GeneralAverage

Counterpart vs Hiscox: How Do They Compare for Business Insurance?

Counterpart describes quote entry whose binding route remains unclear; Hiscox describes online quote entry. Compare their documented roles and service routes, then confirm the insurer and terms for your quote.

An Overview of Counterpart and Hiscox

Counterpart and Hiscox describe different quote routes: quote entry whose binding route remains unclear and online quote entry. This comparison helps you match the documented process and business focus to the risk you are placing; it does not determine eligibility or policy terms. 6 33

What Stands Out About Counterpart and Hiscox?

Counterpart at a Glance

  • Counterpart lists private-company and nonprofit D&O, employment practices, fiduciary, crime, professional and lawyers liability, among other lines. 1,9,10,11,12,13,14,15,16,17Company-reported. Current site marketing catalogue checked September 29, 2026. Marketing membership is separate from acceptance of a three-claim line-comparison offering.
  • Counterpart’s dashboard shows broker submission statuses from in progress through underwriting review and quote. 7Company-reported. Company-described broker workflow in a July 2025 article; not independently tested.

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. 22,21Company-reported. 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.
  • Eligible buyers can quote Hiscox general liability, professional liability/E&O, cyber and a business owner’s policy online. 33,24,25,26,27,19Company-reported. Current Hiscox small-business product and quote pages. Names establish marketed Hiscox NOW-style products, not limits, retroactive dates, exclusions or class eligibility.

Counterpart vs Hiscox Coverage Lines Compared

CoverageCounterpartHiscox
Business owner’s policyNot listedListed 27Hiscox offers business owner’s policies for small businesses.
CrimeListed 13Named Commercial Crime product; confirm agreements, controls, limits and exclusions in the policy.Not listed
Cyber liabilityNot listedListed 26,19Hiscox offers cyber insurance for small businesses.
Directors and officersListed 9,10Distinct private-company and nonprofit D&O product pages; class and insurer vary by placement.Not listed
Employment practices liabilityListed 11Named Employment Practices Liability product; examples and policy terms govern.Not listed
Fiduciary liabilityListed 12Named Fiduciary Liability product for benefit-plan exposures; law and policy terms govern.Not listed
General liabilityListed 14,17GL is described as a companion/package component with miscellaneous professional and lawyers liability; this does not establish broad standalone CGL.Listed 24Hiscox offers general liability insurance for small businesses.
Medical malpracticeListed 15Allied healthcare liability for named classes; not universal conventional malpractice.Not listed
Professional errors and omissions (E&O)Listed 14,16,15,17Several separately scoped professional-liability programs; do not generalize terms across professions.Listed 25,19Hiscox offers professional errors and omissions insurance for small businesses.
Workers’ compensationNot listedListed 28Hiscox provides access to workers’ compensation underwritten by Hartford Fire Insurance Company and requires a general liability policy.

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.

Counterpart and Hiscox Coverage, Line by Line

Open what Counterpart and Hiscox each document for one coverage line.

Counterpart and Hiscox Reliability Scores

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

Counterpart and Hiscox Review Scores for 2026

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

Counterpart Review Score

-/ 10

Review Score

No reviews found

We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.

Read Counterpart reviews

Hiscox Review Score

6.3/ 10

Review Score

4 rated sources

Hiscox’s review results are sharply divided: low Trustpilot and ConsumerAffairs scores contrast with strong Feefo feedback. Service quality deserves closer scrutiny before purchase.

Read Hiscox reviews

Key Differences Between Counterpart and Hiscox

Business Fit and Roles

Counterpart says its U.S. products are offered by its wholly owned subsidiary, Counterpart Insurance Services, Inc., which it identifies as a licensed producer and surplus-lines broker. The company says the issuing carrier is responsible for policy obligations. 3Company-reported. Provider-published U.S. distribution disclosure; this does not rule out an additional delegated program role.

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. 22,21Company-reported. 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.

The buyer starting points differ. Counterpart's published material says: Counterpart describes management and professional liability products for small businesses and presents both brokers and small businesses as audiences. 1 Hiscox's published material says: Small professional and service firms, including IT consultants, can request Hiscox small-business coverage; startups may qualify depending on class, revenue and underwriting. 18 Use those descriptions to decide whose underwriting conversation to start; neither one establishes eligibility for your business.

The distinction matters when you need to know who receives the submission, which licensed intermediary can place the risk, and whose name appears as the insurer. Ask both providers to identify the producer, any program or managing entity, and the legal policy issuer for the exact quote; brand-level descriptions do not assign those roles to every policy. 3 22

Getting a Quote

A February 2025 Counterpart help article describes a wholesale-broker referral route. Its current homepage also shows “Quote Online,” but we couldn’t confirm whether the current path is broker-assisted or lets a buyer quote, purchase or bind directly. 6,1,5Conflicting sources. Older dated directions conflict with or leave an ambiguity beside a current digital quote CTA; no form or transaction was tested.

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. 33,24,18Company-reported. 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.

The published application descriptions do not establish that your business can complete a quote or bind online. Before comparing convenience, confirm who submits the application, whether an appointed producer is required, what information underwriting needs, and which signed documents or conditions must be satisfied before coverage starts. 6 33

Service After Binding

Counterpart says brokers can renew professional-liability accounts in a few clicks and can speak with profession-specialized underwriters. This is not a measured renewal time or a promise of automatic, guaranteed or direct insured renewal. 8Company-reported. Company-described professional-liability broker service.

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. 35,36Company-reported. Company-described self-service as of the manage-policy and certificate pages. Partner-issued policies may use different servicing portals.

Compare the named post-bind contact for certificates, policy changes, renewal questions and claim reporting. A digital account or claim-notice route can help with administration, but it does not decide coverage or establish a claim outcome; get the applicable service contacts and notice deadlines with the proposed policy. 8 35

What Should You Confirm in Counterpart and Hiscox Quotes?

  • Which legal insurer will appear on the declarations, and which licensed producer or intermediary is responsible for placing this specific product? 3 22

  • Does the application route require an appointed broker, a broker-submitted form, or a direct business-owner application, and what event makes coverage effective? 6 33

  • For each line you need, what limits, retentions, exclusions, defense terms and endorsements appear in the proposed form, and which service contact handles renewals, changes and claim notices? 8 35

Counterpart vs Hiscox Services Compared

What each provider documents about the services you may need

CriteriaCounterpartHiscox
Business role

Counterpart says its U.S. products are offered by its wholly owned subsidiary, Counterpart Insurance Services, Inc., which it identifies as a licensed producer and surplus-lines broker. The company says the issuing carrier is responsible for policy obligations. 3Company-reported. Provider-published U.S. distribution disclosure; this does not rule out an additional delegated program role.

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. 22,21Company-reported. 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.

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. 23,40,28,22Company-reported. 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.

Application process

A February 2025 Counterpart help article describes a wholesale-broker referral route. Its current homepage also shows “Quote Online,” but we couldn’t confirm whether the current path is broker-assisted or lets a buyer quote, purchase or bind directly. 6,1,5Conflicting sources. Older dated directions conflict with or leave an ambiguity beside a current digital quote CTA; no form or transaction was tested.

Counterpart says its dashboard shows broker-submission statuses from in progress through underwriting review and quote; its article says binding requires a signed application and any required subjectivities. 7Company-reported. Company-described broker workflow in a July 2025 article; not independently tested.

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. 33,24,18Company-reported. 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.

Servicing and renewals

Counterpart says brokers can renew professional-liability accounts in a few clicks and can speak with profession-specialized underwriters. This is not a measured renewal time or a promise of automatic, guaranteed or direct insured renewal. 8Company-reported. Company-described professional-liability broker service.

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. 35,36Company-reported. Company-described self-service as of the manage-policy and certificate pages. Partner-issued policies may use different servicing portals.

Sources for Counterpart vs Hiscox

Counterpart Official Website

  1. Counterpart | Agentic Insurance™. Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287. Accessed 2026-09-29.
  2. About Counterpart. Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26. Accessed 2026-09-29.
  3. Licenses & Carriers. Counterpart Insurance Services, Inc.; Provider-published entity/license disclosure, carrier table, policy obligation and compensation disclosure. Source snapshot 2026-09-28. No product/state issuer map. Accessed 2026-09-28.
  4. Counterpart press articles. Counterpart press site; May 19, 2026 Series C item describes a future first-time push to retain risk through Counterpart Insurance Company; July 14, 2026 item announces excess coverage across product lines; Sep 1, 2026 item announces Lawyers Professional Liability. Accessed 2026-09-29.
  5. Counterpart application destination. Counterpart; Reached from current homepage Quote Online CTA; the page requires JavaScript and the quote app did not display. No form/account/quote/purchase/bind flow tested. Accessed 2026-09-29.
  6. How can I get insurance through Counterpart? Counterpart Knowledge Center; Purchase route lines 17–22; article dated Feb 6, 2025; wholesale referral instructions. Accessed 2026-09-28.
  7. What is my application status? Counterpart Knowledge Center; Dashboard statuses lines 17–26; article dated July 16, 2025; broker submission and signature/subjectivity requirements. Accessed 2026-09-28.
  8. Counterpart Professional Liability. Counterpart, Inc.; Broker renewals and profession-specialized underwriters, lines 72–81. Accessed 2026-09-28.
  9. Private Directors & Officers Liability Insurance. Counterpart, Inc.; Who we cover; coverage; example limits and retentions; capacity. Accessed 2026-09-28.
  10. Not-for-Profit Directors & Officers Insurance. Counterpart, Inc.; Who we cover; coverage; underwriting partners. Accessed 2026-09-28.
  11. Employment Practices Liability Insurance. Counterpart, Inc.; Eligibility; listed allegations; illustrative limits and retentions; examples. Accessed 2026-09-28.
  12. Fiduciary Liability Insurance. Counterpart, Inc.; Plan and employer eligibility; ERISA and plan administration; examples and illustrative limits. Accessed 2026-09-28.
  13. Commercial Crime Insurance. Counterpart, Inc.; Employee theft, forgery, computer/system fraud, funds-transfer and social-engineering scenarios; examples. Accessed 2026-09-28.
  14. Professional & General Liability. Counterpart, Inc.; Re-opened Sep 29: lines 4–8 MPL available alone or packaged with GL; lines 38–207 professions/examples; 208–245 industries, state availability, coverage descriptions; 251–283 services. Company marketing, not binding terms. Accessed 2026-09-29.
  15. Allied Medical & Healthcare Liability. Counterpart, Inc.; Named allied health classes, combined coverage/enhancements, limits/examples; Sep 28 source inspection. Not universal malpractice or standalone CGL. Accessed 2026-09-28.
  16. Architects, Engineers, & Contractors Liability. Counterpart, Inc.; A&E/contractor classes, services, example limits and enhancements; Sep 28 source inspection. Accessed 2026-09-28.
  17. Lawyers Professional Liability Insurance. Counterpart, Inc.; Re-opened Sep 29: rendered lines 4–8 product, 27–29 class, 236–248 company-stated U.S. reach, 250–276 services, modular limits, tech/media features and GL alongside professional coverage. Does not establish separate media/tech E&O/GL. Accessed 2026-09-29.

Hiscox Official Website

  1. Hiscox 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.
  2. IT Professional & General Liability 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.
  3. Insurance for IT Consultants. 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.
  4. About Hiscox US 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.
  5. Website Terms & Conditions 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.
  6. 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.
  7. 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.
  8. Professional Liability Insurance for Small Businesses. 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.
  9. Cyber Insurance for Small Businesses. 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.
  10. Business Owner's Policy Insurance (BOP) Coverage. 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.
  11. Workers Compensation Insurance for Small Businesses. 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.
  12. Commercial Auto Insurance for Small Businesses. 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.
  13. 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.
  14. Short-Term Liability Insurance for Small Businesses. 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.
  15. Specific Business Insurance Coverages. 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.
  16. Get A Small Business Insurance Quote. 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.
  17. Start a Business Insurance Claim Online, by Phone or Mail. 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.
  18. 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.
  19. Get a Certificate of Insurance (COI). Hiscox; Online ACORD/certificate generation using policy number and policy email address. Accessed 2026-09-16.
  20. Non-Owned Car Liability Insurance. 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.
  21. Commercial crime insurance for small businesses. Hiscox; Commercial crime as a BOP upgrade not sold separately; not available in all states. Accessed 2026-09-16.
  22. 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.
  23. Hiscox US Agent Appetite Guide. 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.
  24. Hiscox Insurance Company Inc. Company Profile. 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.
  25. Hiscox Insurance Company Inc. 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.
  26. Management Liability Insurance Executive Risks. 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.
  27. What is Professional Liability Insurance? 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.
  28. Commercial Auto Insurance for Small Businesses. 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.
  29. Specific Business Insurance Coverages. 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 . 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. To suggest a correction, email The General Average with the page URL and supporting source.

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