LinesProfessional liability, GL, BOP, Cyber, WC
Agent portalYes
Quote APINo
StatesSee appetite
Appetite
| Class | Line | States | Notes |
|---|---|---|---|
| Professional services | Professional liability | Most states | Strong appetite: administrative services, marketing, management consulting, event planners, payroll and tax preparation, photography, printing, staffing and PEO, and translation. Conservative: accountants, property managers, real estate agents and security guards. Out: attorneys, insurance agents, mortgage brokers, title and escrow (Hiscox USA appetite guides, June 2026). |
| Healthcare | Professional liability | Most states | Strong appetite for allied healthcare: acupuncturists, physical, occupational and speech therapists, optometrists, pharmacies, imaging centers, veterinarians and fitness trainers. Conservative: dentists, chiropractors, massage, home healthcare and med spas. Out: physician practices, hospitals, surgery centers and senior living (Hiscox USA appetite guides, June 2026). |
| Contractors | Professional liability | Most states | Architects and engineers guide: strong appetite for general contractors doing construction management, design-build or construction only, and subcontractors in electrical, HVAC, plumbing, painting, flooring, framing and masonry. Roofers and glazing are conservative. Environmental remediation and home inspectors are out (Hiscox USA appetite guides, June 2026). |
| Real estate | Cyber | Most states | Real estate is a strong-appetite class for Hiscox cyber. Real estate developers and mortgage and loan brokers are out of appetite (Hiscox USA appetite guides, June 2026). |
| Retail | Cyber | Most states | Retail trade and pharmacies are conservative-appetite classes for cyber. Personal and household goods repair is strong. Wholesale trade and manufacturing are out of appetite (Hiscox USA appetite guides, June 2026). |
| Hospitality | Cyber | Most states | Hotels, hospitality, restaurants and food services are conservative-appetite classes for cyber. Arts, entertainment and recreation are strong. Gambling is out (Hiscox USA appetite guides, June 2026). |
How to quote Hiscox
→Carrier portal. Quote directly in the Hiscox agent portal.
→Bold Penguin. Agencies short on appointments needing market access.
Getting appointed
Bold Penguin offers a Hiscox market access appointment to agencies domiciled in all 50 states, with quoting activated quickly and bind approval in about 48 hours after Bold Penguin's compliance review (Bold Penguin guide, May 2026). Broker submissions go to HiscoxUSAInbox@hiscox.com.