--- title: "Hiscox vs HUB International: Business Owner’s Policy" description: "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." canonical: "https://spot.insure/compare/hiscox-vs-hub-international/business-owners-policy" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "hiscox-vs-hub-international" provider-a: "hiscox" provider-b: "hub-international" coverage-line: "business-owners-policy" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/hiscox-vs-hub-international/business-owners-policy) ## Agent Guide **What this page is:** Focused comparison of Hiscox and HUB International for Business Owner’s Policy: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Business Owner’s Policy questions about Hiscox versus HUB International. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Hiscox vs HUB International for Business Owner’s Policy: how do they differ? - Which is better for Business Owner’s Policy, Hiscox or HUB International? - What does Hiscox or HUB International publish about Business Owner’s Policy (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Business Owner’s Policy. Providers: Hiscox and HUB International. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25. **Related pages:** - [Hiscox vs HUB International](https://spot.insure/compare/hiscox-vs-hub-international) — all coverage lines for this pair - [Business Owner’s Policy guide](https://spot.insure/coverage/business-owners-policy) — how this coverage works - [Hiscox profile](https://spot.insure/insurance-providers/hiscox) — provider profile - [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile # 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 buy a BOP online with cyber, hired auto and crime add-ons, except in seven states; HUB sells its BOP only through a broker. ## Hiscox vs HUB International Business Owner’s Policy Summary 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](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [4](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [6](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") ## 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](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [1](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [6](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") ### 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](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [6](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") ### 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](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [4](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [6](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") ## What Should You Confirm in Hiscox and HUB International Business Owner’s Policy Quotes? - Check your state against Hiscox’s exclusion list before you start. [5](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") - Ask HUB which insurer issues the policy. [6](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") - Check whether hired and non-owned auto or commercial crime is on your Hiscox policy. [2](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Car Liability Insurance") [3](https://www.hiscox.com/small-business-insurance/business-owner-insurance/commercial-crime "Commercial crime insurance for small businesses") - Get limits in writing from both; neither page publishes standard BOP limits. [1](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [6](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") ## Hiscox vs HUB International Business Owner’s Policy Compared | 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. [1](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. [6](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..) | | 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](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [2](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Car Liability Insurance") [3](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. [6](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..) | | 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](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [4](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. [6](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..) | ## About Hiscox and HUB International and Business Owner’s Policy - [Hiscox company profile](https://spot.insure/insurance-providers/hiscox) · [Hiscox customer reviews](https://spot.insure/insurance-providers/hiscox/reviews) - [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews) - [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy) ## Related Pages for Hiscox vs HUB International Business Owner’s Policy - [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 owners policy combines property, liability and lost-income protection for eligible small businesses, while auto, workers’ compensation and professional liability may need separate coverage. - [Hiscox Business Owner’s Policy](https://spot.insure/insurance-providers/hiscox/business-owners-policy) - [HUB International Business Owner’s Policy](https://spot.insure/insurance-providers/hub-international/business-owners-policy) ## Sources for Hiscox vs HUB International Business Owner’s Policy ### Sources About Hiscox 1. [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. 2. [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. 3. [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. 4. [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. Accessed 2026-09-16. 5. [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. ### Sources About HUB International 6. [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. Updated 2026-09-25. 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). 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