--- title: "Hiscox vs Resilience: Cyber Insurance" description: "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." canonical: "https://spot.insure/compare/hiscox-vs-resilience/cyber" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "hiscox-vs-resilience" provider-a: "hiscox" provider-b: "resilience" coverage-line: "cyber" --- 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-resilience/cyber) ## Agent Guide **What this page is:** Focused comparison of Hiscox and Resilience for Cyber Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Cyber Insurance questions about Hiscox versus Resilience. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Hiscox vs Resilience for Cyber Insurance: how do they differ? - Which is better for Cyber Insurance, Hiscox or Resilience? - What does Hiscox or Resilience publish about Cyber Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Cyber Insurance. Providers: Hiscox and Resilience. - 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 Resilience](https://spot.insure/compare/hiscox-vs-resilience) — all coverage lines for this pair - [Cyber Insurance guide](https://spot.insure/coverage/cyber) — how this coverage works - [Hiscox profile](https://spot.insure/insurance-providers/hiscox) — provider profile - [Resilience profile](https://spot.insure/insurance-providers/resilience) — provider profile # 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 sells small-business cyber online without published limits; Resilience advertises up to $20 million and pairs the policy with monitoring. ## Hiscox vs Resilience Cyber Insurance Summary 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](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [5](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") ## 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](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [5](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") ### 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](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [6](https://cyberresilience.com/disclaimer/ "Disclaimer") ### 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](https://cyberresilience.com/products/claims-incident-response "Claims & Incident Response") [1](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") ## What Should You Confirm in Hiscox and Resilience Cyber Insurance Quotes? - Ask Resilience which Homeland entity would issue your policy. [6](https://cyberresilience.com/disclaimer/ "Disclaimer") - Confirm Hiscox's issuing company for your state. [4](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") - Compare Resilience's $20 million marketing maximum with Hiscox's quoted limit. [5](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [1](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") - Ask whether Resilience's extra-limit incident costs apply to your form. [5](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") ## Hiscox vs Resilience Cyber Insurance Compared | 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](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [2](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") (Evidence: Company-reported; scope: 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. [5](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: "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](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") [2](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance "IT Professional & General Liability Insurance") (Evidence: Company-reported; scope: 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. [5](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: "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. [1](https://www.hiscox.com/small-business-insurance/cyber-security-insurance "Cyber Insurance for Small Businesses") (Evidence: Company-reported; scope: 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. [5](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: 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](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [3](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") (Evidence: Company-reported; scope: 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. [6](https://cyberresilience.com/disclaimer/ "Disclaimer") (Evidence: Company-reported; scope: US paragraph of Resilience's disclaimer page, accessed 2026-09-23; product- and state-specific issuer mapping is not published..) | ## About Hiscox and Resilience and Cyber Insurance - [Hiscox company profile](https://spot.insure/insurance-providers/hiscox) · [Hiscox customer reviews](https://spot.insure/insurance-providers/hiscox/reviews) - [Resilience company profile](https://spot.insure/insurance-providers/resilience) · [Resilience customer reviews](https://spot.insure/insurance-providers/resilience/reviews) - [What Is Cyber Insurance?](https://spot.insure/coverage/cyber) ## Related Pages for Hiscox vs Resilience Cyber Insurance - [Hiscox vs Resilience](https://spot.insure/compare/hiscox-vs-resilience): all coverage lines, business roles, service and claims. - [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks. - [Hiscox Cyber Insurance](https://spot.insure/insurance-providers/hiscox/cyber) - [Resilience Cyber Insurance](https://spot.insure/insurance-providers/resilience/cyber) ## Sources for Hiscox vs Resilience Cyber Insurance ### Sources About Hiscox 1. [Cyber Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/cyber-security-insurance). 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. 2. [IT Professional & General Liability Insurance](https://www.hiscox.com/small-business-insurance/professional-business-insurance/it-insurance). Hiscox; IT/technology professional audience; illustrative cyber breach-response example. Accessed 2026-09-16. 3. [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. 4. [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.. Accessed 2026-09-16. ### Sources About Resilience 5. [Cyber Insurance](https://cyberresilience.com/products/cyber-insurance). Resilience; Policy Coverage section: privacy wrongful act coverage, up to $500k eCrime coverage, coverage costs beyond policy limits, recovery for funds transfer fraud; "The Resilience Advantage" section; "Broad Market Appetite" availability table listing Cyber Insurance and Tech E&O in the United States. Accessed 2026-09-23. 6. [Disclaimer](https://cyberresilience.com/disclaimer/). Resilience; USA paragraph: "Insurance products are distributed by Ocrea Risk Services, LLC (NPN 19169260) dba Resilience Cyber Insurance Solutions. Resilience products are underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, each subsidiaries of Intact Insurance Group USA LLC". Accessed 2026-09-23. 7. [Claims & Incident Response](https://cyberresilience.com/products/claims-incident-response). Resilience; "Our Claims Advantage" and "Our Difference" sections: 24/7 in-house Claims & Incident Response team, fully in-house claims staff, dedicated claims manager from triage through settlement, world-class outside panel. 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-resilience/cyber.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)