Hiscox FR review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Hiscox FR sells business cover directly to freelancers, independents and small firms, with professional indemnity, cyber and property among professional indemnity, cyber and property. It suits people who want the policy to come from the insurer itself rather than a broker or a comparison site, and it sits in France.
Key facts
- Best for
- Freelancers and small firms wanting professional indemnity, cyber or property cover from the insurer itself
- Provider type
- Insurer (Source, checked September 26, 2026)
- Cover types
- Professional-indemnity, Cyber, Property (Source, checked September 26, 2026)
- Industries
- freelancers, independents and SMEs (Source, checked September 26, 2026)
- Headquarters
- France (Source, checked September 26, 2026)
- Support channels
- Phone (Source, checked September 26, 2026)
- Official website
- hiscox.fr
Pros and cons
Pros
- An insurer writing the policy, so the quote, the wording and the claim stay with one company
- Cover runs across professional indemnity, cyber and property in one place rather than one cover per product
- Aimed squarely at freelancers, independents and SMEs, so policies are pitched at operators without a large risk team
Cons
- Support runs on phone only, so there is no listed email or chat route for written replies
- Cover runs to professional indemnity, cyber and property only, a narrower set than Hiscox UK's public liability, professional indemnity and employers liability
- Policies are written for businesses in France, so a UK operation needs the UK entity instead
Who it suits
- Freelancers and independents who need professional indemnity without going through a broker
- Small businesses that want cyber or property cover from the same company
- Buyers who would rather deal with the insurer than a comparison site
Who should look elsewhere
- UK businesses needing public liability or employers liability, where Hiscox UK lists public liability, professional indemnity and employers liability
- People who want a broker to place the cover for them, the model WeddingPlan Insurance works to as a broker
- Shoppers who want to pull quotes from several providers in one pass, the way EverQuote works as a comparison site
Who runs it
Hiscox FR is based in France, and the arrangement runs through the company itself rather than a separate intermediary. Its listed contact route is phone, so a claim, a renewal or a change of details all come through that one channel. That single route is worth checking against the hours you need before you take out a policy.
How Hiscox FR compares
9.2 vs 8.6
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 8.8
9.2 vs 8.7
9.2 vs 9.0
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 9.3- 9.2 vs 9.3
9.2 vs 9.3Max Life Insurance
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2- 9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 8.8
9.2 vs 8.6
9.2 vs 8.6- 9.2 vs 8.4
- 9.2 vs 8.2
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Where Hiscox FR is available
- Available
- France
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What kind of business is Hiscox FR aimed at?+
The stated audience is freelancers, independents and SMEs. That points at small operators rather than large companies with a formal risk team, and it is the reason one arrangement can hold professional indemnity, cyber and property together. Larger employers would be looking for employers liability, which sits outside this set of lines.
Is Hiscox FR an insurer or a broker?+
It is an insurer, so the quote, the wording and the claim all sit with the same company. There is no intermediary to choose, which can shorten the chain when something needs settling. A broker like WeddingPlan Insurance works the other way round, placing cover on the market for you.
What lines of business does Hiscox FR write?+
The list is professional indemnity, cyber and property. Professional indemnity, cyber and property cover the three risks a small firm is most likely to meet, and the wording of each policy decides how far the cover reaches. Employers liability and public liability sit outside this list.
What might a policy from Hiscox FR cost?+
Each quote is set against the trade, the cover and the limit you ask for, so the price arrives as a quote rather than a published rate. As a benchmark, business insurance listings on this site start at a median of €8.37, and professional indemnity listings at €7.17.
How do I get help with a claim or a renewal?+
The listed support channel is phone. That is the route for a claim, a renewal or a change of details, and it is worth checking the opening hours against when your business actually needs help. If you need written replies, ask for them when you call.
Which country is Hiscox FR based in?+
Hiscox FR is based in France, and the policies are written for businesses operating there. If you are insuring a business in the UK instead, Hiscox UK lists public liability, professional indemnity and employers liability under a separate set of policies, so check which market your business sits in before you apply.
What indemnity limits do these listings usually carry?+
Among business insurance listings here the median indemnity limit is €3,486,547.74, and among professional indemnity listings it is €5,810,912.89. Pick a limit that matches what a client could realistically claim against you for, rather than the biggest figure on offer.
How does Hiscox FR compare with the other options here?+
WeddingPlan Insurance is a broker and EverQuote is a comparison site, so both sit between you and the underwriter. Hiscox FR writes and issues the policy itself. Take the insurer route if you want one company responsible throughout, or the other route if you would rather see several quotes side by side.
Sources
- hiscox.fr checked September 26, 2026
Backs: Cover types, Provider type, Industries
“Responsabilite Civile Professionnelle, Multirisque Professionnelle, CyberClear”
- hiscox.fr/aide/contact checked September 26, 2026
Backs: Headquarters, Support channels
“01 89 71 18 10”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Indemnity limit, Premium from.
Related by the facts
Hiscox FR
Freelancers and small firms wanting professional indemnity, cyber or property cover from the insurer itself