Hiscox vs 
TechInsurance: How Do They Compare for Cyber Insurance?
TechInsurance reports a median of $129 a month and lists exclusions; Hiscox sells its own cyber directly online and shows a breach-response example.
Hiscox lets eligible small businesses quote standalone cyber online and does not publish a premium. TechInsurance says its cyber policyholders pay a median of about $129 a month, often bundles the coverage with technology E&O, and says a certificate is typically available the same day you buy. 1,5
What Are the Key Differences Between Hiscox and TechInsurance Cyber Insurance?
Unpublished Price Versus a Book-Level Median
Hiscox lets eligible buyers quote standalone cyber online but does not publish standard premiums or limits. TechInsurance reports a median of $129 a month, or about $1,552 a year, from its own customer data, and says a licensed agent can help and a certificate is typically available the same day you buy. Choose Hiscox if you want a Hiscox-branded small-business policy; choose TechInsurance if a published median and a same-day certificate matter more. 1 5
Standalone Hiscox Product or a Tech E&O Bundle
Hiscox sells cyber as a standalone product, separate from its BOP, which has an optional cyber add-on. TechInsurance arranges cyber as a standalone policy and describes it as often bundled with technology errors and omissions in a combined tech E&O package. 1 5
First-Party Split and Named Exclusions
TechInsurance splits first-party costs (breach response, extortion, business interruption, data recovery) from third-party legal fees, fines and settlements, and says the policy does not cover professional negligence unrelated to a breach or physical damage to devices. Hiscox describes data breaches, cyberattacks and related losses without that exclusion list on the cyber page. 5 1
What Should You Confirm in Hiscox and TechInsurance Cyber Insurance Quotes?
Hiscox vs TechInsurance Cyber Insurance Compared
Hiscox vs TechInsurance: Cyber Insurance: documented features by provider
| Criteria | Hiscox Cyber Security Insurance | TechInsurance Cyber Liability 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. | TechInsurance targets cyber liability at small businesses handling sensitive data, naming IT and technology professionals, retail, healthcare, financial services, real estate, and media and advertising businesses as example segments. 5Company-reported. Who needs cyber liability insurance section of the product page. |
| How to Apply | Hiscox says eligible buyers can get a cyber insurance quote online, with a licensed-agent phone line available for questions during the process. 1Company-reported. Company-described online application; eligibility and binding conditions require confirmation on the actual application. | You request cyber liability quotes online through a short application describing your business; TechInsurance says a licensed agent is available to help and that a certificate of insurance is typically available the same day you buy a policy. 5Company-reported. Cyber liability product page application and certificate sections. |
| 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. | TechInsurance splits cyber liability into first-party coverage (data breach response, cyber extortion payments, business interruption, data recovery) and third-party coverage (legal fees, regulatory fines, reputation management, settlements and court-ordered damages) for claims a client brings against the business. 5Company-reported. Cyber liability product page; coverage described in general terms, not a specific policy form. TechInsurance says cyber liability insurance does not cover professional negligence claims unrelated to a breach, physical damage to electronic devices, or data loss from physical damage to hardware, and points buyers to errors and omissions or a business owner's policy for those gaps. 5Company-reported. What isn't covered by cyber liability insurance section of the product page. |
| 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. | TechInsurance arranges cyber liability insurance as a standalone policy and describes it as often bundled with technology errors and omissions coverage in a combined tech E&O package. 5Company-reported. Cyber liability product page. |
