Hiscox vs Resilience: How Do They Compare for Business Insurance?

Hiscox offers small-business professional liability and cyber; Resilience combines cyber and technology E&O with security services for eligible technology firms.

An Overview of Hiscox and Resilience

An IT consultancy that begins licensing software should compare how each proposal describes the insured services and whether the firm meets the technology E&O eligibility. Hiscox markets professional liability and cyber to IT businesses; Resilience lists software among its technology E&O categories. ² ⁸ ³³ Choose Hiscox if its small-business forms fit your IT work; choose Resilience if you qualify for technology E&O and want its security services.

What Stands Out About Hiscox and Resilience?

Hiscox at a Glance

You can buy Hiscox’s core small-business policies online, and they’re usually issued by its own insurer rather than a partner. Hiscox Inc. is the producer; Hiscox Insurance Company Inc. is the affiliated insurer named for Hiscox NOW products. ^5,⁴Company-reportedLegal 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.
Eligible buyers can quote Hiscox general liability, professional liability/E&O, cyber and a business owner’s policy online. ^16,^7,^8,^9,^10,²Company-reportedCurrent Hiscox small-business product and quote pages. Names establish marketed Hiscox NOW-style products, not limits, retroactive dates, exclusions or class eligibility.

Resilience at a Glance

Technology companies can seek E&O coverage for software, hardware and technology services. ³³Company-reportedTechnology-specific professional liability; not general professional E&O or a guarantee of offered limits.
Resilience helps prioritize financial cyber risks and track exposure across entities. ^37,³⁸Company-reportedCurrent named cybersecurity products; outcomes not independently established.

Hiscox vs Resilience Coverage Lines Compared

Coverage	Hiscox	Resilience
Business owner’s policy	Listed ¹⁰Hiscox offers business owner’s policies for small businesses.	Not listed
Cyber liability	Listed ^9,²Hiscox offers cyber insurance for small businesses.	Listed ³²Resilience markets cyber insurance on a primary or excess basis.
General liability	Listed ⁷Hiscox offers general liability insurance for small businesses.	Not listed
Professional errors and omissions (E&O)	Listed ^8,²Hiscox offers professional errors and omissions insurance for small businesses.	Not listed
Technology errors and omissions (E&O)	Not listed	Listed ³³Resilience markets technology errors and omissions insurance for US businesses with $25 million to $10 billion in revenue.
Workers’ compensation	Listed ¹¹Hiscox provides access to workers’ compensation underwritten by Hartford Fire Insurance Company and requires a general liability policy.	Not listed

A listing may be arranged through an insurer or partner. “Not listed” means we have no separate offering page for it; ask the provider whether it can quote the coverage and request the policy terms.

Hiscox and Resilience Coverage, Line by Line

Open what Hiscox and Resilience each publish for one coverage line.

Cyber Insurance

Hiscox and Resilience Reliability Scores

Each score uses the criteria for that provider’s role. Providers with more than one role may have a score for each.

Hiscox Reliability Scores

Hybrid provider

Broker

5.4/ 10

Carrier & MGA

6.7/ 10

Reliability Score details

Resilience Reliability Scores

Broker

5.0/ 10

Reliability Score details

Hiscox and Resilience 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 its sources, what it covers and how the score is calculated.

Hiscox Review Score

6.3/ 10

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.

Read Hiscox reviews

Resilience Review Score

9.0/ 10

Review Score

1 rated source

There's almost nothing public to go on. G2 shows 4.5 out of 5 for Resilience, but from a single review.

Read Resilience reviews

Key Differences Between Hiscox and Resilience

A Growing Software Revenue Stream Can Change the Submission

Hiscox’s small-business appetite includes technology professions subject to class and underwriting limits. Resilience publishes a US technology E&O revenue range starting at $25 million. Ask whether the current mix of consulting, managed services and software sales is acceptable before treating the offers as competing options. The higher threshold must not be generalized to Resilience’s separate cyber product. ²³ ³³ ³²

Request the services definition, contract-liability treatment and any cyber coverage alongside the professional form. Hiscox’s standalone cyber offer and Resilience’s cyber page permit a second coverage comparison, rather than assuming a professional-liability quote includes every breach expense. ⁹ ³²

California Evidence Must Stay with Its Product Channel

Hiscox NOW materials identify Hiscox Insurance Company Inc. for described admitted small-business products, and the reviewed public documentation contains California insurer authorization evidence. That is more specific than Resilience’s unresolved California product route, but it’s no guarantee your consultancy’s activities will be accepted. ²³ ²⁴ ³¹

Hiscox’s broker-facing C-Suite page has a California-metro restriction. Do not apply it automatically to online professional liability or cyber, or assume a direct small-business quote establishes access to that management product. Hiscox’s partner offerings also have different issuers; the broad catalogue is not a single Hiscox-issued package. ²⁶ ¹¹ ²⁹

Account Changes and Security Advice Are Different Purchases

Hiscox describes online document and certificate functions while reserving some coverage changes for phone assistance. Resilience describes financial security prioritization, with security purchases separate from insurance. Assign the software-business change to the policy-servicing team even if a separate security review is underway. A technical assessment does not itself amend insured activities. ¹⁸ ³⁷ ³¹

What Should You Confirm in Hiscox and Resilience Quotes?

Submit the current service and software revenue split, request both professional/technology and cyber forms, and identify their issuers and California channels. Ask how midterm activity changes are approved and whether security services add charges. Compare the actual forms rather than illustrative Hiscox pricing or Resilience’s maximum advertised limits. ¹⁰ ¹⁸ ³³

Hiscox vs Resilience Services Compared

What each provider says about the services you may need

Criteria	Hiscox	Resilience
Customer focus	Small professional and service firms, including IT consultants, can request Hiscox small-business coverage; startups may qualify depending on class, revenue and underwriting. ^1,^2,²³Company-reportedCompany-described audience on current small-business, IT and July 2026 Hiscox NOW appetite materials. This does not establish eligibility for any particular Bay Area company, revenue band or class.	Resilience lists technology E&O for businesses with $25 million–$10 billion revenue in software, AI, hardware, services, data centers and telecom; smaller startups should ask whether an exception is possible. ³³Company-reportedPublished US primary and excess technology E&O appetite; not a minimum established for every cyber product.
Business role	You can buy Hiscox’s core small-business policies online, and Hiscox’s own insurance company usually issues them rather than a partner. Hiscox Inc. is the producer; Hiscox Insurance Company Inc. is the affiliated insurer named for Hiscox NOW products. ^5,⁴Company-reportedLegal 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. California buyers should verify current producer authority: Hiscox Inc. says it does business as Hiscox Insurance Agency and lists license 0F09668, a company disclosure not independently checked. ^6,^23,^11,⁵Company-reportedCalifornia producer identity as published on Hiscox pages accessed 16 September 2026. Not a substitute for a live CDI Check a License search at purchase.	Resilience combines cyber and technology E&O insurance with cybersecurity risk-management services for businesses. ^30,^32,³³Company-reportedBrand-level offering; not a statement that the brand is the risk-bearing insurer. Confirm who will place the policy in California: Resilience names Ocrea Risk Services, LLC dba Resilience Cyber Insurance Solutions and NPN 19169260 as US distributor, but this disclosure is not independent license verification. ³¹Company-reportedUS distribution entity; regulator license lookup not completed.
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,^25,^4,^23,⁶VerifiedAdmitted 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. Hiscox describes several separate partner routes: workers’ compensation underwritten by Hartford Fire Insurance Company, medical malpractice through unaffiliated NOW Insurance, and short-term liability through Thimble with Markel Insurance Company. Its other-insurance page currently directs buyers to Tivly for umbrella, employment practices liability, commercial property and inland marine. The reviewed commercial-auto destination does not identify the previously named referral partner. Confirm the current route and issuing insurer on the quote; do not assume the issuer is Hiscox Insurance Company Inc. ^11,^28,^13,^14,²⁹Company-reportedProduct-specific partner routes in the retained September 29 review. The current reviewed commercial-auto destination does not establish a referral partner; confirm the quote route and issuer. 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. ^4,⁵Company-reportedCompany disclosures on About Hiscox US and website terms. This does not establish that a California online small-business quote uses Lloyd’s paper.	Ask which insurer will issue your California policy: Resilience names Homeland Insurance Company of New York or Delaware but not which one applies to a specific quote. ³¹Company-reportedCompany-reported US insurer disclosure; no binder or California policy form reviewed.
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,^7,^8,^23,⁶Company-reportedCompany-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. 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,^26,²³Company-reportedContact-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.	Confirm California insurer and admitted or surplus-lines route before applying because reviewed product pages do not establish them for cyber or Tech E&O. ^32,^33,³¹Not found in reviewed sourcesCalifornia eligibility remains unresolved; neither the San Francisco office nor a national producer number establishes state product availability.
Application process	Eligible small businesses can quote general liability, professional liability, cyber and BOP online by entering a ZIP code and answering questions; Hiscox says policy documents and certificates follow issuance by email. Confirm eligibility and effective date before relying on coverage. ^16,^7,¹Company-reportedPublic quote-page and product-FAQ statements accessed 16 September 2026. Instant-coverage marketing is not a tested bind. Partner products use separate quote sites.	Brokers can access Resilience through its broker page and businesses can submit an inquiry; no end-to-end self-serve purchase or binding-time guarantee was described. ^34,³⁶Company-reportedObserved public broker/contact route; no application submitted or portal accessed.

Sources for Hiscox vs Resilience

Hiscox Official Website

1
Hiscox 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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). Hiscox; Online ACORD/certificate generation using policy number and policy email address. Accessed 2026-09-16.
20
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.
21
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.
22
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. 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. 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. 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. 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. Accessed 2026-09-16.
27
What is Professional Liability Insurance? 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.
28
Commercial Auto Insurance for Small Businesses. Hiscox; The canonical commercial-auto URL currently resolves to a general small-business quote/coverage surface without the asserted GEICO referral. No evidence was found on the inspected page supporting that exact current partner assertion. Accessed 2026-09-29.
29
Specific Business Insurance Coverages. Hiscox; Current page names Tivly and lists umbrella, EPL, commercial property and inland marine. It does not support the rendered fact's CyberPolicy route for commercial auto/D&O/EPL/umbrella. Accessed 2026-09-29.

Resilience Official Website

30
Home Page. Resilience; Cyber risk management; Broad market appetite. Accessed 2026-09-16.
31
Disclaimer. Resilience; Opening paragraphs and USA jurisdiction disclosure. Accessed 2026-09-16.
32
Cyber Insurance. Resilience; Cyber Insurance product introduction; Why choose cyber insurance; Policy coverage; primary and excess offerings; A Broad Market Appetite: US Cyber. Accessed 2026-09-16.
33
Technology E&O. Resilience; Technology Errors & Omissions: technology risk categories; Key Benefits; primary and excess offering; A Broad Market Appetite (US revenue $25M–$10B). Accessed 2026-09-16.
34
Brokers. Resilience; Broker benefits; Use cases; Insurance & risk solutions. Accessed 2026-09-16.
35
Claims & Incident Response. Resilience; Our difference; Support from start to resolution; Claims panel. Accessed 2026-09-16.
36
Contact Us. Resilience; Contact us; emergency claims instructions. Accessed 2026-09-16.
37
Security Investment Prioritization. Resilience; Resilience Edge introduction and Key benefits. Accessed 2026-09-16.
38
Multi-Entity & Portfolio Risk. Resilience; Resilience Arc introduction. Accessed 2026-09-16.
39
Terms and Conditions. Resilience; Opening website agreement; separate written agreements. Accessed 2026-09-16.

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