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

Hiscox sells cyber directly online as a standalone product for small businesses; Resilience advertises primary or excess limits up to $20 million and pairs its policy with threat monitoring and attack simulations.

Hiscox lets eligible small businesses quote a standalone cyber policy online and does not publish standard limits. Resilience advertises cyber limits up to $20 million, an eCrime sublimit, threat monitoring, and a 24/7 in-house claims team. ^1,⁵

What Are the Key Differences Between Hiscox and Resilience Cyber Insurance?

A Small-Business Online Policy or Published Limits Plus Monitoring

Hiscox sells standalone cyber online for small businesses and withholds standard limit figures. Resilience advertises cyber limits up to $20 million, primary or excess, with eCrime up to $500,000, and pairs the policy with Risk Operations Center threat monitoring and AttackIQ simulations. Choose Hiscox if you want a small-business policy you can quote online; choose Resilience if published limits and bundled monitoring matter more. ¹ ⁵

Who Issues the Policy

Hiscox names Hiscox Insurance Company Inc. for admitted Hiscox NOW cyber. Resilience's US disclosure says products are distributed by Ocrea Risk Services, LLC, doing business as Resilience Cyber Insurance Solutions, and underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware. ⁴ ⁶

Claims Staff Versus Product-Page Response Copy

Resilience describes a fully in-house claims and incident-response team available 24/7, with a dedicated manager from triage through settlement. Hiscox's cyber page describes post-incident breach-response coverage rather than ongoing monitoring or an in-house claims bench. ⁷ ¹

What Should You Confirm in Hiscox and Resilience Cyber Insurance Quotes?

Ask Resilience which Homeland entity would issue your policy. ⁶
Confirm Hiscox's issuing company for your state. ⁴
Compare Resilience's $20 million marketing maximum with Hiscox's quoted limit. ⁵ ¹
Ask whether Resilience's extra-limit incident costs apply to your form. ⁵

Hiscox vs Resilience Cyber Insurance Compared

Hiscox vs Resilience: Cyber Insurance: documented features by provider

Criteria	Hiscox Cyber Security Insurance	Resilience Cyber Insurance
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. ^1,²Company-reported. Company-stated audience across the standalone cyber page and the IT-insurance page.	Resilience markets US cyber insurance across industries including healthcare, higher education, financial institutions and services, manufacturing, construction, law firms, professional services, public entities, retail, hospitality, technology, life sciences, medical devices and pharmaceuticals. ⁵Company-reported. "Broad Market Appetite" availability table for the United States, accessed 2026-09-23; the table does not state a minimum revenue or company-size threshold for cyber (unlike the separate tech E&O appetite range).
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. ^1,²Company-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.	Resilience lists privacy wrongful-act coverage, eCrime coverage up to $500,000, coverage for incident costs that exceed the policy limit (such as legal, forensics and crisis communications), and funds-transfer-fraud recovery assistance among its cyber policy features. ⁵Company-reported. "Policy Coverage" section of the product page; actual insuring agreements, sublimits and exclusions are set by the issued policy.
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. ¹Company-reported. Company-stated standalone small-business cyber product; the BOP cyber add-on is a distinct package option described on a different page.	Resilience pairs a cyber insurance policy with security services such as threat monitoring and breach-and-attack simulations. In the US, the policy is placed by a distributor rather than underwritten by the Resilience brand itself. ⁵Company-reported. Cyber Insurance product page description of the combined offering, accessed 2026-09-23.
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. ^4,³Company-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.	Resilience's US disclosure states that cyber insurance products are distributed by Ocrea Risk Services, LLC (NPN 19169260), doing business as Resilience Cyber Insurance Solutions, and underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, both subsidiaries of Intact Insurance Group USA LLC. The disclosure does not say which of the two Homeland entities issues a given policy. ⁶Company-reported. US paragraph of Resilience's disclaimer page, accessed 2026-09-23; product- and state-specific issuer mapping is not published.