--- title: "Hiscox vs HUB International" description: "How Hiscox Inc.’s small-business online path and Hiscox Insurance Company Inc. paper differ from HUB International’s brokerage and Insureon small-commercial route." canonical: "https://spot.insure/compare/hiscox-vs-hub-international" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Hiscox", "HUB International"] --- [Human-readable page](https://spot.insure/compare/hiscox-vs-hub-international) # Hiscox vs HUB International How Hiscox Inc.’s small-business online path and Hiscox Insurance Company Inc. paper differ from HUB International’s brokerage and Insureon small-commercial route. ## Research Scope and Use Use this comparison to evaluate Hiscox and HUB International against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights Hiscox Inc., a Delaware producer, handles its online small-business sales, with Hiscox Insurance Company Inc. as a named insurer on eligible direct products. HUB International is a broker; Insureon names Hiscox among example insurers, which is not a promise that every HUB or Insureon quote uses Hiscox paper. [1](https://www.hiscox.com/small-business-insurance "Hiscox Small Business Insurance") [4](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [5](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") [61](https://www.insureon.com/about-us "About Insureon") [35](https://www.hubinternational.com/contact-us/ "Contact Us") [31](https://www.hubinternational.com/about-us/ "About Us") ## Introduction Hiscox and HUB International overlap because Insureon lists Hiscox as an example insurer and because both sell or arrange small-business professional liability and cyber. Hiscox Inc. handles its online small-business sales; Hiscox Insurance Company Inc. is named for eligible Hiscox NOW products, and Hiscox also describes partner and surplus-lines placements that are not automatic on every online quote. HUB is a broker, not those Hiscox companies. The buyer question is whether you want Hiscox’s documented online products, or a HUB or Insureon producer that might place Hiscox or another insurer. [1](https://www.hiscox.com/small-business-insurance "Hiscox Small Business Insurance") [4](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [5](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") [61](https://www.insureon.com/about-us "About Insureon") [35](https://www.hubinternational.com/contact-us/ "Contact Us") ## Documented Provider Strengths ### Hiscox - Hiscox Inc., a Delaware producer, handles online small-business sales; Hiscox Insurance Company Inc. is the affiliated admitted insurer named for Hiscox NOW products. [5](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") [4](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") (Evidence: Company-reported; scope: Legal roles stated in current terms (last modified May 28, 2024) and the About Hiscox US page. Exact contracting entity still depends on product, channel and policy.; verified: 2026-09-16.) - Eligible applicants can quote Hiscox general liability, professional liability/E&O, cyber and a business owner’s policy online. [16](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [7](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [8](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [9](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [10](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/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") (Evidence: Company-reported; scope: Current Hiscox small-business product and quote pages. Names establish marketed Hiscox NOW-style products, not limits, retroactive dates, exclusions or class eligibility.; verified: 2026-09-16.) ### HUB International - HUB’s technology practice markets insurance and benefits programs to startups and software, hardware and digital-media companies, and says it currently insures more than 5,000 technology companies. [37](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Industry marketing page only. Does not establish California eligibility, insurer panels or policy wording for any named coverage.; verified: 2026-09-16.) - HUB routes qualifying small commercial accounts to Insureon’s online quote and other business insurance to a HUB advisor or local office; there is no published self-serve bind path for mid-market programs on hubinternational.com. [35](https://www.hubinternational.com/contact-us/ "Contact Us") [38](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [39](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [40](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [37](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [33](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | Hiscox | HUB International | | --- | --- | --- | | Builders risk | Not listed | Listed [37](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Business owner’s policy | Listed [10](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") | Listed [45](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") | | Cargo and transit | Not listed | Listed [55](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [37](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Commercial auto | Listed [12](https://www.hiscox.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance for Small Businesses") | Listed [47](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | | Commercial property | Not listed | Listed [46](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") | | Crime | Not listed | Listed [48](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [43](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Cyber liability | Listed [9](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [2](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") | Listed [40](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [37](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Directors and officers | Not listed | Listed [39](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [37](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Employee health and benefits | Not listed | Listed [57](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [28](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") | | Employment practices liability | Not listed | Listed [43](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [37](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Equipment breakdown | Not listed | Listed [56](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") | | Fidelity bonds | Not listed | Listed [43](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Fiduciary liability | Not listed | Listed [49](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [43](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | General liability | Listed [7](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") | Listed [38](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") | | Hired and non-owned auto | Not listed | Listed [47](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | | Key person | Not listed | Listed [37](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Kidnap and ransom | Not listed | Listed [50](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [43](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Management liability | Not listed | Listed [37](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [43](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Medical malpractice | Listed [13](https://www.hiscox.com/small-business-insurance/medical-malpractice-insurance "Medical Malpractice Insurance") | Listed [52](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") | | Product liability | Not listed | Listed [54](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | | Product recall | Not listed | Listed [54](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | | Professional liability / E&O | Listed [8](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [2](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") | Listed [41](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [42](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") | | Representations and warranties | Not listed | Listed [53](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") | | Surety bonds | Not listed | Listed [51](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") | | Technology errors and omissions | Not listed | Listed [37](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Tools, equipment and inland marine | Not listed | Listed [55](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") | | Trucking | Not listed | Listed [47](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | | Umbrella and excess liability | Not listed | Listed [54](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | | Virtual care and telehealth | Not listed | Listed [58](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") | | Workers’ compensation | Listed [11](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") | Listed [44](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between Hiscox and HUB International ### Producer and Insurer Inside Hiscox Versus HUB Brokerage Hiscox Inc., a Delaware producer, handles its online small-business sales; Hiscox Insurance Company Inc. is the affiliated admitted insurer named for Hiscox NOW products. [5](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") [4](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") HUB is a broker whose subsidiaries place coverage; it is not those Hiscox companies. [31](https://www.hubinternational.com/about-us/ "About Us") [32](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") Hiscox’s California producer path is specific to Hiscox Inc. HUB’s California retail producer is unnamed; Insureon publishes California producer license 0L09546 for Specialty Program Group. [6](https://www.hiscox.com/small-business-insurance/california-business-insurance "California Business Insurance") [62](https://www.insureon.com/legal/licenses "Insurance Licenses by State") ### What You Can Quote Online Eligible applicants can quote Hiscox general liability, professional liability/E&O, cyber and a business owner’s policy online. [16](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [8](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") HUB markets a wider brokerage catalogue of commercial lines. Hiscox also documents partner paths (for example workers’ compensation through Hartford Fire) that are not the same as Hiscox Insurance Company Inc. issuing every product shown online through Hiscox. Confirm the issuing company on any quote. [11](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") [36](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") ### Geography and Channel Limits Hiscox documents direct-path geography and channel limits. HUB documents offices, not a 50-state product grid. Eligibility is quote-specific on both sides. [1](https://www.hiscox.com/small-business-insurance "Hiscox Small Business Insurance") [30](https://www.hubinternational.com/offices/us/california/ "California Insurance Brokers") ### Application Hiscox says eligible buyers can get a small-business quote online by zip code and questions, with licensed advisors by phone. [16](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [1](https://www.hiscox.com/small-business-insurance "Hiscox Small Business Insurance") HUB routes qualifying small commercial accounts to Insureon and other business insurance to a HUB advisor; hubinternational.com does not publish a self-serve bind path for mid-market programs. [35](https://www.hubinternational.com/contact-us/ "Contact Us") If Insureon places Hiscox paper, Specialty Program Group LLC is the documented Insureon producer, not Hiscox Inc. [62](https://www.insureon.com/legal/licenses "Insurance Licenses by State") ## What to Confirm in Quotes - **Issuing company:** Hiscox Insurance Company Inc., a partner, surplus paper, or a non-Hiscox HUB market. [5](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") - **Whether the Hiscox Inc. California path applies** or only Insureon’s license. [6](https://www.hiscox.com/small-business-insurance/california-business-insurance "California Business Insurance") [62](https://www.insureon.com/legal/licenses "Insurance Licenses by State") - **Whether Insureon example-insurer language applies** to your class, or the quote uses another market. [61](https://www.insureon.com/about-us "About Insureon") ## Service Comparison Hiscox vs HUB International: documented services and availability. | Criteria | Hiscox | HUB International | | --- | --- | --- | | Business role | 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](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") [4](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") (Evidence: Company-reported; scope: Legal roles stated in current terms (last modified May 28, 2024) and the About Hiscox US page. Exact contracting entity still depends on product, channel and policy.; verified: 2026-09-16.)

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](https://www.hiscox.com/small-business-insurance/california-business-insurance "California Business Insurance") [23](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [11](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") [5](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") (Evidence: Company-reported; scope: California producer identity as published on Hiscox pages accessed 16 September 2026. Not a substitute for a live CDI Check a License search at purchase.; verified: 2026-09-16.) | 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](https://www.hubinternational.com/about-us/ "About Us") [32](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [36](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") (Evidence: Company-reported; scope: Brand and parent identity as of 16 September 2026. Does not identify which subsidiary would appear on a California producer license or policy declarations.; verified: 2026-09-16.)

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](https://www.hubinternational.com/about-us/ "About Us") [61](https://www.insureon.com/about-us "About Insureon") [62](https://www.insureon.com/legal/licenses "Insurance Licenses by State") [63](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon "Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon") [64](https://www.techinsurance.com/about-us "About Us | TechInsurance") (Evidence: Company-reported; scope: Corporate-affiliation statements. Does not establish that every HUB office places business through Insureon, or that TechInsurance is a distinct California producer.; verified: 2026-09-16.) | | Coverage lines | 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](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [7](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [8](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [9](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [10](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/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") (Evidence: Company-reported; scope: Current Hiscox small-business product and quote pages. Names establish marketed Hiscox NOW-style products, not limits, retroactive dates, exclusions or class eligibility.; verified: 2026-09-16.)

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](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Car Liability Insurance") [21](https://www.hiscox.com/small-business-insurance/business-owner-insurance/commercial-crime "Commercial crime insurance for small businesses") [10](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") (Evidence: Company-reported; scope: Current HNOA and commercial-crime product pages. Availability by state and class was not independently matrixed beyond those pages and the 2026 appetite guide.; verified: 2026-09-16.)

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](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") [12](https://www.hiscox.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance for Small Businesses") [13](https://www.hiscox.com/small-business-insurance/medical-malpractice-insurance "Medical Malpractice Insurance") [14](https://www.hiscox.com/small-business-insurance/short-term-liability-insurance "Short-Term Liability Insurance for Small Businesses") [15](https://www.hiscox.com/small-business-insurance/other-insurance "Specific Business Insurance Coverages") [26](https://www.hiscox.com/brokers/management-liability "Management Liability Insurance Executive Risks") (Evidence: Company-reported; scope: Current partner product pages. Broker-channel Hiscox C-Suite management liability is a different offering from the CyberPolicy D&O/EPLI links.; verified: 2026-09-16.) | 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](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") [38](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [46](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") [44](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [45](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") [47](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [40](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [39](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [41](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [42](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [48](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [49](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [50](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [51](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [52](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") [55](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [56](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") [53](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [54](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [57](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [43](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: Official product and casualty pages accessed 16 September 2026. Catalogue entries are brokerage offerings, not proof that a California startup can obtain each line on stated terms.; verified: 2026-09-16.)

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](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Technology industry page inventory. Patent package is a HUB grouping label, not a finding that intellectual-property insurance is separately underwritten. Builders risk is listed there as a technology offering.; verified: 2026-09-16.) | | Application process | 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](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [7](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [1](https://www.hiscox.com/small-business-insurance "Hiscox Small Business Insurance") (Evidence: Company-reported; scope: Public quote-page and product-FAQ statements accessed 16 September 2026. Instant-coverage marketing is not a tested bind. Partner products use separate quote sites.; verified: 2026-09-16.) | 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](https://www.hubinternational.com/contact-us/ "Contact Us") [38](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [39](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [40](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [37](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [33](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.) | | Access to insurers | 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](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3358&event=companyProfile "Hiscox Insurance Company Inc. Company Profile") [25](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=59700&s=Active&t=INS "Hiscox Insurance Company Inc.") [4](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [23](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [6](https://www.hiscox.com/small-business-insurance/california-business-insurance "California Business Insurance") (Evidence: Verified; scope: Admitted Hiscox NOW GL, professional liability, cyber and BOP as described in 2026 appetite and About pages, plus CDI/Illinois regulator records for the named insurer. Regulator authorization is not proof that a given class is written in California today.; verified: 2026-09-16.)

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](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") [12](https://www.hiscox.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance for Small Businesses") [13](https://www.hiscox.com/small-business-insurance/medical-malpractice-insurance "Medical Malpractice Insurance") [14](https://www.hiscox.com/small-business-insurance/short-term-liability-insurance "Short-Term Liability Insurance for Small Businesses") [15](https://www.hiscox.com/small-business-insurance/other-insurance "Specific Business Insurance Coverages") (Evidence: Company-reported; scope: Current Hiscox product-page footers and partner statements. Two commercial-auto routes (GEICO referral and CyberPolicy) are published simultaneously; this research did not determine which path a given zip code receives.; verified: 2026-09-16.)

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](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [5](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") (Evidence: Company-reported; scope: Company disclosures on About Hiscox US and website terms. This does not establish that a California online small-business quote uses Lloyd’s paper.; verified: 2026-09-16.) | 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](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") [46](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") [54](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [55](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [43](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: No verified HUB-wide carrier panel. Strategic-carrier focus is a compensation and placement practice, not a finding that only those markets are used.; verified: 2026-09-16.)

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](https://www.insureon.com/about-us "About Insureon") (Evidence: Company-reported; scope: Insureon About Us examples only. Availability varies by product, state and underwriting.; verified: 2026-09-16.) | | Availability | 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](https://www.hiscox.com/small-business-insurance "Hiscox Small Business Insurance") [7](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [8](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [23](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [6](https://www.hiscox.com/small-business-insurance/california-business-insurance "California Business Insurance") (Evidence: Company-reported; scope: Company-stated jurisdiction for the online/admitted small-business catalogue as of 16 September 2026. A 49-state license statement is not a product-by-profession matrix. California is included in the marketed 49-state set and has a dedicated Hiscox California page; that still does not bind a specific class.; verified: 2026-09-16.)

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](https://www.hiscox.com/contact-us "Contact Us") [26](https://www.hiscox.com/brokers/management-liability "Management Liability Insurance Executive Risks") [23](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") (Evidence: Company-reported; scope: Contact-page office list, C-Suite broker page and July 2026 appetite class notes. C-Suite restriction applies to that broker management-liability product, not automatically to online GL/PL/cyber/BOP.; verified: 2026-09-16.) | 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](https://www.hubinternational.com/about-us/ "About Us") [30](https://www.hubinternational.com/offices/us/california/ "California Insurance Brokers") [28](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") [29](https://www.hubinternational.com/offices/us/california/san-francisco-44-montgomery-street/ "HUB International San Francisco 44 Montgomery Street") (Evidence: Company-reported; scope: Company-reported footprint and office directory. No 50-state product map was found on the reviewed HUB pages.; verified: 2026-09-16.)

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](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [28](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") [62](https://www.insureon.com/legal/licenses "Insurance Licenses by State") [65](https://cdicloud.insurance.ca.gov/cal "California Department of Insurance License Status Inquiry") (Evidence: Not found in reviewed sources; scope: Reviewed 16 September 2026. Interactive CDI search was not used to produce a screenshot or official abstract. No license number is independently verified here.; verified: 2026-09-16.) | ## Related Reading - [What Is Hiscox?](https://spot.insure/insurance-providers/hiscox) - [What Is HUB International?](https://spot.insure/insurance-providers/hub-international) ## Related Comparisons - [Alliance Risk vs Hiscox](https://spot.insure/compare/alliance-risk-vs-hiscox) - [Alliance Risk vs HUB International](https://spot.insure/compare/alliance-risk-vs-hub-international) - [Amelia Risk vs Hiscox](https://spot.insure/compare/amelia-risk-vs-hiscox) - [Amelia Risk vs HUB International](https://spot.insure/compare/amelia-risk-vs-hub-international) - [Armilla vs Hiscox](https://spot.insure/compare/armilla-vs-hiscox) - [Armilla vs HUB International](https://spot.insure/compare/armilla-vs-hub-international) - [At-Bay vs Hiscox](https://spot.insure/compare/at-bay-vs-hiscox) - [At-Bay vs HUB International Insurance](https://spot.insure/compare/at-bay-vs-hub-international) - [Beazley vs Hiscox](https://spot.insure/compare/beazley-vs-hiscox) - 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[HUB International vs WithCoverage](https://spot.insure/compare/hub-international-vs-withcoverage) ## Sources ### [Hiscox Official Website](https://www.hiscox.com/small-business-insurance) 1. [Hiscox Small Business Insurance](https://www.hiscox.com/small-business-insurance). Hiscox; Product selector (GL, professional liability/E&O, cyber, workers compensation, commercial auto, medical malpractice, short-term liability); FAQ that Hiscox is licensed in 49 states and D.C. and unavailable in Alaska; partnership language for workers’ compensation; online quote statements. Accessed 2026-09-16. 2. [IT Professional & General Liability Insurance](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance). Hiscox; IT/technology professional audience; general liability, BOP, professional liability/E&O and cyber security descriptions for IT businesses; illustrative cyber breach-response example. Accessed 2026-09-16. 3. [Insurance for IT Consultants](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance/it-consultant-insurance). Hiscox; IT consultant professional-liability and general-liability descriptions, including the phrase technology professional liability insurance as a label for E&O for IT work. 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 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. 5. [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. 6. [California Business Insurance](https://www.hiscox.com/small-business-insurance/california-business-insurance). Hiscox; California product list (GL, professional liability, BOP, workers compensation, cyber); IT/technology profession link; payment-option and worldwide-claim-filing statements; footer that products are approved by the California Department of Insurance and underwritten by Hiscox Insurance Company Inc.; Hiscox Inc. as Delaware licensed producer; California d/b/a Hiscox Insurance Agency license no. 0F09668; coverage subject to underwriting and may not be available in all states; company-stated Illinois license number 8754. Accessed 2026-09-16. 7. [General Liability Insurance](https://www.hiscox.com/small-business-insurance/general-liability-insurance). Hiscox; Online quote; 49-state and D.C. availability with Alaska excluded; broker-referral if not sold online; payment annually or monthly with no additional fees; online 24/7 claim reporting; policy issued via email and certificate in welcome documents; illustrative California consultant pricing table labeled as illustrative; electronic data liability for IT professions; coverage subject to underwriting. Accessed 2026-09-16. 8. [Professional Liability Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/professional-liability-insurance). Hiscox; Professional liability/E&O product; licensed in 49 states and Washington, D.C. (Alaska excluded); specialist-broker assistance if not licensed in a state; licensed-advisor hours. Accessed 2026-09-16. 9. [Cyber Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/cyber-security-insurance). Hiscox; Standalone cyber security/cyber liability product with online quote; data-breach, cyberattack and related-loss descriptions; licensed-agent phone number 1-833-816-2811. Accessed 2026-09-16. 10. [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 labeled with asterisks; worldwide-coverage qualifications. Accessed 2026-09-16. 11. [Workers Compensation Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance). Hiscox; Partnership with The Hartford; general liability required to purchase workers comp; not available for all classes; footer that coverage is made available through Hiscox Inc. d/b/a Hiscox Insurance Agency in CA and underwritten by Hartford Fire Insurance, One Hartford Plaza, Hartford, CT 06155. Accessed 2026-09-16. 12. [Commercial Auto Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/commercial-auto-insurance). Hiscox; Commercial auto product page; quote redirect to a site not owned by Hiscox; customers referred to GEICO by Hiscox Inc. d/b/a Hiscox Insurance Agency in CA; products underwritten by Government Employees Insurance Company and affiliates. Accessed 2026-09-16. 13. [Medical Malpractice Insurance](https://www.hiscox.com/small-business-insurance/medical-malpractice-insurance). Hiscox; Partnership with NOW Insurance for medical malpractice quotes; footer that NOW Insurance is not affiliated with the Hiscox group and that Hiscox Inc. d/b/a Hiscox Insurance Agency in CA provides access to coverage available through NOW Insurance. Accessed 2026-09-16. 14. [Short-Term Liability Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/short-term-liability-insurance). Hiscox; Partnership with Thimble for short-term general and professional liability; not available in all jurisdictions or classes; underwritten by Markel Insurance Company, Ten Parkway North, Deerfield, IL 60015. Accessed 2026-09-16. 15. [Specific Business Insurance Coverages](https://www.hiscox.com/small-business-insurance/other-insurance). Hiscox; Partnership with CyberPolicy for additional coverages including commercial auto, umbrella, directors and officers, and employment practices liability, with quote links to sme.cyberpolicy.com. Accessed 2026-09-16. 16. [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. 17. [Start a Business Insurance Claim Online, by Phone or Mail](https://www.hiscox.com/manage-your-policy/claims-center). Hiscox; Online claim filing; phone 1-866-424-8508 with posted hours; specialized claims professional assignment; coverage validation; liability claims attorney-appointment description; broker-reported claims option; company marketing phrase award-winning claims service. Accessed 2026-09-16. 18. [Manage your policy](https://www.hiscox.com/manage-your-policy). Hiscox; Online account functions: download policy documents, certificates, authorized person, same-state address and business-name changes, loss runs, waiver of subrogation, certificate holder, document submission; phone-only changes including payment method, limits, new-state address, coverage adjustments and cancellation. Accessed 2026-09-16. 19. [Get a Certificate of Insurance (COI)](https://www.hiscox.com/manage-your-policy/get-certificate-of-insurance). Hiscox; Online ACORD/certificate generation using policy number and policy email address. Accessed 2026-09-16. 20. [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. 21. [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. 22. [Contact Us](https://www.hiscox.com/contact-us). Hiscox; U.S. locations including Atlanta headquarters and a Los Angeles office; statement that Hiscox operates in 49 U.S. states and D.C. and offers specialty products through U.S. brokers. Accessed 2026-09-16. 23. [Hiscox US Agent Appetite Guide](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf). Hiscox; Document 23295 07/26; Hiscox NOW admitted GL, PL, cyber and BOP; state exceptions including BOP unavailable in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia; technology classes including IT consultants and software development; footer that products are made available through Hiscox Inc. d/b/a Hiscox Insurance Agency in CA and underwritten by Hiscox Insurance Company Inc.; commission and premium may vary. Accessed 2026-09-16. 24. [Hiscox Insurance Company Inc. Company Profile](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3358&event=companyProfile). California Department of Insurance; HISCOX INSURANCE COMPANY INC.; NAIC 10200; California Company ID 1439-9; authorized in California 09/14/1953; license status UNLIMITED-NORMAL; company type Property & Casualty; domicile Illinois; NAIC Group 4666 Hiscox Ins Grp; authorized lines including liability, fire, workers’ compensation, surety and others. Accessed 2026-09-16. 25. [Hiscox Insurance Company Inc.](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=59700&s=Active&t=INS). Illinois Department of Insurance; Legal name HISCOX INSURANCE COMPANY INC.; P&C Domestic Stock; domicile County of Cook, Illinois; parent Hiscox Ltd.; status Active; NAIC 4666 10200; incorporated 11/26/1952; 125 South Wacker Drive Suite 2080 Chicago, IL 60606. Accessed 2026-09-16. 26. [Management Liability Insurance Executive Risks](https://www.hiscox.com/brokers/management-liability). Hiscox; Broker-facing Hiscox C-Suite management liability and crime solution; statement we are no longer entertaining risks in the metro areas of California; add-on references to media, cyber, crime and technology; not the consumer small-business online catalogue. Accessed 2026-09-16. 27. [What is Professional Liability Insurance?](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq). Hiscox; Claims-made description; current-customer claim number 866-424-8508 described as open 24 hours a day, 7 days a week. Accessed 2026-09-16. ### [HUB International Official Website](https://www.hubinternational.com) 28. [Insurance Broker San Francisco](https://www.hubinternational.com/offices/us/california/san-francisco/). HUB International; JSON-LD InsuranceAgency record naming HUB International Limited as parent; About Us office copy for 201 Mission Street; products and industries blocks. Accessed 2026-09-16. 29. [HUB International San Francisco 44 Montgomery Street](https://www.hubinternational.com/offices/us/california/san-francisco-44-montgomery-street/). HUB International; Office profile describing Merriwether & Williams Insurance Services history, bonding and contractor-development programs. Accessed 2026-09-16. 30. [California Insurance Brokers](https://www.hubinternational.com/offices/us/california/). HUB International; Introductory copy and listed California office directory including San Francisco locations. Accessed 2026-09-16. 31. [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. 32. [Terms and Conditions](https://www.hubinternational.com/terms-and-conditions/). HUB International; Licensing section stating subsidiaries are licensed as brokers or agents in various U.S. states and Canadian provinces. Accessed 2026-09-16. 33. [HUB International Privacy Policy](https://www.hubinternational.com/about-us/privacy-policy/). HUB International; Effective 21 August 2025; applies to HUB International Limited and subsidiaries; insurance brokerage services; automation for quoting. Accessed 2026-09-16. 34. [How We Get Paid](https://www.hubinternational.com/about-us/how-we-get-paid/). HUB International; Commission, contingency, supplemental commission, client-paid fees, wholesale, carrier-services, strategic-carrier and other-compensation sections. Accessed 2026-09-16. 35. [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. 36. [Business Insurance Broker Coverage Policy](https://www.hubinternational.com/products/business-insurance/). HUB International; Essential coverage and beyond-the-basics product catalogue. Accessed 2026-09-16. 37. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Startup and software/hardware/digital-media audience; listed business and people coverages; claimed technology-client count. Accessed 2026-09-16. 38. [General Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/general-liability/). HUB International; Product page describing typical general-liability subjects and invitation to contact a broker. Accessed 2026-09-16. 39. [Directors and Officers (D&O) Liability Insurance Broker](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/). HUB International; Product page for private, nonprofit and public-company D&O brokerage. Accessed 2026-09-16. 40. [Cyber Insurance](https://www.hubinternational.com/products/business-insurance/cyber-insurance/). HUB International; Product page describing first-party and post-breach cyber expenses as typically arranged. Accessed 2026-09-16. 41. [Professional Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/). HUB International; Product page equating professional liability with errors and omissions and describing typical claim types. Accessed 2026-09-16. 42. [Errors and Omissions (E&O) Insurance Coverage](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/). HUB International; Industries listed for E&O including technology, and statement that policies are customized. Accessed 2026-09-16. 43. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; Professional & Executive Risk practice: EPL, fiduciary, crime/fidelity, K&R; certificates of insurance; claims and legal support; carrier-premium claim. Accessed 2026-09-16. 44. [Workers' Compensation Insurance Brokers](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/). HUB International; Product page on workers’ compensation brokerage, state-fund variation and typical benefits. Accessed 2026-09-16. 45. [Business Owners Policy (BOP) Company Coverage](https://www.hubinternational.com/products/business-insurance/business-owners-policy/). HUB International; BOP described as combined property and liability for small and mid-size businesses. Accessed 2026-09-16. 46. [Commercial (Business) Property Insurance Brokers](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/). HUB International; Property Practice description, domestic and global carrier access, traditional and alternative structures. Accessed 2026-09-16. 47. [Commercial Auto Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/commercial-auto/). HUB International; Commercial auto and trucking insurance; hired and non-owned exposures. Accessed 2026-09-16. 48. [Crime Insurance Brokers](https://www.hubinternational.com/products/business-insurance/crime-insurance/). HUB International; Crime/fraud coverage product page for private, public and not-for-profit organizations. Accessed 2026-09-16. 49. [Fiduciary Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/). HUB International; Fiduciary liability product page distinguishing it from D&O. Accessed 2026-09-16. 50. [Kidnap and Ransom Insurance Brokers](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/). HUB International; Kidnap and ransom product page for traveling executives and employees. Accessed 2026-09-16. 51. [Surety Bonds and Surety Bond Insurance for Businesses](https://www.hubinternational.com/products/business-insurance/surety-bonds/). HUB International; Contract surety types including bid, performance and payment bonds. Accessed 2026-09-16. 52. [Medical Malpractice Insurance Brokers](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/). HUB International; Medical malpractice brokerage, including telemedicine-related risks. Accessed 2026-09-16. 53. [Mergers & Acquisitions (M&A) Insurance Broker](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/). HUB International; Representations and warranties, litigation buyout and tax indemnification insurance. Accessed 2026-09-16. 54. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). HUB International; General and product liability, umbrella and excess, workers’ compensation, product recall ancillary, global carrier relationships. Accessed 2026-09-16. 55. [Marine Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/marine-insurance/). HUB International; Ocean and inland marine, cargo and related marine liability coverages; domestic and international carriers. Accessed 2026-09-16. 56. [Boiler and Machinery Equipment Insurance Coverage](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/). HUB International; Equipment breakdown / boiler and machinery product page. Accessed 2026-09-16. 57. [Employee Benefits Brokers and Consulting Services](https://www.hubinternational.com/products/employee-benefits/). HUB International; Employee-benefits brokerage and multi-year planning services. Accessed 2026-09-16. 58. [Virtual Care Insurance Brokerage Coverage](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/). HUB International; Virtual care medical professional liability, technology E&O, products liability, cyber and management liability list. Accessed 2026-09-16. 59. [Insurance Claims Management](https://www.hubinternational.com/products/risk-services/claims-management/). HUB International; Claims advocacy, TPA coordination, coverage-dispute support and published process metrics. Accessed 2026-09-16. 60. [Risk Management Information System (RMIS)](https://www.hubinternational.com/products/risk-services/risk-management-information-system/). HUB International; RMIS claims administration, certificate tracking and carrier/TPA data aggregation. Accessed 2026-09-16. 61. [About Insureon](https://www.insureon.com/about-us). Insureon; Insureon as part of HUB; licensed in every state; named example insurers; 2022 acquisition history; TechInsurance origin. Accessed 2026-09-16. 62. [Insurance Licenses by State](https://www.insureon.com/legal/licenses). Insureon; California 0L09546; footer that Insureon operates as a division of Specialty Program Group LLC dba SPG Insurance Solutions. Accessed 2026-09-16. 63. [Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon). Insureon; 1 March 2022 announcement that HUB would acquire the Insureon digital agency and brand; operations to sit in Specialty Program Group LLC. Accessed 2026-09-16. 64. [About Us | TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; TechInsurance as part of Insureon; 2022 HUB acquisition of Insureon’s digital agency. Accessed 2026-09-16. 65. [California Department of Insurance License Status Inquiry](https://cdicloud.insurance.ca.gov/cal). California Department of Insurance; Public license-search portal landing page; interactive search was not completed to a verifiable license record in this research. Accessed 2026-09-16. Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). 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