Hiscox Insurance for Small Businesses is a joke! We have a small Janitorial Business. We started a policy with Hiscox after being recommended to them by Farmers Insurance. A small school we clean allowed us to use their golf cart to move between buildings during cleaning. A crew member accidentally hit a closed gate after dark and damaged the cart. It was estimated by a cart repair company at $800. We immediately paid the repair and filed a claim with Hiscox at the same time. The first claims agent we spoke with said "it's a liability claim and we do not cover that because you do not have protection for your equipment. I replied it was not our cart but it was the schools cart they let us use. He said doesn't matter, any equipment they let you use is considered to be your equipment even though they own it. I disagreed and asked for a second opinion. 5 weeks later they finally called me back. A different agent said the claim was not handled properly so it was sent to her. I again explained what happened and she said yes, now I see why they sent it to me. The claim is a Property Damage Claim, not a Liability Claim. I will email you back with a decision. Lol... 5 mins later an email was sent with the claim denied. No reason was given. What a joke... no coverage for Liability and no coverage for Property Damage! Why in the world do I even need the Policy.... just one reason I guess... to make monthly payments to them to increase their Net!! Yes... we will be cancelling. DO NOT TRUST HISCOX
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