What Is Hiscox?
Hiscox suits eligible small businesses that want online GL, professional liability, cyber or BOP quotes; businesses needing other specialty products should compare brokers. Core Hiscox NOW policies are usually issued by its own insurer, while some products use partners. 1,2,3
What Is Liberty Mutual Business Insurance?
Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. 8,9
What Is a Business Owner’s Policy?
A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. 11,12
What Are the Key Differences Between Hiscox and Liberty Mutual Business Owner’s Policy?
Online Purchase and State Availability
Hiscox says eligible customers can quote and buy its BOP online and select available add-ons during checkout; its 2026 appetite guide lists Alaska, Florida, Kansas, Ohio, Rhode Island, Washington, and West Virginia as unavailable for this product. Liberty Mutual directs small-business shoppers to independent agents and does not state comparable state exclusions in the reviewed page. Check the BOP-specific state list before investing time in an application, since Hiscox's broader online catalogue footprint does not apply to every line. 7 10
Add-Ons and Issuing Insurer
Hiscox identifies cyber, hired and non-owned auto, and commercial crime as possible BOP add-ons; its guide names Hiscox Insurance Company Inc. as the underwriter of admitted Hiscox NOW BOPs. Liberty Mutual describes optional cyber or professional liability and treats auto as separate, while its public overview does not name the issuing company. If you need vehicle liability or crime protection, compare whether it attaches to the BOP occurrence limit and who issues each contract. 4 10
What Should You Confirm in Hiscox and Liberty Mutual Business Owner’s Policy Quotes?
- Ask Hiscox to verify availability in your state and the limit linkage for HNOA or crime options. 7
- Ask Liberty Mutual's agent which insurer issues the quote and whether auto or cyber requires another policy. 10
- Compare base property and liability limits, add-on terms, and exclusions before purchase. 4 10
Hiscox and Liberty Mutual Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Hiscox Review Score
Review Score
4 rated sources
Hiscox’s review results are sharply divided: low Trustpilot and ConsumerAffairs scores contrast with strong Feefo feedback. Service quality deserves closer scrutiny before purchase.[1][4][5][6][7]
Read Hiscox reviewsLiberty Mutual Review Score
Review Score
2 rated sources
Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.[4][1]
Read Liberty Mutual reviewsHiscox vs Liberty Mutual Business Owner’s Policy Compared
Hiscox vs Liberty Mutual: Business Owner’s Policy: documented features by provider
| Criteria | Hiscox Business Owner's Policy | Liberty Mutual Small Business Business Owner’s Policy |
|---|---|---|
| Role in This Line | Hiscox Inc. sells a business owner's policy directly online to small businesses, combining general liability and commercial property into one package as part of its Hiscox NOW admitted catalogue. 4,3Company-reported. Company-stated online small-business channel. | Liberty Mutual markets a small-business BOP through its retail business channel. 10Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| Issuing Insurer | Hiscox's appetite guide and About Hiscox US page name Hiscox Insurance Company Inc. (NAIC 10200) as the underwriter of admitted Hiscox NOW business owner's policies. 7,3Company-reported. Admitted small-business BOP coverage as described in company materials; the exact contracting entity for a particular state or channel should be confirmed on the quote. | Confirm in your quote. |
| Who It’s For | Hiscox's 2026 appetite guide says its business owner's policy is unavailable in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia, a narrower footprint than the 49-state-plus-D.C. availability Hiscox states for its overall online small-business catalogue. 7Company-reported. State-exception list as of the 2026 agent appetite guide; does not by itself establish eligibility for a specific class or business. | The page positions the product for small businesses and refers buyers to independent agents; it is not evidence of a mid-market BOP or universal availability. 10Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| Coverage Features | Hiscox describes optional add-ons to its business owner's policy including cyber coverage, hired/non-owned commercial auto, and commercial crime; hired/non-owned auto and commercial crime are described as upgrades tied to the BOP's own occurrence limit and are not sold as standalone Hiscox policies. 4,5,6Company-reported. Product-page and upgrade-page descriptions; commercial crime is also stated as not available in all states. | The page describes a BOP combining commercial property and general liability, with optional cyber or professional-liability additions; it distinguishes separate policies such as auto and workers’ compensation. 10Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
| Limits and Retentions | The BOP page does not publish standard coverage limits; the illustrative California IT/technology consultant pricing table on the page is explicitly labeled illustrative rather than a quote. 4Not publicly disclosed. Public product page as previously reviewed. | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 10Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. |
| How to Apply | Hiscox says eligible buyers can quote and buy a business owner's policy online, and can select add-on coverages such as cyber or commercial crime during that process where available. 4Company-reported. Company-described online application; eligibility and binding conditions require confirmation on the actual application. | Liberty Mutual directs small-business buyers to independent-agent distribution for this BOP. 10Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. |
Related Pages for Hiscox vs Liberty Mutual Business Owner’s Policy
Business Owner’s Policy Pages for Hiscox and Liberty Mutual
Other Coverage Lines Compared for Hiscox vs Liberty Mutual
Other Business Owner’s Policy Provider Comparisons
Sources for Hiscox vs Liberty Mutual Business Owner’s Policy
Sources About Hiscox
- Website Terms & Conditions of Use. Hiscox; Last modified May 28, 2024; Hiscox Inc. as Delaware corporation headquartered in Atlanta, d/b/a Hiscox Insurance Agency in CA, licensed intermediary for admitted and surplus-lines business with Hiscox Insurance Company Inc., other domestic insurers, and Lloyd’s syndicates; small-business online path distinguished from broker-only site sections. Accessed 2026-09-16.
- Get A Small Business Insurance Quote. Hiscox; States that Hiscox offers general liability, professional liability, cyber security and business owner’s policies online; zip-code quote field; licensed-agent hours Monday–Friday 7 a.m.–10 p.m. ET and Saturday–Sunday 8 a.m.–5 p.m. ET. Accessed 2026-09-16.
- About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
- Business Owner's Policy Insurance (BOP) Coverage. Hiscox; BOP as combined general liability and commercial property; optional packages including cyber, non-owned commercial auto, commercial crime and professional liability; illustrative California IT/technology consultant pricing table; worldwide-coverage qualifications. Accessed 2026-09-16.
- Non-Owned Car Liability Insurance. Hiscox; Hired/non-owned auto described as an upgrade to a business owner's policy and part of that policy's occurrence limit, not coverage for vehicles owned or regularly operated by the business. Accessed 2026-09-16.
- Commercial crime insurance for small businesses. Hiscox; Commercial crime as a BOP upgrade not sold separately; not available in all states. Accessed 2026-09-16.
- Hiscox US Agent Appetite Guide. Hiscox; Hiscox NOW admitted GL, PL, cyber and BOP underwritten by Hiscox Insurance Company Inc.; state exceptions including BOP unavailable in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia. Accessed 2026-09-16.
Sources About Liberty Mutual
- Company Profile. Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide). Accessed 2026-09-29.
- Commercial Insurance Solutions. Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary. Accessed 2026-09-29.
- Business owner's policy insurance. Liberty Mutual; Opened September 29, 2026. Lines 21–45 describe a small-business BOP combining property and general liability, common coverages, and optional cyber/professional-liability supplements. Lines 53–55 identify independent-agent distribution; lines 113–121 distinguish standalone GL, BOP, commercial package policy and separate commercial auto, workers compensation, farm, and inland marine risks. This is the small-business retail offer, not a mid-market form or issuer-level disclosure. Accessed 2026-09-29.
Sources for the Business Owner’s Policy Guide
- Small Business. National Association of Insurance Commissioners; FAQ: What’s a business owners policy?; What’s general liability insurance. Accessed 2026-09-16.
- Business Interruption and Business Owner Policy. National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.
