Amelia Risk vs 
Hiscox: How Do They Compare for Business Owner’s Policy?
Hiscox sells its BOP directly online, though it is unavailable in seven states including Florida and Ohio; Amelia Risk arranges a BOP only for startup and technology clients, with hired and non-owned auto in the bundle.
Hiscox lets you buy a BOP online and add hired auto, cyber or crime, but not in seven states including Florida and Washington. Amelia Risk has a broker place a startup or tech BOP with hired and non-owned auto already included. 1,2,10,9,6,7,8
What Are the Key Differences Between Amelia Risk and Hiscox Business Owner’s Policy?
Buying Online Versus Working With a Broker
Hiscox sells its BOP directly through its Hiscox NOW online catalogue and underwrites the policy itself, so the company you buy from also pays your claims. Amelia Risk places your BOP with an insurer it picks for you and doesn't name that insurer upfront. Choose Hiscox if you want to buy online and you're outside its excluded states; choose Amelia Risk if you're a startup or tech company that wants a broker to shop the policy. 9 10 1
Hired Auto: Included Versus an Upgrade
Amelia Risk counts hired and non-owned auto as one of the three coverages in its BOP. Hiscox sells it as an upgrade, alongside cyber and commercial crime, and ties it to the BOP's per-occurrence limit rather than a separate policy.
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. 6,7,8Company-reported. Product-page and upgrade-page descriptions; commercial crime is also stated as not available in all states.
2 7 8States Where Hiscox Won't Sell a BOP
Hiscox's 2026 appetite guide rules out Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia. If you're in one of those states, Hiscox isn't an option for this line. Amelia Risk publishes no state list, so ask before you apply. 10 1
What Should You Confirm in Amelia Risk and Hiscox Business Owner’s Policy Quotes?
- Ask Amelia Risk which insurer issues the BOP and whether hired auto is on that form. 1
- Check your state against Hiscox's seven-state exclusion list. 10
- If you need hired auto, compare Amelia Risk's included limit with Hiscox's upgrade tied to the BOP limit. 2 7
- Get your own limits from Hiscox; its BOP page doesn't publish standard limits, and its California IT pricing table is only an example. 6
Amelia Risk vs Hiscox Business Owner’s Policy Compared
Amelia Risk vs Hiscox: Business Owner’s Policy: documented features by provider
| Criteria | Amelia Risk Businessowners Policy (BOP) Brokerage | Hiscox Business Owner's Policy |
|---|---|---|
| Who It’s For | Amelia Risk offers the bundled BOP to its startup and technology clients specifically. Its CPG and consumer-product specialty lists do not include a BOP line; they list general liability and auto liability (owned, hired and non-owned) as separate coverages instead. 1,2,3,4Company-reported. Comparison of the four specialty pages' policy checklists as published; does not establish why the bundling differs by segment. | 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. 10Company-reported. State-exception list as of the 2026 agent appetite guide; does not by itself establish eligibility for a specific class or business. |
| Coverage Features | Amelia Risk describes its BOP as combining property, general liability, and hired & non-owned auto liability coverage into a single policy. 1,2Company-reported. Bulleted policy structure on the startup and technology specialty pages; the issued policy and its forms control actual terms. | 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. 6,7,8Company-reported. Product-page and upgrade-page descriptions; commercial crime is also stated as not available in all states. |
| Role in This Line | Amelia Risk lists a Businessowners Policy (BOP) as one of the policies it arranges for startup and technology clients, bundling several coverages under one policy rather than placing them separately. 1,2Company-reported. Startup and technology specialty pages' policy checklists; does not establish that every client receives a bundled BOP versus separate policies. | 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. 6,9Company-reported. Company-stated online small-business channel. |
