---
title: "Hiscox vs Mylo: Business Owner’s Policy"
description: "Hiscox lets you buy its own BOP online and add cyber, hired auto or crime, but not in seven states including Florida and Ohio. Mylo shops more than 40 insurers, Hiscox among them, and includes business interruption in the bundle."
canonical: "https://spot.insure/compare/hiscox-vs-mylo/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "hiscox-vs-mylo"
provider-a: "hiscox"
provider-b: "mylo"
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-mylo/business-owners-policy)

## Agent Guide

**What this page is:** Focused comparison of Hiscox and Mylo 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 Mylo. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Hiscox vs Mylo for Business Owner’s Policy: how do they differ?
- Which is better for Business Owner’s Policy, Hiscox or Mylo?
- What does Hiscox or Mylo publish about Business Owner’s Policy (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Business Owner’s Policy. Providers: Hiscox and Mylo.
- 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 Mylo](https://spot.insure/compare/hiscox-vs-mylo) — 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
- [Mylo profile](https://spot.insure/insurance-providers/mylo) — provider profile

# Hiscox vs Mylo: How Do They Compare for Business Owner’s Policy?

Mylo, a broker partnered with more than 40 A-rated carriers, shops BOPs online or by phone, including Hiscox, which sells its BOP directly online in most states and names Hiscox Insurance Company Inc. as underwriter.

Hiscox sells its own BOP online in most states; Mylo compares BOP quotes from more than 40 insurers, Hiscox among them, and includes business interruption.

## Hiscox vs Mylo Business Owner’s Policy Summary

Hiscox lets you buy its own BOP online and add cyber, hired auto or crime, but not in seven states including Florida and Ohio. Mylo shops more than 40 insurers, Hiscox among them, and includes business interruption in the bundle. [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") [5](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [7](https://choosemylo.com/business/business-insurance "Business Insurance") [6](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy")

## What Are the Key Differences Between Hiscox and Mylo Business Owner’s Policy?

### One Insurer Online Versus a Wider Search

Hiscox writes its Hiscox NOW BOP itself, so the price you see online comes from the company that pays your claims. It isn't sold in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington or West Virginia. Mylo compares quotes from Travelers, Liberty Mutual, The Hartford, Hiscox and others, so a Mylo quote may or may not be a Hiscox policy. Choose Hiscox if you're outside those seven states and want to buy online in one sitting; choose Mylo if you're in one of them or want several prices side by side. [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") [7](https://choosemylo.com/business/business-insurance "Business Insurance")

### Interruption Included or Add-Ons to Build Up

Mylo's BOP has three parts: general liability, property, and lost income during a covered shutdown. Mylo says packaging them usually costs less than buying each separately. Hiscox's page doesn't list interruption as a base part. Instead it offers cyber, hired and non-owned auto, and crime upgrades, with auto and crime sharing the BOP's per-occurrence limit rather than adding to it. [1](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [6](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy")

### Who Helps You Buy

Hiscox runs quote and purchase on its own site. Mylo works online through its Mind of Mylo tool or by phone, with agents licensed in all 50 states. [1](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [7](https://choosemylo.com/business/business-insurance "Business Insurance")

## What Should You Confirm in Hiscox and Mylo Business Owner’s Policy Quotes?

- Ask Mylo which insurer issues each BOP quote, and whether one is Hiscox. [7](https://choosemylo.com/business/business-insurance "Business Insurance")
- Ask Hiscox whether your quote includes business interruption and on what terms. [6](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") [1](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage")
- If you add Hiscox's hired auto or crime upgrades, check that the shared occurrence limit is high enough. [1](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage")
- Ask Mylo whether its quoted insurers offer cyber, hired auto and crime add-ons like Hiscox's. [1](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [6](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy")

## Hiscox vs Mylo Business Owner’s Policy Compared

| Criteria | Hiscox Business Owner's Policy | Mylo Business Owner's Policy |
| --- | --- | --- |
| 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. [5](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") (Evidence: Company-reported; scope: State-exception list as of the 2026 agent appetite guide; does not by itself establish eligibility for a specific class or business..) | Mylo's business-insurance overview page lists a BOP among the coverages most owners start with, alongside commercial auto, workers' compensation and commercial umbrella, and says it gives each business a personalized coverage recommendation. [7](https://choosemylo.com/business/business-insurance "Business Insurance") (Evidence: Company-reported; scope: Business-insurance overview page..) |
| 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..) | Mylo says a buyer can shop for a BOP online through its Mind of Mylo recommendation tool or by phone with a licensed advisor (844-863-5950), and that Mylo has agents licensed in all 50 states. [7](https://choosemylo.com/business/business-insurance "Business Insurance") (Evidence: Company-reported; scope: Business-insurance overview page FAQ..) |
| 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..) | Mylo describes its BOP as bundling three coverages: general liability for third-party bodily injury, property damage and advertising-injury claims; commercial property for damage to a business's building and business personal property from causes such as fire, storm, theft or vandalism; and business interruption for lost income (actual loss sustained) during a covered shutdown. [6](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") (Evidence: Company-reported; scope: BOP product page coverage sections; the issued policy and its exclusions control..)<br><br>Mylo says packaging these three coverages in a BOP instead of buying them separately typically costs less and can provide better coverage than buying each individually. [6](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") (Evidence: Company-reported; scope: BOP product page FAQ; a general company statement, not a quoted savings figure for any specific business..) |
| 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..) | Mylo brokers a business owner's policy by comparing quotes from multiple carriers rather than underwriting the policy itself. [6](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") [7](https://choosemylo.com/business/business-insurance "Business Insurance") (Evidence: Company-reported; scope: BOP product page and the business-insurance overview page..) |
| 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. [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") (Evidence: Company-reported; scope: Admitted small-business BOP coverage as described in company materials; the exact contracting entity for a particular state or channel should be confirmed on the quote..) | Mylo says it partners with more than 40 A-rated commercial insurance carriers and names Travelers, Liberty Mutual, The Hartford and Hiscox as examples, but neither page identifies which carrier would issue a specific business's BOP. [7](https://choosemylo.com/business/business-insurance "Business Insurance") (Evidence: Company-reported; scope: Business-insurance overview page FAQ; the carrier panel is described company-wide, not BOP-specific..) |

## About Hiscox and Mylo and Business Owner’s Policy

- [Hiscox company profile](https://spot.insure/insurance-providers/hiscox) · [Hiscox customer reviews](https://spot.insure/insurance-providers/hiscox/reviews)
- [Mylo company profile](https://spot.insure/insurance-providers/mylo) · [Mylo customer reviews](https://spot.insure/insurance-providers/mylo/reviews)
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy)

## Related Pages for Hiscox vs Mylo Business Owner’s Policy

- [Hiscox vs Mylo](https://spot.insure/compare/hiscox-vs-mylo): 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)
- [Mylo Business Owner’s Policy](https://spot.insure/insurance-providers/mylo/business-owners-policy)

## Sources for Hiscox vs Mylo 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 Mylo

6. [Business Owner's Policy](https://choosemylo.com/business/product-business-owners-policy). Mylo; Like you, a BOP can do three things at once!; Coverage #1: general liability; Coverage #2: commercial property; Coverage #3: Business Interruption; Business Owner Policy FAQs. Accessed 2026-09-23.
7. [Business Insurance](https://choosemylo.com/business/business-insurance). Mylo; What insurance does a small business need?; Why Mylo? (40+ top-rated commercial insurance partners, 4.8 Google rating, BBB Accredited); What insurance carriers do you work with?; How do I shop for insurance with Mylo?. 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). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/hiscox-vs-mylo/business-owners-policy.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)