--- title: "Chubb vs Hiscox" description: "Chubb pairs DigiTech and ForeFront with a BOP for firms up to $30 million; Hiscox targets small professional and IT businesses." canonical: "https://thegeneralaverage.com/compare/chubb-vs-hiscox" page-type: "provider-comparison" updated-at: "2026-09-30" comparison-pair: "chubb-vs-hiscox" provider-a: "chubb" 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/chubb-vs-hiscox) ## Agent Guide **What this page is:** Side-by-side comparison of Chubb 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 Chubb 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 Chubb and Hiscox compare? - Which is better for business insurance, Chubb or Hiscox? - Does Chubb or Hiscox offer the coverage lines I need? - What service and claims differences are documented between Chubb and Hiscox? **Key facts:** - Providers compared: Chubb 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. - 10 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 - [Chubb profile](https://thegeneralaverage.com/insurance-providers/chubb) — provider profile (evidence for this comparison) - [Hiscox profile](https://thegeneralaverage.com/insurance-providers/hiscox) — provider profile (evidence for this comparison) - [Chubb Business Owner’s Policy](https://thegeneralaverage.com/insurance-providers/chubb/business-owners-policy) — one provider's documented offering for a shared coverage line - [Hiscox Business Owner’s Policy](https://thegeneralaverage.com/insurance-providers/hiscox/business-owners-policy) — one provider's documented offering for a shared coverage line - [Chubb Cyber Insurance](https://thegeneralaverage.com/insurance-providers/chubb/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 - [Chubb General Liability Insurance](https://thegeneralaverage.com/insurance-providers/chubb/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 - [Chubb Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/chubb/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 - [Chubb Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/chubb/workers-compensation) — one provider's documented offering for a shared coverage line - [Hiscox Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/hiscox/workers-compensation) — one provider's documented offering for a shared coverage line - [AIG vs Chubb](https://thegeneralaverage.com/compare/aig-vs-chubb) — sibling comparison - [AIG vs Hiscox](https://thegeneralaverage.com/compare/aig-vs-hiscox) — sibling comparison - [Alliance Risk vs Chubb](https://thegeneralaverage.com/compare/alliance-risk-vs-chubb) — sibling comparison - [Alliance Risk vs Hiscox](https://thegeneralaverage.com/compare/alliance-risk-vs-hiscox) — sibling comparison - [Amelia Risk vs Chubb](https://thegeneralaverage.com/compare/amelia-risk-vs-chubb) — sibling comparison - [Amelia Risk vs Hiscox](https://thegeneralaverage.com/compare/amelia-risk-vs-hiscox) — sibling comparison - [Aon vs Chubb](https://thegeneralaverage.com/compare/aon-vs-chubb) — sibling comparison - [Aon vs Hiscox](https://thegeneralaverage.com/compare/aon-vs-hiscox) — sibling comparison - [Armilla vs Chubb](https://thegeneralaverage.com/compare/armilla-vs-chubb) — sibling comparison - [Armilla vs Hiscox](https://thegeneralaverage.com/compare/armilla-vs-hiscox) — sibling comparison - [At-Bay vs Chubb](https://thegeneralaverage.com/compare/at-bay-vs-chubb) — sibling comparison - [At-Bay vs Hiscox](https://thegeneralaverage.com/compare/at-bay-vs-hiscox) — sibling comparison - [The Baldwin Group vs Chubb](https://thegeneralaverage.com/compare/baldwin-vs-chubb) — sibling comparison - [The Baldwin Group vs Hiscox](https://thegeneralaverage.com/compare/baldwin-vs-hiscox) — sibling comparison - [Beazley vs Chubb](https://thegeneralaverage.com/compare/beazley-vs-chubb) — sibling comparison - [Beazley vs Hiscox](https://thegeneralaverage.com/compare/beazley-vs-hiscox) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs Chubb](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-chubb) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs Hiscox](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-hiscox) — sibling comparison - [biBerk vs Chubb](https://thegeneralaverage.com/compare/biberk-vs-chubb) — sibling comparison - [biBerk vs Hiscox](https://thegeneralaverage.com/compare/biberk-vs-hiscox) — sibling comparison - [CFC vs Chubb](https://thegeneralaverage.com/compare/cfc-vs-chubb) — sibling comparison - [CFC vs Hiscox](https://thegeneralaverage.com/compare/cfc-vs-hiscox) — sibling comparison - [Chubb vs CNA](https://thegeneralaverage.com/compare/chubb-vs-cna) — sibling comparison - [Chubb vs Coalition](https://thegeneralaverage.com/compare/chubb-vs-coalition) — sibling comparison - [Chubb vs Corgi](https://thegeneralaverage.com/compare/chubb-vs-corgi) — sibling comparison - [Chubb vs Coterie Insurance](https://thegeneralaverage.com/compare/chubb-vs-coterie) — sibling comparison - [Chubb vs Counterpart](https://thegeneralaverage.com/compare/chubb-vs-counterpart) — sibling comparison - [Chubb vs Coverdash](https://thegeneralaverage.com/compare/chubb-vs-coverdash) — sibling comparison - [Chubb vs Cowbell](https://thegeneralaverage.com/compare/chubb-vs-cowbell) — sibling comparison - [Chubb vs Embroker](https://thegeneralaverage.com/compare/chubb-vs-embroker) — sibling comparison - [Chubb vs Founder Shield](https://thegeneralaverage.com/compare/chubb-vs-foundershield) — 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 # Chubb vs Hiscox: How Do They Compare for Business Insurance? Chubb pairs DigiTech and ForeFront with a BOP for firms up to $30 million; Hiscox targets small professional and IT businesses. ## Before You Quote Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business. ## Chubb vs Hiscox in Brief Chubb’s DigiTech and ForeFront support broader technology and management coverage, and its BOP is for firms up to $30 million revenue; Hiscox offers small-business IT policies. [10](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [7](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") [45](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") [47](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") ## Chubb and Hiscox Reliability Scores These sourced assessments are shown for context; this comparison does not select a winner. ### Chubb Reliability Scores Role: Insurance carrier. Carrier & MGA Reliability Score: **6.4/10** (partial score; 40% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Financial Resilience (AM Best rates Federal Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company A++ (Superior) with a stable outlook, but a rating is an opinion, not a statutory figure. Statutory capital, surplus and results are reported only in combination across the subsidiary group, and no current product is mapped to an issuing entity, so the issuing entity’s own resources are not established.); Claims and Servicing (The evidence does not sufficiently establish responsibility, access and escalation across the assessed services.); 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/chubb/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). ## Chubb Review Scores for 2026 Review Score: 6.9 / 10 from 5 rated sources, equally weighted. Chubb earns 5/5 from NerdWallet, which reports fewer-than-expected commercial property and liability complaints. Customer ratings are mixed across products and locations. - NerdWallet: NerdWallet editorial rating 5.0 (5 stars). Chubb identity; US commercial insurance review/satisfaction evidence sought on NerdWallet. Period: updated 2026-05-14. Checked 2026-09-25. [Chubb Business Insurance Review 2026: Top-Rated Company, Customizable BOP](https://www.nerdwallet.com/business/insurance/learn/chubb-small-business-insurance) - Trustpilot: TrustScore 4.2 (5 stars); 3345 reviews. Chubb identity; US commercial insurance review/satisfaction evidence sought on Trustpilot. Checked 2026-09-25. [Chubb (European Region) Reviews](https://www.trustpilot.com/review/www.chubb.com) - Google: Google star rating 2.0 (5 stars); 8 reviews. One Chubb Group local listing at 701 5th Ave, Seattle, Washington; profile-level feedback is not firmwide, not line-specific, and may include personal policies/claims. Checked 2026-09-25. [Chubb Group of Insurance Companies — Google reviews via Birdeye](https://reviews.birdeye.com/chubb-group-of-insurance-companies-149396582765159) - ConsumerAffairs: ConsumerAffairs star rating 1.8 (5 stars); 20 reviews. ConsumerAffairs page for U.S. Chubb auto insurance (personal auto); not commercial-policy feedback. Period: page updated 2026-08-14. Checked 2026-09-25. [Chubb Auto Insurance Reviews](https://www.consumeraffairs.com/insurance/chubb.html) - MoneyGeek: MoneyGeek customer score 4.2 (5 points). MoneyGeek’s U.S. small-business insurance customer-review analysis; publisher describes it as cross-source review analysis and does not isolate one commercial line. Period: 2026 review; MoneyGeek reports over 1,100 reviews, collection period not stated. Checked 2026-09-25. [Chubb Business Insurance Review (2026 Ratings)](https://www.moneygeek.com/insurance/business/chubb-review/) Reviewed 2026-09-25. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/chubb/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 Chubb and Hiscox An independent IT consultant seeking professional liability can use Hiscox’s small-business route; a venture-backed software company with revenue up to $30 million can ask about Chubb DigiTech, ForeFront and BOP. Choose Hiscox for an eligible small-consultant quote; choose Chubb for DigiTech and a BOP within its revenue threshold. [46](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance/it-consultant-insurance "Insurance for IT Consultants") [7](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") ## What Stands Out About Chubb and Hiscox? ### Chubb at a Glance - Eligible technology companies can combine technology E&O, media and cyber through DigiTech ERM. [10](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance For Businesses") [4](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") (Evidence: Company-reported; scope: U.S. cyber product pages accessed 16 September 2026. Product names are not equivalent coverage across every insured.; verified: 2026-09-16.) - Agents can quote eligible small-business accounts online; cyber has a faster application route. [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance For Businesses") [10](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [30](https://www.chubb.com/us-en/contact.html "Contact Chubb") [31](https://www.chubb.com/us-en/contact-us.html "Chubb Insurance In The U.S.") [12](https://www.chubb.com/us-en/business-insurance/forefront-3-0-private-company.html "ForeFront Portfolio 3.0 For Private Companies") (Evidence: Company-reported; scope: U.S. agent platforms and buyer contact paths as of 16 September 2026. Quote speed and bindability are not guaranteed for any applicant.; 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. [48](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") [47](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. [59](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [50](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [51](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [52](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [53](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [45](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.) ## Chubb vs Hiscox Coverage Lines Compared | Coverage Type | Chubb | Hiscox | | --- | --- | --- | | [Builders risk](https://thegeneralaverage.com/coverage/builders-risk) | Listed: Chubb offers builders risk insurance. [22](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html "Builders' Risk Insurance") [21](https://www.chubb.com/us-en/business-insurance/inland-marine.html "Inland Marine Insurance") | Not listed | | [Business owner’s policy](https://thegeneralaverage.com/coverage/business-owners-policy) | Listed: Chubb offers business owner’s policies for eligible small businesses with up to $30 million in revenue. [7](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") [4](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") | Listed: Hiscox offers business owner’s policies for small businesses. [53](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") | | [Cargo and transit](https://thegeneralaverage.com/coverage/cargo-transit) | Listed: Chubb offers cargo insurance. [24](https://www.chubb.com/us-en/business-insurance/worldwide-ocean-cargo-insurance.html "Worldwide Ocean Cargo Insurance") | Not listed | | [Commercial auto](https://thegeneralaverage.com/coverage/commercial-auto) | Listed: Chubb offers commercial auto insurance. [17](https://www.chubb.com/us-en/business-insurance/chubb-commercial-auto.html "Commercial Auto Insurance") [7](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") | Not listed | | [Commercial property](https://thegeneralaverage.com/coverage/commercial-property) | Listed: Chubb offers commercial property insurance. [15](https://www.chubb.com/us-en/business-insurance/property-product.html "Commercial Property Insurance") [4](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") | Not listed | | [Crime](https://thegeneralaverage.com/coverage/crime) | Listed: Chubb offers crime coverage within its ForeFront portfolio for private, nonprofit and health care organizations. [11](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [5](https://www.chubb.com/us-en/business-insurance/software-system-developers.html "Insurance For Software Product & System Developers") | Not listed | | [Cyber liability](https://thegeneralaverage.com/coverage/cyber) | Listed: Chubb offers cyber insurance. [10](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance For Businesses") | Listed: Hiscox offers cyber insurance for small businesses. [52](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [45](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: Chubb offers directors and officers liability insurance for smaller privately held companies through ForeFront. [13](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html "ForeFront Portfolio 3.0: Directors & Officers And Entity Liability Insurance") [11](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") | Not listed | | [Employment practices liability](https://thegeneralaverage.com/coverage/employment-practices) | Listed: Chubb offers employment practices liability insurance. [11](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [14](https://www.chubb.com/us-en/business-insurance/management-liability.html "Management Liability Insurance") | Not listed | | [Equipment breakdown](https://thegeneralaverage.com/coverage/equipment-breakdown) | Listed: Chubb offers equipment breakdown insurance. [23](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html "Equipment Breakdown Insurance") [5](https://www.chubb.com/us-en/business-insurance/software-system-developers.html "Insurance For Software Product & System Developers") | Not listed | | [Fiduciary liability](https://thegeneralaverage.com/coverage/fiduciary) | Listed: Chubb offers fiduciary liability insurance. [11](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [14](https://www.chubb.com/us-en/business-insurance/management-liability.html "Management Liability Insurance") | Not listed | | [General liability](https://thegeneralaverage.com/coverage/general-liability) | Listed: Chubb offers general liability insurance within its commercial package products. [7](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") [4](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [20](https://www.chubb.com/us-en/business-insurance/environmental.html "Environmental Insurance Coverage & Services") | Listed: Hiscox offers general liability insurance for small businesses. [50](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") | | [Kidnap and ransom](https://thegeneralaverage.com/coverage/kidnap-ransom) | Listed: Chubb offers kidnap and ransom insurance. [11](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [14](https://www.chubb.com/us-en/business-insurance/management-liability.html "Management Liability Insurance") | Not listed | | [Management liability](https://thegeneralaverage.com/coverage/management-liability) | Listed: Chubb offers management liability insurance. [11](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [14](https://www.chubb.com/us-en/business-insurance/management-liability.html "Management Liability Insurance") | Not listed | | [Media liability](https://thegeneralaverage.com/coverage/media) | Listed: Chubb offers media liability insurance through DigiTech ERM for technology companies. [10](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") | Not listed | | [Product recall](https://thegeneralaverage.com/coverage/product-recall) | Listed: Chubb offers product recall insurance for businesses handling finished consumer goods. [26](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html "Chubb Recall Plus For Consumer Goods") [28](https://www.chubb.com/us-en/business-insurance/excess-surplus.html "Excess And Surplus Insurance (E&S Insurance)") | Not listed | | [Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions) | Listed: Chubb offers professional errors and omissions insurance through Pro ERM for non-licensed professional-service firms. [10](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [5](https://www.chubb.com/us-en/business-insurance/software-system-developers.html "Insurance For Software Product & System Developers") | Listed: Hiscox offers professional errors and omissions insurance for small businesses. [51](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [45](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: Chubb offers representations and warranties insurance within its offering for large US- and Canadian-based multinational companies. [27](https://www.chubb.com/us-en/business-insurance/multinational-for-large-companies.html "Multinational Insurance Coverage And Solutions For Large Accounts") | Not listed | | [Surety bonds](https://thegeneralaverage.com/coverage/surety-bonds) | Listed: Chubb offers surety bonds. [25](https://www.chubb.com/us-en/surety.html "Surety Bonds") | Not listed | | [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) | Listed: Chubb offers technology errors and omissions insurance through DigiTech ERM for technology companies. [10](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [4](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") | Not listed | | [Tools, equipment and inland marine](https://thegeneralaverage.com/coverage/inland-marine) | Listed: Chubb offers inland marine insurance. [21](https://www.chubb.com/us-en/business-insurance/inland-marine.html "Inland Marine Insurance") [28](https://www.chubb.com/us-en/business-insurance/excess-surplus.html "Excess And Surplus Insurance (E&S Insurance)") | Not listed | | [Umbrella and excess liability](https://thegeneralaverage.com/coverage/umbrella-excess) | Listed: Chubb offers umbrella and excess liability insurance. [16](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html "Umbrella & Excess Casualty Insurance") [7](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") | Not listed | | [Workers’ compensation](https://thegeneralaverage.com/coverage/workers-compensation) | Listed: Chubb offers workers’ compensation insurance for small businesses, from one employee up to $30 million in revenue, including technology companies. [8](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance For Small Business") [4](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") | Listed: Hiscox provides access to workers’ compensation underwritten by Hartford Fire Insurance Company and requires a general liability policy. [54](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. ## Chubb and Hiscox Coverage, Line by Line - [Chubb Business Owner’s Policy](https://thegeneralaverage.com/insurance-providers/chubb/business-owners-policy) - [Hiscox Business Owner’s Policy](https://thegeneralaverage.com/insurance-providers/hiscox/business-owners-policy) - [Chubb Cyber Insurance](https://thegeneralaverage.com/insurance-providers/chubb/cyber) - [Hiscox Cyber Insurance](https://thegeneralaverage.com/insurance-providers/hiscox/cyber) - [Chubb General Liability Insurance](https://thegeneralaverage.com/insurance-providers/chubb/general-liability) - [Hiscox General Liability Insurance](https://thegeneralaverage.com/insurance-providers/hiscox/general-liability) - [Chubb Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/chubb/professional-errors-omissions) - [Hiscox Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/hiscox/professional-errors-omissions) - [Chubb Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/chubb/workers-compensation) - [Hiscox Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/hiscox/workers-compensation) ## 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 Chubb and Hiscox ### Small-Professional Insurer Versus Multi-Line Group Hiscox is the brand name used by its U.S. insurance businesses. Website terms identify Hiscox Inc. as a licensed intermediary. About Hiscox US names Hiscox Insurance Company Inc. as the affiliated insurer. Chubb’s U.S. policies are issued by Chubb-group companies, a separate group. [48](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") [47](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") Hiscox Insurance Company Inc. appears in Hiscox’s about materials and California Department of Insurance listings used here. Chubb’s issuing companies are a separate group. Hiscox also describes partner and surplus paths; those are additional paper, not Chubb. [67](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3358&event=companyProfile "Hiscox Insurance Company Inc. Company Profile") [41](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2652&event=companyProfile "California Company Profile: Federal Insurance Company") ### Direct Online Versus Agent Marketplace Hiscox describes get-a-quote and manage-policy online for eligible small businesses. Chubb’s commercial technology quoting for eligible risks is appointed-agent Marketplace/Cyber Central, with chubbsmallbusiness.com for small-business inquiries. [59](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [31](https://www.chubb.com/us-en/contact-us.html "Chubb Insurance In The U.S.") ### IT Consultant Products Versus DigiTech Hiscox IT insurance pages target consultants and similar professionals. Chubb DigiTech targets software developers, technology services and hardware manufacturers with combined E&O, media and cyber. A Hiscox consultant policy is not automatically a substitute DigiTech form. [45](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") [10](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") ## What Should You Confirm in Chubb and Hiscox Quotes? - **Hiscox Insurance Company Inc. versus partner/surplus paper** compared with Federal or ACE American. [72](https://www.hiscox.com/small-business-insurance/other-insurance "Specific Business Insurance Coverages") [30](https://www.chubb.com/us-en/contact.html "Contact Chubb") - **Where Hiscox will quote online** compared with Chubb’s rule that products vary by jurisdiction. [49](https://www.hiscox.com/small-business-insurance/california-business-insurance "California Business Insurance") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") - **BOP upgrades and commercial auto** if the consultant hires employees or vehicles. [53](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [7](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") - **Claims center** versus Chubb 1-800-CLAIMS-0. [60](https://www.hiscox.com/manage-your-policy/claims-center "Start a Business Insurance Claim Online, by Phone or Mail") [33](https://www.chubb.com/us-en/claims/report-claim.html "Report A Claim") ## Chubb vs Hiscox Services Compared What each provider documents about the services you may need. | Criteria | Chubb | Hiscox | | --- | --- | --- | | Business role | Businesses buying Chubb coverage receive a policy from a US underwriting company, not from Chubb Limited, the Swiss holding company. Chubb is the marketing name for the group’s insurance subsidiaries and related services. [39](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm "Chubb Limited Form 10-K For The Year Ended 31 December 2025") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [25](https://www.chubb.com/us-en/surety.html "Surety Bonds") (Evidence: Verified; scope: Group identity from the 2025 Form 10-K Item 1 and U.S. website legal disclosures. The holding company is not the risk-bearing insurer on a given U.S. policy.; verified: 2026-09-16.)

Most commercial buyers need an independent agent or broker to reach Chubb; surplus-lines products require a licensed surplus-lines producer. Chubb appoints producers and operates agent portals, while Chubb Insurance Solutions Agency, Inc. administers Chubb Access appointments. [29](https://www.chubb.com/us-en/agents-brokers/get-chubb-access.html "Get Access To Chubb") [30](https://www.chubb.com/us-en/contact.html "Contact Chubb") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [38](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/campaign/pdfs/55010055_NewYork-2022-24-05.pdf "Chubb New York Region Appointment Materials") (Evidence: Company-reported; scope: U.S. distribution as described on agent-access, contact and terms pages. This does not mean every independent agent is appointed for every product.; 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. [48](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") [47](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. [49](https://www.hiscox.com/small-business-insurance/california-business-insurance "California Business Insurance") [66](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [54](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") [48](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.) | | Customer focus | Startups through multinationals in software, technology services, communications and hardware can ask Chubb about technology insurance; its small-business BOP also lists technology among 500+ classes for firms with up to $30 million revenue. [4](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [7](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") [5](https://www.chubb.com/us-en/business-insurance/software-system-developers.html "Insurance For Software Product & System Developers") (Evidence: Company-reported; scope: Company marketing of industry appetite and BOP eligibility. It does not establish that a particular Bay Area startup will be quoted or bound.; verified: 2026-09-16.) | Small professional and service firms, including IT consultants, can request Hiscox small-business coverage; startups may qualify depending on class, revenue and underwriting. [44](https://www.hiscox.com/small-business-insurance "Hiscox Small Business Insurance") [45](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") [66](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") (Evidence: Company-reported; scope: Company-described audience on current small-business, IT and July 2026 Hiscox NOW appetite materials. This does not establish eligibility for any particular Bay Area company, revenue band or class.; verified: 2026-09-16.) | | Coverage lines | Technology companies can compare DigiTech ERM, which combines technology E&O, media and cyber in one policy, with Chubb’s Cyber ERM or Pro ERM options; the issued form sets actual terms, limits and exclusions. [10](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance For Businesses") [4](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") (Evidence: Company-reported; scope: U.S. cyber product pages accessed 16 September 2026. Product names are not equivalent coverage across every insured.; verified: 2026-09-16.)

Businesses can also ask Chubb about BOP, workers’ compensation, auto, umbrella/excess, management liability, property, marine, builders risk, equipment breakdown, cargo, environmental, surety, product recall and transaction coverage; product names do not mean one package includes every line. [4](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [7](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner’s Policy (BOP) Insurance") [11](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio") [15](https://www.chubb.com/us-en/business-insurance/property-product.html "Commercial Property Insurance") [25](https://www.chubb.com/us-en/surety.html "Surety Bonds") [27](https://www.chubb.com/us-en/business-insurance/multinational-for-large-companies.html "Multinational Insurance Coverage And Solutions For Large Accounts") (Evidence: Company-reported; scope: Offerings documented on dedicated product or industry solution pages. Availability, admitted versus surplus paper, and wording vary by product, size and jurisdiction.; 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. [59](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [50](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [51](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [52](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [53](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [45](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. [63](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Car Liability Insurance") [64](https://www.hiscox.com/small-business-insurance/business-owner-insurance/commercial-crime "Commercial crime insurance for small businesses") [53](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. [54](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") [71](https://www.hiscox.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance for Small Businesses") [56](https://www.hiscox.com/small-business-insurance/medical-malpractice-insurance "Medical Malpractice Insurance") [57](https://www.hiscox.com/small-business-insurance/short-term-liability-insurance "Short-Term Liability Insurance for Small Businesses") [72](https://www.hiscox.com/small-business-insurance/other-insurance "Specific Business Insurance Coverages") [69](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.) | | Application process | Eligible small businesses can get agent-assisted quotes through Chubb Marketplace, with Cyber Central offering an express cyber route; the described online path is for appointed agents and brokers, not a general-public bind for middle-market technology programs. Cyber risks under $100 million revenue may qualify; referred risks go to underwriters. [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance For Businesses") [10](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [30](https://www.chubb.com/us-en/contact.html "Contact Chubb") [31](https://www.chubb.com/us-en/contact-us.html "Chubb Insurance In The U.S.") [12](https://www.chubb.com/us-en/business-insurance/forefront-3-0-private-company.html "ForeFront Portfolio 3.0 For Private Companies") (Evidence: Company-reported; scope: U.S. agent platforms and buyer contact paths as of 16 September 2026. Quote speed and bindability are not guaranteed for any applicant.; verified: 2026-09-16.) | 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. [59](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [50](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [44](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.) | | Access to insurers | Check the declarations for your policy’s actual insurer because different Chubb companies issue different placements. Sources name Federal Insurance Company, ACE American, Westchester Fire or Westchester Surplus Lines, and for some business Illinois Union or other ACE paper. [30](https://www.chubb.com/us-en/contact.html "Contact Chubb") [25](https://www.chubb.com/us-en/surety.html "Surety Bonds") [28](https://www.chubb.com/us-en/business-insurance/excess-surplus.html "Excess And Surplus Insurance (E&S Insurance)") [36](https://www.chubb.com/content/dam/aem-chubb-global/static-pages/valuablesxs/documents/licensinginformation.pdf "Chubb Company License Information") [41](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2652&event=companyProfile "California Company Profile: Federal Insurance Company") (Evidence: Company-reported; scope: U.S. commercial placements. Ratings cited on Westchester’s page are company-reported and were not independently verified.; verified: 2026-09-16.) | Hiscox NOW appetite and About Hiscox US say admitted small-business products described there are underwritten by Hiscox Insurance Company Inc., a Chicago-based insurer licensed in all 50 states and D.C. The California Department of Insurance independently identifies that company as an Illinois-domiciled property-and-casualty insurer, NAIC 10200, California Company ID 1439-9, authorized in California since 14 September 1953 with unlimited-normal status. Hiscox’s California marketing page also cites Illinois license number 8754, which is not the CDI company ID; reconcile names and numbers on the quote. [67](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3358&event=companyProfile "Hiscox Insurance Company Inc. Company Profile") [68](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=59700&s=Active&t=INS "Hiscox Insurance Company Inc.") [47](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [66](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [49](https://www.hiscox.com/small-business-insurance/california-business-insurance "California Business Insurance") (Evidence: Verified; scope: Admitted Hiscox NOW GL, professional liability, cyber and BOP as described in 2026 appetite and About pages, plus CDI/Illinois regulator records for the named insurer. Regulator authorization is not proof that a given class is written in California today.; verified: 2026-09-16.)

Hiscox describes several separate partner routes: workers’ compensation underwritten by Hartford Fire Insurance Company, medical malpractice through unaffiliated NOW Insurance, and short-term liability through Thimble with Markel Insurance Company. Its other-insurance page currently directs buyers to Tivly for umbrella, employment practices liability, commercial property and inland marine. The reviewed commercial-auto destination does not identify the previously named referral partner. Confirm the current route and issuing insurer on the quote; do not assume the issuer is Hiscox Insurance Company Inc. [54](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") [71](https://www.hiscox.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance for Small Businesses") [56](https://www.hiscox.com/small-business-insurance/medical-malpractice-insurance "Medical Malpractice Insurance") [57](https://www.hiscox.com/small-business-insurance/short-term-liability-insurance "Short-Term Liability Insurance for Small Businesses") [72](https://www.hiscox.com/small-business-insurance/other-insurance "Specific Business Insurance Coverages") (Evidence: Company-reported; scope: Product-specific partner routes in the retained September 29 review. The current reviewed commercial-auto destination does not establish a referral partner; confirm the quote route and issuer.; verified: 2026-09-30.)

Hiscox Inc. says it is an approved Lloyd’s coverholder and underwrites surplus-lines business on behalf of Lloyd’s Syndicates 33 and 3624, with U.S. surplus-lines placements made by licensed surplus-lines brokers. Terms also say Hiscox Inc. may place admitted and surplus-lines business with Hiscox Insurance Company Inc., other domestic insurers, and Lloyd’s syndicates. That surplus-lines route is described as distinct from the online small-business catalogue. [47](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [48](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") (Evidence: Company-reported; scope: Company disclosures on About Hiscox US and website terms. This does not establish that a California online small-business quote uses Lloyd’s paper.; verified: 2026-09-16.) | ## Provider Profiles for Chubb and Hiscox - [What Is Chubb?](https://thegeneralaverage.com/insurance-providers/chubb) - [What Is Hiscox?](https://thegeneralaverage.com/insurance-providers/hiscox) ## Comparisons Related to Chubb vs Hiscox - [AIG vs Chubb](https://thegeneralaverage.com/compare/aig-vs-chubb) - [AIG vs Hiscox](https://thegeneralaverage.com/compare/aig-vs-hiscox) - [Alliance Risk vs Chubb](https://thegeneralaverage.com/compare/alliance-risk-vs-chubb) - [Alliance Risk vs Hiscox](https://thegeneralaverage.com/compare/alliance-risk-vs-hiscox) - [Amelia Risk vs Chubb](https://thegeneralaverage.com/compare/amelia-risk-vs-chubb) - [Amelia Risk vs Hiscox](https://thegeneralaverage.com/compare/amelia-risk-vs-hiscox) - [Aon vs Chubb](https://thegeneralaverage.com/compare/aon-vs-chubb) - [Aon vs Hiscox](https://thegeneralaverage.com/compare/aon-vs-hiscox) - [Armilla vs Chubb](https://thegeneralaverage.com/compare/armilla-vs-chubb) - [Armilla vs Hiscox](https://thegeneralaverage.com/compare/armilla-vs-hiscox) - [At-Bay vs Chubb](https://thegeneralaverage.com/compare/at-bay-vs-chubb) - [At-Bay vs Hiscox](https://thegeneralaverage.com/compare/at-bay-vs-hiscox) - [The Baldwin Group vs Chubb](https://thegeneralaverage.com/compare/baldwin-vs-chubb) - [The Baldwin Group vs Hiscox](https://thegeneralaverage.com/compare/baldwin-vs-hiscox) - [Beazley vs Chubb](https://thegeneralaverage.com/compare/beazley-vs-chubb) - [Beazley vs Hiscox](https://thegeneralaverage.com/compare/beazley-vs-hiscox) - [Berkshire Hathaway Specialty Insurance vs Chubb](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-chubb) - [Berkshire Hathaway Specialty Insurance vs Hiscox](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-hiscox) - [biBerk vs Chubb](https://thegeneralaverage.com/compare/biberk-vs-chubb) - [biBerk vs Hiscox](https://thegeneralaverage.com/compare/biberk-vs-hiscox) - [CFC vs Chubb](https://thegeneralaverage.com/compare/cfc-vs-chubb) - [CFC vs Hiscox](https://thegeneralaverage.com/compare/cfc-vs-hiscox) - [Chubb vs CNA](https://thegeneralaverage.com/compare/chubb-vs-cna) - [Chubb vs Coalition](https://thegeneralaverage.com/compare/chubb-vs-coalition) - [Chubb vs Corgi](https://thegeneralaverage.com/compare/chubb-vs-corgi) - [Chubb vs Coterie Insurance](https://thegeneralaverage.com/compare/chubb-vs-coterie) - [Chubb vs Counterpart](https://thegeneralaverage.com/compare/chubb-vs-counterpart) - [Chubb vs Coverdash](https://thegeneralaverage.com/compare/chubb-vs-coverdash) - [Chubb vs Cowbell](https://thegeneralaverage.com/compare/chubb-vs-cowbell) - [Chubb vs Embroker](https://thegeneralaverage.com/compare/chubb-vs-embroker) - [Chubb vs Founder Shield](https://thegeneralaverage.com/compare/chubb-vs-foundershield) - [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 Chubb vs Hiscox ### [Chubb Official Website](https://www.chubb.com/us-en/) 1. [Insurance For Individuals & Businesses](https://www.chubb.com/us-en/). Chubb; Businesses; Get a quote; claims statistics; insurance products and client services. Accessed 2026-09-16. 2. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16. 3. [Commercial Insurance](https://www.chubb.com/us-en/business-insurance.html). Chubb; Industry practices; small businesses, middle market, large and multinational segments; claims paid and satisfaction figures. Accessed 2026-09-16. 4. [Insurance For Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16. 5. [Insurance For Software Product & System Developers](https://www.chubb.com/us-en/business-insurance/software-system-developers.html). Chubb; Property & casualty and financial-lines coverage solutions lists for software and systems developers. Accessed 2026-09-16. 6. [Technology Services And Consulting Insurance Solutions](https://www.chubb.com/us-en/business-insurance/technology-services-consulting.html). Chubb; Property & casualty and financial-lines coverage solutions lists. Accessed 2026-09-16. 7. [Business Owner’s Policy (BOP) Insurance](https://www.chubb.com/us-en/business-insurance/chubb-bop.html). Chubb; Chubb BOP Insurance Eligibility: up to $30M revenue and 500+ classes including technology; Chubb BOP Coverage Highlights: property and liability package; Total Account Solution: umbrella, workers’ compensation, commercial auto, ForeFront and Cyber ERM/DigiTech ERM. Accessed 2026-09-16. 8. [Workers' Compensation Insurance For Small Business](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html). Chubb; Small-business workers’ compensation for one employee through $30M revenue; claims-service descriptions; supporting products. Accessed 2026-09-16. 9. [Cyber Insurance For Businesses](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html). Chubb; Agent quoting via Chubb Marketplace and Cyber Central; policyholder incident-response hotline and Cyber Alert app. Accessed 2026-09-16. 10. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16. 11. [The ForeFront Portfolio](https://www.chubb.com/us-en/business-insurance/forefront.html). Chubb; ForeFront Portfolio introduction; available coverages for private, not-for-profit and healthcare organizations: D&O, EPL, fiduciary, employed lawyers, crime, kidnap/ransom and workplace violence expense. Accessed 2026-09-16. 12. [ForeFront Portfolio 3.0 For Private Companies](https://www.chubb.com/us-en/business-insurance/forefront-3-0-private-company.html). Chubb; Coverage highlights for private companies; contact-an-agent quote prompt; New Jersey application note. Accessed 2026-09-16. 13. [ForeFront Portfolio 3.0: Directors & Officers And Entity Liability Insurance](https://www.chubb.com/us-en/business-insurance/forefront-portfolio-3-0-directors-officers-entity-liability-insurance.html). Chubb; Opening description: D&O and Entity Liability for smaller privately held companies; listed coverage features. Accessed 2026-09-16. 14. [Management Liability Insurance](https://www.chubb.com/us-en/business-insurance/management-liability.html). Chubb; Public, private/not-for-profit and financial-institution management liability products; fiduciary, crime, kidnap/ransom, workplace violence and employment practices. Accessed 2026-09-16. 15. [Commercial Property Insurance](https://www.chubb.com/us-en/business-insurance/property-product.html). Chubb; Monoline, multi-line and large/complex property offerings; technology listed among served industries; Risk Consulting. Accessed 2026-09-16. 16. [Umbrella & Excess Casualty Insurance](https://www.chubb.com/us-en/business-insurance/umbrella-excess-casualty.html). Chubb; Umbrella and excess for smaller through multinational accounts; Express Umbrella portal for appointed brokers. Accessed 2026-09-16. 17. [Commercial Auto Insurance](https://www.chubb.com/us-en/business-insurance/chubb-commercial-auto.html). Chubb; Commercial auto product; technology among served industries. Accessed 2026-09-16. 18. [Customarq Package Insurance Policy](https://www.chubb.com/us-en/business-insurance/customarq-package-policy.html). Chubb; Midsize package combining property and liability; supporting excess, cyber, cargo, workers’ compensation and commercial auto. Accessed 2026-09-16. 19. [Lower Midmarket Insurance Solutions](https://www.chubb.com/us-en/agents-brokers/campaigns/lower-middle-market-business-insurance.html). Chubb; Agent-facing lower-midmarket suite including Benchmarq package, financial lines, cyber on Marketplace, surety; technology among appetite SIC codes; quoting through issuance, servicing and renewals. Accessed 2026-09-16. 20. [Environmental Insurance Coverage & Services](https://www.chubb.com/us-en/business-insurance/environmental.html). Chubb; Premises and contractor pollution, TankSafe, GL Plus combining CGL with products and premises pollution and supported umbrella. Accessed 2026-09-16. 21. [Inland Marine Insurance](https://www.chubb.com/us-en/business-insurance/inland-marine.html). Chubb; Inland marine policy overview; builders’ risk, contractors equipment and related tools. Accessed 2026-09-16. 22. [Builders' Risk Insurance](https://www.chubb.com/us-en/business-insurance/builders-risk-insurance.html). Chubb; Builders’ risk coverage list and target clients; agent submission requirements. Accessed 2026-09-16. 23. [Equipment Breakdown Insurance](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html). Chubb; Monoline and package equipment-breakdown coverage; electronics among target clients. Accessed 2026-09-16. 24. [Worldwide Ocean Cargo Insurance](https://www.chubb.com/us-en/business-insurance/worldwide-ocean-cargo-insurance.html). Chubb; Ocean, air and overland cargo coverages; agent submission path. Accessed 2026-09-16. 25. [Surety Bonds](https://www.chubb.com/us-en/surety.html). Chubb; Construction, commercial, transactional and international surety; footer identifying Chubb as marketing name and ACE American as an issuing company; products may not be available in all states. Accessed 2026-09-16. 26. [Chubb Recall Plus For Consumer Goods](https://www.chubb.com/us-en/business-insurance/recall-plus-for-consumer-goods.html). Chubb; Recall Plus for Consumer Goods introduction; limits; Client Profile, including electronics among target finished products; Restricted Classes. Accessed 2026-09-16. 27. [Multinational Insurance Coverage And Solutions For Large Accounts](https://www.chubb.com/us-en/business-insurance/multinational-for-large-companies.html). Chubb; Core and specialty coverages, including Specialty Coverage: Representations & Warranties, inland marine, professional liability and ESIS; large US and Canadian multinational companies; Worldview servicing platform; work with clients and brokers. Accessed 2026-09-16. 28. [Excess And Surplus Insurance (E&S Insurance)](https://www.chubb.com/us-en/business-insurance/excess-surplus.html). Chubb; Westchester E&S portfolio; Westchester Fire admitted description; Westchester Surplus Lines eligible in 49 states; paper including Illinois Union and ACE companies. Accessed 2026-09-16. 29. [Get Access To Chubb](https://www.chubb.com/us-en/agents-brokers/get-chubb-access.html). Chubb; Direct appointments for independent agents and brokers; competitive commissions; 200+ products. Accessed 2026-09-16. 30. [Contact Chubb](https://www.chubb.com/us-en/contact.html). Chubb; Agent as first contact; claims numbers including cyber; Small Business policy service and Marketplace technical support; Federal Insurance Company and ACE American claims contacts. Accessed 2026-09-16. 31. [Chubb Insurance In The U.S.](https://www.chubb.com/us-en/contact-us.html) Chubb; Personal Lines find-an-agent; Small Business quote inquiries directed to chubbsmallbusiness.com; commercial agent callback 1-800-682-4822. Accessed 2026-09-16. 32. [Chubb Claims](https://www.chubb.com/us-en/claims.html). Chubb; 24/7 claims contact center; client-satisfaction figure for clients with a paid claim; North America claims staffing figure. Accessed 2026-09-16. 33. [Report A Claim](https://www.chubb.com/us-en/claims/report-claim.html). Chubb; Phone and email first-notice contacts including small commercial, cyber, financial lines and workers’ compensation. Accessed 2026-09-16. 34. [Online & Mobile Claims Tools](https://www.chubb.com/us-en/claims/online-mobile-tools.html). Chubb; Small Commercial Business client portal claim reporting and document upload; access may be limited for policies underwritten by certain Chubb companies. Accessed 2026-09-16. 35. [About Chubb In The U.S.](https://www.chubb.com/us-en/about-chubb-in-the-us.html) Chubb; U.S. executive leadership and 44 branch locations. Accessed 2026-09-16. 36. [Chubb Company License Information](https://www.chubb.com/content/dam/aem-chubb-global/static-pages/valuablesxs/documents/licensinginformation.pdf). Chubb; Federal Insurance Company (Indiana NAIC 20281) admitted P&C in all 50 states; ACE American (Pennsylvania NAIC 22667) admitted P&C in all 50 states; Westchester Surplus Lines Insurance Company eligible/approved surplus lines outside Georgia domicile. Accessed 2026-09-16. 37. [Chubb Insurance Solutions Agency License Information](https://prs-portalassets.chubb.com/chubbaccess/Agency%20License%20Information%20link.pdf). Chubb; Statement that Chubb Insurance Solutions Agency is licensed in all 50 states; resident NJ license 2853751; California license 969601. Accessed 2026-09-16. 38. [Chubb New York Region Appointment Materials](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/campaign/pdfs/55010055_NewYork-2022-24-05.pdf). Chubb; Chubb Access appointments administered by Chubb Insurance Solutions Agency, Inc.; surplus lines sold only through licensed surplus lines producers; products may not be available in all states. Accessed 2026-09-16. 39. [Chubb Limited Form 10-K For The Year Ended 31 December 2025](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-20251231.htm). U.S. Securities and Exchange Commission / Chubb Limited; Item 1 Business: Swiss-incorporated holding company headquartered in Zurich; global insurance and reinsurance organization; operations in 54 countries and territories; commercial P&C including D&O and specialty casualty. Accessed 2026-09-16. 40. [Chubb Limited Exhibit 21.1 Subsidiaries](https://www.sec.gov/Archives/edgar/data/896159/000089615926000005/cb-12312025xex211.htm). U.S. Securities and Exchange Commission / Chubb Limited; ACE American Insurance Company; Federal Insurance Company group companies; Chubb Excess and Surplus Insurance Services Inc. (California); Chubb INA Holdings LLC. Accessed 2026-09-16. 41. [California Company Profile: Federal Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=2652&event=companyProfile). California Department of Insurance; NAIC 20281; California Company ID 0059-6; date authorized 12/18/1902; license status Unlimited-Normal; company type Property & Casualty; domicile Indiana; NAIC Group 0626 Chubb Ltd Grp. Accessed 2026-09-16. 42. [California Company Profile: ACE American Insurance Company](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3270&event=companyProfile). California Department of Insurance; NAIC 22667; California Company ID 1325-0; date authorized 12/20/1945; license status Unlimited-Normal; company type Property & Casualty; domicile Pennsylvania; NAIC Group 0626 Chubb Ltd Grp. Accessed 2026-09-16. 43. [California NAIC Group List: Chubb Ltd Grp 0626](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getGroupList&event=companyProfile&naicGroupNumber=0626). California Department of Insurance; Group roster including Federal Insurance Company, ACE American Insurance Company, Chubb National Insurance Company, Westchester Fire Insurance Company and other Chubb-group companies with California IDs. Accessed 2026-09-16. ### [Hiscox Official Website](https://www.hiscox.com/small-business-insurance) 44. [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. 45. [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. 46. [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. 47. [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. 48. [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. 49. [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. 50. [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. 51. [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. 52. [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. 53. [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. 54. [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. 55. [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. 56. [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. 57. [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. 58. [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. 59. [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. 60. [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. 61. [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. 62. [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. 63. [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. 64. [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. 65. [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. 66. [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. 67. [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. 68. [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. 69. [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. 70. [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. 71. [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. 72. [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/chubb-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)