Hiscox Business Insurance, Los Angeles

"I do not recommend Hiscox to any contractor. I have Hiscox and every time my policy renews or there is a change they are required to report to the CSLB and the never do. I call and they claim they have no idea what I am talking about every year. They say that this is not true when I am holding the paper from CSLB in my hand stating otherwise. They claim to work with thousands of contractors and have never had to do this which is a lie. Or well maybe not since there are probably tens of thousands of unlicensed but insured contractors in California. HISCOX IS REQUIRED BY LAW TO REPORT THE POLICY TO THE CSLB!!!!!!!"

"Horrible company!! They take your money. But the customer service is nonexistent!! I was with them for 5 years and voluntarily cancelled today because they can’t get their record’s straight.. luckily I never put in a claim after all the money I paid them as it would probably be a huge hassle!! Don’t trust them!!!"

"After being covered for a year; I called Hiscox to discuss renewal and straight away was told their "Architect's, Engineers and Drafting Services" coverage doesn't cover what I do, which is designing fire suppression systems. The closest engineering field is fire protection engineering. They exclude coverage for mechanical engineering and apparently that is supposed to include fire suppression, even though they have zero documents broadening "mechanical engineering". They said if it has to do with construction design, they don't cover it, which is ridiculous because architects are designing buildings to have them constructed, like I'm designing the fire suppression to have someone else construct it. Treat this company like a home warranty; a false sense of security with purposely vague exclusions meant to keep them from paying out, in the unlikely event you even need to activate it."

"Absolutely the worst experience! Avoid Hiscox they will never pay on a claim! What is the point of insurance if you file a claim and they offer nothing but more stress to an already stressful time. My salon was closed for construction on the building and in my salon. (Not by my choice) The constactors made a disaster of my business. From the clean up and the time closed I figured at least my insurance provided reimbursement. Yeah right!!?? Hiscox has put us off to a outside company, that doesn't return calls or emails. They tried to offer 14$ per day! What!! I now have get a lawyer!! Anyone who has written a positive review on here has not filed a claim. Hiscox is not worth you time. Avoid!!!!!"

"Hiscox had been providing liability coverage for my coffee shop. I contacted them to get a quote for liquor liability and was told that they do not provide such coverage. The next day I received an email stating that they had canceled my insurance policy. I called them immediately and explained that I was only gathering information, that I had not started serving alcohol, nor was I certain that I ever would. I was informed that just the inquiry was enough to cancel my policy. This is madness. I would avoid doing business with Hiscox."