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
THREE small business insurance: coverage, issuer and buying routes
THREE markets a packaged commercial insurance product through a direct quote route and partner agents. Berkshire Hathaway Direct Insurance Company is named as issuer on THREE’s sample policy. 7,8
Read the THREE by Berkshire Hathaway profile
Read the THREE by Berkshire Hathaway General Liability Insurance page
What Is General Liability Insurance?
General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. 10,11,12
Key Differences in General Liability Insurance
Direct Application and State Availability
Hiscox says eligible buyers can apply for general liability online in 49 states and the District of Columbia; Alaska is not available online, and buyers in certain states are directed to a specialist broker. THREE directs small businesses to an online quote and says licensed advisors can help. Confirm both availability and the final application route for your state before comparing timing. 4 7
Technology Data and Package Listing
Hiscox says its general-liability product adds an electronic-data-liability provision for IT and technology professions. THREE lists general liability within its combined Business Owners Policy, but its reviewed product description does not mention a comparable technology-data feature. Technology firms should ask whether electronic data losses are included, limited or excluded in each quoted form and whether separate technology coverage is needed. 4 9
Claims Access and Issuer
Hiscox says policyholders can report claims online around the clock and that a specialized claims professional validates reported coverage; its admitted NOW general-liability policies name Hiscox Insurance Company Inc. as underwriter. THREE's sample declarations name Berkshire Hathaway Direct Insurance Company, while its broader line page does not describe claim reporting. Compare the issuer and reporting instructions in the issued documents, not just the package label. 4 5 8
What to Confirm in General Liability Insurance Quotes
Review Scores
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
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 reviewsTHREE by Berkshire Hathaway
Review Score
2 rated sources
The inspected sources report separate measures: NerdWallet’s 4.0/5 editorial rating is excluded from the source-rating average; Trustpilot displayed 2.5/5 from five user posts and BBB displayed 4.8/5 from 265 reviews. Trustpilot and BBB include different purchase, service and agent/intermediary interactions, not a verified common policyholder cohort. BBB separately lists complaints. Any source-rating average weights eligible platforms equally and is not a pooled, representative customer-experience estimate or a claims-quality measure.[4][3][1][2]
Read THREE by Berkshire Hathaway reviewsOffering Details
Hiscox vs THREE by Berkshire Hathaway: General Liability Insurance: documented features by provider
| Criteria | Hiscox General Liability Insurance | THREE Business Owners Policy |
|---|---|---|
| Role in This Line | Hiscox Inc., a Delaware-based licensed insurance intermediary, sells general liability directly online to small businesses as part of its Hiscox NOW admitted small-business catalogue. 3,4Company-reported. Company-stated online small-business channel; broker-only sections of the Hiscox site are a separate, licensed-professional path not covered here. | THREE presents General Liability as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. 9Company-reported. Company-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant. |
| Issuing Insurer | Hiscox's appetite guide and About Hiscox US page name Hiscox Insurance Company Inc. (NAIC 10200), a Chicago-based insurer, as the underwriter of admitted Hiscox NOW general liability policies. 5,3Company-reported. Admitted small-business general liability as described in company materials; the exact contracting entity for a particular state or channel should be confirmed on the quote. | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. 8Company-reported. This is the issuer named on the public sample only; the sample does not establish the issuing entity for every state-specific quote or buyer's issued policy. |
| Who It’s For | Hiscox says it is currently licensed to sell general liability online in 49 states and the District of Columbia, with coverage unavailable in Alaska; it directs buyers in states where it does not sell online to a specialist broker instead. 4Company-reported. Company-stated jurisdiction for the online small-business catalogue; specific class or industry eligibility still depends on underwriting. | The reviewed product page does not state separate eligibility rules for General Liability; the general quote and advisor route is not proof that a particular business qualifies for it. 9,7Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms. |
| Coverage Features | Hiscox's general-liability product page adds an electronic-data-liability provision for IT and technology professions on top of its standard general-liability coverage. 4Company-reported. Product-page description; specific wording, limits and exclusions are set by the issued policy and declarations. | THREE's Business Owners Policy page lists General Liability among its marketed coverage categories in the combined policy. This describes the product page, not whether the category appears in a particular quote or responds to a loss. 9,8Company-reported. Official THREE package marketing for General Liability. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy. |
| Limits and Retentions | The general-liability page does not publish a standard limit amount; example California consultant pricing shown on the page is explicitly labeled illustrative rather than a quote. 4Not publicly disclosed. Public product page as previously reviewed; actual limits, retentions and pricing are quote-specific. | The reviewed public product page does not state a separate limit or deductible for General Liability; THREE says the quote-specific insurance summary lists limits and deductibles. 9,8Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible. |
| How to Apply | Hiscox says eligible buyers can apply for general liability online, with the policy issued by email and a certificate of insurance included in the welcome documents once the application is complete; buyers can also pay annually or monthly with no additional fees. 4Company-reported. Company-described online application and billing options; eligibility and binding conditions require confirmation on the actual application. | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. 7Company-reported. This is the route for the overall THREE product. It does not show whether General Liability will be offered for a particular business or whether a customer can bind that line without an issued policy. |
| Claims Support | Hiscox says general-liability policyholders can report a claim online 24/7, and describes assigning a specialized claims professional to validate coverage on reported claims. 4,6Company-reported. Company-described claims process; does not establish claim outcomes or turnaround time. | Confirm in your quote. |
Full Comparison
More Hiscox vs THREE by Berkshire Hathaway Comparisons
Other General Liability Insurance Comparisons
Sources
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.
- General Liability Insurance. Hiscox; Online quote; 49-state and D.C. availability with Alaska excluded; broker-referral if not sold online; payment annually or monthly with no additional fees; online 24/7 claim reporting; policy issued via email and certificate in welcome documents; electronic data liability for IT professions; coverage subject to underwriting. Accessed 2026-09-16.
- Hiscox US Agent Appetite Guide. Hiscox; Hiscox NOW admitted GL, PL, cyber and BOP underwritten by Hiscox Insurance Company Inc.; footer underwriting disclosure. Accessed 2026-09-16.
- Start a Business Insurance Claim Online, by Phone or Mail. Hiscox; Online claim filing; specialized claims professional assignment; coverage validation. Accessed 2026-09-16.
THREE by Berkshire Hathaway
- Jargon-free small business insurance - THREE by Berkshire Hathaway. Berkshire Hathaway Direct Insurance Company, dba THREE; Lines 23, 39, 70–81 and 406–410: business location quote entry, single-policy description, issuer, business focus, online quote and licensed Small Business Advisor route. Quote entry inspected without submitting a form. Accessed 2026-09-30.
- The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway. Berkshire Hathaway Direct Insurance Company, dba THREE; State-selectable sample policy: Summary (Declarations) identifies Berkshire Hathaway Direct Insurance Company as issuer and says the insurance summary lists limits and deductibles; sample policy text and state selection do not establish terms for a particular quote or issued policy. Accessed 2026-09-30.
- Business Owners Policy - THREE by Berkshire Hathaway. Berkshire Hathaway Direct Insurance Company, dba THREE; Product page: “No need for multiple policies” and one comprehensive policy; Business Liability, Property and Business Auto categories and the listed line names. Product page footer identifies Berkshire Hathaway Direct Insurance Company, dba THREE. Accessed 2026-09-30.
General Liability Insurance Guide
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
- Commercial General Liability Coverage Form. ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16.
