--- title: "Beazley vs Hiscox" description: "Hiscox sells general liability, E&O, cyber and BOP policies online to small businesses in 49 states, while Beazley packages tech E&O, media and cyber into one MediaTech policy placed through brokers." canonical: "https://thegeneralaverage.com/compare/beazley-vs-hiscox" page-type: "provider-comparison" updated-at: "2026-09-30" comparison-pair: "beazley-vs-hiscox" provider-a: "beazley" provider-b: "hiscox" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://thegeneralaverage.com/compare/beazley-vs-hiscox) ## Agent Guide **What this page is:** Side-by-side comparison of Beazley and Hiscox as commercial insurance providers, covering the coverage lines each lists, the services and claims documentation each publishes, and current Reliability Scores. **Use this page when:** Cite or fetch this when someone asks how Beazley and Hiscox differ overall. For a single coverage line (cyber, D&O, GL…) use each provider's offering page linked below; for one provider alone use its profile. **Questions this page answers:** - How do Beazley and Hiscox compare? - Which is better for business insurance, Beazley or Hiscox? - Does Beazley or Hiscox offer the coverage lines I need? - What service and claims differences are documented between Beazley and Hiscox? **Key facts:** - Providers compared: Beazley and Hiscox. - Coverage lines are shown per provider; "Not listed" means no separate offering is recorded in the reviewed catalogue, not that the provider cannot arrange it. - 6 offering pages cover the coverage lines both providers document. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It does not name a winner: the right choice depends on the business, state, limits and the insurer actually issuing the policy. - It describes what each provider publishes and what Spot's sources show; it is not a quote, a binder or a coverage recommendation. - Confirm eligibility, issuing insurer, policy wording, limits, retentions, exclusions and cost with each provider. **Provenance:** Cited claims link to numbered sources listed on the page; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [All provider comparisons](https://thegeneralaverage.com/compare/all) — parent hub - [Beazley profile](https://thegeneralaverage.com/insurance-providers/beazley) — provider profile (evidence for this comparison) - [Hiscox profile](https://thegeneralaverage.com/insurance-providers/hiscox) — provider profile (evidence for this comparison) - [Beazley Cyber Insurance](https://thegeneralaverage.com/insurance-providers/beazley/cyber) — one provider's documented offering for a shared coverage line - [Hiscox Cyber Insurance](https://thegeneralaverage.com/insurance-providers/hiscox/cyber) — one provider's documented offering for a shared coverage line - [Beazley General Liability Insurance](https://thegeneralaverage.com/insurance-providers/beazley/general-liability) — one provider's documented offering for a shared coverage line - [Hiscox General Liability Insurance](https://thegeneralaverage.com/insurance-providers/hiscox/general-liability) — one provider's documented offering for a shared coverage line - [Beazley Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/beazley/professional-errors-omissions) — one provider's documented offering for a shared coverage line - [Hiscox Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/hiscox/professional-errors-omissions) — one provider's documented offering for a shared coverage line - [AIG vs Beazley](https://thegeneralaverage.com/compare/aig-vs-beazley) — sibling comparison - [AIG vs Hiscox](https://thegeneralaverage.com/compare/aig-vs-hiscox) — sibling comparison - [Alliance Risk vs Beazley](https://thegeneralaverage.com/compare/alliance-risk-vs-beazley) — sibling comparison - [Alliance Risk vs Hiscox](https://thegeneralaverage.com/compare/alliance-risk-vs-hiscox) — sibling comparison - [Amelia Risk vs Beazley](https://thegeneralaverage.com/compare/amelia-risk-vs-beazley) — sibling comparison - [Amelia Risk vs Hiscox](https://thegeneralaverage.com/compare/amelia-risk-vs-hiscox) — sibling comparison - [Aon vs Beazley](https://thegeneralaverage.com/compare/aon-vs-beazley) — sibling comparison - [Aon vs Hiscox](https://thegeneralaverage.com/compare/aon-vs-hiscox) — sibling comparison - [Armilla vs Beazley](https://thegeneralaverage.com/compare/armilla-vs-beazley) — sibling comparison - [Armilla vs Hiscox](https://thegeneralaverage.com/compare/armilla-vs-hiscox) — sibling comparison - [At-Bay vs Beazley](https://thegeneralaverage.com/compare/at-bay-vs-beazley) — sibling comparison - [At-Bay vs Hiscox](https://thegeneralaverage.com/compare/at-bay-vs-hiscox) — sibling comparison - [The Baldwin Group vs Beazley](https://thegeneralaverage.com/compare/baldwin-vs-beazley) — sibling comparison - [The Baldwin Group vs Hiscox](https://thegeneralaverage.com/compare/baldwin-vs-hiscox) — sibling comparison - [Beazley vs Berkshire Hathaway Specialty Insurance](https://thegeneralaverage.com/compare/beazley-vs-berkshire-hathaway-specialty-insurance) — sibling comparison - [Beazley vs biBerk](https://thegeneralaverage.com/compare/beazley-vs-biberk) — sibling comparison - [Beazley vs CFC](https://thegeneralaverage.com/compare/beazley-vs-cfc) — sibling comparison - [Beazley vs Chubb](https://thegeneralaverage.com/compare/beazley-vs-chubb) — sibling comparison - [Beazley vs CNA](https://thegeneralaverage.com/compare/beazley-vs-cna) — sibling comparison - [Beazley vs Coalition](https://thegeneralaverage.com/compare/beazley-vs-coalition) — sibling comparison - [Beazley vs Corgi](https://thegeneralaverage.com/compare/beazley-vs-corgi) — sibling comparison - [Beazley vs Coterie Insurance](https://thegeneralaverage.com/compare/beazley-vs-coterie) — sibling comparison - [Beazley vs Counterpart](https://thegeneralaverage.com/compare/beazley-vs-counterpart) — sibling comparison - [Beazley vs Coverdash](https://thegeneralaverage.com/compare/beazley-vs-coverdash) — sibling comparison - [Beazley vs Cowbell](https://thegeneralaverage.com/compare/beazley-vs-cowbell) — sibling comparison - [Beazley vs Embroker](https://thegeneralaverage.com/compare/beazley-vs-embroker) — sibling comparison - [Beazley vs Founder Shield](https://thegeneralaverage.com/compare/beazley-vs-foundershield) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs Hiscox](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-hiscox) — sibling comparison - [biBerk vs Hiscox](https://thegeneralaverage.com/compare/biberk-vs-hiscox) — sibling comparison - [CFC vs Hiscox](https://thegeneralaverage.com/compare/cfc-vs-hiscox) — sibling comparison - [Chubb vs Hiscox](https://thegeneralaverage.com/compare/chubb-vs-hiscox) — sibling comparison - [CNA vs Hiscox](https://thegeneralaverage.com/compare/cna-vs-hiscox) — sibling comparison - [Coalition vs Hiscox](https://thegeneralaverage.com/compare/coalition-vs-hiscox) — sibling comparison - [Corgi vs Hiscox](https://thegeneralaverage.com/compare/corgi-vs-hiscox) — sibling comparison - [Coterie Insurance vs Hiscox](https://thegeneralaverage.com/compare/coterie-vs-hiscox) — sibling comparison - [Counterpart vs Hiscox](https://thegeneralaverage.com/compare/counterpart-vs-hiscox) — sibling comparison - [Coverdash vs Hiscox](https://thegeneralaverage.com/compare/coverdash-vs-hiscox) — sibling comparison - [Cowbell vs Hiscox](https://thegeneralaverage.com/compare/cowbell-vs-hiscox) — sibling comparison - [Embroker vs Hiscox](https://thegeneralaverage.com/compare/embroker-vs-hiscox) — sibling comparison # Beazley vs Hiscox: How Do They Compare for Business Insurance? Hiscox sells general liability, E&O, cyber and BOP policies online to small businesses in 49 states, while Beazley packages tech E&O, media and cyber into one MediaTech policy placed through brokers. ## Before You Quote Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business. ## Beazley vs Hiscox in Brief Hiscox lets a small IT or consulting firm quote general liability, E&O, cyber and a BOP online and pay monthly with no added fees. Beazley's MediaTech combines tech E&O, media liability and cyber in one policy with limits up to $5 million, placed through brokers and trading platforms. [36](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [27](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [22](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") ## Beazley and Hiscox Reliability Scores These sourced assessments are shown for context; this comparison does not select a winner. ### Beazley Reliability Scores Role: Hybrid role. Broker Reliability Score: **6.9/10** (partial score; 30% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.); Disclosure Clarity (The available disclosures do not sufficiently establish the relevant entity, product and responsibility boundaries.). Carrier & MGA Reliability Score: **5.5/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Financial Resilience (AM Best shows all three US insurers at A u (Excellent), Under Review — Positive implications, but no US statutory capital or surplus is available for any of them, and the capital figures held are Beazley plc group measures. The issuing entity’s own resources are not established.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.). Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/beazley/reliability). ### Hiscox Reliability Scores Role: Hybrid role. Broker Reliability Score: **5.4/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.). Carrier & MGA Reliability Score: **6.7/10** (partial score; 65% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.). Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/hiscox/reliability). ## Beazley Review Scores for 2026 Review Score: 5.6 / 10 from 1 rated source, equally weighted. Beazley’s available customer feedback is mixed, with a 2.8/5 WalletHub rating from 15 reviews. That small, mixed-product sample gives business buyers limited guidance. - WalletHub: WalletHub aggregate rating 2.8 (5 stars); 15 reviews. WalletHub profile for Beazley Insurance Company; mixed business, professional-liability and health-insurance product labels and user/cross-site reviews. Product issuer/entity relationship is not resolved for every review. Period: page updated 2026-01-08. Checked 2026-09-25. [Beazley Insurance Company Reviews: 15 User Ratings](https://wallethub.com/profile/bi/beazley-insurance-company-13013121i) Reviewed 2026-09-25. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/beazley/reviews). ## Hiscox Review Scores for 2026 Review Score: 6.3 / 10 from 4 rated sources, equally weighted. Hiscox’s review results are sharply divided: low Trustpilot and ConsumerAffairs scores contrast with strong Feefo feedback. Service quality deserves closer scrutiny before purchase. - Trustpilot: TrustScore 1.4 (5 stars); 958 reviews. Global Hiscox brand profile, varied geography and products; not limited to US commercial policies. Period: 21 in prior 12 months as displayed. Checked 2026-09-25. [Hiscox Reviews | Trustpilot](https://www.trustpilot.com/review/www.hiscox.com) - ConsumerAffairs: Consumer rating 1.5 (5 stars); 20 reviews. ConsumerAffairs page specific to Hiscox small-business insurance; updated 2026-08-14. Period: Updated 2026-08-14. Checked 2026-09-25. [Hiscox Small Business Insurance Reviews & Complaints](https://www.consumeraffairs.com/insurance/hiscox-small-business-insurance.html) - BBB: BBB grade A+ (BBB letter grade). BBB profile for Hiscox Insurance Company, Inc. in Chicago; this legal insurer is in the canonical Hiscox provider record. Checked 2026-09-25. [Hiscox Insurance Company, Inc | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-companies/hiscox-insurance-company-inc-0654-88714362) - Feefo (linked from Hiscox small-business site): Service score 4.7 (5 stars); 1563 reviews. Feefo service-feedback page identified for Hiscox US small-business insurance; past-year filter. Period: Past year as displayed. Checked 2026-09-25. [Hiscox Reviews | Feefo](https://www.feefo.com/en-US/reviews/hiscox?displayFeedbackType=BOTH&page=1&timeFrame=YEAR) Reviewed 2026-09-25. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/hiscox/reviews). ## An Overview of Beazley and Hiscox Picture a five-person IT consultancy that needs a certificate of insurance before a client will sign. Hiscox lets you get a quote online by entering a zip code and answering questions, then download certificates from your online account; it sells in 49 states and D.C., not Alaska. [36](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [21](https://www.hiscox.com/small-business-insurance "Hiscox Small Business Insurance") [39](https://www.hiscox.com/manage-your-policy/get-certificate-of-insurance "Get a Certificate of Insurance (COI)") Beazley doesn't sell MediaTech direct: it is placed through third-party platforms or by email, and bundles tech E&O, media and cyber in one form. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") Choose Hiscox if you are a small IT or consulting firm that wants separate GL, E&O and cyber policies bought online; choose Beazley if you are a software or media business that wants one combined tech E&O, media and cyber policy with limits up to $5 million through a broker. ## What Stands Out About Beazley and Hiscox? ### Beazley at a Glance - MediaTech combines technology E&O, media liability and cyber coverage. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") (Evidence: Company-reported; scope: US small-business MediaTech marketing; maximum is advertised capacity, not a guaranteed quote.; verified: 2026-09-16.) - Execuguard lets eligible buyers choose separate or shared limits for executive risks. [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: US Execuguard; no assertion every coverage is included in every quote.; verified: 2026-09-16.) ### Hiscox at a Glance - You can buy Hiscox’s core small-business policies online, and they’re usually issued by its own insurer rather than a partner. Hiscox Inc. is the producer; Hiscox Insurance Company Inc. is the affiliated insurer named for Hiscox NOW products. [25](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") [24](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") (Evidence: Company-reported; scope: Legal roles stated in current terms (last modified May 28, 2024) and the About Hiscox US page. Exact contracting entity still depends on product, channel and policy.; verified: 2026-09-16.) - Eligible buyers can quote Hiscox general liability, professional liability/E&O, cyber and a business owner’s policy online. [36](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [27](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [28](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [29](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [30](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [22](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") (Evidence: Company-reported; scope: Current Hiscox small-business product and quote pages. Names establish marketed Hiscox NOW-style products, not limits, retroactive dates, exclusions or class eligibility.; verified: 2026-09-16.) ## Beazley vs Hiscox Coverage Lines Compared | Coverage Type | Beazley | Hiscox | | --- | --- | --- | | [Business owner’s policy](https://thegeneralaverage.com/coverage/business-owners-policy) | Not listed | Listed: Hiscox offers business owner’s policies for small businesses. [30](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") | | [Commercial property](https://thegeneralaverage.com/coverage/commercial-property) | Listed: Beazley offers commercial property insurance for mid-sized and large US and Canadian accounts on an excess-and-surplus-lines basis. [15](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property "North American Commercial Property") | Not listed | | [Crime](https://thegeneralaverage.com/coverage/crime) | Listed: Beazley offers commercial crime insurance. [11](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") | Not listed | | [Cyber liability](https://thegeneralaverage.com/coverage/cyber) | Listed: Beazley offers cyber insurance for small and midsized businesses. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [9](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") | Listed: Hiscox offers cyber insurance for small businesses. [29](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [22](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") | | [Directors and officers](https://thegeneralaverage.com/coverage/directors-officers) | Listed: Beazley offers directors and officers liability insurance for private organizations through ExecuGuard. [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") | Not listed | | [Employment practices liability](https://thegeneralaverage.com/coverage/employment-practices) | Listed: Beazley offers employment practices liability insurance for private organizations through ExecuGuard. [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") | Not listed | | [Fidelity bonds](https://thegeneralaverage.com/coverage/fidelity-bonds) | Listed: Beazley offers fidelity bonds for financial institutions. [11](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") | Not listed | | [Fiduciary liability](https://thegeneralaverage.com/coverage/fiduciary) | Listed: Beazley offers fiduciary liability insurance for private organizations through ExecuGuard. [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") | Not listed | | [General liability](https://thegeneralaverage.com/coverage/general-liability) | Listed: Beazley offers general liability insurance in packages such as its environmental-services policy. [17](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [13](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") | Listed: Hiscox offers general liability insurance for small businesses. [27](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") | | [Hired and non-owned auto](https://thegeneralaverage.com/coverage/hired-non-owned-auto) | Listed: Beazley offers hired and non-owned auto coverage within its environmental-services package. [17](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") | Not listed | | [Management liability](https://thegeneralaverage.com/coverage/management-liability) | Listed: Beazley offers management liability insurance for private organizations through ExecuGuard. [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") | Not listed | | [Media liability](https://thegeneralaverage.com/coverage/media) | Listed: Beazley offers media liability insurance through MediaTech for small technology and business-services companies. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") | Not listed | | [Medical malpractice](https://thegeneralaverage.com/coverage/medical-malpractice) | Listed: Beazley offers medical professional liability insurance for digital-health businesses and middle-to-large life-sciences organizations. [13](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [14](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") | Not listed | | [Product liability](https://thegeneralaverage.com/coverage/product-liability) | Listed: Beazley offers product liability insurance for middle-to-large life-sciences organizations. [14](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") | Not listed | | [Product recall](https://thegeneralaverage.com/coverage/product-recall) | Listed: Beazley offers product recall insurance through its manufacturing risk product. [16](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") | Not listed | | [Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions) | Listed: Beazley offers professional errors and omissions insurance through MediaTech for small technology and business-services companies. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [17](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") | Listed: Hiscox offers professional errors and omissions insurance for small businesses. [28](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [22](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") | | [Representations and warranties](https://thegeneralaverage.com/coverage/representations-warranties) | Listed: Beazley offers representations and warranties insurance. [12](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") | Not listed | | [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) | Listed: Beazley offers technology errors and omissions insurance through MediaTech for small technology and business-services companies. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") | Not listed | | [Virtual care and telehealth](https://thegeneralaverage.com/coverage/virtual-care-telehealth) | Listed: Beazley offers virtual care insurance for digital-health businesses. [13](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") | Not listed | | [Workers’ compensation](https://thegeneralaverage.com/coverage/workers-compensation) | Not listed | Listed: Hiscox provides access to workers’ compensation underwritten by Hartford Fire Insurance Company and requires a general liability policy. [31](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") | A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms. ## Beazley and Hiscox Coverage, Line by Line - [Beazley Cyber Insurance](https://thegeneralaverage.com/insurance-providers/beazley/cyber) - [Hiscox Cyber Insurance](https://thegeneralaverage.com/insurance-providers/hiscox/cyber) - [Beazley General Liability Insurance](https://thegeneralaverage.com/insurance-providers/beazley/general-liability) - [Hiscox General Liability Insurance](https://thegeneralaverage.com/insurance-providers/hiscox/general-liability) - [Beazley Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/beazley/professional-errors-omissions) - [Hiscox Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/hiscox/professional-errors-omissions) ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage. ## Key Differences Between Beazley and Hiscox ### Buy Online Yourself vs Go Through a Broker Eligible small businesses can quote general liability, professional liability, cyber and BOP online by entering a ZIP code and answering questions; Hiscox says policy documents and certificates follow issuance by email. Confirm eligibility and effective date before relying on coverage. [36](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [27](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [21](https://www.hiscox.com/small-business-insurance "Hiscox Small Business Insurance") (Evidence: Company-reported; scope: Public quote-page and product-FAQ statements accessed 16 September 2026. Instant-coverage marketing is not a tested bind. Partner products use separate quote sites.; verified: 2026-09-16.) Prepare company services, products, employee count, US and foreign revenue, financial statements and expected changes for a MediaTech application; Beazley accepts placement through third-party platforms or email, but submission is not acceptance or binding. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Company-reported; scope: Published small-business placement description and F00859 042022; no application submitted or binding time tested.; verified: 2026-09-16.) The practical consequence: with Hiscox you can have a quote and pay monthly with no extra fees without talking to anyone, while Beazley's price and terms arrive through your broker. [27](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") ### Separate Policies vs One Tech Package Hiscox sells general liability, professional liability (E&O) and cyber as separate products, plus a BOP that combines general liability and property with optional upgrades. Its IT consultant page calls its E&O "technology professional liability," so it is built for technology work. [30](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [22](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") [23](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance/it-consultant-insurance "Insurance for IT Consultants") MediaTech puts technology and professional E&O, media liability and cyber in one package; Beazley lists breach response, business interruption, dependent interruption, extortion, data recovery and eCrime up to $5 million, but the issued policy sets actual coverage. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") (Evidence: Company-reported; scope: US small-business MediaTech marketing; maximum is advertised capacity, not a guaranteed quote.; verified: 2026-09-16.) Beazley's linked MediaTech sample form dates from 2019 and excludes patent and trade-secret claims tied to your products, with contractual-liability limits. Ask for current wording and check it against your client contracts. Hiscox's marketing pages don't show a full form either, so request it before binding. [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") [28](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") ### Board and Employment Coverage Beazley sells D&O, employment practices and fiduciary liability for private companies in one ExecuGuard policy, with shared or separate limits. [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") Hiscox’s retained other-insurance source documents a current Tivly route for employment practices liability, while the current D&O route is not established; and its broker-facing C-Suite page says it is no longer taking management-liability risks in California metro areas. If you need D&O in a California metro area, Hiscox itself won't write it; ask Beazley's broker whether ExecuGuard is available for your state. [49](https://www.hiscox.com/small-business-insurance/other-insurance "Specific Business Insurance Coverages") [46](https://www.hiscox.com/brokers/management-liability "Management Liability Insurance Executive Risks") ## What Should You Confirm in Beazley and Hiscox Quotes? - Ask Beazley's broker which Beazley insurance company issues MediaTech and whether it is available in your state; Beazley's public materials don't confirm California eligibility. [5](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") - Compare how each policy handles a data incident caused by a failed client implementation, and whether defense costs reduce the limit. [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") [29](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") - Check which Hiscox products come from partner insurers, such as workers' compensation from Hartford Fire, and who services them. [31](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") [24](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") ## Beazley vs Hiscox Services Compared What each provider documents about the services you may need. | Criteria | Beazley | Hiscox | | --- | --- | --- | | Business role | Your policy comes from a Beazley underwriting company, not the service entity: Beazley is a specialty insurance group, while Beazley USA Services, Inc. reports doing business in California as Beazley Insurance Services under company-disclosed license 0G55497. The license was not independently verified. [5](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [6](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/ "US Web Services Terms of Use") [7](https://www.beazley.com/globalassets/product-documents/beazley-us-contingency-toolkit.pdf "US Contingency Toolkit") (Evidence: Company-reported; scope: US group and disclosed insurance-services entity; no regulator verification or product-specific producer appointment established.; verified: 2026-09-16.) | You can buy Hiscox’s core small-business policies online, and Hiscox’s own insurance company usually issues them rather than a partner. Hiscox Inc. is the producer; Hiscox Insurance Company Inc. is the affiliated insurer named for Hiscox NOW products. [25](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") [24](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") (Evidence: Company-reported; scope: Legal roles stated in current terms (last modified May 28, 2024) and the About Hiscox US page. Exact contracting entity still depends on product, channel and policy.; verified: 2026-09-16.)

California buyers should verify current producer authority: Hiscox Inc. says it does business as Hiscox Insurance Agency and lists license 0F09668, a company disclosure not independently checked. [26](https://www.hiscox.com/small-business-insurance/california-business-insurance "California Business Insurance") [43](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [31](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") [25](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") (Evidence: Company-reported; scope: California producer identity as published on Hiscox pages accessed 16 September 2026. Not a substitute for a live CDI Check a License search at purchase.; verified: 2026-09-16.) | | Coverage lines | MediaTech puts technology and professional E&O, media liability and cyber in one package; Beazley lists breach response, business interruption, dependent interruption, extortion, data recovery and eCrime up to $5 million, but the issued policy sets actual coverage. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") (Evidence: Company-reported; scope: US small-business MediaTech marketing; maximum is advertised capacity, not a guaranteed quote.; verified: 2026-09-16.)

Review exclusions before relying on MediaTech for IP disputes: the linked February 2019 sample excludes patent infringement and trade-secret misappropriation tied to technology or other products and restricts contractual liability and retroactive dates. It is not current quote wording. [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") [5](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") (Evidence: Company-reported; scope: F00731 022019; exclusions on printed pages 16–18; qualified reviewer must interpret a current quote form.; verified: 2026-09-16.)

Private companies can choose separate or shared limits across D&O, employment practices and fiduciary liability under Execuguard; admitted or non-admitted options still depend on state and account eligibility. [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: US Execuguard; no assertion every coverage is included in every quote.; verified: 2026-09-16.)

Businesses concerned about fraudulent instructions can ask Beazley about its Commercial Crime or Financial Fidelity Bond products; the described protection may require out-of-band authentication or added premium for documented controls. [11](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: US crime and fidelity offering; financial-institution bonds are distinct from fiduciary liability.; verified: 2026-09-16.)

Digital-health buyers can compare Virtual Care’s healthcare, technology, cyber, media, general and product liability; life-sciences businesses can consider BioSecure, NutraGuard or WellTech for product, professional and general liability. [13](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [14](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") (Evidence: Company-reported; scope: Specialty healthcare packages, not universal MediaTech benefits.; verified: 2026-09-16.)

Mid-sized and large property owners can ask about North American Commercial Property on an excess-and-surplus basis; manufacturers can separately consider Product Recall for removal and related income-loss costs. [15](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property "North American Commercial Property") [16](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") (Evidence: Company-reported; scope: Separate US-marketed product routes; commercial property is not a business owner’s policy.; verified: 2026-09-16.)

Environmental-service firms can consider BeazleyOne Environmental’s combined general, professional and pollution liability; marine operators can ask about hull and marine liability. These do not establish a general corporate umbrella. [17](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [18](https://www.beazley.com/en-us/products/marine-usa/beazley-us-marine "Beazley US Marine") (Evidence: Company-reported; scope: Industry-specific products; marine builders risk is not mapped to general construction builders risk.; verified: 2026-09-16.)

Companies buying or selling a business can ask about representations-and-warranties insurance; Beazley also places specialist programs through MGAs and brokers for professional, general, product, manufacturers’ E&O, cyber and allied-medical risks. [12](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") [19](https://www.beazley.com/en-us/products/specialty-risk-usa/us-specialty-programs "US Specialty Programs") (Evidence: Company-reported; scope: Transaction insurance and delegated programs are distinct from a small-business direct purchase flow.; verified: 2026-09-16.)

For liability claims, confirm the reporting window and limit available after defense costs: Beazley’s application says coverage is claims-made and reported, with claims expenses reducing the limit and subject to retentions. [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Company-reported; scope: Application notice, page 1; current issued wording and endorsements control.; verified: 2026-09-16.) | Hiscox directly markets and offers online quotes for general liability, professional liability (errors and omissions), cyber security insurance and a business owner’s policy that combines general liability with commercial property. IT pages present those same lines for technology consultants rather than a separately named technology E&O policy. Website examples and coverage lists are illustrative; the issued policy controls. [36](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [27](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [28](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [29](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [30](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [22](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") (Evidence: Company-reported; scope: Current Hiscox small-business product and quote pages. Names establish marketed Hiscox NOW-style products, not limits, retroactive dates, exclusions or class eligibility.; verified: 2026-09-16.)

Hired/non-owned auto and commercial crime are described as upgrades to a Hiscox business owner’s policy, not standalone Hiscox policies. Crime is not sold separately and is not available in all states. HNOA is tied to the BOP occurrence limit and does not replace commercial auto for vehicles the business owns or regularly operates. [40](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Car Liability Insurance") [41](https://www.hiscox.com/small-business-insurance/business-owner-insurance/commercial-crime "Commercial crime insurance for small businesses") [30](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") (Evidence: Company-reported; scope: Current HNOA and commercial-crime product pages. Availability by state and class was not independently matrixed beyond those pages and the 2026 appetite guide.; verified: 2026-09-16.)

Hiscox describes partner routes for workers’ compensation through Hartford Fire Insurance Company, medical malpractice through unaffiliated NOW Insurance, and short-term liability through Thimble/Markel. Its other-insurance page directs buyers to Tivly for umbrella, employment practices liability, commercial property and inland marine. Confirm the current commercial-auto route and issuing insurer on the quote. These partner access paths do not establish that Hiscox Insurance Company Inc. issues the policy. [31](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") [48](https://www.hiscox.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance for Small Businesses") [33](https://www.hiscox.com/small-business-insurance/medical-malpractice-insurance "Medical Malpractice Insurance") [34](https://www.hiscox.com/small-business-insurance/short-term-liability-insurance "Short-Term Liability Insurance for Small Businesses") [49](https://www.hiscox.com/small-business-insurance/other-insurance "Specific Business Insurance Coverages") [46](https://www.hiscox.com/brokers/management-liability "Management Liability Insurance Executive Risks") (Evidence: Company-reported; scope: Product-specific partner access. Broker-channel Hiscox C-Suite management liability is separate from the other-insurance referral route.; verified: 2026-09-30.) | | Availability | California companies should confirm a current MediaTech form, admitted or surplus-lines route and eligibility before applying; reviewed pages do not establish these product-specific details, and the license disclosure alone does not answer them. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") [5](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [6](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/ "US Web Services Terms of Use") (Evidence: Not found in reviewed sources; scope: Reviewed public documents as of 2026-09-16; no California regulator product filing or issued quote inspected.; verified: 2026-09-16.)

California M&A buyers can ask about Beazley’s stated all-state underwriting and placement for M&A, but that claim does not establish MediaTech availability or acceptance of a particular transaction. [12](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") (Evidence: Company-reported; scope: M&A product only; independently verified state authorization not established.; verified: 2026-09-16.) | Hiscox says it is currently licensed to offer small-business insurance in 49 states and the District of Columbia, and that coverage is currently unavailable in Alaska. General liability and professional liability FAQs repeat the Alaska exclusion and say specialist brokers may be able to help if Hiscox does not sell online in an area. The 2026 Hiscox NOW appetite guide further says business owner’s policy is unavailable in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia. Coverage remains subject to underwriting and class. [21](https://www.hiscox.com/small-business-insurance "Hiscox Small Business Insurance") [27](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [28](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [43](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [26](https://www.hiscox.com/small-business-insurance/california-business-insurance "California Business Insurance") (Evidence: Company-reported; scope: Company-stated jurisdiction for the online/admitted small-business catalogue as of 16 September 2026. A 49-state license statement is not a product-by-profession matrix. California is included in the marketed 49-state set and has a dedicated Hiscox California page; that still does not bind a specific class.; verified: 2026-09-16.)

A Los Angeles office on the contact page does not establish California product eligibility. Broker-facing Hiscox C-Suite materials say Hiscox is no longer entertaining management-liability risks in the metro areas of California. Appetite tables also mark many contractor professional-liability classes as not available in California. Confirm state, class and channel on the actual quote. [42](https://www.hiscox.com/contact-us "Contact Us") [46](https://www.hiscox.com/brokers/management-liability "Management Liability Insurance Executive Risks") [43](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") (Evidence: Company-reported; scope: Contact-page office list, C-Suite broker page and July 2026 appetite class notes. C-Suite restriction applies to that broker management-liability product, not automatically to online GL/PL/cyber/BOP.; verified: 2026-09-16.) | | Servicing and renewals | Do not assume renewal or service speed: Beazley publishes a MediaTech renewal application, but no guarantee, dedicated account manager or policy-change turnaround was established. [4](https://www.beazley.com/globalassets/product-documents/application/beazley-media-tech-renewal-app-us.pdf "Beazley MediaTech Renewal Application") [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") (Evidence: Company-reported; scope: Public renewal document and service description; no policyholder account or service performance tested.; verified: 2026-09-16.)

Small businesses under $35 million in revenue may consider Beazley’s broker myBeazley quote-and-bind route for eligible cyber accounts with limits up to $5 million; Full Spectrum Cyber combines breach response with security tools. These route criteria do not establish MediaTech eligibility. [9](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") (Evidence: Company-reported; scope: Small-business Full Spectrum Cyber only; services, costs and entitlements depend on actual arrangements.; verified: 2026-09-16.) | Hiscox’s online account lets eligible customers download documents, create certificates, update some details and request certain changes; limit, coverage, cancellation and some payment changes require phone support. A certificate does not change policy terms. [38](https://www.hiscox.com/manage-your-policy "Manage your policy") [39](https://www.hiscox.com/manage-your-policy/get-certificate-of-insurance "Get a Certificate of Insurance (COI)") (Evidence: Company-reported; scope: Company-described self-service as of the manage-policy and certificate pages. Partner-issued policies may use different servicing portals.; verified: 2026-09-16.) | ## Provider Profiles for Beazley and Hiscox - [What Is Beazley?](https://thegeneralaverage.com/insurance-providers/beazley) - [What Is Hiscox?](https://thegeneralaverage.com/insurance-providers/hiscox) ## Comparisons Related to Beazley vs Hiscox - [AIG vs Beazley](https://thegeneralaverage.com/compare/aig-vs-beazley) - [AIG vs Hiscox](https://thegeneralaverage.com/compare/aig-vs-hiscox) - [Alliance Risk vs Beazley](https://thegeneralaverage.com/compare/alliance-risk-vs-beazley) - [Alliance Risk vs Hiscox](https://thegeneralaverage.com/compare/alliance-risk-vs-hiscox) - [Amelia Risk vs Beazley](https://thegeneralaverage.com/compare/amelia-risk-vs-beazley) - [Amelia Risk vs Hiscox](https://thegeneralaverage.com/compare/amelia-risk-vs-hiscox) - [Aon vs Beazley](https://thegeneralaverage.com/compare/aon-vs-beazley) - [Aon vs Hiscox](https://thegeneralaverage.com/compare/aon-vs-hiscox) - [Armilla vs Beazley](https://thegeneralaverage.com/compare/armilla-vs-beazley) - [Armilla vs Hiscox](https://thegeneralaverage.com/compare/armilla-vs-hiscox) - [At-Bay vs Beazley](https://thegeneralaverage.com/compare/at-bay-vs-beazley) - [At-Bay vs Hiscox](https://thegeneralaverage.com/compare/at-bay-vs-hiscox) - [The Baldwin Group vs Beazley](https://thegeneralaverage.com/compare/baldwin-vs-beazley) - [The Baldwin Group vs Hiscox](https://thegeneralaverage.com/compare/baldwin-vs-hiscox) - [Beazley vs Berkshire Hathaway Specialty Insurance](https://thegeneralaverage.com/compare/beazley-vs-berkshire-hathaway-specialty-insurance) - [Beazley vs biBerk](https://thegeneralaverage.com/compare/beazley-vs-biberk) - [Beazley vs CFC](https://thegeneralaverage.com/compare/beazley-vs-cfc) - [Beazley vs Chubb](https://thegeneralaverage.com/compare/beazley-vs-chubb) - [Beazley vs CNA](https://thegeneralaverage.com/compare/beazley-vs-cna) - [Beazley vs Coalition](https://thegeneralaverage.com/compare/beazley-vs-coalition) - [Beazley vs Corgi](https://thegeneralaverage.com/compare/beazley-vs-corgi) - [Beazley vs Coterie Insurance](https://thegeneralaverage.com/compare/beazley-vs-coterie) - [Beazley vs Counterpart](https://thegeneralaverage.com/compare/beazley-vs-counterpart) - [Beazley vs Coverdash](https://thegeneralaverage.com/compare/beazley-vs-coverdash) - [Beazley vs Cowbell](https://thegeneralaverage.com/compare/beazley-vs-cowbell) - [Beazley vs Embroker](https://thegeneralaverage.com/compare/beazley-vs-embroker) - [Beazley vs Founder Shield](https://thegeneralaverage.com/compare/beazley-vs-foundershield) - [Berkshire Hathaway Specialty Insurance vs Hiscox](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-hiscox) - [biBerk vs Hiscox](https://thegeneralaverage.com/compare/biberk-vs-hiscox) - [CFC vs Hiscox](https://thegeneralaverage.com/compare/cfc-vs-hiscox) - [Chubb vs Hiscox](https://thegeneralaverage.com/compare/chubb-vs-hiscox) - [CNA vs Hiscox](https://thegeneralaverage.com/compare/cna-vs-hiscox) - [Coalition vs Hiscox](https://thegeneralaverage.com/compare/coalition-vs-hiscox) - [Corgi vs Hiscox](https://thegeneralaverage.com/compare/corgi-vs-hiscox) - [Coterie Insurance vs Hiscox](https://thegeneralaverage.com/compare/coterie-vs-hiscox) - [Counterpart vs Hiscox](https://thegeneralaverage.com/compare/counterpart-vs-hiscox) - [Coverdash vs Hiscox](https://thegeneralaverage.com/compare/coverdash-vs-hiscox) - [Cowbell vs Hiscox](https://thegeneralaverage.com/compare/cowbell-vs-hiscox) - [Embroker vs Hiscox](https://thegeneralaverage.com/compare/embroker-vs-hiscox) ## Sources for Beazley vs Hiscox ### [Beazley Official Website](https://www.beazley.com/en-us/) 1. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; Opening product description; What we offer: E&O (Tech and Professional), Media, Cyber coverage includes; How can we help; SME placement paragraph; Tools & Resources. Accessed 2026-09-16. 2. [Beazley Digital Media Tech Application](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf). Beazley; F00859, 042022 edition, pages 1–2: notice, general information and revenue information. Accessed 2026-09-16. 3. [Beazley MediaTech Sample Policy](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf). Beazley; F00731, 022019 edition; printed pages 14, 16–18: definitions and exclusions (PDF pages 15, 17–19). Accessed 2026-09-16. 4. [Beazley MediaTech Renewal Application](https://www.beazley.com/globalassets/product-documents/application/beazley-media-tech-renewal-app-us.pdf). Beazley; F00729, 022019 edition; page 1, title and claims-made notice. Accessed 2026-09-16. 5. [Legal Information](https://www.beazley.com/en-us/legal-information-en/). Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16. 6. [US Web Services Terms of Use](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/). Beazley; Page 1: operating entities and California insurance license table. Accessed 2026-09-16. 7. [US Contingency Toolkit](https://www.beazley.com/globalassets/product-documents/beazley-us-contingency-toolkit.pdf). Beazley; PDF page 13: Event Tech Protect disclaimer; page 26: Disclaimer US (BZPAC211). Accessed 2026-09-16. 8. [Notify a Claim](https://www.beazley.com/en-us/notify-a-claim/). Beazley; Policy-first guidance; Submit a Notice of Loss; US email directory. Accessed 2026-09-16. 9. [Full Spectrum Cyber for Small Businesses](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses). Beazley; What we offer; Responsive Cyber; Vendor Services; Small and medium sized businesses. Accessed 2026-09-16. 10. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary). Beazley; ExecuGuard product introduction: combined EPL, D&O and fiduciary coverage for private organizations; What we offer: separate or shared limits, admitted or non-admitted; How can we help. Accessed 2026-09-16. 11. [Crime and Fidelity](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime). Beazley; What we offer: Commercial Crime (commercial companies) and Financial Fidelity Bonds (financial institutions); fraudulent instruction condition. Accessed 2026-09-16. 12. [Mergers & Acquisitions](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions). Beazley; What we offer: representations/warranties, target customers and 50-state statement. Accessed 2026-09-16. 13. [Virtual Care](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care). Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16. 14. [Life Sciences](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences). Beazley; What we offer; Our Coverages: Products/Completed Operations, Healthcare Professional Liability; Who we can help: middle-to-large life-sciences organizations. Accessed 2026-09-16. 15. [North American Commercial Property](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property). Beazley; North American Commercial Property: Coverage highlights; Who we can help (middle-to-large commercial accounts); Where is this offered (US and Canadian domicile, E&S basis). Accessed 2026-09-16. 16. [Product Recall – Manufacturing Risk and Response](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response). Beazley; What we offer; Who we can help; Where is this offered. Accessed 2026-09-16. 17. [Environmental Package Policy (BeazleyOne Environmental)](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy). Beazley; BeazleyOne environmental package: Key Coverages (General Liability, Professional Liability); Additional Coverages (Hired and Non-Owned Auto); Who we can help (environmental-service businesses). Accessed 2026-09-16. 18. [Beazley US Marine](https://www.beazley.com/en-us/products/marine-usa/beazley-us-marine). Beazley; Beazley US Marine: What we offer: Marine Hull and Marine Liability, primary and excess. Accessed 2026-09-16. 19. [US Specialty Programs](https://www.beazley.com/en-us/products/specialty-risk-usa/us-specialty-programs). Beazley; What we offer; Who we can help; Where is this offered. Accessed 2026-09-16. 20. [Explore All Products](https://www.beazley.com/en-us/products/). Beazley; US product directory, all product categories including Small Business Solutions and Reinsurance. Accessed 2026-09-16. ### [Hiscox Official Website](https://www.hiscox.com/small-business-insurance) 21. [Hiscox Small Business Insurance](https://www.hiscox.com/small-business-insurance). Hiscox; Product selector (GL, professional liability/E&O, cyber, workers compensation, commercial auto, medical malpractice, short-term liability); FAQ that Hiscox is licensed in 49 states and D.C. and unavailable in Alaska; partnership language for workers’ compensation; online quote statements. Accessed 2026-09-16. 22. [IT Professional & General Liability Insurance](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance). Hiscox; IT/technology professional audience; general liability, BOP, professional liability/E&O and cyber security descriptions for IT businesses; illustrative cyber breach-response example. Accessed 2026-09-16. 23. [Insurance for IT Consultants](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance/it-consultant-insurance). Hiscox; IT consultant professional-liability and general-liability descriptions, including the phrase technology professional liability insurance as a label for E&O for IT work. Accessed 2026-09-16. 24. [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance). Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. 25. [Website Terms & Conditions of Use](https://www.hiscox.com/terms-of-use). Hiscox; Last modified May 28, 2024; Hiscox Inc. as Delaware corporation headquartered in Atlanta, d/b/a Hiscox Insurance Agency in CA, licensed intermediary for admitted and surplus-lines business with Hiscox Insurance Company Inc., other domestic insurers, and Lloyd’s syndicates; small-business online path distinguished from broker-only site sections. Accessed 2026-09-16. 26. [California Business Insurance](https://www.hiscox.com/small-business-insurance/california-business-insurance). Hiscox; California product list (GL, professional liability, BOP, workers compensation, cyber); IT/technology profession link; payment-option and worldwide-claim-filing statements; footer that products are approved by the California Department of Insurance and underwritten by Hiscox Insurance Company Inc.; Hiscox Inc. as Delaware licensed producer; California d/b/a Hiscox Insurance Agency license no. 0F09668; coverage subject to underwriting and may not be available in all states; company-stated Illinois license number 8754. Accessed 2026-09-16. 27. [General Liability Insurance](https://www.hiscox.com/small-business-insurance/general-liability-insurance). Hiscox; Online quote; 49-state and D.C. availability with Alaska excluded; broker-referral if not sold online; payment annually or monthly with no additional fees; online 24/7 claim reporting; policy issued via email and certificate in welcome documents; illustrative California consultant pricing table labeled as illustrative; electronic data liability for IT professions; coverage subject to underwriting. Accessed 2026-09-16. 28. [Professional Liability Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/professional-liability-insurance). Hiscox; Professional liability/E&O product; licensed in 49 states and Washington, D.C. (Alaska excluded); specialist-broker assistance if not licensed in a state; licensed-advisor hours. Accessed 2026-09-16. 29. [Cyber Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/cyber-security-insurance). Hiscox; Standalone cyber security/cyber liability product with online quote; data-breach, cyberattack and related-loss descriptions; licensed-agent phone number 1-833-816-2811. Accessed 2026-09-16. 30. [Business Owner's Policy Insurance (BOP) Coverage](https://www.hiscox.com/small-business-insurance/business-owners-policy). Hiscox; BOP as combined general liability and commercial property; optional packages including cyber, non-owned commercial auto, commercial crime and professional liability; illustrative California IT/technology consultant pricing table labeled with asterisks; worldwide-coverage qualifications. Accessed 2026-09-16. 31. [Workers Compensation Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance). 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. 32. [Commercial Auto Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/commercial-auto-insurance). Hiscox; Commercial auto product page; quote redirect to a site not owned by Hiscox; customers referred to GEICO by Hiscox Inc. d/b/a Hiscox Insurance Agency in CA; products underwritten by Government Employees Insurance Company and affiliates. Accessed 2026-09-16. 33. [Medical Malpractice Insurance](https://www.hiscox.com/small-business-insurance/medical-malpractice-insurance). Hiscox; Partnership with NOW Insurance for medical malpractice quotes; footer that NOW Insurance is not affiliated with the Hiscox group and that Hiscox Inc. d/b/a Hiscox Insurance Agency in CA provides access to coverage available through NOW Insurance. Accessed 2026-09-16. 34. [Short-Term Liability Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/short-term-liability-insurance). Hiscox; Partnership with Thimble for short-term general and professional liability; not available in all jurisdictions or classes; underwritten by Markel Insurance Company, Ten Parkway North, Deerfield, IL 60015. Accessed 2026-09-16. 35. [Specific Business Insurance Coverages](https://www.hiscox.com/small-business-insurance/other-insurance). Hiscox; Partnership with CyberPolicy for additional coverages including commercial auto, umbrella, directors and officers, and employment practices liability, with quote links to sme.cyberpolicy.com. Accessed 2026-09-16. 36. [Get A Small Business Insurance Quote](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business). Hiscox; States that Hiscox offers general liability, professional liability, cyber security and business owner’s policies online; zip-code quote field; licensed-agent hours Monday–Friday 7 a.m.–10 p.m. ET and Saturday–Sunday 8 a.m.–5 p.m. ET. Accessed 2026-09-16. 37. [Start a Business Insurance Claim Online, by Phone or Mail](https://www.hiscox.com/manage-your-policy/claims-center). Hiscox; Online claim filing; phone 1-866-424-8508 with posted hours; specialized claims professional assignment; coverage validation; liability claims attorney-appointment description; broker-reported claims option; company marketing phrase award-winning claims service. Accessed 2026-09-16. 38. [Manage your policy](https://www.hiscox.com/manage-your-policy). Hiscox; Online account functions: download policy documents, certificates, authorized person, same-state address and business-name changes, loss runs, waiver of subrogation, certificate holder, document submission; phone-only changes including payment method, limits, new-state address, coverage adjustments and cancellation. Accessed 2026-09-16. 39. [Get a Certificate of Insurance (COI)](https://www.hiscox.com/manage-your-policy/get-certificate-of-insurance). Hiscox; Online ACORD/certificate generation using policy number and policy email address. Accessed 2026-09-16. 40. [Non-Owned Car Liability Insurance](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability). Hiscox; Hired/non-owned auto described as an upgrade to a business owner’s policy and part of that policy’s occurrence limit, not coverage for vehicles owned or regularly operated by the business. Accessed 2026-09-16. 41. [Commercial crime insurance for small businesses](https://www.hiscox.com/small-business-insurance/business-owner-insurance/commercial-crime). Hiscox; Commercial crime as a BOP upgrade not sold separately; not available in all states. Accessed 2026-09-16. 42. [Contact Us](https://www.hiscox.com/contact-us). Hiscox; U.S. locations including Atlanta headquarters and a Los Angeles office; statement that Hiscox operates in 49 U.S. states and D.C. and offers specialty products through U.S. brokers. Accessed 2026-09-16. 43. [Hiscox US Agent Appetite Guide](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf). Hiscox; Document 23295 07/26; Hiscox NOW admitted GL, PL, cyber and BOP; state exceptions including BOP unavailable in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia; technology classes including IT consultants and software development; footer that products are made available through Hiscox Inc. d/b/a Hiscox Insurance Agency in CA and underwritten by Hiscox Insurance Company Inc.; commission and premium may vary. Accessed 2026-09-16. 44. [Hiscox Insurance Company Inc. Company Profile](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3358&event=companyProfile). California Department of Insurance; HISCOX INSURANCE COMPANY INC.; NAIC 10200; California Company ID 1439-9; authorized in California 09/14/1953; license status UNLIMITED-NORMAL; company type Property & Casualty; domicile Illinois; NAIC Group 4666 Hiscox Ins Grp; authorized lines including liability, fire, workers’ compensation, surety and others. Accessed 2026-09-16. 45. [Hiscox Insurance Company Inc.](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=59700&s=Active&t=INS) Illinois Department of Insurance; Legal name HISCOX INSURANCE COMPANY INC.; P&C Domestic Stock; domicile County of Cook, Illinois; parent Hiscox Ltd.; status Active; NAIC 4666 10200; incorporated 11/26/1952; 125 South Wacker Drive Suite 2080 Chicago, IL 60606. Accessed 2026-09-16. 46. [Management Liability Insurance Executive Risks](https://www.hiscox.com/brokers/management-liability). Hiscox; Broker-facing Hiscox C-Suite management liability and crime solution; statement we are no longer entertaining risks in the metro areas of California; add-on references to media, cyber, crime and technology. Accessed 2026-09-16. 47. [What is Professional Liability Insurance?](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq) Hiscox; Claims-made description; current-customer claim number 866-424-8508 described as open 24 hours a day, 7 days a week. Accessed 2026-09-16. 48. [Commercial Auto Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/commercial-auto-insurance). Hiscox; The canonical commercial-auto URL currently resolves to a general small-business quote/coverage surface without the asserted GEICO referral. No evidence was found on the inspected page supporting that exact current partner assertion. Accessed 2026-09-29. 49. [Specific Business Insurance Coverages](https://www.hiscox.com/small-business-insurance/other-insurance). Hiscox; Current page names Tivly and lists umbrella, EPL, commercial property and inland marine. It does not support the rendered fact's CyberPolicy route for commercial auto/D&O/EPL/umbrella. Accessed 2026-09-29. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://thegeneralaverage.com/editorial-policy). To suggest a correction, [email The General Average](mailto:thegeneralaverage@spot.insure) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/compare/beazley-vs-hiscox.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://thegeneralaverage.com/llms.txt)