---
title: "Hiscox vs HUB International Business Owner’s Policy"
description: "Hiscox underwrites admitted BOPs online except in seven states; HUB brokers the line through an advisor with no online bind."
canonical: "https://spot.insure/compare/hiscox-vs-hub-international/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# 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.

## Research Scope and Use

Use this comparison to evaluate Hiscox and HUB International for Business Owner’s Policy against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Hiscox Insurance Company Inc. underwrites Hiscox NOW business owner's policies sold online, with cyber, hired/non-owned auto and commercial crime as upgrades, unavailable in seven states. HUB brokers a combined property-and-liability BOP, started by contacting a HUB broker, and does not name an issuer. [7](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [3](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [11](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage")

## 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](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") [2](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [3](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance")

[Hiscox profile](https://spot.insure/insurance-providers/hiscox)

## 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](https://www.hubinternational.com/about-us/ "About Us") [9](https://www.hubinternational.com/contact-us/ "Contact Us") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## What Is a Business Owner’s Policy?

A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. [12](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy "Business Interruption and Business Owner Policy")

## 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](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [3](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [11](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage")

### 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](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [4](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [11](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage")

### 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](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [11](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage")

## What to Confirm in Business Owner’s Policy Quotes

- Confirm Hiscox BOP availability in your state. [7](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide")
- Ask HUB which insurer would issue the policy. [11](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage")
- Check whether Hiscox hired/non-owned auto or commercial crime is attached. [5](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Car Liability Insurance") [6](https://www.hiscox.com/small-business-insurance/business-owner-insurance/commercial-crime "Commercial crime insurance for small businesses")
- Ask HUB which line-of-business options the advisor would add. [11](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage")

## Offering Details

| 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](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [3](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") (Evidence: Company-reported; scope: 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. [11](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: 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](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [3](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") (Evidence: Company-reported; scope: 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. [11](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Not found in reviewed sources; scope: 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. [7](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") (Evidence: Company-reported; scope: 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](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [5](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Car Liability Insurance") [6](https://www.hiscox.com/small-business-insurance/business-owner-insurance/commercial-crime "Commercial crime insurance for small businesses") (Evidence: Company-reported; scope: 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. [11](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: 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. [4](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") (Evidence: Not publicly disclosed; scope: Public product page as previously reviewed..) | Published coverage limits, deductibles or premium ranges for HUB-placed BOPs were not found on the product page. [11](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Not publicly disclosed; scope: 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. [11](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: 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. [4](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") (Evidence: Company-reported; scope: 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. [11](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23..) |

## Full Comparison

- [Hiscox vs HUB International](https://spot.insure/compare/hiscox-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy): A business owner's policy (BOP) combines property, general liability and business interruption coverage for eligible businesses.
- [Hiscox vs HUB International Cyber Insurance](https://spot.insure/compare/hiscox-vs-hub-international/cyber)
- [Hiscox vs HUB International General Liability Insurance](https://spot.insure/compare/hiscox-vs-hub-international/general-liability)
- [Hiscox vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/hiscox-vs-hub-international/professional-errors-omissions)
- [Hiscox vs HUB International Workers’ Compensation Insurance](https://spot.insure/compare/hiscox-vs-hub-international/workers-compensation)
- [Alliance Risk vs Hiscox Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-hiscox/business-owners-policy)
- [Alliance Risk vs HUB International Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-hub-international/business-owners-policy)
- [Amelia Risk vs Hiscox Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-hiscox/business-owners-policy)
- [Amelia Risk vs HUB International Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-hub-international/business-owners-policy)
- [Chubb vs Hiscox Business Owner’s Policy](https://spot.insure/compare/chubb-vs-hiscox/business-owners-policy)
- [Chubb vs HUB International Business Owner’s Policy](https://spot.insure/compare/chubb-vs-hub-international/business-owners-policy)

## Sources

### Hiscox

1. [Website Terms & Conditions of Use](https://www.hiscox.com/terms-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.
2. [Get A Small Business Insurance Quote](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business). 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.
3. [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-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.
4. [Business Owner's Policy Insurance (BOP) Coverage](https://www.hiscox.com/small-business-insurance/business-owners-policy). 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.
5. [Non-Owned Car Liability Insurance](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability). 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.
6. [Commercial crime insurance for small businesses](https://www.hiscox.com/small-business-insurance/business-owner-insurance/commercial-crime). Hiscox; Commercial crime as a BOP upgrade not sold separately; not available in all states. Accessed 2026-09-16.
7. [Hiscox US Agent Appetite Guide](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf). 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

8. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
9. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
10. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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.
11. [Business Owners Policy (BOP) Company Coverage](https://www.hubinternational.com/products/business-insurance/business-owners-policy/). 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

12. [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy). National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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