--- title: "Hiscox Business Owner’s Policy" description: "What Hiscox Business Owner’s Policy covers, who it’s for, and how to apply, cited to Hiscox’s own published sources." canonical: "https://spot.insure/insurance-providers/hiscox/business-owners-policy" page-type: "offering-page" updated-at: "2026-09-23" --- 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, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot 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/insurance-providers/hiscox/business-owners-policy) # Hiscox Business Owner’s Policy 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](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.) ## 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 business owner's policies. [4](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [5](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") (Evidence: Company-reported; scope: Admitted 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.) ## 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.) ## 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.) ## Limits and Retentions - **Not publicly disclosed.** 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. [1](https://www.hiscox.com/small-business-insurance/business-owners-policy "Business Owner's Policy Insurance (BOP) Coverage") (Scope: Public product page as previously reviewed.) ## 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.) ## Hiscox Business Owner’s Policy Compared - [Hiscox vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-hiscox/business-owners-policy) - [Hiscox vs Amelia Risk](https://spot.insure/compare/amelia-risk-vs-hiscox/business-owners-policy) - [Hiscox vs Chubb](https://spot.insure/compare/chubb-vs-hiscox/business-owners-policy) - [Hiscox vs Corgi](https://spot.insure/compare/corgi-vs-hiscox/business-owners-policy) - [Hiscox vs Coterie Insurance](https://spot.insure/compare/coterie-vs-hiscox/business-owners-policy) - [Hiscox vs Coverdash](https://spot.insure/compare/coverdash-vs-hiscox/business-owners-policy) ## Other Hiscox Coverage Lines - [Hiscox Cyber Insurance](https://spot.insure/insurance-providers/hiscox/cyber) - [Hiscox General Liability Insurance](https://spot.insure/insurance-providers/hiscox/general-liability) - [Hiscox Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/hiscox/professional-errors-omissions) - [Hiscox Workers’ Compensation Insurance](https://spot.insure/insurance-providers/hiscox/workers-compensation) ## Related - [Hiscox Profile](https://spot.insure/insurance-providers/hiscox) - [Hiscox Reliability](https://spot.insure/insurance-providers/hiscox/reliability) - [Hiscox Alternatives](https://spot.insure/insurance-providers/hiscox/alternatives) - [Coverage Guide: Business owner’s policy](https://spot.insure/coverage/business-owners-policy) ## Sources 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. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-providers/hiscox/business-owners-policy.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)