Hiscox vs Simply Business: Business Owner’s Policy

Add-ons are offered during the quote when you buy Hiscox's BOP directly online; Simply Business has you enter details and review available quotes, with availability varying by state and insurer.

Montgomery Risk Partners prepared this library from Spot.Insure comparison research and underlying public records.Research updated 2026-09-30

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 ↗

Simply Business

  • coverage: Simply Business describes a BOP as a package that typically combines general liability and property coverage and discusses business-interruption protection. Exact covered property, interruption triggers and exclusions depend on the issued form. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.company-reportedSource ↗
  • coverage: The company says a standard BOP does not include workers’ compensation or professional liability by default; professional liability may be added in some cases. Check the selected policy and endorsements. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.company-reportedSource ↗
  • application: The page describes entering business details and reviewing available quotes through the marketplace. The Terms say coverage and quote availability vary by state, insurer and business, and binding needs panel-member approval. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.company-reportedSource ↗Source ↗

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

Package and Scope

Hiscox publishes BOP exclusions in seven states—Alaska, Florida, Kansas, Ohio, Rhode Island, Washington, and West Virginia—and lets eligible buyers quote online. Simply Business says quote availability varies by state, insurer, and business, so compare the options actually offered at your address. [4] [8]

Buyer Fit and Access

Hiscox describes a package of general liability and commercial property with optional cyber, hired/non-owned auto, and crime coverage; Simply Business describes a typical liability-and-property BOP, with interruption and exclusions tied to the issued form. Compare the specific add-ons and form terms before binding. [2] [8]

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

  • Ask Hiscox to identify the issuing insurer and state every included coverage, sublimit, and exclusion; its reviewed BOP page does not publish standard policy limits. [4]
  • Ask Simply Business which insurer and issued form support the quoted package, including business-interruption terms and any add-ons available for your state and business. [8]

Hiscox publishes BOP exclusions in seven states—Alaska, Florida, Kansas, Ohio, Rhode Island, Washington, and West Virginia—and lets eligible buyers quote online. Hiscox describes a package of general liability and commercial property with optional cyber, hired/non-owned auto, and crime coverage; Simply Business describes a typical liability-and-property BOP, with interruption and exclusions tied to the issued form.

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 Interruption and Business Owner Policy

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

  7. 07
    Small Business

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

  8. 08
    Business Owner’s Policy Insurance

    Simply Business · Bundle lines 34–38, 218–243; add-on/exclusion discussion lines 226–243; buyer and quote sections. · accessed 2026-09-29

  9. 09
    Terms of Service

    Simply Business · Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211. · accessed 2026-09-29

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

Contact Montgomery Risk Partners