Hiscox vs HUB International

Hiscox is the brand name used by its U.S. insurance businesses. Website terms identify Hiscox Inc., a Delaware corporation headquartered in Atlanta, as a licensed insurance intermediary for admitted and surplus-lines business. About Hiscox US names Hiscox Insurance Company Inc. (NAIC 10200) as the affiliated insurer and Hiscox Inc. as its general agent. Broker-only pages are restricted to licensed market professionals; the small-business section is the consumer product path. ^5,4

In California, Hiscox Inc. says it does business as Hiscox Insurance Agency and publishes producer license number 0F09668. Its current producer-license status remains independently unverified; the number is company-reported. ^6,23,11,5

HUB International Limited describes itself as a full-service insurance broker and financial-services firm. Its website terms say HUB’s subsidiaries are licensed as insurance brokers or agents in various U.S. states and Canadian provinces. The reviewed product pages market brokerage of policies issued by insurers, not HUB as a risk-bearing carrier for those policies. ^31,32,36

HUB’s About Us timeline states that in 2022 it acquired Insureon for digital delivery of small-business commercial insurance. Insureon and TechInsurance say they are part of HUB; Insureon says it operates as a division of Specialty Program Group LLC, doing business as SPG Insurance Solutions. TechInsurance describes itself as part of Insureon rather than as a separate HUB retail office. ^{31,61,62,63,64}

Hiscox directly markets and offers online quotes for general liability, professional liability (errors and omissions), cyber security insurance and a business owner’s policy that combines general liability with commercial property. IT pages present those same lines for technology consultants rather than a separately named technology E&O policy. Website examples and coverage lists are illustrative; the issued policy controls. ^{16,7,8,9,10,2}

Hired/non-owned auto and commercial crime are described as upgrades to a Hiscox business owner’s policy, not standalone Hiscox policies. Crime is not sold separately and is not available in all states. HNOA is tied to the BOP occurrence limit and does not replace commercial auto for vehicles the business owns or regularly operates. ^20,21,10

Hiscox also markets partner coverage for workers’ compensation (Hartford Fire, generally requiring a Hiscox general-liability policy), commercial auto (GEICO referral and, separately, CyberPolicy), medical malpractice (NOW Insurance), short-term liability (Thimble/Markel), and CyberPolicy quotes for umbrella, directors and officers, and employment practices liability. Those pages are partner access paths, not proof that Hiscox Insurance Company Inc. issues the policy. ^{11,12,13,14,15,26}

HUB publishes dedicated business-insurance product pages for, among other lines, general liability, commercial property, workers’ compensation, business owners policies, commercial auto (including hired and non-owned exposures and trucking), cyber, directors and officers, professional liability/E&O, crime, fiduciary liability, kidnap and ransom, surety bonds, medical malpractice, marine/inland marine and cargo, boiler and machinery/equipment breakdown, and mergers-and-acquisitions representations-and-warranties insurance. Its casualty page also lists product liability, umbrella and excess, and product-recall as program elements. Employee-benefits brokerage is marketed separately. Actual policy forms, limits and eligibility are not set by those marketing pages. ^{36,38,46,44,45,47,40,39,41,42,48,49,50,51,52,55,56,53,54,57,43}

For technology companies, HUB lists professional liability/technology E&O, cyber, a patent package described as property, auto, liability and umbrella, international placements, cargo/stock throughput, property/builders risk, pollution liability, management liability including D&O, employment-practices liability, fiduciary liability, transactional/warranty insurance, crime, workers’ compensation, employee benefits, key-person life and disability, retirement solutions, and kidnap and ransom. ³⁷

Hiscox says eligible buyers can get a small-business quote online by entering a zip code and answering questions, and that general liability, professional liability, cyber and BOP are offered online. Licensed advisors are available by phone at posted Eastern Time hours. The general-liability FAQ says that after the application is completed, the policy is issued by email and a certificate appears in welcome documents. These are company-described steps; eligibility and binding conditions require confirmation on the actual application. ^16,7,1

On hubinternational.com, commercial buyers are asked to contact a broker, connect with a specialist, or use Contact Us. Small-commercial inquiries meeting HUB’s stated size tests go to Insureon for an online quote. Product pages such as general liability, D&O, cyber and workers’ compensation use “Contact Us” or “Connect With a Broker” rather than an on-site bind flow. Privacy policy language refers to automation for insurance quoting, without documenting a public HUB retail e-commerce checkout for mid-market programs. ^{35,38,39,40,37,33}

Hiscox NOW appetite and About Hiscox US say admitted small-business products described there are underwritten by Hiscox Insurance Company Inc., a Chicago-based insurer licensed in all 50 states and D.C. The California Department of Insurance independently identifies that company as an Illinois-domiciled property-and-casualty insurer, NAIC 10200, California Company ID 1439-9, authorized in California since 14 September 1953 with unlimited-normal status. Hiscox’s California marketing page also cites Illinois license number 8754, which is not the CDI company ID; reconcile names and numbers on the quote. ^24,25,4,23,6

Hiscox refers small-business buyers to other insurers or marketplaces for several products: workers’ compensation is underwritten by Hartford Fire Insurance; the commercial-auto page refers customers to GEICO and affiliates; medical malpractice is accessed through NOW Insurance, which Hiscox says is not affiliated with the Hiscox group; short-term liability is underwritten by Markel Insurance Company through Thimble. A separate other-insurance page instead partners with CyberPolicy for commercial auto, umbrella, directors and officers, and employment practices liability. The issuing company on a partner quote is therefore not assumed to be Hiscox Insurance Company Inc. ^{11,12,13,14,15}

Hiscox Inc. says it is an approved Lloyd’s coverholder and underwrites surplus-lines business on behalf of Lloyd’s Syndicates 33 and 3624, with U.S. surplus-lines placements made by licensed surplus-lines brokers. Terms also say Hiscox Inc. may place admitted and surplus-lines business with Hiscox Insurance Company Inc., other domestic insurers, and Lloyd’s syndicates. That surplus-lines route is described as distinct from the online small-business catalogue. ^4,5

HUB’s compensation page says it has access to the products and services of hundreds of insurers and that it focuses on a smaller set of “Strategic Carriers,” which may pay enhanced compensation. Property, casualty and marine pages refer to domestic, national, regional, specialty and global carrier relationships without publishing a complete appointment list. ProEx says it places more than $2 billion of premium with top-rated insurance carriers; that volume and rating language is company-reported and does not name the carriers. Issuing insurers therefore have to be taken from a quote, not from the public catalogue. ^{34,46,54,55,43}

Insureon says it has access to 100+ insurance providers and names The Hartford, Chubb, Hiscox, Liberty Mutual and Travelers as examples. Those names are Insureon’s examples for its digital agency, not a statement that every HUB retail placement uses the same insurers, and they do not identify the issuing company on a particular policy. ⁶¹

Hiscox says it is currently licensed to offer small-business insurance in 49 states and the District of Columbia, and that coverage is currently unavailable in Alaska. General liability and professional liability FAQs repeat the Alaska exclusion and say specialist brokers may be able to help if Hiscox does not sell online in an area. The 2026 Hiscox NOW appetite guide further says business owner’s policy is unavailable in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia. Coverage remains subject to underwriting and class. ^1,7,8,23,6

A Los Angeles office on the contact page does not establish California product eligibility. Broker-facing Hiscox C-Suite materials say Hiscox is no longer entertaining management-liability risks in the metro areas of California. Appetite tables also mark many contractor professional-liability classes as not available in California. Confirm state, class and channel on the actual quote. ^22,26,23

HUB says it has 700+ offices and 21,000+ employees across North America, with corporate headquarters in Chicago. It publishes a California office directory that includes two San Francisco addresses (201 Mission Street and 44 Montgomery Street). An office location is evidence of a local brokerage presence, not of admitted-product availability, surplus-lines use, or that a given coverage can be bound for a California-domiciled company. ^31,30,28,29

HUB’s terms say subsidiaries are licensed as brokers or agents in various U.S. states, without naming the California entity for the San Francisco offices. Insureon publishes California license 0L09546 for Specialty Program Group LLC, dba SPG Insurance Solutions; that is Insureon’s disclosure, not an independent California Department of Insurance confirmation. The current license status of SPG and the producer for a HUB San Francisco engagement remain independently unverified. Confirm which entity will appear on the policy and any surplus-lines filing. ^32,28,62,65