Hiscox vs TechInsurance: How Do They Compare for Business Owner’s Policy?

Hiscox sells a BOP directly online, excluding seven states; TechInsurance reports a median BOP cost of $83 a month and runs quotes through a single online application.

Hiscox sells its own BOP online, lets you add cyber, hired auto and crime, but isn’t available in seven states. TechInsurance brokers a BOP for firms typically under 100 employees and $1 million in revenue, at a reported median of $83 a month. ^5,^4,⁶

What Are the Key Differences Between Hiscox and TechInsurance Business Owner’s Policy?

Cyber Coverage Is the Deciding Gap

If a phishing attack locks your laptops, a TechInsurance BOP won’t help: it excludes cyberattacks, along with employee injuries, business vehicles and natural-disaster damage unless you add an endorsement. Hiscox lets you add cyber to its BOP, plus hired and non-owned auto and commercial crime, which share the policy’s per-occurrence limit. Choose Hiscox if you want cyber on the same policy and operate outside its seven excluded states; choose TechInsurance if you’re under 100 employees and $1 million in revenue and want a broker to shop for you. ¹ ⁶ ⁵

Who Stands Behind the Policy

Hiscox Insurance Company Inc. writes the Hiscox NOW BOP, so the seller and the claims payer are the same company. TechInsurance bundles general liability and property at a discount but doesn’t name the insurer, so you’ll find out only from the quote. ⁵ ⁴ ⁶

Price and Size Signals

TechInsurance reports its BOP customers pay a median $83 a month, about $990 a year, and says the best fit is a low-risk business in a small commercial space. Hiscox publishes neither a median price nor headcount or revenue cutoffs, so its state list is the only screen you can check in advance. ⁶ ¹ ⁵

What Should You Confirm in Hiscox and TechInsurance Business Owner’s Policy Quotes?

Check that your state isn’t one of Hiscox’s seven exclusions. ⁵
Check your headcount and revenue against TechInsurance’s typical limits. ⁶
Ask TechInsurance which insurer issues the policy. ⁶
If you quote TechInsurance, price a separate cyber policy and the natural-disaster endorsement. ⁶
Ask Hiscox what the cyber add-on costs and what limit it carries. ¹

Hiscox vs TechInsurance Business Owner’s Policy Compared

Hiscox vs TechInsurance: Business Owner’s Policy: documented features by provider

Criteria	Hiscox Business Owner's Policy	TechInsurance Business Owner's Policy (BOP)
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. ⁵Company-reported. State-exception list as of the 2026 agent appetite guide; does not by itself establish eligibility for a specific class or business.	TechInsurance says small businesses typically qualify for BOP savings if they have fewer than 100 employees, operate in a low-risk industry, earn less than $1 million in yearly revenue, and use a small commercial space. ⁶Company-reported. Business owner's policy product page, Eligibility requirements for a BOP section.
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. ¹Company-reported. Company-described online application; eligibility and binding conditions require confirmation on the actual application.	You request BOP quotes online through a single application; TechInsurance says licensed agents can help tailor the policy with endorsements, and a certificate of insurance is typically available the same day you buy coverage. ⁶Company-reported. Business owner's policy product page.
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. ^1,^2,³Company-reported. Product-page and upgrade-page descriptions; commercial crime is also stated as not available in all states.	TechInsurance says a BOP covers property damage and business personal property, common third-party accidents (general liability), copyright infringement and defamation claims, theft and vandalism, and product liability claims, but excludes employee injuries, cyberattacks, business vehicles and (without an endorsement) natural-disaster property damage. ⁶Company-reported. Business owner's policy product page; general policy description, not a specific policy form.
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. ^1,⁴Company-reported. Company-stated online small-business channel.	TechInsurance arranges a business owner's policy (BOP) as a bundle of general liability and commercial property insurance sold at a discount versus buying the two policies separately, according to the company. ⁶Company-reported. Business owner's policy product page.