Hiscox

Hiscox Ltd is a diversified international specialist insurance and reinsurance group with roots in the Lloyd's of London market dating to 1901, domiciled in Bermuda and listed on the London Stock Exchange, operating from 31 offices across 13 countries. Its home market is the United Kingdom, where it underwrites through three segments: Hiscox Retail (small business, professional and specialty personal lines sold direct and through brokers in the UK, Europe and the USA), Hiscox London Market (larger and more complex specialty risks written out of London for a worldwide client base, including marine, energy, aviation, specialty property and casualty, and cyber), and Hiscox Re & ILS (reinsurance and insurance-linked securities). Its API posture is partner-gated rather than public. Hiscox operates a genuine first-party developer portal at developer.hiscox.com serving its US small-business arm, and that portal publicly enumerates three active APIs - Eligibility, Quote v4 and Setup Payment - but every reference document, sandbox credential and OpenAPI/Swagger file sits behind a login that is only issued after a Hiscox Partnership Manager approves a commercial partnership. There is no self-serve signup, no downloadable specification and no public claims or FNOL API. The group does ship APIs outside that portal: Hiscox London Market launched a Cargo API for small cargo and stock throughput risks in June 2025, built in-house and distributed through broker partners as coverholders, but it has no developer portal listing, no documentation and no specification - it is announced through the newsroom and reached through a broker partnership. Authentication is OAuth 2.0 plus a partner-issued API key over TLS 1.2 only, all APIs are REST, and both XML and JSON are supported. Hiscox's most concrete open-standards footprint is ACORD rather than REST: in July 2025 ACORD and Howden announced that ACORD Standards for digital accounting and invoicing went live in the UK retail insurance market with Hiscox as the receiving insurer, responding in real time to Howden's digital invoices through the ACORD Solutions Group ADEPT (ACORD Data Exchange Platform & Translator) receiver portal.

Hiscox publishes 4 APIs on the APIs.io network. Tagged areas include Insurance, United Kingdom, Property and Casualty, Specialty Insurance, and Cyber Insurance.

Hiscox’s developer surface includes documentation, API reference, FAQ, support, signup flow, getting-started guide, engineering blog, and 15 more developer resources.

🌐 Visit website 📡 Source on GitHub

33.0/100 thin ▬ flat Agent 3/100 human only saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessSelf serve

4 APIs

Insurance United Kingdom Property and Casualty Specialty Insurance Cyber Insurance Underwriting Reinsurance Lloyd's of London Small Business Insurance Quotes ACORD Carrier Cargo Marine Payments API Gateway

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 33.0/100 · thin

Contract Quality 0.0 / 21

Developer Ergonomics 10.9 / 17

Access Clarity 7.2 / 17

Operational Transparency 0.3 / 11

Contract Governance 1.9 / 10

Discoverability 5.5 / 9

Regulatory Posture 6.8 / 15

Agent readiness — 3/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/hiscox: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 4

Individual APIs this provider publishes, each with its own machine-readable definition.

Hiscox Eligibility API

Partner-facing eligibility lookup that returns the list of US states and the Hiscox products offered by profession, used to determine whether a risk can be quoted before a quote...

Hiscox Quote API v4

Partner-facing quoting API that returns a competitive general liability, professional liability, business owner's policy (BOP) and/or cyber quote for purchase via partner portal...

Hiscox Setup Payment API

Partner-facing payment API that initiates the Hiscox policy payment process, completing the quote-to-buy flow for partner-distributed small business policies. Listed as Active o...

Hiscox Cargo API

Hiscox London Market API-based solution for underwriting small cargo and stock throughput risks, launched 30 June 2025 and distributed through broker partners acting as coverhol...

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Hiscox Authentication

oauth2/apiKey · 2 schemes

SECURITY

Hiscox Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

SignUp

GettingStarted

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Design & Contract 3

Pagination, idempotency, versioning, errors, and events

Conventions

Conventions

Lifecycle

Lifecycle

Conformance

Conformance

Build 2

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Compliance

Compliance

Authentication

Authentication

Operate 2

Status, limits, changes, and where to get help

FAQ

FAQ

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Source (apis.yml)

aid: hiscox
url: https://raw.githubusercontent.com/api-evangelist/hiscox/refs/heads/main/apis.yml
name: Hiscox
kind: company
description: 'Hiscox Ltd is a diversified international specialist insurance and reinsurance group with roots in the Lloyd''s
  of London market dating to 1901, domiciled in Bermuda and listed on the London Stock Exchange, operating from 31 offices
  across 13 countries. Its home market is the United Kingdom, where it underwrites through three segments: Hiscox Retail (small
  business, professional and specialty personal lines sold direct and through brokers in the UK, Europe and the USA), Hiscox
  London Market (larger and more complex specialty risks written out of London for a worldwide client base, including marine,
  energy, aviation, specialty property and casualty, and cyber), and Hiscox Re & ILS (reinsurance and insurance-linked securities).
  Its API posture is partner-gated rather than public. Hiscox operates a genuine first-party developer portal at developer.hiscox.com
  serving its US small-business arm, and that portal publicly enumerates three active APIs - Eligibility, Quote v4 and Setup
  Payment - but every reference document, sandbox credential and OpenAPI/Swagger file sits behind a login that is only issued
  after a Hiscox Partnership Manager approves a commercial partnership. There is no self-serve signup, no downloadable specification
  and no public claims or FNOL API. The group does ship APIs outside that portal: Hiscox London Market launched a Cargo API
  for small cargo and stock throughput risks in June 2025, built in-house and distributed through broker partners as coverholders,
  but it has no developer portal listing, no documentation and no specification - it is announced through the newsroom and
  reached through a broker partnership. Authentication is OAuth 2.0 plus a partner-issued API key over TLS 1.2 only, all APIs
  are REST, and both XML and JSON are supported. Hiscox''s most concrete open-standards footprint is ACORD rather than REST:
  in July 2025 ACORD and Howden announced that ACORD Standards for digital accounting and invoicing went live in the UK retail
  insurance market with Hiscox as the receiving insurer, responding in real time to Howden''s digital invoices through the
  ACORD Solutions Group ADEPT (ACORD Data Exchange Platform & Translator) receiver portal.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-09-02'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Insurance
- United Kingdom
- Property and Casualty
- Specialty Insurance
- Cyber Insurance
- Underwriting
- Reinsurance
- Lloyd's of London
- Small Business Insurance
- Quotes
- ACORD
- Carrier
- Cargo
- Marine
- Payments
- API Gateway
tags_raw:
- Insurance
- United Kingdom
- Property and Casualty
- Specialty Insurance
- Cyber Insurance
- Underwriting
- Reinsurance
- Lloyd's of London
- Small Business Insurance
- Quote
- ACORD
- Carrier
- Cargo
- Marine
- Payments
- API Gateway
created: '2026-07-25'
modified: '2026-07-25'
specificationVersion: '0.23'
apis:
- aid: hiscox:hiscox-eligibility-api
  name: Hiscox Eligibility API
  description: Partner-facing eligibility lookup that returns the list of US states and the Hiscox products offered by profession,
    used to determine whether a risk can be quoted before a quote is requested. Listed as Active on the public Hiscox Developer
    Portal API catalog; reference documentation and the OpenAPI/Swagger definition are behind the partner login and were not
    retrievable.
  humanURL: https://developer.hiscox.com/apis
  tags:
  - Eligibility
  - Underwriting
  - Insurance
  properties:
  - type: Documentation
    url: https://developer.hiscox.com/apis
  - type: APIReference
    url: https://developer.hiscox.com/documentation
- aid: hiscox:hiscox-quote-api
  name: Hiscox Quote API v4
  description: Partner-facing quoting API that returns a competitive general liability, professional liability, business owner's
    policy (BOP) and/or cyber quote for purchase via partner portals or APIs. Listed as Active on the public Hiscox Developer
    Portal API catalog; access is granted only after approval by a Hiscox Partnership Manager, and the reference documentation
    and OpenAPI/Swagger definition are behind the partner login.
  humanURL: https://developer.hiscox.com/apis
  tags:
  - Quotes
  - Rating
  - Property and Casualty
  - Cyber Insurance
  tags_raw:
  - Quote
  - Rating
  - Property and Casualty
  - Cyber Insurance
  properties:
  - type: Documentation
    url: https://developer.hiscox.com/apis
  - type: APIReference
    url: https://developer.hiscox.com/documentation
- aid: hiscox:hiscox-setup-payment-api
  name: Hiscox Setup Payment API
  description: Partner-facing payment API that initiates the Hiscox policy payment process, completing the quote-to-buy flow
    for partner-distributed small business policies. Listed as Active on the public Hiscox Developer Portal API catalog; reference
    documentation and the OpenAPI/Swagger definition are behind the partner login.
  humanURL: https://developer.hiscox.com/apis
  tags:
  - Payments
  - Bind
  - Billing
  properties:
  - type: Documentation
    url: https://developer.hiscox.com/apis
  - type: APIReference
    url: https://developer.hiscox.com/documentation
- aid: hiscox:hiscox-cargo-api
  name: Hiscox Cargo API
  description: Hiscox London Market API-based solution for underwriting small cargo and stock throughput risks, launched 30
    June 2025 and distributed through broker partners acting as coverholders. Provides near-instant quote and bind for every
    risk within underwriting appetite, offering transit, stock only and stock throughput cover with a US$5 million limit and
    100% Hiscox Syndicate 33 security. Hiscox developed the risk rating models, policy wordings and software coding in-house;
    Price Forbes was the first broker partner and built the front end. There is no developer portal listing, no public documentation
    and no specification for this API - it is announced only through the Hiscox Group newsroom and reached through a broker
    partnership.
  humanURL: https://www.hiscoxgroup.com/news/press-releases/2025/30-06-25
  tags:
  - Cargo
  - Marine
  - Stock Throughput
  - Quotes
  - Bind
  - London Market
  - Lloyd's of London
  tags_raw:
  - Cargo
  - Marine
  - Stock Throughput
  - Quote
  - Bind
  - London Market
  - Lloyd's of London
  properties:
  - type: PressRelease
    url: https://www.hiscoxgroup.com/news/press-releases/2025/30-06-25
common:
- type: DomainSecurity
  url: security/hiscox-domain-security.yml
- type: Website
  url: https://www.hiscoxgroup.com/
- type: DeveloperPortal
  url: https://developer.hiscox.com/
- type: Documentation
  url: https://developer.hiscox.com/
- type: APIReference
  url: https://developer.hiscox.com/apis
- type: FAQ
  url: https://developer.hiscox.com/frequently-asked-questions
- type: Support
  url: https://developer.hiscox.com/support
- type: TermsOfService
  url: https://developer.hiscox.com/terms-use
- type: PrivacyPolicy
  url: https://www.hiscox.com/privacy-policy
- type: SignUp
  url: https://developer.hiscox.com/login
- type: GitHubOrganization
  url: https://github.com/hiscox
- type: LinkedIn
  url: https://www.linkedin.com/company/hiscox
- type: GettingStarted
  name: Partner With Us - request access to the Quote and Buy APIs
  url: https://developer.hiscox.com/support
- type: Blog
  url: https://www.hiscoxgroup.com/news/blog
- type: Compliance
  name: Cyber Essentials Plus accreditation (UK Government backed scheme, annually retested)
  url: https://www.hiscoxgroup.com/news/blog/hiscox-gains-cyber-essentials-plus-accreditation
- type: Authentication
  url: authentication/hiscox-authentication.yml
- type: Conventions
  url: conventions/hiscox-conventions.yml
- type: Sandbox
  name: SDBX - production-like sandbox, free to approved partners
  url: sandbox/hiscox-sandbox.yml
- type: Lifecycle
  url: lifecycle/hiscox-lifecycle.yml
- type: Conformance
  url: conformance/hiscox-conformance.yml
- type: Packages
  url: packages/hiscox-packages.yml
- type: LLMsTxt
  url: llms/hiscox-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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