---
title: "Berkshire Hathaway Specialty Insurance vs Hiscox"
description: "Hiscox offers eligible small businesses direct online purchase for common liability and package lines; BHSI publishes broader specialty underwriting with nonbinding web intake."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hiscox"
page-type: "provider-comparison"
updated-at: "2026-09-29"
---

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[Human-readable page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hiscox)

# Berkshire Hathaway Specialty Insurance vs Hiscox

Hiscox offers eligible small businesses direct online purchase for common liability and package lines; BHSI publishes broader specialty underwriting with nonbinding web intake.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Highlights

Hiscox describes online quoting and purchase for eligible small businesses, with coverage choices that include general liability, professional liability, BOP and cyber; it identifies Hiscox Inc. as producer and an affiliated Hiscox insurer for core NOW products. BHSI publishes a broader specialty portfolio but says its website intake does not bind, and contracted agents need state authority to bind. A small IT consultant looking for a direct online process can compare Hiscox’s eligibility and issued forms with the specific BHSI placement proposed for a more complex risk. [25](https://www.hiscox.com/small-business-insurance "Hiscox Small Business Insurance") [26](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") [40](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [29](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service")

## Provider Reliability Assessments

These sourced assessments are shown for context; this comparison does not select a winner.

### Berkshire Hathaway Specialty Insurance

Role: Insurance carrier.

Carrier & MGA Spot Score: **7.0/10** (partial score; 85% of this role's weighting included). Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Carrier-Network Strength (The supplied evidence did not support a score for Carrier-Network Strength; this factor is excluded, not scored as zero. Canonical evidence gaps: The AM Best rating carries a group-affiliation code, so it reflects the Berkshire Hathaway group rather than a standalone view.; No NAIC complaint index or state complaint data for BHSIC was found, so service outcomes are not measured.; Which BHSI-branded product is written on BHSIC paper versus an affiliate (Direct, Homestate, travel programs) is not mapped by product.; A state-by-state license lookup was not run; the all-states statement comes from the Nebraska exam report.; Non-U.S. regulators (FCA and PRA for the U.K. entity, Singapore, Australia and others) were not searched.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/reliability).

### Hiscox

Role: Hybrid role.

Broker Spot Score: **5.4/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Carrier & MGA Spot Score: **6.7/10** (partial score; 65% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/hiscox/reliability).

## Berkshire Hathaway Specialty Insurance Reviews

Review Score: not enough ratings.

The public ratings for Berkshire Hathaway Specialty Insurance are low but thin: Trustpilot shows 2.1 out of 5 from 9 reviews and BBB shows 1 out of 5 from 6. Both mix travel and commercial customers, so we don't count them in a score.

- Trustpilot: TrustScore 2.1 (out of 5); 9 reviews. Trustpilot profile for bhspecialty.com, accessed 2026-09-29. Its small review set mixes travel-policy and other customer accounts; it is user-generated and unverified, and does not establish commercial-policy outcomes or representativeness. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance Reviews](https://www.trustpilot.com/review/bhspecialty.com)
- BBB: Customer review average 1 (out of 5 stars); 6 reviews. BBB page for BHSI headquarters and corporate-owned locations, accessed 2026-09-29. The page’s six customer reviews mix travel and commercial narratives; BBB says third-party information is not verified. BBB’s business letter grade is separate from these customer reviews. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance — BBB Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/berkshire-hathaway-specialty-insurance-0021-439678/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/reviews).

## Hiscox Reviews

Review Score: 6.3 / 10 from 4 rated sources, equally weighted.

Hiscox’s review results are sharply divided: low Trustpilot and ConsumerAffairs scores contrast with strong Feefo feedback. Service quality deserves closer scrutiny before purchase.

- Trustpilot: TrustScore 1.4 (5 stars); 958 reviews. Global Hiscox brand profile, varied geography and products; not limited to US commercial policies. Period: 21 in prior 12 months as displayed. Checked 2026-09-25. [Hiscox Reviews | Trustpilot](https://www.trustpilot.com/review/www.hiscox.com)
- ConsumerAffairs: Consumer rating 1.5 (5 stars); 20 reviews. ConsumerAffairs page specific to Hiscox small-business insurance; updated 2026-08-14. Period: Updated 2026-08-14. Checked 2026-09-25. [Hiscox Small Business Insurance Reviews & Complaints](https://www.consumeraffairs.com/insurance/hiscox-small-business-insurance.html)
- BBB: BBB grade A+ (BBB letter grade). BBB profile for Hiscox Insurance Company, Inc. in Chicago; this legal insurer is in the canonical Hiscox provider record. Checked 2026-09-25. [Hiscox Insurance Company, Inc | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-companies/hiscox-insurance-company-inc-0654-88714362)
- Feefo (linked from Hiscox small-business site): Service score 4.7 (5 stars); 1563 reviews. Feefo service-feedback page identified for Hiscox US small-business insurance; past-year filter. Period: Past year as displayed. Checked 2026-09-25. [Hiscox Reviews | Feefo](https://www.feefo.com/en-US/reviews/hiscox?displayFeedbackType=BOTH&page=1&timeFrame=YEAR)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/hiscox/reviews).

## Introduction

Hiscox markets online quoting and purchase for small businesses and describes common options such as general liability, professional liability, business owners policies and cyber. Its company materials distinguish the producer from the insurer named for its core small-business policies. BHSI publishes specialty products across a wider set of commercial sectors; its website terms say online applications and quote submissions are nonbinding, and that only contracted National Indemnity group agents with state authority may bind, issue or change coverage. For a small IT consultant who wants to answer a short online questionnaire and buy an eligible professional-liability or package policy, Hiscox describes a direct path. A company with a more specialized operation may want to compare the product-specific terms and underwriting route available through BHSI. Hiscox’s listed menu and BHSI’s broader catalogue do not show that a particular risk will qualify or that the same coverage definitions apply.

Small professional and service firms, including IT consultants, can request Hiscox small-business coverage; startups may qualify depending on class, revenue and underwriting. [25](https://www.hiscox.com/small-business-insurance "Hiscox Small Business Insurance") [26](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") [47](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") (Evidence: Company-reported; scope: Company-described audience on current small-business, IT and July 2026 Hiscox NOW appetite materials. This does not establish eligibility for any particular Bay Area company, revenue band or class.; verified: 2026-09-16.)

Eligible small businesses can quote general liability, professional liability, cyber and BOP online by entering a ZIP code and answering questions; Hiscox says policy documents and certificates follow issuance by email. Confirm eligibility and effective date before relying on coverage. [40](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [31](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [25](https://www.hiscox.com/small-business-insurance "Hiscox Small Business Insurance") (Evidence: Company-reported; scope: Public quote-page and product-FAQ statements accessed 16 September 2026. Instant-coverage marketing is not a tested bind. Partner products use separate quote sites.; verified: 2026-09-16.)

[25](https://www.hiscox.com/small-business-insurance "Hiscox Small Business Insurance") [26](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service")



## Coverage Comparison

| Coverage Type | Berkshire Hathaway Specialty Insurance | Hiscox |
| --- | --- | --- |
| [Builders risk](https://spot.insure/coverage/builders-risk) | Listed: BHSI’s current U.S. Builder’s Risk page lists construction-project coverage, including hot testing/commissioning, delay and soft-cost features, and selectively considered Master Builder’s Risk programs. Project scope, eligibility, terms and issuer remain policy-specific. [22](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk") | Not listed |
| [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Not listed | Listed: Hiscox offers business owner’s policies for small businesses. [34](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") |
| [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Listed: BHSI's current Marine catalog lists Ocean Cargo, Stock Throughputs, and Project Cargo. The older US-12/22-A guide lists Project Cargo as out of appetite, so confirm its current status; BHSI lists Inland Marine separately. [9](https://www.bhspecialty.com/us-products/us-marine/ "Marine") [10](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview") | Not listed |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Listed: BHSI lists all-risk commercial property and selected single-peril options, including earthquake, flood, and windstorm. [11](https://www.bhspecialty.com/us-products/us-property/ "Property") [12](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf "General Property Appetite Guide") | Not listed |
| [Crime](https://spot.insure/coverage/crime) | Listed: BHSI lists Commercial Crime within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, employment-practices, fiduciary and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not a crime-specific limit. Crime coverage is distinct from fidelity bonds. [14](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") | Not listed |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed: BHSI markets a U.S. Network Security & Privacy product with third-party breach, response-expense and network-interruption features; its Professional First overview also describes stand-alone Cyber and blended E&O/Cyber forms. Product form, eligibility, terms and issuer depend on the risk and policy. [23](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/ "Professional First Network Security & Privacy Policy") [18](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") | Listed: Hiscox offers cyber insurance for small businesses. [33](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [26](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed: Executive First D&O liability materials describe separate public-company and private-company products. [13](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/do-liability-insurance/ "Executive First Directors & Officers Liability Insurance") [14](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") | Not listed |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed: BHSI lists employment-practices liability within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, fiduciary, crime and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not an EPL-specific limit. [14](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") | Not listed |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Listed: BHSI lists fiduciary liability within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, employment-practices, crime and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not a fiduciary-specific limit. [14](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") | Not listed |
| [General liability](https://spot.insure/coverage/general-liability) | Listed: BHSI lists primary general liability, with contractor and pollution features described in its casualty materials. [15](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [16](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") | Listed: Hiscox offers general liability insurance for small businesses. [31](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") |
| [Media liability](https://spot.insure/coverage/media) | Listed: BHSI’s Professional First overview names Media Liability, and its architects/engineers product describes media liability only within a specialized combined design-industry form. The overview’s catalogue listing does not establish standalone terms or current account availability. [18](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [19](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/professional-firsttm-architects-engineers-and-consultants-professional-liability/ "Professional First Architects, Engineers and Consultants Professional Liability") | Not listed |
| [Product liability](https://spot.insure/coverage/product-liability) | Listed: BHSI lists primary products and completed-operations liability as a casualty product. [15](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [16](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") | Not listed |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: Professional First materials describe a professional-liability portfolio with several professions and service types. [17](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/ "Professional First Professional Liability") [18](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [19](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/professional-firsttm-architects-engineers-and-consultants-professional-liability/ "Professional First Architects, Engineers and Consultants Professional Liability") | Listed: Hiscox offers professional errors and omissions insurance for small businesses. [32](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [26](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") |
| [Representations and warranties](https://spot.insure/coverage/representations-warranties) | Listed: BHSI lists Representations & Warranties Insurance within its Transactional Liability products. [20](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/transactional-liability/ "Transactional Liability") [21](https://www.bhspecialty.com/wp-content/uploads/marketing/Transactional-Liability-Overview-US.pdf "Transactional Liability Overview") | Not listed |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Listed: BHSI’s U.S. Surety page lists performance, payment, advance-payment, maintenance, supply and warranty bonds for contractor and construction-supplier accounts. Bond obligations depend on the bond form, principal, obligee and jurisdiction; this catalogue listing does not establish bond approval or terms. [24](https://www.bhspecialty.com/us-products/us-surety/ "Surety") | Not listed |
| [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Listed: Professional First materials identify Technology E&O as a professional-liability product. [18](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [19](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/professional-firsttm-architects-engineers-and-consultants-professional-liability/ "Professional First Architects, Engineers and Consultants Professional Liability") | Not listed |
| [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Listed: BHSI lists inland transit, motor-truck cargo, warehouse legal liability, contractor equipment, and floaters under Inland Marine. [9](https://www.bhspecialty.com/us-products/us-marine/ "Marine") | Not listed |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed: BHSI lists lead umbrella and excess casualty within its U.S. casualty products. [15](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [16](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") | Not listed |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Not listed | Listed: Hiscox provides access to workers’ compensation underwritten by Hartford Fire Insurance Company and requires a general liability policy. [35](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") |

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.



## 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://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## Key Differences Between Hiscox and Berkshire Hathaway Specialty Insurance

### Small-business lines and buyer route

Hiscox positions its small-business offer around individually selected policies for hundreds of professions, including IT service firms. Its site describes online options for liability, professional E&O, cyber and BOP coverage. BHSI’s guide organizes its portfolio around specialty products and commercial sectors rather than one small-business purchase path. A consultant whose client contract requests professional liability and cyber can ask Hiscox which eligible products can be purchased online and what each policy excludes; a buyer approaching BHSI should name the precise exposure and ask which form and underwriting company are available.

Small professional and service firms, including IT consultants, can request Hiscox small-business coverage; startups may qualify depending on class, revenue and underwriting. [25](https://www.hiscox.com/small-business-insurance "Hiscox Small Business Insurance") [26](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") [47](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") (Evidence: Company-reported; scope: Company-described audience on current small-business, IT and July 2026 Hiscox NOW appetite materials. This does not establish eligibility for any particular Bay Area company, revenue band or class.; verified: 2026-09-16.)

BHSI's U.S. industry focus spans real estate, public entities, financial institutions, healthcare, education, manufacturing, retail, logistics, transportation, energy, and technology. The at-a-glance guide associates these industries with particular product segments; it does not say every segment serves every listed industry. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") (Evidence: Company-reported; scope: Company-stated industry focus in the United States section of the At A Glance (U.S. section version 2026-8-03 A); industry lists are segment-specific, not a universal eligibility statement.; verified: 2026-09-29.)

### Online quote and effective coverage

Hiscox lets eligible small businesses start an online quote and says issued documents follow purchase; actual eligibility, coverage and effective date depend on the issued policy. BHSI’s online intake is explicitly nonbinding, with binding reserved to contracted agents who have authority for the state. A business needing evidence of insurance for a customer or property owner should verify the binder or issued declarations, the named insurer, effective date and limits before relying on a quote screen or completed questionnaire.

Eligible small businesses can quote general liability, professional liability, cyber and BOP online by entering a ZIP code and answering questions; Hiscox says policy documents and certificates follow issuance by email. Confirm eligibility and effective date before relying on coverage. [40](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [31](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [25](https://www.hiscox.com/small-business-insurance "Hiscox Small Business Insurance") (Evidence: Company-reported; scope: Public quote-page and product-FAQ statements accessed 16 September 2026. Instant-coverage marketing is not a tested bind. Partner products use separate quote sites.; verified: 2026-09-16.)

BHSI's website terms say online application or quote submissions are informational and nonbinding; only contracted agents of the National Indemnity group may bind coverage, issue policies or certificates, or change coverage. Group companies' authority also varies by state, so the terms do not show that every application must begin through an agent. [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: The website's own online submissions and binding authority described by BHSI's terms; not a statement about every product's intake process or a claim that purchase can be completed online.; verified: 2026-09-28.)

## What to Confirm in Quotes

- Ask Hiscox which legal insurer issues the policy, whether the class and revenue qualify, and whether cyber is included or separate from E&O or a BOP. [25](https://www.hiscox.com/small-business-insurance "Hiscox Small Business Insurance") [29](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use")
- Ask BHSI which product and insurer are proposed and confirm the contracted agent’s binding authority for the state. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service")
- Compare professional-services definitions, cyber triggers, limits, exclusions and effective dates in the issued forms. [26](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service")

## Compare Services

What each provider documents about the services you may need.

| Criteria | Berkshire Hathaway Specialty Insurance | Hiscox |
| --- | --- | --- |
| Business role | BHSI’s U.S. At A Glance section (version 2026-8-03 A) lists commercial property, casualty, healthcare professional liability, executive and professional lines, surety, travel, programs, employer stop loss, and homeowners insurance. The guide is informational, not policy coverage, and its brand-level list does not identify the insurer on a particular policy. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [2](https://www.bhspecialty.com/about-us/ "About Us") [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: A description of BHSI's U.S. line list in its U.S. At A Glance section (version 2026-8-03 A) only. The guide says its descriptions are informational and are not coverage; its brand-level list does not assign an issuing insurer to a particular product or policy. This is not a claim that one legal insurer issues every BHSI product.; verified: 2026-09-29.)<br><br>Berkshire Hathaway Specialty Insurance Company (BHSIC) identifies itself in its Singapore-branch public disclosure as a Nebraska-domiciled direct property and casualty insurer, wholly owned by National Indemnity Company, which is wholly owned by Berkshire Hathaway Incorporated. The Singapore-branch disclosure states this ownership chain. A Missouri Department of Insurance record separately lists BHSIC as active, NAIC 22276, and Property and Casualty in Missouri. Neither source identifies BHSIC as the issuer of every BHSI-branded U.S. policy. [3](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/ "Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch") [4](https://insurance.mo.gov/find-insurance-company/company-details?id=104347139 "Company Details — Berkshire Hathaway Specialty Insurance Company") [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Company-reported corporate identity and ownership in BHSI's Singapore-branch public disclosure, corroborated for company identity and Missouri P&C authority by the Missouri Department of Insurance record accessed 2026-09-28. Neither source maps BHSIC as issuer for every BHSI-branded U.S. product; use policy-specific documents for that.; verified: 2026-09-28.) | You can buy Hiscox’s core small-business policies online, and Hiscox’s own insurance company usually issues them rather than a partner. Hiscox Inc. is the producer; Hiscox Insurance Company Inc. is the affiliated insurer named for Hiscox NOW products. [29](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") [28](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.)<br><br>California buyers should verify current producer authority: Hiscox Inc. says it does business as Hiscox Insurance Agency and lists license 0F09668, a company disclosure not independently checked. [30](https://www.hiscox.com/small-business-insurance/california-business-insurance "California Business Insurance") [47](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [35](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") [29](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.) |
| Customer focus | BHSI's U.S. industry focus spans real estate, public entities, financial institutions, healthcare, education, manufacturing, retail, logistics, transportation, energy, and technology. The at-a-glance guide associates these industries with particular product segments; it does not say every segment serves every listed industry. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") (Evidence: Company-reported; scope: Company-stated industry focus in the United States section of the At A Glance (U.S. section version 2026-8-03 A); industry lists are segment-specific, not a universal eligibility statement.; verified: 2026-09-29.)<br><br>Within its U.S. executive-lines commercial and financial segment, BHSI lists publicly traded and large privately owned commercial firms; investment, money-center, national, and regional banks; asset managers; and insurance companies and brokerages. The size description applies to the commercial-firm entry, not every listed institution or all BHSI products. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") (Evidence: Company-reported; scope: Only the U.S. Executive Lines, Commercial & Financial segment, At A Glance p. 50. The “publicly traded and large privately owned” qualifier attaches to the Commercial Firms bullet only.; verified: 2026-09-28.) | Small professional and service firms, including IT consultants, can request Hiscox small-business coverage; startups may qualify depending on class, revenue and underwriting. [25](https://www.hiscox.com/small-business-insurance "Hiscox Small Business Insurance") [26](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") [47](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") (Evidence: Company-reported; scope: Company-described audience on current small-business, IT and July 2026 Hiscox NOW appetite materials. This does not establish eligibility for any particular Bay Area company, revenue band or class.; verified: 2026-09-16.) |
| Application process | BHSI's website terms say online application or quote submissions are informational and nonbinding; only contracted agents of the National Indemnity group may bind coverage, issue policies or certificates, or change coverage. Group companies' authority also varies by state, so the terms do not show that every application must begin through an agent. [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: The website's own online submissions and binding authority described by BHSI's terms; not a statement about every product's intake process or a claim that purchase can be completed online.; verified: 2026-09-28.) | Eligible small businesses can quote general liability, professional liability, cyber and BOP online by entering a ZIP code and answering questions; Hiscox says policy documents and certificates follow issuance by email. Confirm eligibility and effective date before relying on coverage. [40](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [31](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [25](https://www.hiscox.com/small-business-insurance "Hiscox Small Business Insurance") (Evidence: Company-reported; scope: Public quote-page and product-FAQ statements accessed 16 September 2026. Instant-coverage marketing is not a tested bind. Partner products use separate quote sites.; verified: 2026-09-16.) |

## Related Reading

- [What Is Berkshire Hathaway Specialty Insurance?](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance)
- [What Is Hiscox?](https://spot.insure/insurance-providers/hiscox)

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## Sources

### [Berkshire Hathaway Specialty Insurance Official Website](https://www.bhspecialty.com/)

1. [At A Glance](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf). Berkshire Hathaway Specialty Insurance; United States section, zero-based PDF pages 49–53 (viewer pages 50–54): product/industry lists on pages 49–50; U.S. disclosure/version footer on page 53 is 2026-8-03 A. The 2026-09-14 A footer is on preceding European page 48, not the U.S. section. Accessed 2026-09-29.
2. [About Us](https://www.bhspecialty.com/about-us/). Berkshire Hathaway Specialty Insurance; About BHSI; company profile page re-opened through official site on 2026-09-28; company says it is part of National Indemnity group. Accessed 2026-09-28.
3. [Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/). Berkshire Hathaway Specialty Insurance; Singapore branch public disclosure, Company Profile ¶¶ 1–2; direct page opened 2026-09-28. ¶ 1 identifies BHSIC as a Nebraska-domiciled direct P&C insurer; ¶ 2 states BHSIC is wholly owned by National Indemnity Company, itself wholly owned by Berkshire Hathaway Incorporated. Accessed 2026-09-28.
4. [Company Details — Berkshire Hathaway Specialty Insurance Company](https://insurance.mo.gov/find-insurance-company/company-details?id=104347139). Missouri Department of Insurance; Company Details fields: legal name, active license status, NAIC number 22276, and Property and Casualty description; Missouri regulator record also lists 2025 property-casualty lines. Accessed 2026-09-28. Accessed 2026-09-28.
5. [Terms of Service](https://www.bhspecialty.com/terms-conditions/). Berkshire Hathaway Specialty Insurance; Important Information Concerning Use of this Web Site, paragraphs 2–4; nonbinding submissions, contracted-agent authority, state variation, product availability and policy-specific terms. Accessed 2026-09-28.
6. [United States](https://www.bhspecialty.com/us-products/). Berkshire Hathaway Specialty Insurance; United States products directory, opened 2026-09-28. Rendered page lists U.S. category links and Casualty/Property headings (lines 6–44); this directory view is navigation, not the linked product pages or a full review of product materials. Accessed 2026-09-28.
7. [Claims — United States](https://www.bhspecialty.com/claims/). Berkshire Hathaway Specialty Insurance; Claims Reporting, lines 34–91; separate product-specific directions, then “All other claims” email, 24-hour toll-free phone, postal/overnight mail. Accessed 2026-09-28.
8. [Claims Excellence — United States](https://www.bhspecialty.com/wp-content/uploads/2024/11/Claims-Excellence-US.pdf). Berkshire Hathaway Specialty Insurance; Claims Service Standards, version US 2024-10-07A in footer/document end; page 2 lines 30–34 describe coverage discussion and third-party settlement communications. Accessed 2026-09-28.
9. [Marine](https://www.bhspecialty.com/us-products/us-marine/). Berkshire Hathaway Specialty Insurance; Inland and ocean marine product list, covered property classes and target businesses; lines 18-69. Accessed 2026-09-28.
10. [Ocean Marine Cargo Overview](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf). Berkshire Hathaway Specialty Insurance; Two-page U.S. marketing PDF marked US-12/22-A; product types lines 14-20; ocean marine cargo appetite, capacity and placement lines 43-57; out-of-appetite and target risk characteristics lines 58-72; terms disclaimer lines 103-114. Accessed 2026-09-28.
11. [Property](https://www.bhspecialty.com/us-products/us-property/). Berkshire Hathaway Specialty Insurance; All-risk, single-peril, catastrophe, inland/ocean marine and builder's risk offerings; target account descriptions. Accessed 2026-09-28.
12. [General Property Appetite Guide](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf). Berkshire Hathaway Specialty Insurance; Page 1: minimum premium, product/forms, territory, attachment and working capacity; page 2 footer identifies 2026-02-10 A; lines 0-9, 89-99. Accessed 2026-09-28.
13. [Executive First Directors & Officers Liability Insurance](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/do-liability-insurance/). Berkshire Hathaway Specialty Insurance; Product Highlights: government investigations, shareholder derivative actions, late-notice qualification, defense counsel selection; Top Targets: large commercial and financial firms, lines 6–19. Accessed 2026-09-28.
14. [Executive First Private Company Portfolio](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/). Berkshire Hathaway Specialty Insurance; Product Highlights: D&O, EPL, Fiduciary, Commercial Crime and Employed Lawyers in one comprehensive form; shared or separate limits to $50m; EPL First services. Top Targets: private companies at $10m+ revenues and listed industries, lines 11–25. Portfolio limit is not a separate line limit. Accessed 2026-09-28.
15. [Casualty Appetite Guide - U.S.](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf) Berkshire Hathaway Specialty Insurance; Casualty appetite PDF page 1: $50K minimum premium, GL/products/lead umbrella/excess lines, selected $10M excess capacity, placement forms and target/avoided classes; guide dated 2026-07-15. Accessed 2026-09-28.
16. [Casualty](https://www.bhspecialty.com/us-products/us-casualty/). Berkshire Hathaway Specialty Insurance; US casualty product lines and features: Primary General Liability lines 10-34; Primary Products/Completed Operations Liability 35-44; Lead Umbrella and Excess Casualty 46-63. Accessed 2026-09-28.
17. [Professional First Professional Liability](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/). Berkshire Hathaway Specialty Insurance; U.S. Professional Liability landing page links Professional Liability / Network Security & Privacy, stand-alone Network Security & Privacy, and Architects, Engineers and Consultants PL, lines 6–15; footer copyright © 2026. Accessed 2026-09-28.
18. [Professional First Professional Liability Overview](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf). Berkshire Hathaway Specialty Insurance; PDF pp.1–2: claims group and reporting; primary blended E&O/Cyber and stand-alone Cyber forms; line capacity statement; named Lawyers PL, Technology E&O, Miscellaneous PL, Media Liability, Network Security & Privacy; named technology-services target types and selection categories; dated 2026-06-03-A. Group capacity not a line policy limit. Source version: 2026-06-03-A. Accessed 2026-09-28.
19. [Professional First Architects, Engineers and Consultants Professional Liability](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/professional-firsttm-architects-engineers-and-consultants-professional-liability/). Berkshire Hathaway Specialty Insurance; Product Highlights: professional/pollution liability; media, technology and cyber/network security/privacy liability; direct breach/extortion expenses; risk services; primary/excess and project-specific product availability; target professions, lines 6–29. Its combined-form technology feature is not itself a standalone Tech E&O statement. Accessed 2026-09-28.
20. [Transactional Liability](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/transactional-liability/). Berkshire Hathaway Specialty Insurance; Product Highlights list R&W, tax, contingent-liability and class-action-settlement insurance; Top Targets list manufacturing, financial institutions, technology, real estate, energy, healthcare and retail, lines 6–27. The target list is for the transactional-liability portfolio, not exclusive R&W eligibility. Accessed 2026-09-28.
21. [Transactional Liability Overview](https://www.bhspecialty.com/wp-content/uploads/marketing/Transactional-Liability-Overview-US.pdf). Berkshire Hathaway Specialty Insurance; PDF pp.1–2: R&W, tax, contingent-liability, and class-action-settlement products; portfolio-wide primary/excess and up-to-$25m capacity; premiums/retentions vary by transaction/risk; portfolio appetite and in-house claims group; R&W buyer-use descriptions; dated 2025-05-16-A. Product-specific limits and final terms not stated. Source version: 2025-05-16-A. Accessed 2026-09-28.
22. [Builder’s Risk](https://www.bhspecialty.com/us-products/us-builders-risk/). Berkshire Hathaway Specialty Insurance; Current U.S. page: all-risk, hot testing/commissioning, delay/startup/soft costs, single-peril/DIC primary/excess; separate EAR and CAR target categories; Master Builder’s Risk selectively considered, lines 6–35. Reopened 2026-09-28. Accessed 2026-09-28.
23. [Professional First Network Security & Privacy Policy](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/). Berkshire Hathaway Specialty Insurance; Product Highlights: third-party breach exposures, regulatory investigations/fines/penalties, direct breach/extortion expenses, electronic-content media liability, business interruption from network-security failure, eRiskHub; Top Targets: professional-services firms, lines 6–19. Accessed 2026-09-28.
24. [Surety](https://www.bhspecialty.com/us-products/us-surety/). Berkshire Hathaway Specialty Insurance; Product Highlights name performance, payment, advance-payment, maintenance, supply and warranty bonds; Top Targets name regional/national/global contractors and construction suppliers/services; PPP/project-delivery capability; lines 6–32. Accessed 2026-09-28.

### [Hiscox Official Website](https://www.hiscox.com/small-business-insurance)

25. [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.
26. [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.
27. [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.
28. [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.
29. [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.
30. [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.
31. [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.
32. [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.
33. [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.
34. [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.
35. [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.
36. [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.
37. [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.
38. [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.
39. [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.
40. [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.
41. [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.
42. [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.
43. [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.
44. [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.
45. [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.
46. [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.
47. [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.
48. [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.
49. [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.
50. [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. Accessed 2026-09-16.
51. [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.
52. [Commercial Auto Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/commercial-auto-insurance). Hiscox; The canonical commercial-auto URL currently resolves to a general small-business quote/coverage surface without the asserted GEICO referral. No evidence was found on the inspected page supporting that exact current partner assertion. Accessed 2026-09-29.
53. [Specific Business Insurance Coverages](https://www.hiscox.com/small-business-insurance/other-insurance). Hiscox; Current page names Tivly and lists umbrella, EPL, commercial property and inland marine. It does not support the rendered fact's CyberPolicy route for commercial auto/D&O/EPL/umbrella. Accessed 2026-09-29.

Updated 2026-09-29. 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.

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