CNA vs Hiscox: Business Owner’s Policy

CNA Connect covers more than 600 small-business classes with 300-plus endorsements; Hiscox sells a BOP directly online, but not in seven states including Florida and Ohio.

Montgomery Risk Partners prepared this library from Spot.Insure comparison research and underlying public records.Research updated 2026-10-01

Provider coverage details

CNA

  • eligibility: CNA says CNA Connect serves more than 600 small-business classes. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • coverage: CNA Connect packages property and general liability exposures including buildings, income, business contents, computer equipment, receivables and money/securities. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • coverage: CNA says CNA Connect has 300+ optional endorsements and adjustable deductibles/limits. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗

Hiscox

  • role: 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. Company-stated online small-business channel.company-reportedSource ↗Source ↗
  • 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. 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.company-reportedSource ↗Source ↗
  • eligibility: 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. State-exception list as of the 2026 agent appetite guide; does not by itself establish eligibility for a specific class or business.company-reportedSource ↗
  • coverage: 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. Product-page and upgrade-page descriptions; commercial crime is also stated as not available in all states.company-reportedSource ↗Source ↗Source ↗
  • limits: 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. Public product page as previously reviewed.not-disclosedSource ↗
  • application: 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. Company-described online application; eligibility and binding conditions require confirmation on the actual application.company-reportedSource ↗

What Are the Key Differences Between CNA and Hiscox Business Owner’s Policy?

Geographic eligibility and class

Hiscox’s 2026 appetite guide listed Alaska, Florida, Kansas, Ohio, Rhode Island, Washington, and West Virginia as states where its BOP was unavailable. That guide is dated evidence rather than confirmation of present capacity. CNA Connect reports serving more than 600 small-business classes. Ask Hiscox to verify current state availability and ask CNA which class code applies to your operation before comparing terms. [5] [1]

Online buying and coverage additions

Hiscox says eligible buyers can quote and buy the BOP online and select add-ons such as cyber, hired/non-owned auto, or commercial crime where available. CNA Connect advertises more than 300 endorsements and adjustable limits and deductibles. Compare the actual add-on limits and whether each attaches to the BOP or is separately issued before choosing a package. [3] [1]

What Should You Confirm in CNA and Hiscox Business Owner’s Policy Quotes?

  • Is your state included for Hiscox BOP, and which entity is shown as issuer? [1] [5]
  • Are cyber, auto, and crime additions endorsements or separate contracts, and what limits apply? [5] [1]

In its 2026 appetite guide, Hiscox listed seven states where its BOP was unavailable; CNA Connect reports serving more than 600 small-business classes. Confirm Hiscox’s current state availability before applying.

Sources and records

  1. 01
    CNA Connect Small Businessowners Policy (BOP) | CNA Insurance

    CNA · CNA Connect; coverages, product range, services · accessed 2026-09-28

  2. 02
    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 · accessed 2026-09-16

  3. 03
    Business Owner's Policy Insurance (BOP) Coverage

    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

  4. 04
    Commercial crime insurance for small businesses

    Hiscox · Commercial crime as a BOP upgrade not sold separately; not available in all states · accessed 2026-09-16

  5. 05
    Hiscox US Agent Appetite Guide

    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

  6. 06
    Non-Owned Car Liability Insurance

    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

  7. 07
    Business Interruption and Business Owner Policy

    National Association of Insurance Commissioners · Background; General liability, Commercial property and Business interruption bullets · accessed 2026-09-16

  8. 08
    Small Business

    National Association of Insurance Commissioners · FAQ: What’s a business owners policy?; What’s general liability insurance · accessed 2026-09-16

Use this comparison as a starting point for a discussion about your business and its insurance needs.

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