Hiscox vs Hub International: Business Owner’s Policy

Hiscox sells a BOP directly online and lists add-ons like cyber and crime, but not in seven states; HUB International brokers BOPs and has you contact a HUB broker, with no online quote described.

Montgomery Risk Partners prepared this library from Spot.Insure comparison research and underlying public records.Research updated 2026-09-25

Provider coverage details

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 ↗

HUB International

  • role: HUB brokers business owners policies rather than underwriting them, placing a combined property-and-liability package with an insurer on the client's behalf. BOP product page as read 2026-09-23; the page does not name an issuing insurer.company-reportedSource ↗
  • coverage: HUB describes its BOP as combining building and business-property insurance, which repairs or replaces damaged buildings, equipment, stock, furniture or fixtures, with business liability insurance for injury or property-damage claims caused by the business or its employees. Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim.company-reportedSource ↗
  • services: HUB says an advisor works with the client to fine-tune the BOP with options that fit the client's line of business, and positions the policy as a way to eliminate coverage gaps between separate property and liability policies. Product-page marketing copy; no specific risk-control service beyond broker consultation is described.company-reportedSource ↗
  • insurer: The BOP product page does not name an issuing insurer; HUB places BOP business with insurers that vary by client and placement. Checked the BOP product page on 2026-09-23; no carrier is disclosed there.not-foundSource ↗
  • limits: Published coverage limits, deductibles or premium ranges for HUB-placed BOPs were not found on the product page. Checked the BOP product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page.not-disclosedSource ↗
  • application: HUB directs prospects to contact a HUB broker to get started on a BOP; no online quote or self-serve bind flow is described on the page. Product-page call to action as read 2026-09-23.company-reportedSource ↗

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

Your State May Decide It

Hiscox’s 2026 appetite guide says its BOP is not available in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington or West Virginia. If you operate there, HUB is the option of these two; its page lists no state exclusions. Elsewhere, Hiscox lets you quote and buy online, while HUB sends you to a broker with no self-serve purchase. Choose Hiscox if you are outside those seven states and want to buy online; choose HUB if you are in one of them or want a broker to design the package. [4] [2] [6]

Add-Ons You Can Pick Versus Advisor Tuning

Hiscox offers cyber, hired and non-owned auto and commercial crime as upgrades tied to the BOP’s occurrence limit, which you choose yourself during the online purchase. HUB says an advisor fine-tunes options for your line of business so separate property and liability policies don’t leave gaps, but names no specific add-ons. [2] [6]

Who Pays Claims

Hiscox Insurance Company Inc. writes the Hiscox BOP, so the company you buy from is the company that pays. HUB is a broker and places your BOP with an insurer it does not name, so you only learn who pays claims from the quote. [4] [1] [6]

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

  • Check your state against Hiscox’s exclusion list before you start. [4]
  • Ask HUB which insurer issues the policy. [6]
  • Check whether hired and non-owned auto or commercial crime is on your Hiscox policy. [5] [3]
  • Get limits in writing from both; neither page publishes standard BOP limits. [2] [6]

Hiscox lets you quote and buy a BOP online and add cyber, hired and non-owned auto or crime cover at checkout, but not in seven states including Florida and Ohio. HUB sells its BOP only through a broker, who tailors it to your line of business.

Sources and records

  1. 01
    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

  2. 02
    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

  3. 03
    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

  4. 04
    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

  5. 05
    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

  6. 06
    Business Owners Policy (BOP) Company Coverage

    HUB International · BOP definition: combination of business property and liability protection for small and mid-size businesses; building and business property insurance section; business liability insurance section; related products; Connect With a Broker · accessed 2026-09-23

  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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