What Are the Alternatives to Hiscox Business Insurance?
Hiscox suits eligible small businesses seeking online general liability, professional liability, cyber or BOP quotes; firms needing specialty coverage outside that online range should compare brokers.
What Should You Weigh When Choosing an Alternative to Hiscox?
Hiscox Inc. is a licensed insurance intermediary and general agent, not the insurer; the affiliated Hiscox Insurance Company Inc. is named as the underwriter for admitted Hiscox NOW products like general liability, professional liability, cyber and a business owner’s policy. Confirming which entity is on the actual policy is worth doing with Hiscox or any alternative operating through a similar intermediary-and-affiliated-insurer structure. 1,2
Several coverages Hiscox lists are actually underwritten and delivered by separate partner companies: workers’ compensation by Hartford Fire Insurance, commercial auto by referral to GEICO and affiliates or through CyberPolicy, medical malpractice through NOW Insurance (which Hiscox says is not affiliated with the Hiscox group), and short-term liability through Thimble, underwritten by Markel Insurance Company. The issuing insurer on any of these should be confirmed rather than assumed to be Hiscox Insurance Company Inc. 4,5,6,7
Hiscox says it’s currently licensed to offer small-business insurance in 49 states and the District of Columbia, with coverage unavailable in Alaska, and its Hiscox NOW appetite guide separately says the business owner’s policy is unavailable in several additional states, including Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia. A broker-facing management-liability product also says it’s no longer entertaining risks in the metro areas of California, so state and class availability is worth checking against an alternative’s own coverage area. 3,8,9
Hiscox’s general liability page says buyers can pay annually or monthly with no additional fees, but the reviewed public and agent appetite materials don’t publish a buyer-facing commission, producer-fee or contingent-commission schedule, and the appetite guide notes that actual cost, commission and premium may vary with underwriting. Requesting an itemized total and any compensation disclosure is worth doing with Hiscox or any alternative. 10,8,1
Hiscox Alternatives for Business Owner’s Policy
Alliance Risk arranges business owner’s policies.
5.8Amelia Risk arranges business owner’s policies for startups.
5.1Chubb offers business owner’s policies for eligible small businesses with up to $30 million in revenue.
6.4Corgi lists a business owner’s policy in its coverage catalog.
Coterie offers a business owner’s policy through its agent channel.
5.1Coverdash lists a business owner’s policy in its coverage hub.
5.1Embroker lists a business owner’s policy with a quote route.
5.1ERGO NEXT markets a business owner’s policy.
5.8Foxquilt’s About page lists Business Owner’s Policy among “Our Primary Coverages”; no current BOP-specific terms or bundled contents are established here.
Gallagher arranges business owner’s policies for small businesses.
5.5Harper accepts business owner’s policy inquiries through its coverage intake.
5.9Heffernan arranges business owner’s policies for small businesses.
5.0HUB International arranges business owner’s policies for small and midsized businesses.
5.5Insureon markets Business Owner’s Policy (BOP); description does not establish insurer, policy terms, or individual availability.
Kinro lists a business owner’s policy in its product catalog.
5.0Mylo lists a business owner’s policy among its business insurance products.
5.0Nationwide markets a BOP for eligible small businesses and describes property and liability elements with optional additions; actual coverage is controlled by policy forms.
Pie accepts business owner’s policy quote requests.
5.8TechInsurance arranges business owner’s policies for small businesses.
5.0The Hartford offers business owner’s policies combining property and liability coverage.
7.3Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Travelers offers business owner’s policies for small technology-services businesses.
6.1
Hiscox Alternatives for Cyber Insurance
AIG CyberEdge family (CyberEdge, CyberEdge Plus and CyberEdge PC kept distinct)
Alliance Risk arranges cyber liability insurance.
5.8Amelia Risk arranges cyber insurance.
5.1Aon describes cyber insurance and related brokerage, analytics and claims support; confirm the producing entity, insurer, jurisdiction and policy terms for a U.S. placement.
6.7At-Bay offers primary and excess cyber insurance for businesses with revenue up to $5 billion.
6.2Beazley offers cyber insurance for small and midsized businesses.
6.2BHSI markets a U.S. Network Security & Privacy product with third-party breach, response-expense and network-interruption features; its Professional First overview also describes stand-alone Cyber and blended E&O/Cyber forms. Product form, eligibility, terms and issuer depend on the risk and policy.
7.0CFC offers cyber insurance, including primary and excess products.
Chubb offers cyber insurance.
6.4Coalition offers cyber insurance.
6.2Corgi lists cyber insurance among its business insurance offerings.
Coverdash lists cyber insurance in its coverage catalog.
5.1Cowbell offers standalone and excess cyber products through its insurance-agency business.
6.3Embroker lists cyber insurance with a quote route.
5.1Founder Shield lists cyber liability among its core offerings.
5.3Cyber product page; policy terms and limits not established.
Gallagher arranges cyber insurance.
5.5Harper lists cyber insurance and describes approaching insurers for customers.
5.9Heffernan arranges cyber insurance.
5.0HUB International arranges cyber insurance.
5.5Insureon markets Cyber Insurance; description does not establish insurer, policy terms, or individual availability.
Kinro lists cyber liability and compares business details with carrier appetite.
5.0Lockton arranges cyber insurance.
5.6Markel Cyber 360
7.1Marsh arranges cyber insurance.
5.6Mylo invites cyber insurance quote requests and compares policies from multiple insurers.
5.0Nationwide markets cyber liability and data-breach insurance to business customers; quote and policy terms determine eligibility and coverage.
Newfront places cyber insurance, negotiates policy wording and provides claims consultation.
5.0Pie provides access to cyber insurance quotes from carrier partners.
5.8Relm lists cyber insurance for placement through brokers.
Resilience markets cyber insurance on a primary or excess basis.
5.0RiskCube arranges cyber insurance for startups.
5.9Risklytics arranges cyber insurance for robotics, hardware and AI businesses.
5.4Add-on for select buyers purchasing another business policy; phone quote route.
StartupInsurance.ai arranges cyber insurance for startups.
4.9TechInsurance arranges cyber insurance for small businesses.
5.0Listed for named commercial sectors; Baldwin separately describes cyber risk guidance and market/partner access.
The Hartford offers cyber insurance and data-breach coverage.
7.3Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Travelers offers cyber insurance through CyberRisk Tech for technology and life-sciences companies.
6.1USI arranges cyber insurance.
5.3Vouch lists cyber liability in its technology-company programs.
5.0WithCoverage reviews cyber exposures in technology-company insurance programs and offers broker-transition support.
5.0WTW describes cyber protection within its Digital Infrastructure Protector data-center solution, and its 2024 annual report describes cyber insurance solutions as a global group capability. Neither source establishes current standalone U.S. terms or eligibility.
7.0Zurich markets cyber insurance for businesses; cover and policy form depend on the selected product.
Hiscox Alternatives for General Liability Insurance
AIG Programs general liability (three separate program scopes)
Alliance Risk arranges general liability insurance.
5.8Amelia Risk arranges general liability insurance.
5.1Aon lists general liability within construction liability coverage areas in its global construction practice; this does not establish a standalone or U.S.-available line.
6.7Beazley offers general liability insurance in packages such as its environmental-services policy.
6.2BHSI lists primary general liability, with contractor and pollution features described in its casualty materials.
7.0CFC offers general liability within its property and casualty product.
Chubb offers general liability insurance within its commercial package products.
6.4Corgi lists commercial general liability among its business insurance offerings.
Coterie offers general liability policies for small businesses through its partner distribution.
5.1GL is described as a companion/package component with miscellaneous professional and lawyers liability; this does not establish broad standalone CGL.
Coverdash lists general liability in its Core Business coverage catalog with a quote route.
5.1Embroker offers a general liability quote route among its individual business coverages.
5.1ERGO NEXT offers online general liability quotes and purchasing for eligible businesses.
5.8Founder Shield lists general liability among its core coverage offerings.
5.3Company CGL product page; line-specific CGL membership only.
Gallagher arranges general liability insurance for small businesses.
5.5Harper lists general liability in its business-insurance services and quote inquiry.
5.9Heffernan arranges general liability insurance.
5.0HUB International arranges general liability insurance.
5.5Insureon markets General Liability; description does not establish insurer, policy terms, or individual availability.
Kinro lists general liability and compares available carrier options.
5.0Lockton arranges general liability insurance.
5.6Markel small-business casualty and property
7.1Marsh arranges general liability insurance, including for data centers.
5.6Mylo compares general liability quotes from insurance carriers and also offers package options.
5.0Nationwide lists general liability in its professional-office package description and BOP materials; this establishes marketing only, not standalone availability or policy scope.
Newfront includes general liability in its casualty placement services.
5.0Pie arranges general liability insurance through unaffiliated third-party insurers.
5.8Relm lists general liability insurance for placement through brokers.
RiskCube arranges general liability insurance for startups.
5.9Risklytics arranges general liability insurance for robotics, hardware and AI businesses.
5.4StartupInsurance.ai arranges general liability insurance for startups.
4.9TechInsurance arranges general liability insurance for small businesses.
5.0Listed as general liability for professional-services clients and as a consideration for other named business sectors.
The Hartford offers general liability insurance.
7.3Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Travelers offers general liability insurance.
6.1USI arranges general liability insurance.
5.3Vouch lists general liability among the core coverages in its technology-company programs.
5.0WithCoverage includes general liability in its insurance-program reviews, for example for construction and restaurant businesses.
5.0Zurich’s U.S. catalogue describes commercial general liability protection for business bodily injury, property damage and personal injury claims.
Hiscox Alternatives for Professional Liability (E&O) Insurance
AIG entity-based Professional Liability / Specialty Professional E&O
Alliance Risk arranges professional liability insurance.
5.8Amelia Risk arranges professional errors and omissions insurance for startups.
5.1Aon describes professional-liability/E&O services for law, accounting and consulting firms; a U.S. placement and any separate technology E&O terms remain to be confirmed.
6.7At-Bay offers primary miscellaneous professional liability insurance.
6.2Beazley offers professional errors and omissions insurance through MediaTech for small technology and business-services companies.
6.2Professional First materials describe a professional-liability portfolio with several professions and service types.
7.0CFC offers professional liability insurance for professional-service businesses.
Chubb offers professional errors and omissions insurance through Pro ERM for non-licensed professional-service firms.
6.4currently marketed Miscellaneous Professional Liability and Epack 3 professional-liability component
Coalition offers miscellaneous professional liability as an addition to eligible Active Cyber policies.
6.2Corgi lists miscellaneous errors and omissions coverage for service-based businesses.
Coterie lists miscellaneous professional liability for eligible small businesses in participating states.
5.1Several separately scoped professional-liability programs; do not generalize terms across professions.
Coverdash lists professional liability in its Professional & Management catalog, separately from technology errors and omissions.
5.1Embroker lists professional liability (errors and omissions) for professional services, separately from lawyers professional liability and technology errors and omissions.
5.1ERGO NEXT lists professional liability insurance, also called errors and omissions insurance.
5.8Founder Shield lists errors and omissions for lawsuits alleging inferior work or service.
5.3Professional E&O product page.
Gallagher arranges professional errors and omissions insurance for small businesses.
5.5Harper includes professional liability in its coverage directory and quote intake as claims about work or advice.
5.9Heffernan arranges professional errors and omissions insurance for small businesses.
5.0HUB International arranges professional errors and omissions insurance.
5.5Insureon markets Professional Liability (E&O); description does not establish insurer, policy terms, or individual availability.
Kinro lists professional liability (errors and omissions) for claims tied to professional advice, errors, omissions or service mistakes.
5.0Lockton arranges professional errors and omissions insurance.
5.6Markel ProBiz miscellaneous E&O
7.1Marsh arranges professional errors and omissions insurance.
5.6Mylo compares professional liability quotes for claims from clients unhappy with professional services.
5.0Nationwide markets professional E&O for professional-service exposures. This does not establish technology E&O or any particular profession’s acceptance.
Newfront lists errors and omissions among its executive-risk coverage services.
5.0Pie Insurance arranges professional errors and omissions insurance for small businesses through third-party insurers.
5.8Relm lists professional errors and omissions insurance for placement through brokers.
StartupInsurance.ai arranges professional errors and omissions insurance for startups.
4.9TechInsurance arranges professional errors and omissions insurance for small businesses.
5.0Listed as professional liability/E&O for professional-services and government-contractor audiences.
The Hartford offers professional liability insurance for service businesses.
7.3Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Travelers offers professional errors and omissions insurance.
6.1USI arranges professional errors and omissions insurance.
5.3Vouch lists errors and omissions among the core coverages in its professional-services programs.
5.0WithCoverage includes errors and omissions in its technology insurance-program review services.
5.0WTW markets financial-lines solutions, including errors and omissions, for residential real-estate stakeholders. Individual terms, insurer and placement eligibility are not established.
7.0Zurich markets professional errors and omissions insurance.
Hiscox Alternatives for Workers’ Compensation Insurance
AIG Workers’ Compensation options by distinct channel
Alliance Risk arranges workers’ compensation insurance.
5.8Amelia Risk arranges workers’ compensation insurance.
5.1Aon lists workers compensation among global construction coverage areas; this does not establish state availability or a placement.
6.7Chubb offers workers’ compensation insurance for small businesses, from one employee up to $30 million in revenue, including technology companies.
6.4Corgi lists workers’ compensation insurance.
Coverdash lists workers’ compensation insurance.
5.1Embroker arranges workers’ compensation insurance.
5.1ERGO NEXT offers workers’ compensation insurance for small businesses.
5.8Founder Shield lists workers’ compensation insurance.
5.3Workers’ compensation page; state requirements vary.
Gallagher arranges workers’ compensation insurance for small businesses.
5.5Harper arranges workers’ compensation insurance.
5.9Heffernan arranges workers’ compensation insurance.
5.0HUB International arranges workers’ compensation insurance.
5.5Insureon markets Workers’ Compensation; description does not establish insurer, policy terms, or individual availability.
Kinro arranges workers’ compensation insurance and reviews state, payroll and class-code questions.
5.0Lockton arranges workers’ compensation insurance.
5.6Markel Workers Compensation
7.1Marsh McLennan Agency (MMA), a Marsh business, arranges workers’ compensation insurance.
5.6Mylo compares workers’ compensation options from insurers.
5.0Nationwide markets workers’ compensation and describes state-variable benefits and services. State law, policy, and employer eligibility govern.
Newfront arranges workers’ compensation insurance through its casualty practice.
5.0Pie Insurance offers workers’ compensation insurance for small businesses.
5.8Risklytics arranges workers’ compensation insurance for robotics, hardware and AI businesses.
5.4StartupInsurance.ai arranges workers’ compensation insurance for startups.
4.9TechInsurance arranges workers’ compensation insurance for small businesses.
5.0Listed for named commercial sectors; Baldwin’s dedicated page describes workers’ compensation program and services.
The Hartford offers workers’ compensation insurance.
7.3Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Travelers offers workers’ compensation insurance.
6.1USI arranges workers’ compensation insurance.
5.3Vouch lists workers’ compensation among core coverages for technology companies.
5.0WithCoverage arranges workers’ compensation insurance, for example for construction and restaurant businesses.
5.0Zurich markets workers’ compensation insurance.
10 documents, numbered as cited. Open the sources