Embroker vs Hiscox: How Do They Compare for Professional Liability (E&O) Insurance?

Hiscox lets eligible buyers quote and buy online, is licensed for sale in 49 states and Washington, D.C., excluding Alaska, and has a claims phone line open around the clock. Embroker offers an online quote with a choice of deductible types.

Hiscox provides online E&O quotes, phone access to licensed advisers and a 24/7 claims line; Embroker explains aggregate and first-dollar-defense deductibles and how they affect claim costs. ^5,^4,¹

What Are the Key Differences Between Embroker and Hiscox Professional Liability (E&O) Insurance?

Help at Purchase and Claim Time

Hiscox offers an online quote and purchase flow, phone access to licensed advisers during posted hours, and a separate 24/7 claims line. ² ³ Embroker describes an online quote that weighs business size, industry, location and claims history, and provides two deductible structures. ¹

Policy Structure and Availability

Hiscox describes E&O as claims-made and lists availability in 49 states and Washington, D.C., excluding Alaska. ³ Embroker explains how higher deductibles may reduce premium but does not describe claims-made versus occurrence terms on the reviewed page. ¹

What Should You Confirm in Embroker and Hiscox Professional Liability (E&O) Insurance Quotes?

Confirm Hiscox sells the product in your state and compare limits and retentions in both quotes. ² ¹
Ask Embroker whether your deductible is aggregate or first-dollar-defense and what each means for defense costs. ¹
Compare Hiscox's retroactive-date terms with the policy form in Embroker's quote. ³

Embroker vs Hiscox Professional Liability (E&O) Insurance Compared

Embroker vs Hiscox: Professional Liability (E&O) Insurance: documented features by provider

Criteria	Embroker Professional Liability Insurance	Hiscox Professional Liability Insurance
Who It’s For	Embroker markets the policy to anyone who provides professional advice or services for a fee, listing accountants, bookkeepers, consultants, real estate agents, home inspectors, and IT and healthcare professionals as example buyers, while noting lawyers and doctors typically use specialized malpractice coverage instead. ¹Company-reported. Product-page eligibility and industry-example sections; not a guarantee of coverage for a particular business.	Hiscox says professional liability is licensed for sale in 49 states and Washington, D.C., excluding Alaska, and that if it does not sell the product online in a buyer's state, a specialist broker may be able to help instead. ^2,⁵Company-reported. Company-stated jurisdiction for the online small-business catalogue; the appetite guide's technology classes (IT consultants, software development) illustrate typical buyers but do not guarantee acceptance for any one applicant.
How to Apply	Embroker offers an online quote for professional liability through its digital platform, describing underwriting factors including business size, industry risk, location and claims history. ¹Company-reported. Product-page 'Quick quotes' feature and cost-factor list; no quote was requested during this research.	Hiscox says eligible buyers can quote and buy professional liability online, with licensed advisors available by phone during posted hours for questions during the process. ²Company-reported. Company-described online application; eligibility and binding conditions require confirmation on the actual application.
Coverage Features	Embroker lists coverage for claims of errors, omissions or negligence, failing to meet expected standards or deadlines, false or misleading statements, breach of contractual obligations, and attorney fees from covered claims. ¹Company-reported. Product-page What's covered section; the issued policy and declarations control. Embroker says the policy does not cover personal injury or property damage (handled by general liability), cyberattacks and data breaches (some tech E&O policies offer limited cyber coverage, but full protection needs a separate cyber policy), employee injuries, or employee discrimination claims (handled by EPLI). ¹Company-reported. Product-page What's not included and 'Do I need Professional Liability insurance if I already have General Liability coverage?' sections.	Hiscox describes professional liability as a claims-made policy, meaning a claim is covered only if it is made (and typically reported) while the policy is active, rather than an occurrence policy covering incidents regardless of when the claim surfaces. ³Company-reported. Product FAQ description; exact triggers, retroactive dates, exclusions and wording are set by the issued policy.
Role in This Line	Embroker sells professional liability, also called errors and omissions insurance, as a standalone product for professional-services businesses, separate from its lawyers professional liability program and its bundled technology E&O/cyber product. ¹Company-reported. Product-page description; not a statement about the issuing insurer.	Hiscox Inc., a licensed insurance intermediary, sells professional liability (errors and omissions) coverage directly online to small businesses as part of its Hiscox NOW admitted small-business catalogue. ^4,²Company-reported. Company-stated online small-business channel.