Embroker vs Hiscox: How Do They Compare for Business Owner’s Policy?

Embroker targets firms under 100 employees and $10 million in revenue and gives an online quote; Hiscox lets eligible buyers quote and buy a BOP online, though not in seven states including Florida and Ohio.

Both let you quote a BOP online, but each shuts out different buyers. Embroker takes only firms under 100 employees and $10 million in revenue and lists no state exclusions; Hiscox publishes no size cap but doesn't sell its BOP in seven states. ^1,^6,⁵

What Are the Key Differences Between Embroker and Hiscox Business Owner’s Policy?

Which One Will Take You

Hiscox's excluded states are Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia. Embroker's page names no excluded states, and it counts a home office as a qualifying location. Choose Hiscox if you're outside those seven states and want to know up front who insures you; choose Embroker if you're in one of them and have fewer than 100 employees and under $10 million in revenue. ⁶ ¹

Knowing Your Insurer

Hiscox insures its own BOP, so you know from the first screen who pays claims. Embroker's page names no insurer, so you'll only learn that from the quote. ⁵ ⁶ ¹

Adding Cyber, Auto and Crime

Hiscox adds cyber, hired and non-owned auto, and commercial crime to the BOP itself; the auto and crime upgrades share the BOP's per-occurrence limit. Embroker adds professional liability, employment practices and property extras such as spoiled merchandise or mechanical breakdown, but puts cyber and workers’ comp on separate policies. If you need hired auto, Hiscox names it and Embroker doesn't. ² ³ ⁴ ¹

What Should You Confirm in Embroker and Hiscox Business Owner’s Policy Quotes?

Check your state against Hiscox's list, and your headcount and revenue against Embroker's limits. ⁶ ¹
Ask Embroker which insurer issues the policy and whether it sells in your state. ¹
Ask Embroker whether hired and non-owned auto is available, and what a separate cyber policy adds to the cost. ¹
Get limits in writing from both; neither publishes standard limits. ² ¹

Embroker vs Hiscox Business Owner’s Policy Compared

Embroker vs Hiscox: Business Owner’s Policy: documented features by provider

Criteria	Embroker Business Owners Policy	Hiscox Business Owner's Policy
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. ¹Company-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. ⁶Company-reported. State-exception list as of the 2026 agent appetite guide; does not by itself establish eligibility for a specific class or business.
How to Apply	Embroker offers an online quote for BOP coverage through its digital platform rather than a purely manual application. ¹Company-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. ²Company-reported. Company-described online application; eligibility and binding conditions require confirmation on the actual application.
Coverage Features	The BOP covers commercial property damage or theft, third-party bodily injury and property damage claims, and business interruption loss of income. ¹Company-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. ¹Company-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. ¹Company-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. ^2,^3,⁴Company-reported. Product-page and upgrade-page descriptions; commercial crime is also stated as not available in all states.
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. ¹Company-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. ^2,⁵Company-reported. Company-stated online small-business channel.