--- title: "Hiscox vs TechInsurance: Business Owner’s Policy" description: "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." canonical: "https://spot.insure/compare/hiscox-vs-techinsurance/business-owners-policy" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "hiscox-vs-techinsurance" provider-a: "hiscox" provider-b: "techinsurance" coverage-line: "business-owners-policy" --- 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-techinsurance/business-owners-policy) ## Agent Guide **What this page is:** Focused comparison of Hiscox and TechInsurance for Business Owner’s Policy: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Business Owner’s Policy questions about Hiscox versus TechInsurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Hiscox vs TechInsurance for Business Owner’s Policy: how do they differ? - Which is better for Business Owner’s Policy, Hiscox or TechInsurance? - What does Hiscox or TechInsurance publish about Business Owner’s Policy (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Business Owner’s Policy. Providers: Hiscox and TechInsurance. - 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 TechInsurance](https://spot.insure/compare/hiscox-vs-techinsurance) — all coverage lines for this pair - [Business Owner’s Policy guide](https://spot.insure/coverage/business-owners-policy) — how this coverage works - [Hiscox profile](https://spot.insure/insurance-providers/hiscox) — provider profile - [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile # 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 with cyber as an add-on in all but seven states, while TechInsurance brokers a BOP for very small firms at a reported $83 monthly median that excludes cyberattacks. ## Hiscox vs TechInsurance Business Owner’s Policy Summary 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](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [4](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [6](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") ## 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](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [6](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [5](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") ### 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](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [4](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [6](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") ### 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](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") [1](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [5](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") ## 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](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") - Check your headcount and revenue against TechInsurance’s typical limits. [6](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") - Ask TechInsurance which insurer issues the policy. [6](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") - If you quote TechInsurance, price a separate cyber policy and the natural-disaster endorsement. [6](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") - Ask Hiscox what the cyber add-on costs and what limit it carries. [1](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") ## Hiscox vs TechInsurance Business Owner’s Policy Compared | 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. [5](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") (Evidence: Company-reported; scope: 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. [6](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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. [1](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") (Evidence: Company-reported; scope: 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. [6](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [2](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability "Non-Owned Car Liability Insurance") [3](https://www.hiscox.com/small-business-insurance/business-owner-insurance/commercial-crime "Commercial crime insurance for small businesses") (Evidence: Company-reported; scope: 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. [6](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") [4](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") (Evidence: Company-reported; scope: 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. [6](https://www.techinsurance.com/business-owners-policy "Business Owner's Policy (BOP) Insurance – Compare Quotes") (Evidence: Company-reported; scope: Business owner's policy product page..) | ## About Hiscox and TechInsurance and Business Owner’s Policy - [Hiscox company profile](https://spot.insure/insurance-providers/hiscox) · [Hiscox customer reviews](https://spot.insure/insurance-providers/hiscox/reviews) - [TechInsurance company profile](https://spot.insure/insurance-providers/techinsurance) · [TechInsurance customer reviews](https://spot.insure/insurance-providers/techinsurance/reviews) - [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy) ## Related Pages for Hiscox vs TechInsurance Business Owner’s Policy - [Hiscox vs TechInsurance](https://spot.insure/compare/hiscox-vs-techinsurance): all coverage lines, business roles, service and claims. - [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy): A business owners policy combines property, liability and lost-income protection for eligible small businesses, while auto, workers’ compensation and professional liability may need separate coverage. - [Hiscox Business Owner’s Policy](https://spot.insure/insurance-providers/hiscox/business-owners-policy) - [TechInsurance Business Owner’s Policy](https://spot.insure/insurance-providers/techinsurance/business-owners-policy) ## Sources for Hiscox vs TechInsurance Business Owner’s Policy ### Sources About Hiscox 1. [Business Owner's Policy Insurance (BOP) Coverage](https://www.hiscox.com/small-business-insurance/business-owners-policy). 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. 2. [Non-Owned Car Liability Insurance](https://www.hiscox.com/small-business-insurance/business-owner-insurance/non-owned-auto-liability). 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. 3. [Commercial crime insurance for small businesses](https://www.hiscox.com/small-business-insurance/business-owner-insurance/commercial-crime). Hiscox; Commercial crime as a BOP upgrade not sold separately; not available in all states. Accessed 2026-09-16. 4. [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. 5. [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.; state exceptions including BOP unavailable in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia. Accessed 2026-09-16. ### Sources About TechInsurance 6. [Business Owner's Policy (BOP) Insurance – Compare Quotes](https://www.techinsurance.com/business-owners-policy). TechInsurance; Why do you need a business owner's policy?; Eligibility requirements for a BOP; What is covered under a business owner's policy?; How much does a business owner's policy cost?; What is the difference between general liability insurance and a BOP?. 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). 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