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.
Limited machine-readable signal and partial portal coverage — documentation a human can read, but little a machine or agent can consume without scraping.
API Evangelist profiles Hiscox the way a machine reads it — 6 machine-readable artifacts across 4 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Hiscox scores 34.9/100 (thin), with a separate agent-readiness read of 10/100 (human only). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Hiscox
Each block below is one kind of artifact we hold for Hiscox. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 4
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
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 — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Resources
Every other property we hold for Hiscox — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 4
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 1
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 3
Pagination, idempotency, versioning, errors, and events
Build 2
SDKs, sample code, and the tooling you integrate with
Access & Security 3
Authentication, authorization, and security posture
Operate 2
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
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