--- title: "Embroker vs Hiscox" description: "Embroker is a startup-oriented broker with proprietary tech and management programs; Hiscox is a small-business carrier with a public online quote. Compare brokerage programs with carrier-direct policies." canonical: "https://spot.insure/compare/embroker-vs-hiscox" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Embroker", "Hiscox"] --- [Human-readable page](https://spot.insure/compare/embroker-vs-hiscox) # Embroker vs Hiscox Embroker is a startup-oriented broker with proprietary tech and management programs; Hiscox is a small-business carrier with a public online quote. Compare brokerage programs with carrier-direct policies. ## Research Scope and Use Use this comparison to evaluate Embroker and Hiscox against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights Embroker Insurance Services LLC places proprietary programs such as EMIS and Tech E&O/Cyber, naming Everspan and other insurers, and also shops a broader catalogue. Hiscox Insurance Company Inc. underwrites its own small-business liability and BOP available online. Embroker is a substitute only when you want a broker of record and program forms; Hiscox is the carrier path when you want Hiscox paper without appointing Embroker. [1](https://www.embroker.com/ "Embroker") [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") [42](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/terms-of-use "Website Terms & Conditions of Use") ## Introduction A funded technology company that needs directors and officers liability plus technology errors and omissions is not choosing between two copies of the same application. Embroker is a broker and program distributor whose Management Insurance Suite (EMIS) and Tech E&O/Cyber program name insurers and appetite rules. Hiscox offers small-business general liability, professional liability, cyber and a business owner’s policy. An Embroker tech package is not, by itself, a Hiscox Insurance Company Inc. policy. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") [42](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") ## Documented Provider Strengths ### Embroker - Its Management Insurance Suite brings several management coverages into one application, with technology E&O/cyber for eligible technology businesses. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") (Evidence: Company-reported; scope: 19 August 2026 launch, new-business product. Company report of structure, not policy wording or proof of same-session binding.; verified: 2026-09-15.) - Separate technology and law-firm packages group coverage around those businesses’ activities, subject to the offered policy terms. [17](https://www.embroker.com/non-funded-tech-companies/ "Insurance For Technology Companies") [16](https://www.embroker.com/law/ "Law Firm Insurance Package") (Evidence: Company-reported; scope: Current direct industry tabs. Optional hired/non-owned auto is not counted as a standalone coverage line.; verified: 2026-09-15.) ### Hiscox - Hiscox Inc., a Delaware producer, handles online small-business sales; Hiscox Insurance Company Inc. is the affiliated admitted insurer named for Hiscox NOW products. [31](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") [30](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") (Evidence: Company-reported; scope: Legal roles stated in current terms (last modified May 28, 2024) and the About Hiscox US page. Exact contracting entity still depends on product, channel and policy.; verified: 2026-09-16.) - Eligible applicants can quote Hiscox general liability, professional liability/E&O, cyber and a business owner’s policy online. [42](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [33](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [34](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [35](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [36](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [28](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") (Evidence: Company-reported; scope: Current Hiscox small-business product and quote pages. Names establish marketed Hiscox NOW-style products, not limits, retroactive dates, exclusions or class eligibility.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | Embroker | Hiscox | | --- | --- | --- | | Business owner’s policy | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [36](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") | | Commercial auto | Listed [21](https://www.embroker.com/coverage/commercial-auto-insurance/ "Commercial Auto Insurance") | Listed [38](https://www.hiscox.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance for Small Businesses") | | Commercial property | Listed [22](https://www.embroker.com/coverage/commercial-property-insurance/ "Commercial Property Insurance") | Not listed | | Crime | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Not listed | | Cyber liability | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [35](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [28](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") | | Directors and officers | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Not listed | | Employment practices liability | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Not listed | | Fiduciary liability | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Not listed | | General liability | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [33](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") | | Key person | Listed [20](https://www.embroker.com/coverage/key-person-insurance/ "Key Person Insurance") | Not listed | | Management liability | Listed [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") | Not listed | | Medical malpractice | Not listed | Listed [39](https://www.hiscox.com/small-business-insurance/medical-malpractice-insurance "Medical Malpractice Insurance") | | Product liability | Listed [24](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance") | Not listed | | Professional liability / E&O | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") [14](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/ "Lawyers Professional Liability — Broker Program") | Listed [34](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [28](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") | | Surety bonds | Listed [23](https://www.embroker.com/coverage/surety-bonds/ "Surety Bonds") | Not listed | | Technology errors and omissions | Listed [11](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Tech E&O / Cyber — Broker Program") | Not listed | | Umbrella and excess liability | Listed [13](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/ "Excess Tech E&O / Cyber") | Not listed | | Venture capital asset protection | Listed [25](https://www.embroker.com/venture-capital-private-equity-firms/ "Insurance For Venture Capital And Private Equity Firms") | Not listed | | Workers’ compensation | Listed [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [37](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between Embroker and Hiscox ### Broker of Record Versus Hiscox as Insurer Embroker’s terms require a broker- or agent-of-record designation to use its brokerage service. Hiscox’s consumer path does not appoint a third-party broker; Hiscox Insurance Company Inc. is the admitted company for the Hiscox small-business products. If you later move brokers, Embroker says you lose its account-based certificate tools. [2](https://www.embroker.com/terms/ "Terms And Conditions") [50](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3358&event=companyProfile "Hiscox Insurance Company Inc. Company Profile") ### EMIS and Tech Programs Versus Hiscox Core Lines Embroker’s Management Insurance Suite combines directors and officers, employment practices and fiduciary liability, with Everspan named for EMIS and excess Tech E&O/Cyber. Its tech program targets private for-profit technology companies below $300 million revenue. Hiscox lists general liability, professional liability, cyber and a business owner’s policy for online quoting, and refers workers compensation, commercial auto and group health to partner pages. Those Hiscox pages do not list an EMIS-style directors and officers suite under the same names. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [42](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") ### How Quoting Starts Embroker’s public quote-start asks for company name and whether the company has a website, then underwriting can still decline. Hiscox starts with a zip code and business type and may route some classes to specialists or partner carriers. Neither start is a bind. [26](https://app.embroker.com/signup "Start An Embroker Quote") [42](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") ## What to Confirm in Quotes - **Named insurer** on any Embroker proposal (Everspan or another company) versus Hiscox Insurance Company Inc. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") - **Whether you need directors and officers, employment practices or fiduciary coverage**, which Embroker packages in EMIS. Hiscox’s online product list used as a source does not use those EMIS product names. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") - **Tech E&O exclusions and AI endorsements** on Embroker’s program versus Hiscox professional liability and cyber forms. [34](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [18](https://www.embroker.com/blog/embroker-launches-ai-coverage/ "Embroker’s AI Coverage") ## Service Comparison Embroker vs Hiscox: documented services and availability. | Criteria | Embroker | Hiscox | | --- | --- | --- | | Business role | Embroker Insurance Services LLC is the producer named in its public lawyers’ liability specimen. Florida’s corporate record lists Embroker, Inc. as the LLC’s authorized member. That identifies a corporate relationship, not the insurer on your policy. [15](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf "Everest Elevation Lawyers Professional Liability — Specimen") [7](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forl-m15000008735-158ae97b-a8ff-4f0b-8741-df22b86b81c9&directionType=Initial&inquirytype=EntityName&listNameOrder=EMBROIDUSA+P070000384650&searchNameOrder=EMBROKERINSURANCESERVICES+M150000087350&searchTerm=EMBROIDUSA%2CINC. "Embroker Insurance Services LLC — Entity Record") (Evidence: Company-reported; scope: Exact producer name from specimen declarations, corroborated corporate identity in Florida. No claim to establish the full ownership chain, current capitalization or nationwide licensure.; verified: 2026-09-15.)

Embroker distributes proprietary programs through its own channel and through other brokers using Embroker Access. Its terms also allow it to perform underwriting work for insurers under their guidelines; the issuing insurer bears the policy obligations. [10](https://access.embroker.com/ "Embroker Access") [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Program distribution and delegated work as described by the company. Not a finding of statutory MGA status or identical authority on every product.; verified: 2026-09-15.)

The reviewed corporate record identifies Embroker, Inc. as an authorized member of the producer LLC; it does not establish Embroker, Inc.’s ultimate beneficial ownership. [7](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forl-m15000008735-158ae97b-a8ff-4f0b-8741-df22b86b81c9&directionType=Initial&inquirytype=EntityName&listNameOrder=EMBROIDUSA+P070000384650&searchNameOrder=EMBROKERINSURANCESERVICES+M150000087350&searchTerm=EMBROIDUSA%2CINC. "Embroker Insurance Services LLC — Entity Record") (Evidence: Not found in reviewed sources; scope: Scoped ownership research: official About history and Florida company record. No current controlling external parent established; funding/partnership is not ownership proof.; verified: 2026-09-15.) | Hiscox is the brand name used by its U.S. insurance businesses. Website terms identify Hiscox Inc., a Delaware corporation headquartered in Atlanta, as a licensed insurance intermediary for admitted and surplus-lines business. About Hiscox US names Hiscox Insurance Company Inc. (NAIC 10200) as the affiliated insurer and Hiscox Inc. as its general agent. Broker-only pages are restricted to licensed market professionals; the small-business section is the consumer product path. [31](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") [30](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") (Evidence: Company-reported; scope: Legal roles stated in current terms (last modified May 28, 2024) and the About Hiscox US page. Exact contracting entity still depends on product, channel and policy.; verified: 2026-09-16.)

In California, Hiscox Inc. says it does business as Hiscox Insurance Agency and publishes producer license number 0F09668. Its current producer-license status remains independently unverified; the number is company-reported. [32](https://www.hiscox.com/small-business-insurance/california-business-insurance "California Business Insurance") [49](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [37](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") [31](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") (Evidence: Company-reported; scope: California producer identity as published on Hiscox pages accessed 16 September 2026. Not a substitute for a live CDI Check a License search at purchase.; verified: 2026-09-16.) | | Coverage lines | Embroker’s August 2026 Management Insurance Suite (EMIS) brings D&O, employment practices, fiduciary liability and, for eligible technology companies, Tech E&O/Cyber into one application. Buyers may select individual coverages or a bundle. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") (Evidence: Company-reported; scope: 19 August 2026 launch, new-business product. Company report of structure, not policy wording or proof of same-session binding.; verified: 2026-09-15.)

The broker Tech E&O/Cyber program targets private, for-profit technology companies with revenue below $300 million. It requires multifactor authentication for accounts above $5 million in revenue and excludes businesses involved in crypto, blockchain or cannabis. [11](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Tech E&O / Cyber — Broker Program") (Evidence: Company-reported; scope: Current Embroker Access primary program appetite. Not applied to all Embroker products or proof of eligibility for a particular account.; verified: 2026-09-15.)

Embroker’s retail Tech E&O page lists intellectual-property infringement, copyright and libel among exclusions, while its broker program advertises software-code infringement coverage. The public descriptions do not reconcile that difference; request the proposed form and endorsements for your activities. [12](https://www.embroker.com/coverage/tech-errors-omissions/ "Technology Errors And Omissions / Cyber") [11](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Tech E&O / Cyber — Broker Program") (Evidence: Conflicting sources; scope: Retail What’s not included and FAQ versus Access Additional features. Product version and exact covered IP rights are unresolved; no conclusion of blanket IP protection or exclusion.; verified: 2026-09-15.)

Embroker describes an AI endorsement for eligible Tech E&O/Cyber quotes addressing AI services, discrimination allegations and regulatory-investigation defense. It advertises up to $150,000 for algorithm-removal expenses. Obtain the endorsement to check triggers, exclusions and how that sublimit relates to the policy limit. [18](https://www.embroker.com/blog/embroker-launches-ai-coverage/ "Embroker’s AI Coverage") (Evidence: Company-reported; scope: Company product announcement, not a policy-form analysis. Article displays May 2026 publication but says effective August 2025 and references the Startup Program; applicability to a particular EMIS or legacy quote must be confirmed.; verified: 2026-09-15.)

Embroker Access advertises up to $5 million of excess Tech E&O/Cyber above eligible underlying insurance. Its appetite requires a primary limit of at least $1 million and Tech E&O, with or without cyber; cyber-only underlying insurance is ineligible. [13](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/ "Excess Tech E&O / Cyber") (Evidence: Company-reported; scope: Access excess program, private for-profit businesses below $300 million revenue; no claim that all carrier forms qualify.; verified: 2026-09-15.)

The retail Tech E&O FAQ says Embroker’s excess product cannot sit above an Embroker primary policy. An Embroker primary buyer therefore needs a separate answer about how to obtain higher limits. [12](https://www.embroker.com/coverage/tech-errors-omissions/ "Technology Errors And Omissions / Cyber") (Evidence: Company-reported; scope: Retail FAQ restriction; do not interpret the broker page’s 50+ primary carriers as markets Embroker shops or automatically compatible forms.; verified: 2026-09-15.)

The broker lawyers’ professional liability (LPL) program lists firms with 1–25 attorneys, no claims or law-license disciplinary actions, a physical address and risk-management and docket controls. It advertises pre-claim assistance without a deductible and defense-cost options. [14](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/ "Lawyers Professional Liability — Broker Program") (Evidence: Company-reported; scope: Current Access LPL appetite and features; not a finding that larger or claims-affected firms cannot obtain any insurance through Embroker brokerage.; verified: 2026-09-15.)

The public Everest LPL specimen uses claims-made coverage: its insuring agreement ties protection to when a claim is made and reported and to a retroactive date for the underlying work. Its base wording makes claim expenses reduce the liability limit. Current marketing also describes defense costs outside the limit, so check which endorsements your quote includes. [15](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf "Everest Elevation Lawyers Professional Liability — Specimen") [14](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/ "Lawyers Professional Liability — Broker Program") (Evidence: Company-reported; scope: Specimen LPL-CWF100A-1 0319, PDF p. 5, and LPL-CWF001A-1 0319 declarations, PDF p. 2. A 2019 specimen is not evidence of every current policy version; options may explain different defense treatment.; verified: 2026-09-15.)

The main catalogue offers business owner’s policies, general liability, commercial crime, cyber, D&O, employment practices, fiduciary liability, professional liability (including lawyers’ liability), Tech E&O/Cyber and workers’ compensation. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") (Evidence: Company-reported; scope: Direct coverage cards and quote links; professional E&O consolidated separately from technology E&O and fiduciary liability. Website descriptions do not establish policy entitlements.; verified: 2026-09-15.)

Embroker also has direct offerings for commercial auto, commercial property, product liability, surety bonds and key person life insurance, plus venture capital asset protection (VCAP) for investment firms. [21](https://www.embroker.com/coverage/commercial-auto-insurance/ "Commercial Auto Insurance") [22](https://www.embroker.com/coverage/commercial-property-insurance/ "Commercial Property Insurance") [24](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance") [23](https://www.embroker.com/coverage/surety-bonds/ "Surety Bonds") [20](https://www.embroker.com/coverage/key-person-insurance/ "Key Person Insurance") [25](https://www.embroker.com/venture-capital-private-equity-firms/ "Insurance For Venture Capital And Private Equity Firms") (Evidence: Company-reported; scope: Accessible dedicated offering pages beyond the main coverage grid. No separate medical malpractice, fidelity bond, builders risk or employee benefits offering inferred from educational text or redirected URLs.; verified: 2026-09-15.)

The technology package combines Tech E&O/Cyber with a business owner’s policy. The law-firm package groups lawyers’ professional liability, cyber, a business owner’s policy and workers’ compensation. The package names do not establish identical terms across industries. [17](https://www.embroker.com/non-funded-tech-companies/ "Insurance For Technology Companies") [16](https://www.embroker.com/law/ "Law Firm Insurance Package") (Evidence: Company-reported; scope: Current direct industry tabs. Optional hired/non-owned auto is not counted as a standalone coverage line.; verified: 2026-09-15.) | Hiscox directly markets and offers online quotes for general liability, professional liability (errors and omissions), cyber security insurance and a business owner’s policy that combines general liability with commercial property. IT pages present those same lines for technology consultants rather than a separately named technology E&O policy. Website examples and coverage lists are illustrative; the issued policy controls. [42](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [33](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [34](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [35](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [36](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [28](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") (Evidence: Company-reported; scope: Current Hiscox small-business product and quote pages. Names establish marketed Hiscox NOW-style products, not limits, retroactive dates, exclusions or class eligibility.; verified: 2026-09-16.)

Hired/non-owned auto and commercial crime are described as upgrades to a Hiscox business owner’s policy, not standalone Hiscox policies. Crime is not sold separately and is not available in all states. HNOA is tied to the BOP occurrence limit and does not replace commercial auto for vehicles the business owns or regularly operates. [46](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Car Liability Insurance") [47](https://www.hiscox.com/small-business-insurance/business-owner-insurance/commercial-crime "Commercial crime insurance for small businesses") [36](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") (Evidence: Company-reported; scope: Current HNOA and commercial-crime product pages. Availability by state and class was not independently matrixed beyond those pages and the 2026 appetite guide.; verified: 2026-09-16.)

Hiscox also markets partner coverage for workers’ compensation (Hartford Fire, generally requiring a Hiscox general-liability policy), commercial auto (GEICO referral and, separately, CyberPolicy), medical malpractice (NOW Insurance), short-term liability (Thimble/Markel), and CyberPolicy quotes for umbrella, directors and officers, and employment practices liability. Those pages are partner access paths, not proof that Hiscox Insurance Company Inc. issues the policy. [37](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") [38](https://www.hiscox.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance for Small Businesses") [39](https://www.hiscox.com/small-business-insurance/medical-malpractice-insurance "Medical Malpractice Insurance") [40](https://www.hiscox.com/small-business-insurance/short-term-liability-insurance "Short-Term Liability Insurance for Small Businesses") [41](https://www.hiscox.com/small-business-insurance/other-insurance "Specific Business Insurance Coverages") [52](https://www.hiscox.com/brokers/management-liability "Management Liability Insurance Executive Risks") (Evidence: Company-reported; scope: Current partner product pages. Broker-channel Hiscox C-Suite management liability is a different offering from the CyberPolicy D&O/EPLI links.; verified: 2026-09-16.) | | Access to insurers | Embroker names Everspan Indemnity Insurance Company as the insurer for EMIS and its excess Tech E&O/Cyber program. Its lawyers’ professional liability program names Everest National Insurance Company. These are product-specific relationships, not one carrier for the entire catalogue. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [13](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/ "Excess Tech E&O / Cyber") [14](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/ "Lawyers Professional Liability — Broker Program") [15](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf "Everest Elevation Lawyers Professional Liability — Specimen") (Evidence: Company-reported; scope: Current program marketing and LPL specimen; financial-strength ratings and admission status not independently checked, so no rating assigned here.; verified: 2026-09-15.) | Hiscox NOW appetite and About Hiscox US say admitted small-business products described there are underwritten by Hiscox Insurance Company Inc., a Chicago-based insurer licensed in all 50 states and D.C. The California Department of Insurance independently identifies that company as an Illinois-domiciled property-and-casualty insurer, NAIC 10200, California Company ID 1439-9, authorized in California since 14 September 1953 with unlimited-normal status. Hiscox’s California marketing page also cites Illinois license number 8754, which is not the CDI company ID; reconcile names and numbers on the quote. [50](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3358&event=companyProfile "Hiscox Insurance Company Inc. Company Profile") [51](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=59700&s=Active&t=INS "Hiscox Insurance Company Inc.") [30](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [49](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [32](https://www.hiscox.com/small-business-insurance/california-business-insurance "California Business Insurance") (Evidence: Verified; scope: Admitted Hiscox NOW GL, professional liability, cyber and BOP as described in 2026 appetite and About pages, plus CDI/Illinois regulator records for the named insurer. Regulator authorization is not proof that a given class is written in California today.; verified: 2026-09-16.)

Hiscox refers small-business buyers to other insurers or marketplaces for several products: workers’ compensation is underwritten by Hartford Fire Insurance; the commercial-auto page refers customers to GEICO and affiliates; medical malpractice is accessed through NOW Insurance, which Hiscox says is not affiliated with the Hiscox group; short-term liability is underwritten by Markel Insurance Company through Thimble. A separate other-insurance page instead partners with CyberPolicy for commercial auto, umbrella, directors and officers, and employment practices liability. The issuing company on a partner quote is therefore not assumed to be Hiscox Insurance Company Inc. [37](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") [38](https://www.hiscox.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance for Small Businesses") [39](https://www.hiscox.com/small-business-insurance/medical-malpractice-insurance "Medical Malpractice Insurance") [40](https://www.hiscox.com/small-business-insurance/short-term-liability-insurance "Short-Term Liability Insurance for Small Businesses") [41](https://www.hiscox.com/small-business-insurance/other-insurance "Specific Business Insurance Coverages") (Evidence: Company-reported; scope: Current Hiscox product-page footers and partner statements. Two commercial-auto routes (GEICO referral and CyberPolicy) are published simultaneously; this research did not determine which path a given zip code receives.; verified: 2026-09-16.)

Hiscox Inc. says it is an approved Lloyd’s coverholder and underwrites surplus-lines business on behalf of Lloyd’s Syndicates 33 and 3624, with U.S. surplus-lines placements made by licensed surplus-lines brokers. Terms also say Hiscox Inc. may place admitted and surplus-lines business with Hiscox Insurance Company Inc., other domestic insurers, and Lloyd’s syndicates. That surplus-lines route is described as distinct from the online small-business catalogue. [30](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [31](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") (Evidence: Company-reported; scope: Company disclosures on About Hiscox US and website terms. This does not establish that a California online small-business quote uses Lloyd’s paper.; verified: 2026-09-16.) | | Application process | The public quote-start screen asks for a company name and whether the company has a website. It links the terms and compensation disclosure before continuing. [26](https://app.embroker.com/signup "Start An Embroker Quote") (Evidence: Company-reported; scope: Read-only Chrome observation of https://app.embroker.com/signup on 15 September 2026; no data entered, Continue not clicked, no account created.; verified: 2026-09-15.)

An account alone does not appoint Embroker as your broker. Using its brokerage service requires a broker- or agent-of-record designation and exclusive work with Embroker for those services unless otherwise agreed. [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Terms §2A; distinction between software access and brokerage engagement, not an interpretation of enforceability.; verified: 2026-09-15.)

An application may need additional underwriting information or be declined; a quote itself does not put insurance in force. [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Terms §13. No quote or binding transaction performed.; verified: 2026-09-15.) | Hiscox says eligible buyers can get a small-business quote online by entering a zip code and answering questions, and that general liability, professional liability, cyber and BOP are offered online. Licensed advisors are available by phone at posted Eastern Time hours. The general-liability FAQ says that after the application is completed, the policy is issued by email and a certificate appears in welcome documents. These are company-described steps; eligibility and binding conditions require confirmation on the actual application. [42](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [33](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [27](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.) | | Fees and compensation | Embroker’s software is free. Insurance services can generate insurer commissions, contingent compensation linked to business results, and supplemental commissions. Embroker may also negotiate client fees alongside or instead of commissions, approved before binding, usually in writing. [3](https://www.embroker.com/disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Compensation disclosure; no policy-specific rate or amount established. Free software does not mean free insurance or zero distribution compensation.; verified: 2026-09-15.)

Payment processors and premium-finance lenders can add their own charges. Ask for the total cost and installment terms separately from Embroker’s compensation. [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Terms §§2A and 22; no specific financing offer reviewed.; verified: 2026-09-15.) | Hiscox’s general-liability FAQ says buyers may pay annually or monthly with no additional fees, using debit or credit card. The California small-business page also lists monthly, quarterly, semi-annual and annual options with no fees. Product pages advertise up to a 5% discount for bundling certain Hiscox coverages. Published tables of monthly cost are labeled illustrative and are not quotes. [33](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [32](https://www.hiscox.com/small-business-insurance/california-business-insurance "California Business Insurance") [36](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") (Evidence: Company-reported; scope: Company-stated payment options for described liability products. Partner policies may use different billing. No inference that every product or state has zero installment fees.; verified: 2026-09-16.)

The reviewed Hiscox small-business, terms-of-use and appetite pages do not publish a buyer-facing commission, producer-fee or contingent-commission schedule. The 2026 appetite guide states that actual cost, commission, premium and coverage may vary with underwriting. Amounts payable besides premium therefore remain not disclosed in those sources. [49](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [31](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") [33](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") (Evidence: Not publicly disclosed; scope: Public consumer and agent appetite materials reviewed 16 September 2026. Absence of a schedule is not a finding that no producer compensation exists.; verified: 2026-09-16.) | ## Related Reading - [What Is Embroker?](https://spot.insure/insurance-providers/embroker) - [What Is Hiscox?](https://spot.insure/insurance-providers/hiscox) ## Related Comparisons - [Alliance Risk vs Embroker](https://spot.insure/compare/alliance-risk-vs-embroker) - [Alliance Risk vs Hiscox](https://spot.insure/compare/alliance-risk-vs-hiscox) - [Amelia Risk vs Embroker](https://spot.insure/compare/amelia-risk-vs-embroker) - [Amelia Risk vs Hiscox](https://spot.insure/compare/amelia-risk-vs-hiscox) - [Armilla vs Embroker](https://spot.insure/compare/armilla-vs-embroker) - [Armilla vs Hiscox](https://spot.insure/compare/armilla-vs-hiscox) - [At-Bay vs Embroker Insurance](https://spot.insure/compare/at-bay-vs-embroker) - [At-Bay vs Hiscox](https://spot.insure/compare/at-bay-vs-hiscox) - [Beazley vs Embroker](https://spot.insure/compare/beazley-vs-embroker) - [Beazley vs Hiscox](https://spot.insure/compare/beazley-vs-hiscox) - 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[Hiscox vs TechInsurance](https://spot.insure/compare/hiscox-vs-techinsurance) - [Hiscox vs The Hartford](https://spot.insure/compare/hiscox-vs-the-hartford) - [Hiscox vs Travelers Insurance](https://spot.insure/compare/hiscox-vs-travelers) - [Hiscox vs USI](https://spot.insure/compare/hiscox-vs-usi) - [Hiscox vs Vouch](https://spot.insure/compare/hiscox-vs-vouch) - [Hiscox vs WithCoverage](https://spot.insure/compare/hiscox-vs-withcoverage) ## Sources ### [Embroker Official Website](https://www.embroker.com/) 1. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15. 2. [Terms And Conditions](https://www.embroker.com/terms/). Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15. 3. [Compensation Disclosure](https://www.embroker.com/disclosure/). Embroker; Commissions (including contingent and supplemental); Client fees; Other benefits or compensation. Accessed 2026-09-15. 4. [Insurance FAQ](https://www.embroker.com/faq/). Embroker; Engaging Embroker: leaving and transferring policies; Applying for insurance; Renewals; Other insurance services: specimen policies, certificates and policy documents. Accessed 2026-09-15. 5. [Published License List](https://www.embroker.com/licenses/). Embroker; AK–WY list, including DC; California 0K44291. Company list, not an independently checked national license register. Accessed 2026-09-15. 6. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; Query 0K44291 on 15 September 2026 returned “Captcha validation failed.” No individual license result obtained. Accessed 2026-09-15. 7. [Embroker Insurance Services LLC — Entity Record](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forl-m15000008735-158ae97b-a8ff-4f0b-8741-df22b86b81c9&directionType=Initial&inquirytype=EntityName&listNameOrder=EMBROIDUSA+P070000384650&searchNameOrder=EMBROKERINSURANCESERVICES+M150000087350&searchTerm=EMBROIDUSA%2CINC.). Florida Department of State, Division of Corporations; Document M15000008735; foreign LLC, Delaware; Authorized Member: Embroker, Inc.; 2026 annual report filed 20 January 2026. Corporate registration, not an insurance license. Accessed 2026-09-15. 8. [Business Insurance Coverage Options](https://www.embroker.com/coverage/). Embroker; Individual coverages; industry packages; invitation to seek other policies through Embroker. Accessed 2026-09-15. 9. [Embroker Launches EMIS](https://www.embroker.com/blog/embroker-launches-emis/). Embroker; 19 August 2026 announcement; What’s changing; four coverages; legacy renewals versus new business; Availability; About Embroker names Everspan Indemnity Insurance Company. Accessed 2026-09-15. 10. [Embroker Access](https://access.embroker.com/). Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15. 11. [Tech E&O / Cyber — Broker Program](https://access.embroker.com/for-brokers/tech-eo-cyber/). Embroker; Appetite; revenue and multifactor requirements; excluded industries; Coverage Highlights and software code infringement. Accessed 2026-09-15. 12. [Technology Errors And Omissions / Cyber](https://www.embroker.com/coverage/tech-errors-omissions/). Embroker; What’s not included: copyright, libel and intellectual property; FAQ: additional coverages and excess coverage cannot be written over an Embroker primary policy. Accessed 2026-09-15. 13. [Excess Tech E&O / Cyber](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/). Embroker; At a Glance; Appetite; underlying Tech E&O requirement; Everspan underwriting statement; ineligible industries; documents required to quote. Accessed 2026-09-15. 14. [Lawyers Professional Liability — Broker Program](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/). Embroker; Appetite: 1–25 attorneys, claims-free and no discipline; Everest National; coverage highlights and defense cost features. Accessed 2026-09-15. 15. [Everest Elevation Lawyers Professional Liability — Specimen](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf). Everest National Insurance Company (hosted by Embroker); PDF pp. 2–3: declarations LPL-CWF001A-1 0319 name Everest National and Embroker Insurance Services LLC; PDF p. 5: LPL-CWF100A-1 0319 warning and §I, claims-made/reporting/retroactive date; PDF p. 4 lists state amendments as TBD. Accessed 2026-09-15. 16. [Law Firm Insurance Package](https://www.embroker.com/law/). Embroker; Comprehensive coverage for law firms: Lawyers Professional Liability, Cyber, Business Owners Policy and Workers Compensation tabs. Accessed 2026-09-15. 17. [Insurance For Technology Companies](https://www.embroker.com/non-funded-tech-companies/). Embroker; Technology Package: Tech E&O/Cyber and BOP; Plus-only fraud, bricking and utility features; optional hired/non-owned auto under BOP. Accessed 2026-09-15. 18. [Embroker’s AI Coverage](https://www.embroker.com/blog/embroker-launches-ai-coverage/). Embroker; Article displays 26 May 2026 publication and 5 August 2025 endorsement effective date; What’s included; algorithm removal expenses up to $150,000; qualifying Technology E&O/Cyber quotes. Not the endorsement wording. Accessed 2026-09-15. 19. [Claims](https://www.embroker.com/claims/). Embroker; How it works: account Claims tab, confirmation and review; FAQ: active cyber events use policy hotline, other claims use insurer contacts; no fixed resolution time. Accessed 2026-09-15. 20. [Key Person Insurance](https://www.embroker.com/coverage/key-person-insurance/). Embroker; Opening offer of life insurance for an executive, founder or other critical employee with concierge service; public inquiry form (not submitted). Accessed 2026-09-15. 21. [Commercial Auto Insurance](https://www.embroker.com/coverage/commercial-auto-insurance/). Embroker; Opening Embroker service offer; Who Is It For? invitation to obtain a commercial auto quote. Educational coverage examples not adopted as policy promises. Accessed 2026-09-15. 22. [Commercial Property Insurance](https://www.embroker.com/coverage/commercial-property-insurance/). Embroker; Opening Embroker service offer; Who Is It For? invitation to obtain a property quote. Educational examples do not establish flood/earthquake or other entitlements. Accessed 2026-09-15. 23. [Surety Bonds](https://www.embroker.com/coverage/surety-bonds/). Embroker; Opening statement that Embroker helps obtain surety bonds; construction bond discussion. No insurer or specific bond terms established. Accessed 2026-09-15. 24. [Product Liability Insurance](https://www.embroker.com/coverage/product-liability-insurance/). Embroker; Product-specific Get a Quote; Why Get It With Embroker? customized product liability offering. Recall-related educational text not treated as a separate product-recall offering. Accessed 2026-09-15. 25. [Insurance For Venture Capital And Private Equity Firms](https://www.embroker.com/venture-capital-private-equity-firms/). Embroker; Insurance simplified for VC & private equity firms: VCAP offering, growth-practice brokers and platform service. Accessed 2026-09-15. 26. [Start An Embroker Quote](https://app.embroker.com/signup). Embroker; Public first screen: company name, optional website question, linked terms/disclosure and Continue; viewed without entering information or advancing. Accessed 2026-09-15. ### [Hiscox Official Website](https://www.hiscox.com/small-business-insurance) 27. [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. 28. [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. 29. [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. 30. [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. 31. [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. 32. [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. 33. [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. 34. [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. 35. [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. 36. [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. 37. [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. 38. [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. 39. [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. 40. [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. 41. [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. 42. [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. 43. [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. 44. [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. 45. [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. 46. [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. 47. [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. 48. [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. 49. [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. 50. [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. 51. [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. 52. [Management Liability Insurance Executive Risks](https://www.hiscox.com/brokers/management-liability). Hiscox; Broker-facing Hiscox C-Suite management liability and crime solution; statement we are no longer entertaining risks in the metro areas of California; add-on references to media, cyber, crime and technology; not the consumer small-business online catalogue. Accessed 2026-09-16. 53. [What is Professional Liability Insurance?](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq). Hiscox; Claims-made description; current-customer claim number 866-424-8508 described as open 24 hours a day, 7 days a week. Accessed 2026-09-16. Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/embroker-vs-hiscox.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)