Foxquilt vs 
Hiscox: How Do They Compare for Cyber Insurance?
Hiscox describes standalone online cyber insurance for small businesses and names Hiscox Insurance Company Inc. as underwriter for admitted Hiscox NOW policies. Foxquilt also markets cyber and offers a quote path, with breach and ransomware examples; its overview does not establish the issuer or terms for an individual quote. 3,7,9,6
What Is Foxquilt?
Foxquilt offers several online-marketed small-business lines, but its public pages do not resolve which U.S. entity places each risk or which insurer issues each policy. Compare the specific product, state, terms and named entities before deciding whether the digital route fits your business. 1,2
What Is Hiscox?
Hiscox suits eligible small businesses that want online GL, professional liability, cyber or BOP quotes; businesses needing other specialty products should compare brokers. Core Hiscox NOW policies are usually issued by its own insurer, while some products use partners. 4,5,6
What Is Cyber Insurance?
Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. 10,11
Key Differences in Cyber Insurance
Placement Route and Named Issuer
Hiscox sells small-business cyber online as a standalone policy and names Hiscox Insurance Company Inc. as underwriter for admitted Hiscox NOW policies. Foxquilt markets a cyber product with an online quote path, but its overview does not name an issuing carrier or establish that an applicant will qualify. For a buyer, Hiscox’s stated channel and issuer narrow the placement questions; Foxquilt’s quote needs carrier confirmation. 7 9 3
Breach-Response Examples
On coverage, Hiscox describes response to breaches and cyberattacks, while Foxquilt’s summary names breaches and ransomware without identifying insured costs or triggers. The product summaries do not substitute for the issued policy. Compare the quote schedules for notification, interruption, extortion, and deductible before choosing a policy structure. 7 3
What to Confirm in Cyber Insurance Quotes
Foxquilt and Hiscox Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Foxquilt Review Score
Review Score
3 rated sources
Customers rate Foxquilt well on Google (4.9 out of 5 from 526 reviews at its Charlotte office) and 3.5 out of 5 on Trustpilot from only 8 reviews. Put together, the Review Score is 8.9 out of 10.[12][5][6]
Read Foxquilt reviewsHiscox Review Score
Review Score
4 rated sources
Hiscox’s review results are sharply divided: low Trustpilot and ConsumerAffairs scores contrast with strong Feefo feedback. Service quality deserves closer scrutiny before purchase.[1][4][5][6][7]
Read Hiscox reviewsFoxquilt vs Hiscox Cyber Insurance Compared
Foxquilt vs Hiscox: Cyber Insurance: documented features by provider
| Criteria | Foxquilt Cyber Insurance | Hiscox Cyber Security Insurance |
|---|---|---|
| Role in This Line | Foxquilt markets a Cyber Insurance product for businesses. 3Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | Hiscox Inc. sells cyber insurance directly online as a standalone product for small businesses, separate from its business owner's policy, which also offers an optional cyber add-on. 7Company-reported. Company-stated standalone small-business cyber product; the BOP cyber add-on is a distinct package option described on a different page. |
| Issuing Insurer | Confirm in your quote. | Hiscox's appetite guide and About Hiscox US page name Hiscox Insurance Company Inc. (NAIC 10200) as the underwriter of admitted Hiscox NOW cyber policies. 9,6Company-reported. Admitted small-business cyber 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 | The page discusses businesses exposed to cyber events and sensitive information; it does not publish a full appetite or industry eligibility list. 3Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | Hiscox markets cyber insurance to small businesses broadly and specifically to IT and technology consultants, describing itself as customizing coverage for the technology sector's data-handling and security exposures. 7,8Company-reported. Company-stated audience across the standalone cyber page and the IT-insurance page. |
| Coverage Features | Its product summary describes cyber-event exposures such as data breaches and ransomware; it does not identify the insured costs or policy triggers for a particular quote. 3Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | Hiscox describes cyber coverage as responding to data breaches, cyberattacks and related losses, and its IT-insurance page shows an illustrative breach-response example describing notification and related costs after a data incident. 7,8Company-reported. Product-page description; the illustrative example is explicitly a hypothetical scenario, not a specific limit or claim outcome, and actual coverage terms are set by the issued policy. |
| Limits and Retentions | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 3Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. | The cyber product page does not publish standard limit, retention or deductible amounts; figures shown elsewhere on the site are illustrative examples rather than quotes. 7Not publicly disclosed. Public product page as previously reviewed. |
| Risk Services | Confirm in your quote. | The reviewed cyber product page does not describe ongoing security-monitoring or risk-prevention services made available to policyholders; it describes post-incident breach-response coverage rather than a monitoring service. 7Not found in reviewed sources. Standalone cyber product page as previously reviewed. |
| How to Apply | The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. 3Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | Hiscox says eligible buyers can get a cyber insurance quote online, with a licensed-agent phone line available for questions during the process. 7Company-reported. Company-described online application; eligibility and binding conditions require confirmation on the actual application. |
Related Pages for Foxquilt vs Hiscox Cyber Insurance
Cyber Insurance Pages for Foxquilt and Hiscox
Other Coverage Lines Compared for Foxquilt vs Hiscox
Other Cyber Insurance Provider Comparisons
Sources for Foxquilt vs Hiscox Cyber Insurance
Sources About Foxquilt
- Commercial General Liability. Foxquilt; “What does CGL cover?”; “Foxquilt’s CGL is built for…”; digital quote/buy and certificates; “Built for North American small business”; limits FAQ; CGL exclusions FAQ. Directly reopened 2026-09-29, lines 53–64, 67–104, 135–215, 244–319. Accessed 2026-09-29.
- Foxquilt Insurance Services | Terms & Conditions. Foxquilt; Sections 1.1–1.2 identify Foxquilt Insurance Services Inc. as service operator; no reviewed Inc.–LLC relationship statement. Accessed 2026-09-29.
- Cyber Business Insurance. Foxquilt; Cyber event description, target business types/data exposure, examples, price factors. Reopened 2026-09-29, lines 98–127. Accessed 2026-09-29.
Sources About 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.
- Cyber Insurance for Small Businesses. Hiscox; Standalone cyber security/cyber liability product with online quote; data-breach, cyberattack and related-loss descriptions; licensed-agent phone number. Accessed 2026-09-16.
- IT Professional & General Liability Insurance. Hiscox; IT/technology professional audience; illustrative cyber breach-response example. Accessed 2026-09-16.
- Hiscox US Agent Appetite Guide. Hiscox; Hiscox NOW admitted GL, PL, cyber and BOP underwritten by Hiscox Insurance Company Inc. Accessed 2026-09-16.
Sources for the Cyber Insurance Guide
- Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
- CyberEdge specimen policy. AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.
