Hiscox vs 
HUB International Business Owner’s Policy
Hiscox underwrites admitted BOPs online except in seven states; HUB brokers the line through an advisor with no online bind.
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. 1,2,3
What Is HUB International?
HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. 8,9,10
What Is a Business Owner’s Policy?
A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. 12
Key Differences in Business Owner’s Policy
Named Admitted Carrier Versus Broker Placement
Hiscox sells the BOP as an admitted Hiscox NOW product underwritten by Hiscox Insurance Company Inc. (NAIC 10200). HUB brokers the line rather than underwriting it and does not name an issuing insurer on the reviewed page. Confirm the writer on a HUB quote the same way you confirm Hiscox's contracting entity. 7 3 11
State Exceptions Versus Fine-Tuning
Hiscox's 2026 appetite guide lists the BOP as unavailable in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia. HUB's page does not publish those exceptions. HUB says an advisor fine-tunes options for the client's line of business so separate property and liability policies do not leave gaps. Hiscox instead describes optional cyber, hired/non-owned auto and commercial crime upgrades tied to the BOP occurrence limit. 7 4 11
Online Bind Versus Broker Contact
Eligible Hiscox buyers can quote and buy online and select add-ons during that process where available. HUB directs you to contact a HUB broker and does not describe a self-serve bind. Neither page publishes standard BOP limits. 4 11
What to Confirm in Business Owner’s Policy Quotes
Offering Details
Hiscox vs HUB International Business Owner’s Policy: documented features by provider
| Criteria | Hiscox Business Owner's Policy | HUB International Business Owners Policy Brokerage |
|---|---|---|
| Role in This Line | 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. 4,3Company-reported. Company-stated online small-business channel. | HUB brokers business owners policies rather than underwriting them, placing a combined property-and-liability package with an insurer on the client's behalf. 11Company-reported. BOP product page as read 2026-09-23; the page does not name an issuing insurer. |
| Issuing Insurer | 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. 7,3Company-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. | The BOP product page does not name an issuing insurer; HUB places BOP business with insurers that vary by client and placement. 11Not found in reviewed sources. Checked the BOP product page on 2026-09-23; no carrier is disclosed there. |
| Who It’s For | 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. 7Company-reported. State-exception list as of the 2026 agent appetite guide; does not by itself establish eligibility for a specific class or business. | Not described in the reviewed sources. |
| Coverage Features | 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. 4,5,6Company-reported. Product-page and upgrade-page descriptions; commercial crime is also stated as not available in all states. | HUB describes its BOP as combining building and business-property insurance, which repairs or replaces damaged buildings, equipment, stock, furniture or fixtures, with business liability insurance for injury or property-damage claims caused by the business or its employees. 11Company-reported. Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim. |
| Limits and Retentions | 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. 4Not publicly disclosed. Public product page as previously reviewed. | Published coverage limits, deductibles or premium ranges for HUB-placed BOPs were not found on the product page. 11Not publicly disclosed. Checked the BOP product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page. |
| Risk Services | Not described in the reviewed sources. | HUB says an advisor works with the client to fine-tune the BOP with options that fit the client's line of business, and positions the policy as a way to eliminate coverage gaps between separate property and liability policies. 11Company-reported. Product-page marketing copy; no specific risk-control service beyond broker consultation is described. |
| How to Apply | 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. 4Company-reported. Company-described online application; eligibility and binding conditions require confirmation on the actual application. | HUB directs prospects to contact a HUB broker to get started on a BOP; no online quote or self-serve bind flow is described on the page. 11Company-reported. Product-page call to action as read 2026-09-23. |
Full Comparison
More Hiscox vs HUB International Comparisons
Other Business Owner’s Policy Comparisons
Sources
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.
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- Business Owners Policy (BOP) Company Coverage. HUB International; BOP definition: combination of business property and liability protection for small and mid-size businesses; building and business property insurance section; business liability insurance section; related products; Connect With a Broker. Accessed 2026-09-23.
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.
