Hiscox vs 
Simply Business: How Do They Compare for Business Owner’s Policy?
Hiscox publishes BOP exclusions in seven states—Alaska, Florida, Kansas, Ohio, Rhode Island, Washington, and West Virginia—and lets eligible buyers quote online. Hiscox describes a package of general liability and commercial property with optional cyber, hired/non-owned auto, and crime coverage; Simply Business describes a typical liability-and-property BOP, with interruption and exclusions tied to the issued form. 7,10
What Is Hiscox?
Hiscox suits eligible small businesses that want online GL, professional liability, cyber or BOP quotes; businesses needing other specialty products should compare brokers. Core Hiscox NOW policies are usually issued by its own insurer, while some products use partners. 1,2,3
Simply Business: Online Small-Business Insurance Marketplace
Simply Business describes a digital marketplace and licensed-producer service for small businesses. The policy and selected insurer determine coverage, fees, servicing and claims responsibilities. 8,9
What Is a Business Owner’s Policy?
A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. 11,12
What Are the Key Differences Between Hiscox and Simply Business Business Owner’s Policy?
Package and Scope
Hiscox publishes BOP exclusions in seven states—Alaska, Florida, Kansas, Ohio, Rhode Island, Washington, and West Virginia—and lets eligible buyers quote online. Simply Business says quote availability varies by state, insurer, and business, so compare the options actually offered at your address. 7 10
Buyer Fit and Access
Hiscox describes a package of general liability and commercial property with optional cyber, hired/non-owned auto, and crime coverage; Simply Business describes a typical liability-and-property BOP, with interruption and exclusions tied to the issued form. Compare the specific add-ons and form terms before binding. 4 10
What Should You Confirm in Hiscox and Simply Business Business Owner’s Policy Quotes?
- Ask Hiscox to identify the issuing insurer and state every included coverage, sublimit, and exclusion; its reviewed BOP page does not publish standard policy limits. 7
- Ask Simply Business which insurer and issued form support the quoted package, including business-interruption terms and any add-ons available for your state and business. 10
Hiscox and Simply Business 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 the sources, scope, and calculation.
Hiscox Review Score
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.[1][4][5][6][7]
Read Hiscox reviewsSimply Business Review Score
Review Score
4 rated sources
Customers disagree about Simply Business. Trustpilot shows 4.3 out of 5 from 1,901 reviews, but BBB customers give it 1.95 from 20 reviews and ConsumerAffairs shows 1.0.[6][10][7]
Read Simply Business reviewsHiscox vs Simply Business Business Owner’s Policy Compared
Hiscox vs Simply Business: Business Owner’s Policy: documented features by provider
| Criteria | Hiscox Business Owner's Policy | Business owner’s policy (BOP) through Simply Business |
|---|---|---|
| Role in This Line | Hiscox Inc. sells a business owner's policy directly online to small businesses, combining general liability and commercial property into one package as part of its Hiscox NOW admitted catalogue. 4,3Company-reported. Company-stated online small-business channel. | Confirm in your quote. |
| 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 business owner's policies. 7,3Company-reported. Admitted small-business BOP coverage as described in company materials; the exact contracting entity for a particular state or channel should be confirmed on the quote. | Confirm in your quote. |
| Who It’s For | Hiscox's 2026 appetite guide says its business owner's policy is unavailable in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia, a narrower footprint than the 49-state-plus-D.C. availability Hiscox states for its overall online small-business catalogue. 7Company-reported. State-exception list as of the 2026 agent appetite guide; does not by itself establish eligibility for a specific class or business. | Confirm in your quote. |
| Coverage Features | Hiscox describes optional add-ons to its business owner's policy including cyber coverage, hired/non-owned commercial auto, and commercial crime; hired/non-owned auto and commercial crime are described as upgrades tied to the BOP's own occurrence limit and are not sold as standalone Hiscox policies. 4,5,6Company-reported. Product-page and upgrade-page descriptions; commercial crime is also stated as not available in all states. | Simply Business describes a BOP as a package that typically combines general liability and property coverage and discusses business-interruption protection. Exact covered property, interruption triggers and exclusions depend on the issued form. 10Company-reported. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. The company says a standard BOP does not include workers’ compensation or professional liability by default; professional liability may be added in some cases. Check the selected policy and endorsements. 10Company-reported. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Limits and Retentions | The BOP page does not publish standard coverage limits; the illustrative California IT/technology consultant pricing table on the page is explicitly labeled illustrative rather than a quote. 4Not publicly disclosed. Public product page as previously reviewed. | Confirm in your quote. |
| How to Apply | Hiscox says eligible buyers can quote and buy a business owner's policy online, and can select add-on coverages such as cyber or commercial crime during that process where available. 4Company-reported. Company-described online application; eligibility and binding conditions require confirmation on the actual application. | The page describes entering business details and reviewing available quotes through the marketplace. The Terms say coverage and quote availability vary by state, insurer and business, and binding needs panel-member approval. 10,9Company-reported. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
Related Pages for Hiscox vs Simply Business Business Owner’s Policy
Business Owner’s Policy Pages for Hiscox and Simply Business
Other Coverage Lines Compared for Hiscox vs Simply Business
Other Business Owner’s Policy Provider Comparisons
Sources for Hiscox vs Simply Business Business Owner’s Policy
Sources About 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.
- 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; worldwide-coverage qualifications. Accessed 2026-09-16.
- 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.
- 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.
- Hiscox US Agent Appetite Guide. Hiscox; Hiscox NOW admitted GL, PL, cyber and BOP underwritten by Hiscox Insurance Company Inc.; state exceptions including BOP unavailable in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia. Accessed 2026-09-16.
Sources About Simply Business
- Our Small Business Insurance Story. Simply Business; Opening description and audience; digital marketplace, business types and U.S. service. Accessed 2026-09-29.
- Terms of Service. Simply Business; Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211. Accessed 2026-09-29.
- Business Owner’s Policy Insurance. Simply Business; Bundle lines 34–38, 218–243; add-on/exclusion discussion lines 226–243; buyer and quote sections. Accessed 2026-09-29.
Sources for the Business Owner’s Policy Guide
- Small Business. National Association of Insurance Commissioners; FAQ: What’s a business owners policy?; What’s general liability insurance. Accessed 2026-09-16.
- Business Interruption and Business Owner Policy. National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.
