Hiscox
From $22.50/month per Hiscox marketing pages. Long-established UK-origin insurer with US small-business operations. Strong tech and consultancy coverage.
Vendor page returned HTTP 403 today. $22.50/mo figure cited from indexed Hiscox marketing snippets, not verified from the live page.
What this insurer actually costs.
Industry-reported $22.50/mo minimum. Annual range from $270. Coverage limits $250K-$2M. Hiscox's vendor page returned HTTP 403 on 2026-06-03 fetch — these figures are from indexed marketing snippets, not the live page. Verify directly with Hiscox before relying on the $22.50 figure.
How this insurer makes its money.
Long-established UK-origin insurer with US small-business operations. Hiscox issues its own policies (not broker-aggregator) and is a meaningful carrier in the Insureon panel. The structural play is brand longevity (Hiscox has been writing E&O since the 1990s) combined with strong tech and consultancy coverage in the US small-business segment.
Best for. Worst for.
Best for: small businesses in consulting, tech, professional services where the buyer values established-carrier brand. Tech consultancies and IT contractors where Hiscox's specialty experience matters. Worst for: ultra-low-risk professions (NEXT cheaper) and high-risk professions outside Hiscox's appetite.
What to verify before signing.
Confirm $22.50/mo figure with Hiscox directly — it's industry-reported, not live-page-verified. Check the specific Hiscox entity issuing your policy (US vs UK Lloyd's syndicate — the policy terms differ materially). Verify claims-made vs occurrence form. Ask about prior acts coverage and retro date.