Gallagher vs Hiscox Business Owner’s Policy

Hiscox underwrites admitted BOPs in named states; Gallagher places partner-carrier packages and lists BOP exclusions.

What Is Gallagher?

Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. ^1,^2,^3,^4,⁵

Read the Gallagher profile

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. ^8,^9,¹⁰

Read the Hiscox profile

What Is a Business Owner’s Policy?

A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. ¹⁵

Read the full coverage guide

Key Differences in Business Owner’s Policy

Who Carries the Risk

Gallagher Small Business arranges a BOP with a partner carrier and does not name the issuer. Hiscox names the underwriter of its admitted Hiscox NOW BOP:

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. ^14,¹⁰Company-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.

Confirm the contracting entity on both quotes, including Gallagher's partner. ⁶

State Availability and Add-Ons

Hiscox's 2026 appetite guide lists the BOP as unavailable in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia. Gallagher's reviewed BOP page does not publish a state-exception list. Hiscox also sells cyber, hired/non-owned auto and commercial crime as BOP upgrades tied to the policy's occurrence limit; Gallagher's page describes a GL-and-property bundle and a list of items the BOP does not cover, without those Hiscox-style add-ons. ¹⁴ ¹¹ ⁶

How You Buy

Eligible Hiscox buyers can quote and buy the BOP online and select add-ons during that flow where available. Gallagher offers an online quote form, a weekday advisor phone line, or a scheduled callback, then places the policy with a partner. ¹¹ ⁶

What to Confirm in Business Owner’s Policy Quotes

Confirm Hiscox BOP availability in your state against the appetite-guide exceptions. ¹⁴
Ask Gallagher which partner carrier would issue the policy. ⁶
Check whether Hiscox hired/non-owned auto or commercial crime is on the quote, and in which states crime is offered. ¹² ¹³
Compare Gallagher's published exclusion list with the actual Hiscox form. ⁶ ¹¹

Offering Details

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

Criteria	Gallagher Small Business Owner’s Policy	Hiscox Business Owner's Policy
Role in This Line	Gallagher Small Business arranges a business owner's policy as a bundled package rather than underwriting it directly; the policy is placed with one of its partner carriers. ⁶Company-reported. Gallagher Small Business's direct-to-small-business BOP product page.	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. ^11,¹⁰Company-reported. Company-stated online small-business channel.
Issuing Insurer	The BOP product page does not name the insurer that would issue a given business's policy. ⁶Not publicly disclosed. Checked the BOP product page on 2026-09-23; no carrier is named there for this specific product.	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. ^14,¹⁰Company-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	Gallagher says almost every small business that owns or rents its workspace, holds customer data, employs staff, or owns equipment such as computers and furniture is a candidate for a BOP. ⁶Company-reported. Product page "Do you need a BOP?" criteria; actual acceptance depends on underwriting.	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. ¹⁴Company-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	Gallagher describes the BOP as bundling general liability (bodily injury, third-party property damage, personal and advertising injury, third-party medical expenses, defense costs) with business property coverage for a rented space and the equipment inside it. ⁶Company-reported. Product page coverage overview; the issued policy and its exclusions control. Gallagher lists damage to a business's own equipment and rented property, employee on-the-job injuries, malpractice, employee discrimination or fraud, intentional injury, and failure to protect sensitive information as not covered by the BOP. ⁶Company-reported. Product page "What's NOT covered?" list; exclusions can vary by the carrier and form actually issued.	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. ^11,^12,¹³Company-reported. Product-page and upgrade-page descriptions; commercial crime is also stated as not available in all states.
Limits and Retentions	The BOP product page does not publish limits, deductibles or premium ranges; it directs prospective buyers to request a quote instead. ⁶Not publicly disclosed. Checked the BOP product page on 2026-09-23.	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. ¹¹Not publicly disclosed. Public product page as previously reviewed.
How to Apply	Gallagher offers three ways to start a BOP: an online quote form, a phone line for a small business advisor (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), or a scheduled callback request. ⁶Company-reported. Product page "Get Covered Now" section.	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. ¹¹Company-reported. Company-described online application; eligibility and binding conditions require confirmation on the actual application.

Full Comparison

More Gallagher vs Hiscox Comparisons

Other Business Owner’s Policy Comparisons

Sources

Gallagher

Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
Executive and Financial Risk Insurance. Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
Business Owners Policy. Gallagher Small Business; Coverage Overview; What's covered under the bundle; What's NOT covered?; Do you need a BOP?; Get Covered Now. Accessed 2026-09-23.
Connect With an Advisor. Gallagher Small Business; Form fields from company name through annual revenue; acknowledgment. Accessed 2026-09-16.

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.