Hospitals Insurance Company Review

We've looked at over 1,000 insurance companies rating them on strength, accessibility, and service to find the best ones. Here's what people think about Hospitals Insurance Company.
Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for by authoring consumable, understandable content.


Hospitals Insurance Company (HIC) at a Glance

  • Founded in 1977
  • Offers professional liability insurance for medical workers
  • Coverage only available in New York
  • Rated "A-" (excellent) by AM Best
  • Not rated by the Better Business Bureau

HIC pros: High rating by AM Best. Offers important coverages for medical professionals. 

HIC cons: No rating by the BBB. Coverage only available in New York. No customer feedback available. Not much detail provided about coverage or claims processing. Limited contact options. 

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

What Type of Insurance Does HIC Offer?

Here's an overview of the products offered by Hospitals Insurance Company.

  • Medical professional liability insurance
  • Medical general liability insurance

Your independent insurance agent can help you find more information about the coverages offered by HIC, and help you decide if this insurance company is right for you.

What to Know about Hospitals Insurance Company

Founded in 1977, Hospitals Insurance Company has more than four decades' of experience in the industry. The insurance company is operated by Healthcare Risk Advisors, which is based in New York. HIC, formerly called FOJP, partners with clinicians, hospitals, and other healthcare organizations in the state.

HIC offers professional and general liability insurance for medical professionals in the state. There are 165 employees on their LinkedIn network. The insurance company's mission is to help medical providers reduce their professional liability exposures and improve patient outcomes.

Thanks to its extremely longstanding history, HIC has earned a reputation over time as a reputable and financially sound insurance company. AM Best gives Hospitals Insurance Company an overall “A-” rating, indicating the carrier is an excellent choice.

Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and annual report. 


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What Discounts Does HIC Offer?

HIC does not provide information about their specific discounts. However, an independent insurance agent can help find this information for you. Independent insurance agents work hard to find you the best discounts and other money-saving hacks on your coverage.

HIC Customer Service

Here's an overview of HIC's customer service options and availability.

  • Contact form on website
  • Snail mail contact option
  • No phone contact information provided

To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.

Hospitals Insurance Company FAQ

What is HIC's average claim response time frame?

HIC does not specify a claims response time frame.

What is HIC's customer service availability?

HIC allows customers to contact them via their website's contact form or through snail mail. They do not provide a phone number or other contact methods.

What is HIC's claims process?

HIC provides an online form for policyholders to file claims, but does not specify any more detail about their claims process.

Does HIC create a user-friendly experience for customers?

HIC provides fewer customer service contact options for policyholders and does not offer much detail about their coverage or claims processing. Overall, HIC's user-friendly experience is subpar.

Does HIC have good professional liability insurance?

HIC does not provide much information about their coverage without contacting an agent. 

Is HIC a good insurance company?

HIC has been in business for a few decades now and is highly rated by AM Best. However, the carrier is not rated by the BBB. It's also virtually impossible to find any customer reviews. So, we're hesitant to call HIC a good insurance company at this time.'s Final Review

We award Hospitals Insurance Company a final rating of 1.5 out of 5 stars. The carrier has been in the industry for a few decades now and has a high rating through AM Best. However, it's difficult to find much information about them at all. Also, they're not rated by the BBB.

HIC offers professional liability and general liability coverage for medical professionals in the state of New York. They only allow policyholders to contact them via snail mail or through forms on their website. They also don't provide any information about their coverage without contacting an agent.

Further, it's impossible to find any customer feedback about the carrier. So overall, we're forced to recommend working together with an independent insurance agent to survey all your options for this type of coverage if you're located in New York.

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