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
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 7,8
What Is Cyber Insurance?
Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. 10,11
Key Differences in Cyber Insurance
Base coverage and buyer exposure
Hiscox’s online route and named admitted underwriter make the small-business purchase path concrete, though standard limits are not published. Zurich can write primary or excess cyber. Ask whether the Hiscox quote is admitted in your state and whether Zurich is proposing a primary policy or an excess layer. 4 9
Breach response and ongoing services
Hiscox describes breach-response coverage but no ongoing security monitoring. Zurich directs policyholders to incident-response resources and offers complimentary onboarding. Ask what services occur before a breach, and identify who to contact during an incident under each form. 4 9
Eligibility
Hiscox markets to small businesses broadly and specifically to IT and technology consultants. Zurich describes separate offerings for small and midsize firms and large or global organizations. Confirm revenue, industry and geographic eligibility with both. 6 9
What to Confirm in Cyber 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 reviewsZurich U.S.
Review Score
No reviews found
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsOffering Details
Hiscox vs Zurich U.S.: Cyber Insurance: documented features by provider
| Criteria | Hiscox Cyber Security Insurance | Zurich Cyber Insurance |
|---|---|---|
| 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. 4Company-reported. Company-stated standalone small-business cyber product; the BOP cyber add-on is a distinct package option described on a different page. | 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 cyber policies. 6,3Company-reported. Admitted small-business cyber 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 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. 4,5Company-reported. Company-stated audience across the standalone cyber page and the IT-insurance page. | Zurich offers a Concierge Suite for small/midsize companies and a separate cyber policy for large/global companies. 9Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial cyber insurance; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| 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. 4,5Company-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. | Zurich says it can write cyber policies on both primary and excess bases. 9Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial cyber insurance; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| Limits and Retentions | The cyber product page does not publish standard limit, retention or deductible amounts; figures shown elsewhere on the site are illustrative examples rather than quotes. 4Not publicly disclosed. Public product page as previously reviewed. | Confirm in your quote. |
| Risk Services | The reviewed cyber product page does not describe ongoing security-monitoring or risk-prevention services made available to policyholders; it describes post-incident breach-response coverage rather than a monitoring service. 4Not found in reviewed sources. Standalone cyber product page as previously reviewed. | Zurich directs policyholders facing a cyber incident to its claims-reporting and incident-response resources, and offers a complimentary onboarding session through Zurich Resilience Solutions. 9Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial cyber insurance; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| 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. 4Company-reported. Company-described online application; eligibility and binding conditions require confirmation on the actual application. | Confirm in your quote. |
Full Comparison
More Hiscox vs Zurich U.S. Comparisons
Other Cyber 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.
- Cyber Insurance for Small Businesses. Hiscox; Standalone cyber security/cyber liability product with online quote; data-breach, cyberattack and related-loss descriptions; licensed-agent phone number. Accessed 2026-09-16.
- IT Professional & General Liability Insurance. Hiscox; IT/technology professional audience; illustrative cyber breach-response example. Accessed 2026-09-16.
- Hiscox US Agent Appetite Guide. Hiscox; Hiscox NOW admitted GL, PL, cyber and BOP underwritten by Hiscox Insurance Company Inc. Accessed 2026-09-16.
Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- Cyber Security Insurance and Coverage | Zurich Insurance. Zurich U.S.; Cyber policy types, customer segments, primary/excess, incident response. Accessed 2026-09-28.
Cyber Insurance Guide
- Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
- CyberEdge specimen policy. AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.
