Embroker vs 
Hiscox Business Owner’s Policy
Embroker quotes a BOP online with 100-employee and home-office screens; Hiscox sells a BOP through Hiscox Insurance Company Inc. with seven state exceptions.
What Is Embroker?
Embroker is a business insurance broker and online platform serving startups, technology companies and professional-services firms, with proprietary programs and broker-assisted placements. 1,2,3
What Is Hiscox?
Hiscox is a U.S. small-business insurance brand whose website is operated by Hiscox Inc., a Delaware producer that does business in California as Hiscox Insurance Agency. Eligible firms can quote general liability, professional liability, cyber and a business owner’s policy online; other advertised lines are often placed with partner insurers, so the issuing company on each quote still has to be checked. 5,6,7
What Is a Business Owner’s Policy?
A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. 12
Key Differences in Business Owner’s Policy
Named Hiscox Insurer Versus an Unnamed Embroker Form
Hiscox Insurance Company Inc. (NAIC 10200) underwrites admitted Hiscox NOW BOPs. Embroker’s reviewed BOP page packages the product on its quote platform without naming the writing company. Both describe an online quote path. 11 7 4
Eligibility Each Page Publishes
Hiscox’s 2026 appetite guide says the BOP is unavailable in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia. Embroker’s published constraints are fewer than 100 employees, less than $10 million in revenue and a physical location, including a home office. Hiscox’s reviewed BOP materials in this record do not use that employee-and-revenue screen, and Embroker’s reviewed page does not list those seven states. 11 4
Optional Cyber, Auto and Related Add-Ons
Hiscox describes optional add-ons to its business owner’s policy including cyber coverage, hired/non-owned commercial auto and commercial crime, with hired/non-owned auto and commercial crime described as upgrades tied to the BOP occurrence limit. Embroker says the BOP can take endorsements for professional liability, employment practices liability and commercial property add-ons such as spoiled merchandise or mechanical breakdown, and can be packaged with separate cyber or workers’ compensation policies. 8 9 10 4
What to Confirm in Business Owner’s Policy Quotes
- Check Hiscox’s seven-state BOP exceptions and Embroker’s employee, revenue and home-office screens for your facts. 11 4
- Confirm the writing company: Hiscox Insurance Company Inc. versus whoever issues Embroker’s form. 11 4
- Ask how cyber, hired/non-owned auto and crime attach on Hiscox versus Embroker’s endorsements and separate cyber or workers’ compensation policies. 9 10 4
- Request limits; Hiscox’s BOP page does not publish standard coverage limits, and Embroker’s page does not either. 8 4
Offering Details
Embroker vs Hiscox Business Owner’s Policy: documented features by provider
| Criteria | Embroker Business Owners Policy | Hiscox Business Owner's Policy |
|---|---|---|
| Role in This Line | Embroker packages its Business Owners Policy as a bundled product combining commercial property, general liability and business interruption coverage, sold through its own quote platform. 4Company-reported. Product-page description of the bundle; not a statement about the issuing insurer. | Hiscox Inc. sells a business owner's policy directly online to small businesses, combining general liability and commercial property into one package as part of its Hiscox NOW admitted catalogue. 8,7Company-reported. Company-stated online small-business channel. |
| Issuing Insurer | Not described in the reviewed sources. | Hiscox's appetite guide and About Hiscox US page name Hiscox Insurance Company Inc. (NAIC 10200) as the underwriter of admitted Hiscox NOW business owner's policies. 11,7Company-reported. Admitted small-business BOP coverage as described in company materials; the exact contracting entity for a particular state or channel should be confirmed on the quote. |
| Who It’s For | Embroker targets its BOP at small businesses with fewer than 100 employees, less than $10 million in annual revenue and a physical location, including a home office. 4Company-reported. Product-page eligibility criteria; larger or higher-risk businesses may not qualify for a BOP at all. | Hiscox's 2026 appetite guide says its business owner's policy is unavailable in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia, a narrower footprint than the 49-state-plus-D.C. availability Hiscox states for its overall online small-business catalogue. 11Company-reported. State-exception list as of the 2026 agent appetite guide; does not by itself establish eligibility for a specific class or business. |
| Coverage Features | The BOP covers commercial property damage or theft, third-party bodily injury and property damage claims, and business interruption loss of income. 4Company-reported. Product-page coverage summary; the issued policy and declarations control. Embroker says the BOP does not cover cyberattacks and breaches, professional liabilities such as errors and omissions, employment-related claims, or criminal activity, and that workers' compensation and commercial auto usually must be bought separately. 4Company-reported. Product-page What's not included and FAQ sections. Embroker says the BOP can take endorsements for professional liability, employment practices liability and commercial property add-ons such as spoiled merchandise or mechanical breakdown coverage, and can be packaged with separate cyber or workers' compensation policies. 4Company-reported. FAQ section; specific endorsement availability depends on underwriting. | Hiscox describes optional add-ons to its business owner's policy including cyber coverage, hired/non-owned commercial auto, and commercial crime; hired/non-owned auto and commercial crime are described as upgrades tied to the BOP's own occurrence limit and are not sold as standalone Hiscox policies. 8,9,10Company-reported. Product-page and upgrade-page descriptions; commercial crime is also stated as not available in all states. |
| Limits and Retentions | Not described in the reviewed sources. | The BOP page does not publish standard coverage limits; the illustrative California IT/technology consultant pricing table on the page is explicitly labeled illustrative rather than a quote. 8Not publicly disclosed. Public product page as previously reviewed. |
| Risk Services | The reviewed BOP page does not describe line-specific risk-control or loss-prevention services beyond general references to the Embroker Resource Hub and chat support. 4Not found in reviewed sources. Product page as read on 2026-09-23; broader broker-wide services may exist elsewhere. | Not described in the reviewed sources. |
| How to Apply | Embroker offers an online quote for BOP coverage through its digital platform rather than a purely manual application. 4Company-reported. Product-page 'Quick quotes' feature description; no quote was requested during this research. | Hiscox says eligible buyers can quote and buy a business owner's policy online, and can select add-on coverages such as cyber or commercial crime during that process where available. 8Company-reported. Company-described online application; eligibility and binding conditions require confirmation on the actual application. |
Full Comparison
More Embroker vs Hiscox Comparisons
Other Business Owner’s Policy Comparisons
Sources
Embroker
- Embroker. Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
- Terms And Conditions. 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.
- Embroker Access. Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
- Business Owners Policy. Embroker; Why it's essential; Who needs this coverage; What is a Business Owners Policy?; What's covered; What's not included; FAQ: Are there additional coverages available with BOP insurance?; Who benefits most from BOP insurance? Accessed 2026-09-23.
Hiscox
- Website Terms & Conditions 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.
- Get A Small Business Insurance Quote. 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.
- About Hiscox US 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.
- Business Owner's Policy Insurance (BOP) Coverage. 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; worldwide-coverage qualifications. Accessed 2026-09-16.
- Non-Owned Car Liability Insurance. 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.
- Commercial crime insurance for small businesses. Hiscox; Commercial crime as a BOP upgrade not sold separately; not available in all states. Accessed 2026-09-16.
- Hiscox US Agent Appetite Guide. Hiscox; Hiscox NOW admitted GL, PL, cyber and BOP underwritten by Hiscox Insurance Company Inc.; state exceptions including BOP unavailable in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia. Accessed 2026-09-16.
Business Owner’s Policy Guide
- Business Interruption and Business Owner Policy. National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.
