---
title: "Beazley vs Hiscox Cyber Insurance"
description: "Hiscox names Hiscox Insurance Company Inc. as underwriter of its admitted small-business cyber policy and sells it online; Beazley's comparable product is broker-only with no named insurer."
canonical: "https://spot.insure/compare/beazley-vs-hiscox/cyber"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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[Human-readable page](https://spot.insure/compare/beazley-vs-hiscox/cyber)

# Beazley vs Hiscox Cyber Insurance

Hiscox names Hiscox Insurance Company Inc. as underwriter of its admitted small-business cyber policy and sells it online; Beazley's comparable product is broker-only with no named insurer.

## Research Scope and Use

Use this comparison to evaluate Beazley and Hiscox for Cyber Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Hiscox's appetite guide names Hiscox Insurance Company Inc. (NAIC 10200) as underwriter of its admitted small-business cyber product, sold online, while Beazley's Full Spectrum Cyber is broker-only through myBeazley and discloses no insurer. [13](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [10](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") [7](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application")

## What Is Beazley?

Beazley is a specialty insurance group whose MediaTech product combines technology and professional E&O, media and cyber coverage. Separate offerings address executive liability, digital health and other specialty risks. [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/en-us/legal-information-en/ "Legal Information") [3](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") [4](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care")

[Beazley profile](https://spot.insure/insurance-providers/beazley)

## What Is Hiscox?

Hiscox is a U.S. small-business insurance brand whose website is operated by Hiscox Inc., a Delaware producer that does business in California as Hiscox Insurance Agency. Eligible firms can quote general liability, professional liability, cyber and a business owner’s policy online; other advertised lines are often placed with partner insurers, so the issuing company on each quote still has to be checked. [8](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") [9](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [10](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance")

[Hiscox profile](https://spot.insure/insurance-providers/hiscox)

## What Is Cyber Insurance?

Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. [14](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance")

## Key Differences in Cyber Insurance

### Insurer Disclosure

Hiscox's appetite guide and About Hiscox US materials name Hiscox Insurance Company Inc. (NAIC 10200) as underwriter of its admitted Hiscox NOW cyber policies. [13](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide")


Hiscox's appetite guide and About Hiscox US page name Hiscox Insurance Company Inc. (NAIC 10200) as the underwriter of admitted Hiscox NOW cyber policies. [13](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [10](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") (Evidence: Company-reported; scope: Admitted small-business cyber coverage as described in company materials; the exact contracting entity for a particular state or channel should be confirmed on the quote..)

Beazley's Full Spectrum Cyber page discloses no issuing insurer for a stand-alone quote; only its separate MediaTech application form names Beazley Insurance Company, Inc., and that naming isn't confirmed to extend to every cyber-only placement. [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses")

### How You Buy

Hiscox sells cyber insurance directly online as a standalone small-business product, with a licensed-agent phone line available during the process. [11](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") Beazley requires a broker: a broker quotes and binds Full Spectrum Cyber through Beazley's myBeazley platform for qualifying accounts, rather than a self-service online purchase.

Beazley says brokers can get a quote and bind Full Spectrum Cyber through its myBeazley platform for qualifying small accounts. The MediaTech application separately asks about ransomware controls such as multi-factor authentication, VPN use, patch timing and backup frequency, which affect underwriting. [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") [7](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Company-reported; scope: Full Spectrum Cyber product page myBeazley paragraph and MediaTech application Ransomware Controls section; a completed application does not establish acceptance, and myBeazley is a broker tool, not a direct-to-business portal..)

### Coverage and Eligibility

Hiscox markets its cyber product to small businesses broadly and specifically to IT and technology consultants, describing coverage for data breaches, cyberattacks and related losses in general terms. [11](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") Beazley's eligibility is bounded by a specific revenue cap — accounts under $35 million — and its sample form names more granular insuring agreements like Breach Response Costs and Cyber Extortion Loss. [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") [6](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy")

## What to Confirm in Cyber Insurance Quotes

- Confirm which Hiscox entity issues your specific policy, since the reviewed appetite guide names Hiscox Insurance Company Inc. only for admitted business. [13](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide")
- Ask Beazley to name the entity issuing your Full Spectrum Cyber policy, since the product page doesn't. [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses")
- Get specific limit and retention figures from Hiscox, since its cyber page doesn't publish them. [11](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses")
- Ask whether Beazley's cyber coverage would share an aggregate limit with unrelated MediaTech coverages on your account. [6](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy")

## Offering Details

| Criteria | Beazley Full Spectrum Cyber for Small Businesses | Hiscox Cyber Security Insurance |
| --- | --- | --- |
| Role in This Line | For small businesses, Beazley sells cyber coverage two ways: as Full Spectrum Cyber, built around its Beazley Breach Response product plus integrated risk-management services from its in-house Beazley Security unit, and as the cyber component bundled inside the broader MediaTech form alongside tech E&O, professional E&O and media liability. [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") [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 product pages for Full Spectrum Cyber and MediaTech; does not address any larger-account cyber program Beazley may write separately..) | Hiscox Inc. sells cyber insurance directly online as a standalone product for small businesses, separate from its business owner's policy, which also offers an optional cyber add-on. [11](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") (Evidence: Company-reported; scope: Company-stated standalone small-business cyber product; the BOP cyber add-on is a distinct package option described on a different page..) |
| Issuing Insurer | The Full Spectrum Cyber page does not name an issuing insurer. Beazley's Digital MediaTech Application, which bundles a cyber insuring agreement, names Beazley Insurance Company, Inc. on its cover page, but the actual issuing entity for a stand-alone cyber quote is not established by the reviewed pages. [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") [7](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Not found in reviewed sources; scope: Full Spectrum Cyber product page and MediaTech application form, both checked on 2026-09-23; not a regulator record..) | Hiscox's appetite guide and About Hiscox US page name Hiscox Insurance Company Inc. (NAIC 10200) as the underwriter of admitted Hiscox NOW cyber policies. [13](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [10](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") (Evidence: Company-reported; scope: Admitted small-business cyber coverage as described in company materials; the exact contracting entity for a particular state or channel should be confirmed on the quote..) |
| Who It’s For | Beazley says Full Spectrum Cyber is available to accounts with under $35 million in annual revenue, with coverage limits up to $5 million, purchased by a broker through Beazley's myBeazley platform. [5](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: Full Spectrum Cyber product page eligibility paragraph; eligibility for a particular business still depends on underwriting..) | Hiscox markets cyber insurance to small businesses broadly and specifically to IT and technology consultants, describing itself as customizing coverage for the technology sector's data-handling and security exposures. [11](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [12](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") (Evidence: Company-reported; scope: Company-stated audience across the standalone cyber page and the IT-insurance page..) |
| Coverage Features | The sample MediaTech cyber insuring agreements cover Breach Response Costs after an actual or suspected data breach, Cyber Extortion Loss from an extortion threat, business interruption loss from a security breach or system failure, and eCrime losses from fraudulent instruction, funds transfer fraud or telephone fraud. [6](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") (Evidence: Company-reported; scope: Sample policy form F00731, 022019 edition; the issued policy's wording and any endorsements control, and a stand-alone Full Spectrum Cyber policy may use different wording..) | Hiscox describes cyber coverage as responding to data breaches, cyberattacks and related losses, and its IT-insurance page shows an illustrative breach-response example describing notification and related costs after a data incident. [11](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [12](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") (Evidence: Company-reported; scope: Product-page description; the illustrative example is explicitly a hypothetical scenario, not a specific limit or claim outcome, and actual coverage terms are set by the issued policy..) |
| Limits and Retentions | In the sample MediaTech form, unless the declarations list a separate amount, the cyber-related insuring agreements share the same Policy Aggregate Limit of Liability with the policy's technology, professional and media coverages rather than carrying a dedicated cyber-only limit. [6](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") (Evidence: Company-reported; scope: Sample policy form F00731, 022019 edition, Limit of Liability and Coverage section; actual sublimits depend on what is purchased and shown on the declarations, and may differ for a stand-alone Full Spectrum Cyber policy..) | The cyber product page does not publish standard limit, retention or deductible amounts; figures shown elsewhere on the site are illustrative examples rather than quotes. [11](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") (Evidence: Not publicly disclosed; scope: Public product page as previously reviewed..) |
| Risk Services | Full Spectrum Cyber policyholders get discounted access to vendor services, including anti-phishing tools and training, email security services, cyber risk analysis and other pre-breach prevention services, through Beazley's partnership with its in-house Beazley Security unit. [5](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: Full Spectrum Cyber product page Vendor Services section; discount terms and vendor identities are not disclosed on the page..) | The reviewed cyber product page does not describe ongoing security-monitoring or risk-prevention services made available to policyholders; it describes post-incident breach-response coverage rather than a monitoring service. [11](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") (Evidence: Not found in reviewed sources; scope: Standalone cyber product page as previously reviewed..) |
| How to Apply | Beazley says brokers can get a quote and bind Full Spectrum Cyber through its myBeazley platform for qualifying small accounts. The MediaTech application separately asks about ransomware controls such as multi-factor authentication, VPN use, patch timing and backup frequency, which affect underwriting. [5](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") [7](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Company-reported; scope: Full Spectrum Cyber product page myBeazley paragraph and MediaTech application Ransomware Controls section; a completed application does not establish acceptance, and myBeazley is a broker tool, not a direct-to-business portal..) | Hiscox says eligible buyers can get a cyber insurance quote online, with a licensed-agent phone line available for questions during the process. [11](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") (Evidence: Company-reported; scope: Company-described online application; eligibility and binding conditions require confirmation on the actual application..) |
| Claims Support | Beazley describes its Beazley Breach Response service as mobilizing a coordinated response after a cyber incident, including forensics specialists, legal counsel, notification services and call centers, credit monitoring and public-relations support. [5](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: Full Spectrum Cyber product page Beazley Breach Response Services section; service quality and turnaround are Beazley's own description and not independently verified..) | Not described in the reviewed sources. |

## Full Comparison

- [Beazley vs Hiscox](https://spot.insure/compare/beazley-vs-hiscox): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay your response costs and covered claims against your business after a cyber incident.
- [Beazley vs Hiscox General Liability Insurance](https://spot.insure/compare/beazley-vs-hiscox/general-liability)
- [Beazley vs Hiscox Professional Liability (E&O) Insurance](https://spot.insure/compare/beazley-vs-hiscox/professional-errors-omissions)
- [Alliance Risk vs Beazley Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/cyber)
- [Alliance Risk vs Hiscox Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-hiscox/cyber)
- [Amelia Risk vs Beazley Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-beazley/cyber)
- [Amelia Risk vs Hiscox Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-hiscox/cyber)
- [At-Bay vs Beazley Cyber Insurance](https://spot.insure/compare/at-bay-vs-beazley/cyber)
- [At-Bay vs Hiscox Cyber Insurance](https://spot.insure/compare/at-bay-vs-hiscox/cyber)

## Sources

### Beazley

1. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; What we offer: Cyber coverage includes; SME placement paragraph. Accessed 2026-09-23.
2. [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.
3. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary). Beazley; ExecuGuard product introduction: combined EPL, D&O and fiduciary coverage for private organizations; What we offer: separate or shared limits, admitted or non-admitted; How can we help. Accessed 2026-09-16.
4. [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.
5. [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: Beazley Breach Response, integrated cyber risk management services, Beazley Security partnership; Beazley Breach Response Services; Vendor Services; Eligibility and myBeazley platform paragraph. Accessed 2026-09-23.
6. [Beazley MediaTech Sample Policy](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf). Beazley; F00731, 022019 edition; Breach Response, Regulatory Defense & Penalties, Payment Card Liabilities & Costs, First Party Data & Network Loss and eCrime insuring agreements; Definitions: Breach Response Costs, Cyber Extortion Loss, Security Breach; Limit of Liability and Coverage. Accessed 2026-09-23.
7. [Beazley Digital Media Tech Application](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf). Beazley; F00859, 042022 edition, Beazley Insurance Company, Inc.; pages 3-4 Ransomware Controls (MFA, VPN, patching, backups, security awareness training). Accessed 2026-09-23.

### Hiscox

8. [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.
9. [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.
10. [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.
11. [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. Accessed 2026-09-16.
12. [IT Professional & General Liability Insurance](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance). Hiscox; IT/technology professional audience; illustrative cyber breach-response example. Accessed 2026-09-16.
13. [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.. Accessed 2026-09-16.

### Cyber Insurance Guide

14. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.

Updated 2026-09-24. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](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/cyber.md)
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- [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)