What Are the Key Differences Between biBerk and Hiscox Business Owner’s Policy?
Named Admitted Insurer and State Availability
Hiscox combines general liability and commercial property and names Hiscox Insurance Company Inc. as the admitted Hiscox NOW BOP underwriter. biBerk’s BOP record describes the same broad package core and property categories, but says the underlying issuing company is policy- and state-dependent unless specified. If carrier identity matters to your purchase, ask biBerk to identify the issuer on the quote and compare the issued policy forms. [2] [1]
BOP Upgrades by State
Hiscox’s 2026 appetite guide lists seven states where its BOP is unavailable, and it describes online quoting and purchase for eligible buyers. biBerk offers online or phone purchase but its reviewed BOP record does not provide a matching state list. Check availability at your business location before comparing price or add-ons. [5] [1]
What Should You Confirm in biBerk and Hiscox Business Owner’s Policy Quotes?
-
Ask Hiscox to confirm BOP availability at your location and identify the underwriter; ask biBerk which issuing company and state-specific form apply. [5] [1]
-
Ask Hiscox which cyber, HNOA, and crime upgrades can attach to its BOP; ask biBerk which optional endorsements are available for your class. [3] [1]