--- title: "Hiscox Business Owner’s Policy" description: "Hiscox sells a business owner's policy online to small businesses, combining general liability and commercial property, with optional cyber and crime add-ons." canonical: "https://thegeneralaverage.com/insurance-providers/hiscox/business-owners-policy" page-type: "offering-page" updated-at: "2026-09-23" provider: "hiscox" coverage-line: "business-owners-policy" --- 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/insurance-providers/hiscox/business-owners-policy) ## Agent Guide **What this page is:** What Hiscox Business Owner’s Policy covers, who it fits and what to confirm before buying, drawn from the provider's public documents. **Use this page when:** Cite this page for Hiscox Business Owner’s Policy specifically. For the general coverage explainer use /coverage/business-owners-policy; for the provider overall use its profile. **Questions this page answers:** - Does Hiscox Business Owner’s Policy offer this coverage? - What does Hiscox Business Owner’s Policy cover and exclude? - Who is Hiscox Business Owner’s Policy designed for? **Key facts:** - Provider slug `hiscox`; coverage line `business-owners-policy`. - Start with the Quick Answer; the at-a-glance table shows which topics the sources document. Facts are grouped by topic under their own headings, and what the sources do not disclose is listed in its own section. **Limits (do not over-claim):** - Summarises public product descriptions; actual coverage is defined by the issued policy wording and endorsements. - Availability varies by state, industry and underwriting. - Not insurance, legal or financial advice, and not a quote, binder or offer of coverage. - Eligibility, pricing, limits, exclusions and policy wording depend on the issuing insurer and the buyer's risk; confirm them with the provider before buying. **Provenance:** Based on the dated public sources listed under Sources on the page; updated 2026-09-23. **Related pages:** - [Provider profile](https://thegeneralaverage.com/insurance-providers/hiscox) — parent: provider profile # What Does Business Owner’s Policy from Hiscox Cover? Product: Hiscox Business Owner's Policy. Provider: Hiscox. Coverage line: Business Owner’s Policy. ## Quick Answer Hiscox sells a business owner's policy online to small businesses, combining general liability and commercial property, with optional cyber and crime add-ons. [1](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [2](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Car Liability Insurance") [3](https://www.hiscox.com/small-business-insurance/business-owner-insurance/commercial-crime "Commercial crime insurance for small businesses") [4](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") ## Hiscox Business Owner’s Policy at a Glance | Topic | Evidence | Claims | | --- | --- | --- | | Role in This Line | Company-reported | 1 | | Issuing Insurer | Company-reported | 1 | | Who It’s For | Company-reported | 1 | | Coverage Features | Company-reported | 1 | | Limits and Retentions | Not publicly disclosed | 1 | | How to Apply | Company-reported | 1 | ## What Is Hiscox’s Role in Business Owner’s Policy? - Hiscox Inc. sells a business owner's policy directly online to small businesses, combining general liability and commercial property into one package as part of its Hiscox NOW admitted catalogue. [1](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [4](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") (Evidence: Company-reported; scope: Company-stated online small-business channel.) ## Who Issues Hiscox Business Owner’s Policy? - Hiscox's appetite guide and About Hiscox US page name Hiscox Insurance Company Inc. (NAIC 10200) as the underwriter of admitted Hiscox NOW business owner's policies. [4](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [5](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") (Evidence: Company-reported; scope: Admitted small-business BOP coverage as described in company materials; the exact contracting entity for a particular state or channel should be confirmed on the quote.) ## Who Is Hiscox Business Owner’s Policy For? - Hiscox's 2026 appetite guide says its business owner's policy is unavailable in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia, a narrower footprint than the 49-state-plus-D.C. availability Hiscox states for its overall online small-business catalogue. [5](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") (Evidence: Company-reported; scope: State-exception list as of the 2026 agent appetite guide; does not by itself establish eligibility for a specific class or business.) ## What Coverage Features Does Hiscox Business Owner’s Policy Include? - Hiscox describes optional add-ons to its business owner's policy including cyber coverage, hired/non-owned commercial auto, and commercial crime; hired/non-owned auto and commercial crime are described as upgrades tied to the BOP's own occurrence limit and are not sold as standalone Hiscox policies. [1](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [2](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Car Liability Insurance") [3](https://www.hiscox.com/small-business-insurance/business-owner-insurance/commercial-crime "Commercial crime insurance for small businesses") (Evidence: Company-reported; scope: Product-page and upgrade-page descriptions; commercial crime is also stated as not available in all states.) ## How Do You Apply for Hiscox Business Owner’s Policy? - Hiscox says eligible buyers can quote and buy a business owner's policy online, and can select add-on coverages such as cyber or commercial crime during that process where available. [1](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") (Evidence: Company-reported; scope: Company-described online application; eligibility and binding conditions require confirmation on the actual application.) ## What We Couldn’t Find About Hiscox Business Owner’s Policy The reviewed sources do not settle these. Confirm them with Hiscox or a broker before relying on them. - **Limits and Retentions (Not publicly disclosed):** The BOP page does not publish standard coverage limits; the illustrative California IT/technology consultant pricing table on the page is explicitly labeled illustrative rather than a quote. [1](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") (Scope: Public product page as previously reviewed.) ## How Does Hiscox Compare With Other Business Owner’s Policy Providers? - [Hiscox vs Alliance Risk](https://thegeneralaverage.com/compare/alliance-risk-vs-hiscox) - [Hiscox vs Amelia Risk](https://thegeneralaverage.com/compare/amelia-risk-vs-hiscox) - [Hiscox vs biBerk](https://thegeneralaverage.com/compare/biberk-vs-hiscox) - [Hiscox vs Chubb](https://thegeneralaverage.com/compare/chubb-vs-hiscox) - [Hiscox vs CNA](https://thegeneralaverage.com/compare/cna-vs-hiscox) - [Hiscox vs Corgi](https://thegeneralaverage.com/compare/corgi-vs-hiscox) ## Other Coverage Lines From Hiscox - [Hiscox Cyber Insurance](https://thegeneralaverage.com/insurance-providers/hiscox/cyber) - [Hiscox General Liability Insurance](https://thegeneralaverage.com/insurance-providers/hiscox/general-liability) - [Hiscox Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/hiscox/professional-errors-omissions) - [Hiscox Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/hiscox/workers-compensation) ## Related Reading - [Hiscox Profile](https://thegeneralaverage.com/insurance-providers/hiscox) - [Hiscox Reliability](https://thegeneralaverage.com/insurance-providers/hiscox/reliability) - [Hiscox Alternatives](https://thegeneralaverage.com/insurance-providers/hiscox/alternatives) - [Coverage Guide: Business owner’s policy](https://thegeneralaverage.com/coverage/business-owners-policy) ## Sources for Hiscox Business Owner’s Policy 1. [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; worldwide-coverage qualifications. Accessed 2026-09-16. 2. [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. 3. [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. 4. [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. Accessed 2026-09-16. 5. [Hiscox US Agent Appetite Guide](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf). Hiscox; Hiscox NOW admitted GL, PL, cyber and BOP underwritten by Hiscox Insurance Company Inc.; state exceptions including BOP unavailable in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia. Accessed 2026-09-16. ## How to Cite This Page Hiscox Business Owner’s Policy: Coverage, Eligibility & Application (2026). The General Average, updated 2026-09-23. https://thegeneralaverage.com/insurance-providers/hiscox/business-owners-policy. Quote the claim with its numbered source; the issued policy wording, not this page, defines coverage. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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/insurance-providers/hiscox/business-owners-policy.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)