--- title: "Beazley vs Hiscox: Cyber Insurance" description: "Hiscox lets eligible small businesses start a cyber quote online. Beazley's Full Spectrum Cyber is bought only through a broker and is capped at $35 million in revenue." canonical: "https://spot.insure/compare/beazley-vs-hiscox/cyber" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "beazley-vs-hiscox" provider-a: "beazley" provider-b: "hiscox" coverage-line: "cyber" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, 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://spot.insure/compare/beazley-vs-hiscox/cyber) ## Agent Guide **What this page is:** Focused comparison of Beazley and Hiscox for Cyber Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Cyber Insurance questions about Beazley versus Hiscox. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Beazley vs Hiscox for Cyber Insurance: how do they differ? - Which is better for Cyber Insurance, Beazley or Hiscox? - What does Beazley or Hiscox publish about Cyber Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Cyber Insurance. Providers: Beazley and Hiscox. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25. **Related pages:** - [Beazley vs Hiscox](https://spot.insure/compare/beazley-vs-hiscox) — all coverage lines for this pair - [Cyber Insurance guide](https://spot.insure/coverage/cyber) — how this coverage works - [Beazley profile](https://spot.insure/insurance-providers/beazley) — provider profile - [Hiscox profile](https://spot.insure/insurance-providers/hiscox) — provider profile # Beazley vs Hiscox: How Do They Compare for Cyber Insurance? Hiscox sells cyber directly online to small businesses and IT consultants; Beazley sells Full Spectrum Cyber through brokers on myBeazley for accounts under $35 million. Hiscox lets eligible small businesses start a cyber quote online; Beazley's Full Spectrum Cyber is broker-only and capped at $35 million in revenue. ## Beazley vs Hiscox Cyber Insurance Summary Hiscox lets eligible small businesses start a cyber quote online. Beazley's Full Spectrum Cyber is bought only through a broker and is capped at $35 million in revenue. [5](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [1](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") ## What Are the Key Differences Between Beazley and Hiscox Cyber Insurance? ### Direct Online Quote Versus a Broker Platform Hiscox sells cyber as a standalone small-business product, separate from its BOP cyber add-on, and says eligible buyers can get a quote online with a licensed-agent phone line for questions. Beazley's Full Spectrum Cyber is quoted and bound only by a broker on myBeazley, for accounts under $35 million in revenue and limits up to $5 million. Choose Hiscox if you want to start online without appointing a Beazley broker; choose Beazley if you already have a broker and fit that revenue cap. [5](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [1](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") ### Who the Page Says Issues the Policy Hiscox's appetite guide and About Hiscox US page name Hiscox Insurance Company Inc. as the underwriter of admitted Hiscox NOW cyber policies. Beazley's Full Spectrum Cyber page names no issuing insurer; the MediaTech application names Beazley Insurance Company, Inc., which is not confirmed for a cyber-only quote. [8](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [7](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [1](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") [4](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") ### Coverage Depth You Can Read Before You Apply Hiscox describes cyber as responding to data breaches, cyberattacks and related losses, with an illustrative breach-response example on its IT page, and does not describe ongoing security-monitoring services. Beazley's sample form names Breach Response Costs, Cyber Extortion Loss, business interruption and eCrime, and offers discounted vendor prevention tools through Beazley Security. [5](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [6](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") [1](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") ## What Should You Confirm in Beazley and Hiscox Cyber Insurance Quotes? - Ask Hiscox for limits and retentions; the cyber page does not publish standard amounts. [5](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") - Ask Beazley for the issuing entity and whether cyber shares a MediaTech aggregate. [1](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") [3](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf "Beazley MediaTech Sample Policy") - Confirm whether Hiscox would quote the standalone product or the BOP cyber add-on for your account. [5](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") ## Beazley vs Hiscox Cyber Insurance Compared | Criteria | Beazley Full Spectrum Cyber for Small Businesses | Hiscox Cyber Security Insurance | | --- | --- | --- | | 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. [1](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. [5](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [6](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..) | | 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. [1](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") [4](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. [5](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..) | | 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. [3](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. [5](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [6](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..) | | 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. [1](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") [2](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. [5](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..) | ## About Beazley and Hiscox and Cyber Insurance - [Beazley company profile](https://spot.insure/insurance-providers/beazley) · [Beazley customer reviews](https://spot.insure/insurance-providers/beazley/reviews) - [Hiscox company profile](https://spot.insure/insurance-providers/hiscox) · [Hiscox customer reviews](https://spot.insure/insurance-providers/hiscox/reviews) - [What Is Cyber Insurance?](https://spot.insure/coverage/cyber) ## Related Pages for Beazley vs Hiscox Cyber Insurance - [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 covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks. - [Beazley Cyber Insurance](https://spot.insure/insurance-providers/beazley/cyber) - [Hiscox Cyber Insurance](https://spot.insure/insurance-providers/hiscox/cyber) ## Sources for Beazley vs Hiscox Cyber Insurance ### Sources About Beazley 1. [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. 2. [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. 3. [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. 4. [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. ### Sources About Hiscox 5. [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. 6. [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. 7. [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. 8. [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. Updated 2026-09-25. 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) - [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)