Hiscox vs 
Relm Insurance Cyber Insurance
Hiscox sells cyber insurance directly to small businesses online; Relm markets its cyber line to brokers who place it for digitally dependent clients.
What Is Hiscox?
Hiscox is a U.S. small-business insurance brand whose website is operated by Hiscox Inc., a Delaware producer that does business in California as Hiscox Insurance Agency. Eligible firms can quote general liability, professional liability, cyber and a business owner’s policy online; other advertised lines are often placed with partner insurers, so the issuing company on each quote still has to be checked. 1,2,3
What Is Relm Insurance?
Relm is a specialty insurance business serving emerging industries. Its AI range distinguishes developer liability, gaps in existing liability insurance and losses from third-party AI failures. 7,8
What Is Cyber Insurance?
Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. 10
Key Differences in Cyber Insurance
Distribution Path
Hiscox's cyber page describes a self-service online quote with a licensed-agent phone line for questions. Relm sells cyber through brokers. 4 9
Who Each Product Is Framed Around
Hiscox targets small businesses broadly and IT and technology consultants specifically. Relm instead frames eligibility around any business relying on digital infrastructure, emphasizing sectors it describes as having "untested legal terrain and lagging regulation." 4 5 9
How Coverage Is Structured
Hiscox describes cyber coverage as a single response to data breaches, cyberattacks and related losses without distinguishing first-party and third-party pieces on its product page. Relm explicitly separates the two: first-party coverage for the insured's own losses, and third-party cyber liability for claims brought against the client, which it says typically covers legal fees, settlements and regulatory penalties.
Relm distinguishes first-party cyber coverage (the insured's own losses) from third-party cyber liability (claims against the client resulting from a loss), saying third-party cyber typically covers legal fees, settlements and regulatory penalties. 9Company-reported. Cyber and Tech E&O page 'First-Party Vs. Third-Party Cyber Liability Insurance' section.
4What to Confirm in Cyber Insurance Quotes
- Ask your broker which insurer Relm is placing the policy with; the reviewed page does not name one. 9
- Confirm which Hiscox entity underwrites your admitted policy for your state. 6
- Get published limits and retentions from both; neither reviewed page lists them. 4 9
- Ask which specific digital-crime scenarios, such as funds transfer fraud or invoice manipulation, are included in Relm's base cyber form versus sold as endorsements. 9
Offering Details
Hiscox vs Relm Insurance Cyber Insurance: documented features by provider
| Criteria | Hiscox Cyber Security Insurance | Relm Cyber Insurance |
|---|---|---|
| Role in This Line | Hiscox Inc. sells cyber insurance directly online as a standalone product for small businesses, separate from its business owner's policy, which also offers an optional cyber add-on. 4Company-reported. Company-stated standalone small-business cyber product; the BOP cyber add-on is a distinct package option described on a different page. | Relm markets cyber liability insurance as a distinct line on the same page as its Technology Errors and Omissions product, explicitly noting the two are related but not the same coverage. 9Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. This record covers general cyber liability, distinct from Relm's separate generative-ai-liability offering record covering its NOVAAI, PONTAAI and RESCAAI AI-specific products. |
| 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 cyber policies. 6,3Company-reported. Admitted small-business cyber coverage as described in company materials; the exact contracting entity for a particular state or channel should be confirmed on the quote. | The reviewed page does not name a specific issuing insurer for cyber placements. 9Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific. |
| Who It’s For | Hiscox markets cyber insurance to small businesses broadly and specifically to IT and technology consultants, describing itself as customizing coverage for the technology sector's data-handling and security exposures. 4,5Company-reported. Company-stated audience across the standalone cyber page and the IT-insurance page. | Relm says a business is exposed to cyber risk if it relies on digital infrastructure, and frames the coverage around sectors with 'untested legal terrain and lagging regulation.' 9Company-reported. Cyber and Tech E&O page framing; not a guarantee of eligibility for a particular company. |
| Coverage Features | Hiscox describes cyber coverage as responding to data breaches, cyberattacks and related losses, and its IT-insurance page shows an illustrative breach-response example describing notification and related costs after a data incident. 4,5Company-reported. Product-page description; the illustrative example is explicitly a hypothetical scenario, not a specific limit or claim outcome, and actual coverage terms are set by the issued policy. | Relm says cyber coverage addresses network security breaches, privacy breaches and extortion threats, including data breach response costs (notification, credit monitoring, PR), forensic investigation and legal defense, ransom payments and business interruption losses, data and asset recovery, and digital crime such as funds transfer fraud and invoice manipulation. 9Company-reported. Cyber and Tech E&O page 'What is Cyber Insurance?' section; the issued policy and declarations control. Relm distinguishes first-party cyber coverage (the insured's own losses) from third-party cyber liability (claims against the client resulting from a loss), saying third-party cyber typically covers legal fees, settlements and regulatory penalties. 9Company-reported. Cyber and Tech E&O page 'First-Party Vs. Third-Party Cyber Liability Insurance' section. |
| Limits and Retentions | The cyber product page does not publish standard limit, retention or deductible amounts; figures shown elsewhere on the site are illustrative examples rather than quotes. 4Not publicly disclosed. Public product page as previously reviewed. | Not described in the reviewed sources. |
| Risk Services | The reviewed cyber product page does not describe ongoing security-monitoring or risk-prevention services made available to policyholders; it describes post-incident breach-response coverage rather than a monitoring service. 4Not found in reviewed sources. Standalone cyber product page as previously reviewed. | Not described in the reviewed sources. |
| How to Apply | Hiscox says eligible buyers can get a cyber insurance quote online, with a licensed-agent phone line available for questions during the process. 4Company-reported. Company-described online application; eligibility and binding conditions require confirmation on the actual application. | Relm sells cyber insurance coverage through insurance brokers; its reviewed pages do not describe a direct online quote. 9Company-reported. Cyber and Tech E&O page framing; consistent with Relm's broader broker-distribution model. |
Full Comparison
More Hiscox vs Relm Insurance Comparisons
Other Cyber Insurance Comparisons
Sources
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.
- Cyber Insurance for Small Businesses. Hiscox; Standalone cyber security/cyber liability product with online quote; data-breach, cyberattack and related-loss descriptions; licensed-agent phone number. Accessed 2026-09-16.
- IT Professional & General Liability Insurance. Hiscox; IT/technology professional audience; illustrative cyber breach-response example. Accessed 2026-09-16.
- Hiscox US Agent Appetite Guide. Hiscox; Hiscox NOW admitted GL, PL, cyber and BOP underwritten by Hiscox Insurance Company Inc. Accessed 2026-09-16.
Relm Insurance
- Relm Launches US MGA. Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
- Relm Launches AI Liability Solutions. Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
- Cyber and Technology Errors and Omissions. Relm Insurance; What is Cyber Insurance?; First-Party Vs. Third-Party Cyber Liability Insurance; Who Needs Cyber and Tech E&O Insurance? Accessed 2026-09-23.
Cyber Insurance Guide
- Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
