Hiscox Business Owner’s Policy

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-reportedCompany-stated online small-business channel.

Hiscox's appetite guide and About Hiscox US page name Hiscox Insurance Company Inc. (NAIC 10200) as the underwriter of admitted Hiscox NOW business owner's policies. ^4,5Company-reportedAdmitted small-business BOP coverage as described in company materials; the exact contracting entity for a particular state or channel should be confirmed on the quote.

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-reportedState-exception list as of the 2026 agent appetite guide; does not by itself establish eligibility for a specific class or business.

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-reportedProduct-page and upgrade-page descriptions; commercial crime is also stated as not available in all states.

The BOP page does not publish standard coverage limits; the illustrative California IT/technology consultant pricing table on the page is explicitly labeled illustrative rather than a quote. ¹Not publicly disclosedPublic product page as previously reviewed.

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-reportedCompany-described online application; eligibility and binding conditions require confirmation on the actual application.