Hiscox is a specialist insurer whose US operations focus on small business and professional coverage, sold largely direct to customers online. Founded in 1901 and part of the Bermuda-based Hiscox Group, its American arm is headquartered in Atlanta, Georgia. It concentrates on liability-oriented products for small firms, freelancers, and professionals across a range of industries.
Founded
1901
Headquarters
Atlanta, GA
AM Best (financial strength)
A
Hiscox carries an A.M. Best financial-strength rating of A. A.M. Best ratings measure an insurer's ability to meet its ongoing policyholder obligations; ratings of A- and above are considered "excellent" or "superior." This reflects claims-paying ability, not price or customer service.
The NAIC Complaint Index is published primarily for property-and-casualty lines; for Hiscox, check the NAIC Consumer Insurance Search and your state department of insurance for complaint data specific to the product and state you're considering.
You can request a quote or reach Hiscox at hiscox.com or by phone at 1-866-283-7545. Rates depend heavily on your individual profile (location, age, history, coverage), so compare at least three quotes before deciding.
Michael Torres
Editorial Lead, Catastrophe & Commercial Property
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed 2026-06-14
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