Hiscox vs 
HUB International: How Do They Compare for Business Owner’s Policy?
Hiscox sells a BOP directly online and lists add-ons like cyber and crime, but not in seven states; HUB International brokers BOPs and has you contact a HUB broker, with no online quote described.
Hiscox lets you quote and buy a BOP online and add cyber, hired and non-owned auto or crime cover at checkout, but not in seven states including Florida and Ohio. HUB sells its BOP only through a broker, who tailors it to your line of business. 5,4,6
What Are the Key Differences Between Hiscox and HUB International Business Owner’s Policy?
Your State May Decide It
Hiscox’s 2026 appetite guide says its BOP is not available in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington or West Virginia. If you operate there, HUB is the option of these two; its page lists no state exclusions. Elsewhere, Hiscox lets you quote and buy online, while HUB sends you to a broker with no self-serve purchase. Choose Hiscox if you are outside those seven states and want to buy online; choose HUB if you are in one of them or want a broker to design the package. 5 1 6
Add-Ons You Can Pick Versus Advisor Tuning
Hiscox offers cyber, hired and non-owned auto and commercial crime as upgrades tied to the BOP’s occurrence limit, which you choose yourself during the online purchase. HUB says an advisor fine-tunes options for your line of business so separate property and liability policies don’t leave gaps, but names no specific add-ons. 1 6
Who Pays Claims
Hiscox Insurance Company Inc. writes the Hiscox BOP, so the company you buy from is the company that pays. HUB is a broker and places your BOP with an insurer it does not name, so you only learn who pays claims from the quote. 5 4 6
What Should You Confirm in Hiscox and HUB International Business Owner’s Policy Quotes?
Hiscox vs HUB International Business Owner’s Policy Compared
Hiscox vs HUB International: Business Owner’s Policy: documented features by provider
| Criteria | Hiscox Business Owner's Policy | HUB International Business Owners Policy Brokerage |
|---|---|---|
| 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. 1Company-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. 6Company-reported. Product-page call to action as read 2026-09-23. |
| 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. 1,2,3Company-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. 6Company-reported. Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim. |
| 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. 1,4Company-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. 6Company-reported. BOP product page as read 2026-09-23; the page does not name an issuing insurer. |
