Hiscox UK review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Hiscox UK suits small businesses, sole traders and freelancers who want an insurer with a high indemnity limit at a low entry price. It sits first of 11 on indemnity limit and second of 14 on premium from, with business cover priced from £5.20 a month.

Key facts

Best for
Small UK businesses and sole traders wanting solid indemnity limits at a low monthly price.
Provider type
Insurer (Source, checked September 26, 2026)
Cover types
Public-liability, Professional-indemnity, Employers-liability, Cyber (Source, checked September 26, 2026)
Indemnity limit
£10,000,000 (Source, checked September 26, 2026)
Premium from
£5.20 (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Industries
IT, consultancy, trades, retail, freelancers and sole traders (Source, checked September 26, 2026)
Legal entity
Hiscox Underwriting Ltd (Source, checked September 26, 2026)
Headquarters
United Kingdom (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Official website
hiscox.co.uk

Personal insurance

Premium from
£5.20 (Source, checked September 26, 2026)
Insurance types
Home, Renters, Landlord, Auto, Home-emergency (Source, checked September 26, 2026)
Provider type
Insurer (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Cover limit
GBP 100,000 (Source, checked September 26, 2026)
Claims channels
Phone, Online, Post (Source, checked September 26, 2026)
Legal entity
Hiscox Underwriting Ltd (Source, checked September 26, 2026)
Headquarters
United Kingdom (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)

Pros and cons

Pros

  • Indemnity limits of £10,000,000 rank first of 11 brands on our data, well above the site median of €3,486,547.74.
  • Business lines cover public liability, professional indemnity, employers liability and cyber, so several core covers sit with one insurer.
  • Premium from £5.20 sits below the site median of €8.37, and Hiscox UK ranks 2 of 14 on entry price.
  • Monthly payments are available, so the premium can be spread rather than paid as one lump sum.
  • Cover runs from an insurer, Hiscox Underwriting Ltd, rather than through a broker or comparison site, and Hiscox UK ranks 2 of 14 on price.

Cons

  • Support runs on phone and help centre only, so a help centre and phone line are the listed ways to reach the team.
  • Business cover is limited to public liability, professional indemnity and employers liability, with no property business line among the listed lines.
  • The entry premium is a starting figure, and business insurance premium from £5.20 sits under a category spread running to €3,431.08.
  • A Hiscox UK entity is an insurer, so cover sits with a single underwriter rather than a broker such as broker who can place it across the market.
Hiscox UK

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Scored 9.5 / 10 by AssureCue.

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Who it suits

  • IT companies, consultancies and trades that need a high indemnity limit on professional indemnity
  • Freelancers and sole traders buying their first business policy
  • Businesses wanting public liability, employers liability and cyber from one insurer

Who should look elsewhere

  • Buyers who want a broker to shop the whole market for them, such as broker
  • Buyers needing property business cover, which sits outside public liability, professional indemnity and employers liability
  • Personal only shoppers, as the listed cover centres on business lines in public liability, professional indemnity and employers liability

How it compares on our data

Hiscox UK ranks 1 of 11 brands on indemnity limit, with £10,000,000 available on professional indemnity. The site median for that limit is €3,486,547.74, and the top end of the range sits at €11,621,825.79, so Hiscox UK sits at the upper end of the market. On price it ranks 2 of 14 brands, starting at £5.20. That is below the business insurance median of €8.37 and under the €4.06 mark, so a low headline premium and a top indemnity limit come together here. Across the wider comparison, 131 brands sit in this category and 65 of them are licensed, which puts Hiscox UK in a small licensed group rather than a long tail of providers.

Price signals

Business cover starts at £5.20. That figure sits under the public liability median of €8.06 and under the professional indemnity median of €7.17, and it falls in the lower band of the category spread, which runs from €0 to €3,431.08. Monthly payments are available, so the premium can be paid in instalments rather than in one sum. A single starting figure also tells you little about a specific trade, since the category range reaches €319.60 at the top and many insurers sit below the €2.92 mark. The indemnity limit of £10,000,000 is the other side of the price picture, since a larger limit is the usual reason a professional indemnity premium rises.

The company behind it

The underwriter is Hiscox Underwriting Ltd, based in the United Kingdom. Hiscox UK is an insurer rather than a broker or a comparison site, so the contract is with the underwriter and the cover sits with one provider for the term. Support runs on phone and help centre, giving you a phone line and a help centre. Claims can be started through phone, online and post, which adds online and post alongside the phone, so a claim does not depend on calling alone. That mix matters for businesses, because a claim can arrive by post after a letter or an incident report.

How Hiscox UK compares

Where Hiscox UK is available

Available
United Kingdom

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does business insurance cost at Hiscox UK?+

Business cover starts at £5.20 a month with monthly payments available. That entry figure sits below the site median of €8.37 and under the business insurance median of €8.37. Your own price depends on the cover, the limit and the trade.

What is the highest indemnity limit offered?+

Professional indemnity cover reaches £10,000,000. That ranks Hiscox UK 1 of 11 brands on our data, and the site median for the same limit is €3,486,547.74. Higher limits usually cost more, so pair the figure with the premium.

Who underwrites the policy?+

The cover is written by Hiscox Underwriting Ltd, which is based in the United Kingdom. Hiscox UK is an insurer, so your contract is with the underwriter rather than with a broker, and the cover sits with one provider for the term.

How do I make a claim?+

Claims can be started on phone, online and post. That includes a phone line, an online route and post, so a claim can be reported in writing if that suits you better. Support for day to day questions runs on phone and help centre.

Can I pay monthly instead of upfront?+

Monthly payments are available, so the premium can be spread across the year rather than paid in one sum. Most providers in this category also offer monthly payments, so this is a standard feature here rather than a differentiator.

What kinds of businesses does Hiscox UK cover?+

The industries it names span technology, consulting, trade work and retail, and it also writes for self-employed buyers such as freelancers and sole traders. The business lines listed are public liability, professional indemnity and employers liability, so it suits small firms who want those covers together.

Does Hiscox UK sell personal insurance?+

The personal lines listed are home, renters, landlord, auto and home emergency. The focus of the account is business cover, so a personal only shopper may find a general insurer more direct, or a comparison site such as comparison site for a wider view.

Sources

  • hiscox.co.uk/company-and-regulatory-information checked September 26, 2026

    Backs: Headquarters, Legal entity

    “registered office: Hiscox, 22 Bishopsgate, London, EC2N 4BQ”

  • hiscox.co.uk/help-and-support checked September 26, 2026

    Backs: Claims channels

    “If you need to make a complaint, you can contact us in one of the following ways: In writing: Hiscox Customer Relations ... By phone: 0800 116 4627 or 01904 681 198 ... By email”

  • hiscox.co.uk/home-insurance checked September 26, 2026

    Backs: Insurance types

    “Landlords insurance can protect you and your tenants... We also protect you at home, with home insurance that protects your house and its contents”

  • hiscox.co.uk/home-insurance/buildings-insurance checked September 26, 2026

    Backs: Cover limit

    “Legal expenses cover protects you and your family with up to £100,000 to cover the cost of negotiating and pursuing your rights”

  • hiscox.co.uk/about-us checked September 26, 2026

    Backs: Provider type

    “We are a specialist insurer underwriting personal and business risks”

  • hiscox.co.uk/business-insurance/professional-indemnity-in... checked September 26, 2026

    Backs: Indemnity limit, Industries

    “Hiscox offers professional indemnity insurance up to 10 million”

  • hiscox.co.uk/business-insurance/public-liability-insurance checked September 26, 2026

    Backs: Cover types, Monthly payments, Premium from

    “Public liability; Professional indemnity; Employers' liability; Cyber and data”

  • hiscox.co.uk/contact-us checked September 26, 2026

    Backs: Support channels

    “0800 280 0351; Help and support; Make a claim”

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

Hiscox UK

Hiscox UK

Small UK businesses and sole traders wanting solid indemnity limits at a low monthly price.

9.5/10See alternatives

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