--- title: "Beazley vs Hiscox" description: "Compare Hiscox’s California small-business technology route with Beazley MediaTech while keeping broker management-liability restrictions separate." canonical: "https://spot.insure/compare/beazley-vs-hiscox" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Beazley", "Hiscox"] --- [Human-readable page](https://spot.insure/compare/beazley-vs-hiscox) # Beazley vs Hiscox Compare Hiscox’s California small-business technology route with Beazley MediaTech while keeping broker management-liability restrictions separate. ## Research Scope and Use Use this comparison to evaluate Beazley and Hiscox against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights Hiscox markets online professional liability, cyber, general liability and BOP coverage for eligible IT businesses, with specific California sources. Beazley offers the combined MediaTech product, but its California product route remains unresolved in the shared research. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [5](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [22](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") [26](https://www.hiscox.com/small-business-insurance/california-business-insurance "California Business Insurance") [43](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") ## Introduction A California IT consultancy may need technology liability, cyber insurance and office coverage at the same renewal. Hiscox presents professional liability, cyber and BOP options for IT businesses and has a dedicated California product page. Beazley’s MediaTech combines technology and related liabilities. The comparison should identify the policy route for each need before treating either brand’s wider catalogue as available to the company. [22](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") [26](https://www.hiscox.com/small-business-insurance/california-business-insurance "California Business Insurance") [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") ## Documented Provider Strengths ### Beazley - Technology E&O, media and cyber in one MediaTech form [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") (Evidence: Company-reported; scope: US small-business MediaTech marketing; maximum is advertised capacity, not a guaranteed quote.; verified: 2026-09-16.) - Execuguard can separate or share executive-risk limits [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: US Execuguard; no assertion every coverage is included in every quote.; verified: 2026-09-16.) ### Hiscox - Hiscox Inc., a Delaware producer, handles online small-business sales; Hiscox Insurance Company Inc. is the affiliated admitted insurer named for Hiscox NOW products. [25](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") [24](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 applicants can quote Hiscox general liability, professional liability/E&O, cyber and a business owner’s policy online. [36](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [27](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [28](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [29](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [30](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [22](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.) ## Coverage Comparison | Coverage Type | Beazley | Hiscox | | --- | --- | --- | | Business owner’s policy | Not listed | Listed [30](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") | | Commercial auto | Not listed | Listed [32](https://www.hiscox.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance for Small Businesses") | | Commercial property | Listed [15](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property "North American Commercial Property") | Not listed | | Crime | Listed [11](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") | Not listed | | Cyber liability | Listed [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [9](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") | Listed [29](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [22](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") | | Directors and officers | Listed [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") | Not listed | | Employment practices liability | Listed [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") | Not listed | | Fidelity bonds | Listed [11](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") | Not listed | | Fiduciary liability | Listed [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") | Not listed | | General liability | Listed [17](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [13](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") | Listed [27](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") | | Hired and non-owned auto | Listed [17](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") | Not listed | | Management liability | Listed [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") | Not listed | | Media liability | Listed [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") | Not listed | | Medical malpractice | Listed [13](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [14](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") | Listed [33](https://www.hiscox.com/small-business-insurance/medical-malpractice-insurance "Medical Malpractice Insurance") | | Product liability | Listed [14](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") | Not listed | | Product recall | Listed [16](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") | Not listed | | Professional liability / E&O | Listed [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [17](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") | Listed [28](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [22](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") | | Representations and warranties | Listed [12](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") | Not listed | | Technology errors and omissions | Listed [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") | Not listed | | Umbrella and excess liability | Listed [18](https://www.beazley.com/en-us/products/marine-usa/beazley-us-marine "Beazley US Marine") | Not listed | | Virtual care and telehealth | Listed [13](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") | Not listed | | Workers’ compensation | Not listed | Listed [31](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## 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://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between Beazley and Hiscox ### California Evidence Is More Specific on the Hiscox Route Hiscox’s California page and 2026 appetite guide identify an admitted small-business route through Hiscox Inc., doing business as Hiscox Insurance Agency, with Hiscox Insurance Company Inc. named as insurer. A California regulator record independently identifies that insurer’s authorization. This is stronger route documentation than the unresolved California MediaTech evidence, but it still does not establish acceptance of a particular consultancy or policy form. The producer’s current license status remains independently unverified. [26](https://www.hiscox.com/small-business-insurance/california-business-insurance "California Business Insurance") [43](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [44](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3358&event=companyProfile "Hiscox Insurance Company Inc. Company Profile") [5](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") ### Office and Technology Coverage Need Separate Comparisons Hiscox’s BOP combines general liability and property, with conditional upgrades. Its IT page presents professional liability and cyber separately. Beazley’s MediaTech package should be compared against the proposed professional/cyber wording, rather than against the BOP’s office protection. Do not infer that Hiscox’s use of professional-liability terminology excludes technology work: its IT consultant page explicitly uses technology professional liability as a label. [30](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [22](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") [23](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance/it-consultant-insurance "Insurance for IT Consultants") [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") Beazley’s older sample raises specific intellectual-property, contractual and reporting questions. Hiscox’s marketing examples do not supply a complete alternative form. Ask both proposals to address the actual consulting agreement and the consequences of a data incident occurring during a failed implementation. [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") [28](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [29](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") ### Board Coverage Uses a Different Channel Hiscox’s broker-facing C-Suite page says it is no longer entertaining management-liability risks in California metro areas. That restriction should neither be ignored for a Bay Area board request nor generalized to its online GL, professional liability and cyber products. Its consumer site also offers a separate CyberPolicy referral for D&O. Beazley’s Execuguard is another documented management product, with California eligibility still requiring confirmation. [46](https://www.hiscox.com/brokers/management-liability "Management Liability Insurance Executive Risks") [35](https://www.hiscox.com/small-business-insurance/other-insurance "Specific Business Insurance Coverages") [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [5](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") Hiscox distinguishes online document functions from phone-assisted changes such as limits and new-state addresses. Its no-additional-fee installment statements are scoped to described products, not every partner policy. Request servicing and payment terms for each proposed contract. [38](https://www.hiscox.com/manage-your-policy "Manage your policy") [27](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") ## What to Confirm in Quotes - Which current forms cover the consulting services, cyber incident and office property? [22](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") - Is the board request routed through an eligible management product or a separate referral? [46](https://www.hiscox.com/brokers/management-liability "Management Liability Insurance Executive Risks") [35](https://www.hiscox.com/small-business-insurance/other-insurance "Specific Business Insurance Coverages") [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") - Which insurer, payment terms and service contacts apply to each line, including any partner placement? [24](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [31](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") [38](https://www.hiscox.com/manage-your-policy "Manage your policy") ## Service Comparison Beazley vs Hiscox: documented services and availability. | Criteria | Beazley | Hiscox | | --- | --- | --- | | Business role | Beazley is a specialty insurance group operating through insurance companies and underwriting businesses. Its US disclosures distinguish the insurance entities from Beazley USA Services, Inc., which reports doing business in California as Beazley Insurance Services under license 0G55497. This is a company disclosure, not an independently verified license record. [5](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [6](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/ "US Web Services Terms of Use") [7](https://www.beazley.com/globalassets/product-documents/beazley-us-contingency-toolkit.pdf "US Contingency Toolkit") (Evidence: Company-reported; scope: US group and disclosed insurance-services entity; no regulator verification or product-specific producer appointment established.; verified: 2026-09-16.) | Hiscox is the brand name used by its U.S. insurance businesses. Website terms identify Hiscox Inc., a Delaware corporation headquartered in Atlanta, as a licensed insurance intermediary for admitted and surplus-lines business. About Hiscox US names Hiscox Insurance Company Inc. (NAIC 10200) as the affiliated insurer and Hiscox Inc. as its general agent. Broker-only pages are restricted to licensed market professionals; the small-business section is the consumer product path. [25](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") [24](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.)

In California, Hiscox Inc. says it does business as Hiscox Insurance Agency and publishes producer license number 0F09668. Its current producer-license status remains independently unverified; the number is company-reported. [26](https://www.hiscox.com/small-business-insurance/california-business-insurance "California Business Insurance") [43](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [31](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") [25](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.) | | Coverage lines | MediaTech combines technology and professional errors and omissions, media liability and cyber coverage. Beazley lists breach response, business interruption, dependent business interruption, extortion, data recovery and eCrime protections, with limits up to $5 million; the issued policy determines the cover purchased. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") (Evidence: Company-reported; scope: US small-business MediaTech marketing; maximum is advertised capacity, not a guaranteed quote.; verified: 2026-09-16.)

The linked MediaTech sample form is dated February 2019. It excludes patent infringement and trade-secret misappropriation related to technology or other products, and contains contractual-liability and retroactive-date restrictions. The sample is not evidence of the wording that will be offered today. [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") [5](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") (Evidence: Company-reported; scope: F00731 022019; exclusions on printed pages 16–18; qualified reviewer must interpret a current quote form.; verified: 2026-09-16.)

Execuguard offers private-company directors and officers, employment practices and fiduciary liability, with separate or shared limits across selected coverages. Beazley advertises both admitted and non-admitted options; state and account eligibility still need confirmation. [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: US Execuguard; no assertion every coverage is included in every quote.; verified: 2026-09-16.)

Beazley offers Commercial Crime for commercial companies and Financial Fidelity Bonds for financial institutions. Its crime page describes fraudulent-instruction coverage subject to out-of-band authentication, with possible removal of that condition for documented controls and an additional premium. [11](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") (Evidence: Company-reported; scope: US crime and fidelity offering; financial-institution bonds are distinct from fiduciary liability.; verified: 2026-09-16.)

Virtual Care lists healthcare professional liability, technology liability, cyber, media, general liability and products/completed operations for digital-health businesses. Life Sciences offers product, professional and general liability through BioSecure, NutraGuard and WellTech forms for different life-sciences exposures. [13](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [14](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") (Evidence: Company-reported; scope: Specialty healthcare packages, not universal MediaTech benefits.; verified: 2026-09-16.)

North American Commercial Property targets mid-sized and large commercial properties on an excess and surplus lines basis. Product Recall – Manufacturing Risk and Response separately addresses consumer goods, component parts and consumables, including product-removal and related income-loss costs. [15](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property "North American Commercial Property") [16](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") (Evidence: Company-reported; scope: Separate US-marketed product routes; commercial property is not a business owner’s policy.; verified: 2026-09-16.)

BeazleyOne Environmental combines general, professional and contractors’ pollution liability for environmental-service firms, and lists hired and non-owned auto. US Marine offers hull and marine liability on primary and excess bases; this does not establish general corporate umbrella availability. [17](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [18](https://www.beazley.com/en-us/products/marine-usa/beazley-us-marine "Beazley US Marine") (Evidence: Company-reported; scope: Industry-specific products; marine builders risk is not mapped to general construction builders risk.; verified: 2026-09-16.)

Beazley offers representations and warranties coverage for acquisitions. Its US Specialty Programs business works through managing general agents, program administrators and specialized brokers on professional, general, product, manufacturers’ E&O, cyber and allied-medical liability programs. [12](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") [19](https://www.beazley.com/en-us/products/specialty-risk-usa/us-specialty-programs "US Specialty Programs") (Evidence: Company-reported; scope: Transaction insurance and delegated programs are distinct from a small-business direct purchase flow.; verified: 2026-09-16.)

The posted Digital Media Tech application says liability coverage is claims-made and reported: the claim must be made and reported within the applicable policy terms. It also warns that claims expenses reduce the liability limit and are subject to retentions. [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Company-reported; scope: Application notice, page 1; current issued wording and endorsements control.; 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. [36](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [27](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [28](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [29](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [30](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [22](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. [40](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Car Liability Insurance") [41](https://www.hiscox.com/small-business-insurance/business-owner-insurance/commercial-crime "Commercial crime insurance for small businesses") [30](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 also markets partner coverage for workers’ compensation (Hartford Fire, generally requiring a Hiscox general-liability policy), commercial auto (GEICO referral and, separately, CyberPolicy), medical malpractice (NOW Insurance), short-term liability (Thimble/Markel), and CyberPolicy quotes for umbrella, directors and officers, and employment practices liability. Those pages are partner access paths, not proof that Hiscox Insurance Company Inc. issues the policy. [31](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") [32](https://www.hiscox.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance for Small Businesses") [33](https://www.hiscox.com/small-business-insurance/medical-malpractice-insurance "Medical Malpractice Insurance") [34](https://www.hiscox.com/small-business-insurance/short-term-liability-insurance "Short-Term Liability Insurance for Small Businesses") [35](https://www.hiscox.com/small-business-insurance/other-insurance "Specific Business Insurance Coverages") [46](https://www.hiscox.com/brokers/management-liability "Management Liability Insurance Executive Risks") (Evidence: Company-reported; scope: Current partner product pages. Broker-channel Hiscox C-Suite management liability is a different offering from the CyberPolicy D&O/EPLI links.; verified: 2026-09-16.) | | Availability | The reviewed MediaTech product page, application and US legal disclosures do not establish a current California-specific MediaTech form, admitted or surplus-lines route, or applicant eligibility. A California trade-name and license disclosure alone does not answer those product questions. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") [5](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [6](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/ "US Web Services Terms of Use") (Evidence: Not found in reviewed sources; scope: Reviewed public documents as of 2026-09-16; no California regulator product filing or issued quote inspected.; verified: 2026-09-16.)

Beazley says its M&A team can underwrite and place transactions in all 50 US states. That company-reported statement includes California for M&A, but does not establish MediaTech availability or acceptance of a particular transaction. [12](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") (Evidence: Company-reported; scope: M&A product only; independently verified state authorization not established.; verified: 2026-09-16.) | Hiscox says it is currently licensed to offer small-business insurance in 49 states and the District of Columbia, and that coverage is currently unavailable in Alaska. General liability and professional liability FAQs repeat the Alaska exclusion and say specialist brokers may be able to help if Hiscox does not sell online in an area. The 2026 Hiscox NOW appetite guide further says business owner’s policy is unavailable in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia. Coverage remains subject to underwriting and class. [21](https://www.hiscox.com/small-business-insurance "Hiscox Small Business Insurance") [27](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [28](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [43](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [26](https://www.hiscox.com/small-business-insurance/california-business-insurance "California Business Insurance") (Evidence: Company-reported; scope: Company-stated jurisdiction for the online/admitted small-business catalogue as of 16 September 2026. A 49-state license statement is not a product-by-profession matrix. California is included in the marketed 49-state set and has a dedicated Hiscox California page; that still does not bind a specific class.; verified: 2026-09-16.)

A Los Angeles office on the contact page does not establish California product eligibility. Broker-facing Hiscox C-Suite materials say Hiscox is no longer entertaining management-liability risks in the metro areas of California. Appetite tables also mark many contractor professional-liability classes as not available in California. Confirm state, class and channel on the actual quote. [42](https://www.hiscox.com/contact-us "Contact Us") [46](https://www.hiscox.com/brokers/management-liability "Management Liability Insurance Executive Risks") [43](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") (Evidence: Company-reported; scope: Contact-page office list, C-Suite broker page and July 2026 appetite class notes. C-Suite restriction applies to that broker management-liability product, not automatically to online GL/PL/cyber/BOP.; verified: 2026-09-16.) | | Servicing and renewals | Beazley publishes a MediaTech renewal application. The reviewed renewal form and product page do not establish a guaranteed renewal, dedicated account manager, or turnaround commitment for policy changes. [4](https://www.beazley.com/globalassets/product-documents/application/beazley-media-tech-renewal-app-us.pdf "Beazley MediaTech Renewal Application") [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") (Evidence: Company-reported; scope: Public renewal document and service description; no policyholder account or service performance tested.; verified: 2026-09-16.)

Full Spectrum Cyber for small businesses combines Beazley Breach Response with security tools and services. Beazley describes incident-response coordination and discounted vendor services. Its myBeazley quote-and-bind route is for brokers handling accounts below $35 million in revenue and limits no higher than $5 million; these are cyber-route criteria, not MediaTech eligibility rules. [9](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") (Evidence: Company-reported; scope: Small-business Full Spectrum Cyber only; services, costs and entitlements depend on actual arrangements.; verified: 2026-09-16.) | Hiscox describes an online policyholder account for downloading policy documents, generating ACORD certificates, adding an authorized person, changing a same-state address or business name, requesting a loss run or waiver of subrogation, updating a certificate holder and submitting documents. Payment-method, new-state address, limit, additional-location, coverage-adjustment and cancellation requests are listed as phone-assisted. A certificate summarizes coverage and does not itself change the policy. [38](https://www.hiscox.com/manage-your-policy "Manage your policy") [39](https://www.hiscox.com/manage-your-policy/get-certificate-of-insurance "Get a Certificate of Insurance (COI)") (Evidence: Company-reported; scope: Company-described self-service as of the manage-policy and certificate pages. Partner-issued policies may use different servicing portals.; verified: 2026-09-16.) | ## Related Reading - [What Is Beazley?](https://spot.insure/insurance-providers/beazley) - [What Is Hiscox?](https://spot.insure/insurance-providers/hiscox) ## Related Comparisons - [Alliance Risk vs Beazley](https://spot.insure/compare/alliance-risk-vs-beazley) - [Alliance Risk vs Hiscox](https://spot.insure/compare/alliance-risk-vs-hiscox) - [Amelia Risk vs Beazley](https://spot.insure/compare/amelia-risk-vs-beazley) - [Amelia Risk vs Hiscox](https://spot.insure/compare/amelia-risk-vs-hiscox) - [Armilla vs Beazley](https://spot.insure/compare/armilla-vs-beazley) - [Armilla vs Hiscox](https://spot.insure/compare/armilla-vs-hiscox) - [At-Bay vs Beazley](https://spot.insure/compare/at-bay-vs-beazley) - [At-Bay vs Hiscox](https://spot.insure/compare/at-bay-vs-hiscox) - [Beazley vs CFC](https://spot.insure/compare/beazley-vs-cfc) - [Beazley vs Chubb](https://spot.insure/compare/beazley-vs-chubb) - [Beazley vs Coalition](https://spot.insure/compare/beazley-vs-coalition) - [Beazley vs Corgi](https://spot.insure/compare/beazley-vs-corgi) - [Beazley vs Coterie Insurance](https://spot.insure/compare/beazley-vs-coterie) - [Beazley vs Coverdash](https://spot.insure/compare/beazley-vs-coverdash) - [Beazley vs Cowbell](https://spot.insure/compare/beazley-vs-cowbell) - [Beazley vs Embroker](https://spot.insure/compare/beazley-vs-embroker) - [Beazley vs Founder Shield](https://spot.insure/compare/beazley-vs-foundershield) - [Beazley vs Gallagher](https://spot.insure/compare/beazley-vs-gallagher) - [Beazley vs Harper](https://spot.insure/compare/beazley-vs-harper) - [Beazley vs Heffernan](https://spot.insure/compare/beazley-vs-heffernan) - [Beazley vs HUB International](https://spot.insure/compare/beazley-vs-hub-international) - [Beazley vs Kinro](https://spot.insure/compare/beazley-vs-kinro) - [Beazley vs Layr](https://spot.insure/compare/beazley-vs-layr) - [Beazley vs Lockton](https://spot.insure/compare/beazley-vs-lockton) - [Beazley vs Marsh](https://spot.insure/compare/beazley-vs-marsh) - [Beazley vs Mylo](https://spot.insure/compare/beazley-vs-mylo) - [Beazley vs Newfront](https://spot.insure/compare/beazley-vs-newfront) - [Beazley vs ERGO NEXT Insurance](https://spot.insure/compare/beazley-vs-next-insurance) - [Beazley vs Pie Insurance](https://spot.insure/compare/beazley-vs-pie-insurance) - [Beazley vs Relm Insurance](https://spot.insure/compare/beazley-vs-relm) - [Beazley vs Resilience](https://spot.insure/compare/beazley-vs-resilience) - [Beazley vs RiskCube](https://spot.insure/compare/beazley-vs-riskcube) - [Beazley vs Risklytics](https://spot.insure/compare/beazley-vs-risklytics) - [Beazley vs StartupInsurance.ai](https://spot.insure/compare/beazley-vs-startupinsurance) - [Beazley vs TechInsurance](https://spot.insure/compare/beazley-vs-techinsurance) - [Beazley vs The Hartford](https://spot.insure/compare/beazley-vs-the-hartford) - [Beazley vs Travelers Insurance](https://spot.insure/compare/beazley-vs-travelers) - [Beazley vs USI](https://spot.insure/compare/beazley-vs-usi) - [Beazley vs Vouch](https://spot.insure/compare/beazley-vs-vouch) - [Beazley vs WithCoverage](https://spot.insure/compare/beazley-vs-withcoverage) - [CFC vs Hiscox](https://spot.insure/compare/cfc-vs-hiscox) - [Chubb vs Hiscox](https://spot.insure/compare/chubb-vs-hiscox) - [Coalition vs Hiscox](https://spot.insure/compare/coalition-vs-hiscox) - [Corgi vs Hiscox](https://spot.insure/compare/corgi-vs-hiscox) - [Coterie vs Hiscox](https://spot.insure/compare/coterie-vs-hiscox) - [Coverdash vs Hiscox](https://spot.insure/compare/coverdash-vs-hiscox) - [Cowbell vs Hiscox](https://spot.insure/compare/cowbell-vs-hiscox) - [Embroker vs Hiscox](https://spot.insure/compare/embroker-vs-hiscox) - [Founder Shield vs Hiscox](https://spot.insure/compare/foundershield-vs-hiscox) - [Gallagher vs Hiscox](https://spot.insure/compare/gallagher-vs-hiscox) - [Harper vs Hiscox](https://spot.insure/compare/harper-vs-hiscox) - [Heffernan vs Hiscox](https://spot.insure/compare/heffernan-vs-hiscox) - [Hiscox vs HUB International](https://spot.insure/compare/hiscox-vs-hub-international) - [Hiscox vs Kinro](https://spot.insure/compare/hiscox-vs-kinro) - [Hiscox vs Layr](https://spot.insure/compare/hiscox-vs-layr) - [Hiscox vs Lockton](https://spot.insure/compare/hiscox-vs-lockton) - [Hiscox vs Marsh](https://spot.insure/compare/hiscox-vs-marsh) - [Hiscox vs Mylo](https://spot.insure/compare/hiscox-vs-mylo) - [Hiscox vs Newfront](https://spot.insure/compare/hiscox-vs-newfront) - [Hiscox vs ERGO NEXT Insurance](https://spot.insure/compare/hiscox-vs-next-insurance) - [Hiscox vs Pie Insurance](https://spot.insure/compare/hiscox-vs-pie-insurance) - [Hiscox vs Relm](https://spot.insure/compare/hiscox-vs-relm) - [Hiscox vs Resilience](https://spot.insure/compare/hiscox-vs-resilience) - [Hiscox vs RiskCube](https://spot.insure/compare/hiscox-vs-riskcube) - [Hiscox vs Risklytics](https://spot.insure/compare/hiscox-vs-risklytics) - [Hiscox vs StartupInsurance.ai](https://spot.insure/compare/hiscox-vs-startupinsurance) - [Hiscox vs TechInsurance](https://spot.insure/compare/hiscox-vs-techinsurance) - [Hiscox vs The Hartford](https://spot.insure/compare/hiscox-vs-the-hartford) - [Hiscox vs Travelers Insurance](https://spot.insure/compare/hiscox-vs-travelers) - [Hiscox vs USI](https://spot.insure/compare/hiscox-vs-usi) - [Hiscox vs Vouch](https://spot.insure/compare/hiscox-vs-vouch) - [Hiscox vs WithCoverage](https://spot.insure/compare/hiscox-vs-withcoverage) ## Sources ### [Beazley Official Website](https://www.beazley.com/en-us/) 1. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; What we offer; How can we help; Tools & Resources. Accessed 2026-09-16. 2. [Beazley Digital Media Tech Application](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf). Beazley; F00859, 042022 edition, pages 1–2: notice, general information and revenue information. Accessed 2026-09-16. 3. [Beazley MediaTech Sample Policy](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf). Beazley; F00731, 022019 edition; printed pages 14, 16–18: definitions and exclusions (PDF pages 15, 17–19). Accessed 2026-09-16. 4. [Beazley MediaTech Renewal Application](https://www.beazley.com/globalassets/product-documents/application/beazley-media-tech-renewal-app-us.pdf). Beazley; F00729, 022019 edition; page 1, title and claims-made notice. Accessed 2026-09-16. 5. [Legal Information](https://www.beazley.com/en-us/legal-information-en/). Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16. 6. [US Web Services Terms of Use](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/). Beazley; Page 1: operating entities and California insurance license table. Accessed 2026-09-16. 7. [US Contingency Toolkit](https://www.beazley.com/globalassets/product-documents/beazley-us-contingency-toolkit.pdf). Beazley; PDF page 13: Event Tech Protect disclaimer; page 26: Disclaimer US (BZPAC211). Accessed 2026-09-16. 8. [Notify a Claim](https://www.beazley.com/en-us/notify-a-claim/). Beazley; Policy-first guidance; Submit a Notice of Loss; US email directory. Accessed 2026-09-16. 9. [Full Spectrum Cyber for Small Businesses](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses). Beazley; What we offer; Responsive Cyber; Vendor Services; Small and medium sized businesses. Accessed 2026-09-16. 10. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary). Beazley; What we offer: separate/shared limits; admitted/non-admitted; How can we help. Accessed 2026-09-16. 11. [Crime and Fidelity](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime). Beazley; What we offer: Commercial Crime versus Financial Fidelity Bonds; fraudulent instruction condition. Accessed 2026-09-16. 12. [Mergers & Acquisitions](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions). Beazley; What we offer: representations/warranties, target customers and 50-state statement. Accessed 2026-09-16. 13. [Virtual Care](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care). Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16. 14. [Life Sciences](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences). Beazley; What we offer; Our Coverages; Who we can help. Accessed 2026-09-16. 15. [North American Commercial Property](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property). Beazley; Coverage highlights; Who we can help; Where is this offered. Accessed 2026-09-16. 16. [Product Recall – Manufacturing Risk and Response](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response). Beazley; What we offer; Who we can help; Where is this offered. Accessed 2026-09-16. 17. [Environmental Package Policy (BeazleyOne Environmental)](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy). Beazley; Key Coverages; Additional Coverages; Who we can help. Accessed 2026-09-16. 18. [Beazley US Marine](https://www.beazley.com/en-us/products/marine-usa/beazley-us-marine). Beazley; What we offer: Marine Hull and Marine Liability; primary and excess. Accessed 2026-09-16. 19. [US Specialty Programs](https://www.beazley.com/en-us/products/specialty-risk-usa/us-specialty-programs). Beazley; What we offer; Who we can help; Where is this offered. Accessed 2026-09-16. 20. [Explore All Products](https://www.beazley.com/en-us/products/). Beazley; US product directory, all product categories including Small Business Solutions and Reinsurance. Accessed 2026-09-16. ### [Hiscox Official Website](https://www.hiscox.com/small-business-insurance) 21. [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. 22. [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. 23. [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. 24. [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. 25. [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. 26. [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. 27. [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. 28. [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. 29. [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. 30. [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. 31. [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. 32. [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. 33. [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. 34. [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. 35. [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. 36. [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. 37. [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. 38. [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. 39. [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. 40. [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. 41. [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. 42. [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. 43. [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. 44. [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. 45. [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. 46. [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; not the consumer small-business online catalogue. Accessed 2026-09-16. 47. [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. Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/beazley-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://spot.insure/llms.txt)