Hiscox vs Resilience

Hiscox markets U.S. small-business insurance to professional and service firms, including IT and technology consultants, and says it customizes policies for hundreds of professions. The reviewed pages describe startups as within Hiscox NOW appetite, subject to class, revenue and underwriting limits. ^1,2,23

Resilience lists US technology E&O appetite of $25 million–$10 billion in revenue, including software, AI, hardware, technology services, data centers and telecommunications. Smaller startups should ask whether an exception is available. ³¹

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. ^5,4

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. ^6,23,11,5

Resilience combines cyber insurance and technology errors and omissions insurance with cybersecurity risk-management services. ^28,30,31

Resilience identifies Ocrea Risk Services, LLC, doing business as Resilience Cyber Insurance Solutions, as its US insurance distributor and lists NPN 19169260. This company disclosure is not independent verification of a California license. ²⁹

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. ^24,25,4,23,6

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. ^{11,12,13,14,15}

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. ^4,5

Resilience’s US disclosure names Homeland Insurance Company of New York or Homeland Insurance Company of Delaware as underwriting insurers. It does not specify which would issue a particular California quote. ²⁹

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. ^1,7,8,23,6

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. ^22,26,23

Resilience markets cyber and technology E&O in the United States. The reviewed product and legal pages do not establish the California-specific placement route, insurer selection or admitted versus surplus-lines status for either product. ^30,31,29

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. ^16,7,1

Resilience presents insurance to brokers through a dedicated broker page and offers a public contact route for product inquiries. The reviewed pages do not document an end-to-end self-service purchase or a guaranteed quote or binding time. ^32,34