Hiscox vs Insureon: which is better for a new business? (2026)
5.8/10
Hiscox
From $23/mo
Choose Hiscox if: Consultants and professionals needing professional liability coverage
Skip it if: You're in Alaska, want a mobile app, or need workers' comp from the same insurer.
Visit Hiscox7.4/10
Insureon
From $45/mo
Choose Insureon if: Owners comparing carriers who want a licensed agent's help
Skip it if: You want published starting prices, a mobile app, or weekend phone help.
Visit InsureonQuick verdict
| Higher OwnerUnlocked score | Insureon (5.8 vs 7.4) |
|---|---|
| Lower starting price | Hiscox (From $23/mo vs From $45/mo) |
| Better public ratings | Insureon (1.4 vs 4.6 / 5) |
| More Spanish help | Tie (Spanish support vs Spanish support) |
Side by side
| Best for | Consultants and professionals needing professional liability coverage | Owners comparing carriers who want a licensed agent's help |
|---|---|---|
| Skip if | You're in Alaska, want a mobile app, or need workers' comp from the same insurer. | You want published starting prices, a mobile app, or weekend phone help. |
| Free plan or trial | No | No |
| Spanish | Spanish support | Spanish support |
| Support | Phone M-F 7am-10pm ET, Sat-Sun 8am-5pm ET | Phone, text, email M-F 8am-8pm CT |
| Mobile app | No | No |
| Public rating | 1.4/5 (Trustpilot, 958) | 4.6/5 (Trustpilot, 2,407) |
| Type | Direct insurer | Online agency comparing several carriers |
| Published prices | GL from $30/mo | Not published |
| Coverages | general liability, professional/E&O, BOP, cyber, workers' comp (via The Hartford), commercial auto, property, umbrella, inland marine | general liability, professional/E&O, workers' comp, BOP, cyber, commercial property, commercial auto, umbrella, tools/equipment, bonds |
| Instant certificate | Yes, online with email and policy number | Usually within a couple of hours; up to 48h for higher-risk |
| Monthly payments | Yes, no extra fee (PL: 2 months down) | Payment plans available |
| Cancel anytime | By phone; refund terms not published | Not published |
| States | 49 states + DC; not Alaska | All 50 states (licensed in every state) |
| Insurer and rating | Hiscox Insurance Company Inc., AM Best A (Excellent) | 100+ carriers, e.g. The Hartford, Liberty Mutual, Chubb, Travelers, Hiscox; top partners AM Best A- to A++ |
| Time to quote | Fast online quote; same-day coverage | Few-minute online application; quotes right after |
| Who it's for | Consultants, IT, marketing, architects, beauty, fitness, real estate, contractors | Broad: IT, contractors, cleaning, healthcare, food, retail, real estate, consulting |
| Claims | Online form, phone (7 days a week), or mail | File with your carrier; Insureon agents help M-F 8am-8pm CT |
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Hiscox
- Professional liability from $22.50/mo and general liability from $30/mo.
- Hiscox Insurance Company Inc. is rated A (Excellent) by AM Best.
- Phone agents 7 days: weekdays 7am–10pm ET, weekends 8am–5pm ET.
- Licensed Spanish-speaking agents by phone; instant certificates of insurance online.
- Not sold in Alaska; the online quote form is English-only.
- Trustpilot score is 1.4/5 across 958 reviews.
- Workers' comp comes from The Hartford; cancelling requires a phone call.
Insureon
- One application compares quotes from 100+ carriers, including The Hartford and Chubb.
- Bilingual agents and a Spanish-language page to start your quote.
- Wide menu: commercial auto, cyber, bonds, umbrella, workers' comp, and more.
- Free certificate of insurance, usually within a couple of hours.
- No starting prices published; median general liability cost is $45/mo.
- Claims are filed with the insurance carrier, not with Insureon.
- No mobile app; agents available weekdays only, 8am–8pm CT.
Also worth a look
Questions
Is Hiscox or Insureon cheaper?
Hiscox starts lower: From $23/mo for Hiscox vs From $45/mo for Insureon. Compare the plan you'd actually use, including add-ons.
Which has better reviews?
Insureon, with 4.6/5 on average across the public ratings we checked.
Which one helps in Spanish?
Hiscox: Spanish support. Insureon: Spanish support.
Can I switch from one to the other later?
Yes, though switching mid-year takes some setup. Export your records before you cancel, and check for annual contracts or cancellation notice periods.
Facts from each company's own pages and public rating sites, checked Oct 4, 2026. How we rate.