What Does Workers’ Compensation Insurance from Hiscox Cover?
Hiscox offers workers' compensation insurance through a partner insurer to businesses that also hold a Hiscox general liability policy.
Hiscox Workers Compensation Insurance · Updated
What Is Hiscox’s Role in Workers’ Compensation Insurance?
For workers' compensation, Hiscox Inc. acts as an access point to a partner insurer rather than underwriting the coverage itself, and requires the buyer to also hold a Hiscox general-liability policy before it will provide access to workers' compensation. 1
Company-reported.Company-stated partnership structure; this differs from Hiscox's own-catalogue general liability, professional liability, cyber and BOP products, which are underwritten by its own affiliated insurer.
Who Issues Hiscox Workers’ Compensation Insurance?
Hiscox's workers'-compensation page footer names Hartford Fire Insurance Company, at One Hartford Plaza, Hartford, CT, as the underwriter, with coverage made available through Hiscox Inc. doing business as Hiscox Insurance Agency in California. 1
Company-reported.Company-published footer disclosure; this is a different insurer from the Hiscox Insurance Company Inc. entity that underwrites Hiscox's own-catalogue products.
Who Is Hiscox Workers’ Compensation Insurance For?
Hiscox says workers' compensation access requires the buyer to already hold, or concurrently purchase, a Hiscox general-liability policy, and that the product is not available for all classes of business. 1
Company-reported.Company-stated prerequisite and class limitation; specific excluded classes are not listed on the page.
Coverage Features of Hiscox Workers’ Compensation Insurance
The workers'-compensation page describes the product in general terms as statutory workers' compensation coverage through the Hartford partnership; it does not add Hiscox-specific coverage enhancements beyond what a standard Hartford workers'-compensation policy would include. 1
Company-reported.Company-stated partnership product; specific policy wording and state benefit levels are set by Hartford's issued policy and applicable state law.
Hiscox Workers’ Compensation Insurance Limits and Retentions
The workers'-compensation page does not publish benefit limits, wage-replacement percentages or premium information; statutory benefit levels are generally set by state law rather than by Hiscox or Hartford. 1
Not publicly disclosed.Public product page as previously reviewed.
How Do You Apply for Hiscox Workers’ Compensation Insurance?
Hiscox lists workers' compensation among the products selectable from its small-business quote flow, routing eligible buyers who also carry (or are buying) general liability toward the Hartford-underwritten product. 1,2
Company-reported.Company-described product-selector listing; eligibility and binding conditions require confirmation on the actual application.
Hiscox vs Other Workers’ Compensation Insurance Providers
Other Coverage Lines From Hiscox
Sources for Hiscox Workers’ Compensation Insurance
- Workers Compensation Insurance for Small Businesses. Hiscox; Partnership with The Hartford; general liability required to purchase workers comp; not available for all classes; footer that coverage is made available through Hiscox Inc. d/b/a Hiscox Insurance Agency in CA and underwritten by Hartford Fire Insurance, One Hartford Plaza, Hartford, CT 06155. Accessed 2026-09-16.
- Hiscox Small Business Insurance. Hiscox; Product selector including workers compensation; partnership language for workers' compensation. Accessed 2026-09-16.