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Hiscox vs Travelers Small Business: Small Business Insurance Compared (2026)

Compare Hiscox vs Travelers Small Business for small business insurance: scores, pricing, coverage, claims, AM Best ratings, and who each carrier is best for.

Updated

Head-to-head comparison

Comparing Hiscox (7.0/10) and Travelers Small Business (8.1/10) for small business owners choosing between two of the carriers we review at BizInsuranceCompare.

Sub-threshold = fewer than 20 NAIC complaints in 3 years (data is too sparse to score reliably). N/A (broker) = not a carrier. See full methodology →

Hiscox vs Travelers Small Business side-by-side
CarrierOur scorePositioningStarting priceCoverageClaimsAM BestNAIC indexStatesQuote channel
7.0Professional services E&O focusGL $30/mo7.5/108.0/10A8.1550 statesDirect online
8.1Broad-ladder primary carrierGL $42/mo9.0/108.0/10A++ Sub-threshold 50 statesDirect online

About complaint index data: Values are 3-year averages from NAIC Consumer Information Source for commercial liability. Carriers with fewer than 20 complaints in the 3-year window are labeled "sub-threshold". A reliability call about data volume, not a finding about the carrier. Brokers (Category D) are structurally N/A. See our complete methodology.

Quick verdict

Travelers Small Business edges out Hiscox by 1.1 on our 10-point scale, scoring higher on complaint history while Hiscox holds ground on pricing. Travelers Small Business is best for Small businesses seeking the strongest combination of credit quality, coverage breadth, and at-market pricing on direct-bind paper — especially growing businesses that need D&O, EPLI, or commercial umbrella alongside primary liability; trades, contractors, and field-services businesses needing the full GL + WC + auto + umbrella package on A++ paper.; Hiscox fits Professional-services micro-businesses under ~10 employees — consultants, marketing agencies, accountants, IT consultants, photographers, SaaS firms, real estate agents — whose primary exposure is professional liability, cyber, D&O, or EPLI, with commercial liability carried as a secondary line alongside the primary coverage they are actually choosing Hiscox for..

Where Hiscox wins

  • Pricing: Hiscox 7.5 vs Travelers Small Business 7.0
  • Customer experience: Hiscox 8.0 vs Travelers Small Business 7.5

Where Travelers Small Business wins

  • Complaint history: Travelers Small Business 7.0 vs Hiscox 3.5
  • Financial strength: Travelers Small Business 10.0 vs Hiscox 8.0
  • Coverage: Travelers Small Business 9.0 vs Hiscox 7.5

Pricing comparison

Policy line Hiscox Travelers Small Business
General liability$30/mo$42/mo
Business owners policy$42/mo$57/mo
Workers comp—$45/mo
Cyber$30/mo—

Starting prices reflect carrier-published "from" rates and don't include your business's actual underwriting. Quote both for a usable comparison.

Coverage comparison

Hiscox

  • ● bop
  • ○ commercial auto
  • ○ commercial property
  • ● cyber liability
  • ● d and o
  • ● epli
  • ● general liability
  • ● professional liability
  • ○ umbrella
  • ● workers comp

Travelers Small Business

  • ● bop
  • ● commercial auto
  • ● commercial property
  • ● cyber liability
  • ● d and o
  • ● epli
  • ● general liability
  • ● professional liability
  • ● umbrella
  • ● workers comp

Claims experience

Note: Hiscox's NAIC complaint index is 8.15. Above industry baseline. Both carriers score evenly at 8.0/10 on claims. Read the full reviews for the qualitative findings. For NAIC-reported complaint volumes that fall below the threshold (typically <20 complaints in the reporting window), the index is suppressed by NAIC and shown as ", ". That's not the same as zero complaints.

Verdict. Which should you choose?

Hiscox fits if Professional-services micro-businesses under ~10 employees — consultants, marketing agencies, accountants, IT consultants, photographers, SaaS firms, real estate agents — whose primary exposure is professional liability, cyber, D&O, or EPLI, with commercial liability carried as a secondary line alongside the primary coverage they are actually choosing Hiscox for.. Travelers Small Business fits if Small businesses seeking the strongest combination of credit quality, coverage breadth, and at-market pricing on direct-bind paper — especially growing businesses that need D&O, EPLI, or commercial umbrella alongside primary liability; trades, contractors, and field-services businesses needing the full GL + WC + auto + umbrella package on A++ paper.. The fastest way to settle it: get bound quotes from both for the same coverage limits, then compare premium and the policy form, not the marketing.

Compare Hiscox, Travelers Small Business, and 8 other carriers in 2 minutes.

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For deeper trust assessments: Is Hiscox worth it? · Is Travelers Small Business worth it?

Frequently asked questions

Is Hiscox or Travelers Small Business cheaper for small business insurance?
Hiscox starts lower at $30/mo vs $42/mo for Travelers Small Business. But starting price isn't your final price. Get bound quotes for the same limits before deciding.
Which has better customer service, Hiscox or Travelers Small Business?
Both carriers score evenly at 8.0/10 on claims. Read the full reviews for the qualitative findings.
Does Hiscox or Travelers Small Business offer broader coverage?
Travelers Small Business scores 9.0/10 on coverage breadth vs 7.5/10 for Hiscox. Coverage breadth captures policy types offered and the depth within each, weighted at 20% of our overall score.
Can I switch from Hiscox to Travelers Small Business?
Yes. There's no carrier-side restriction on switching small business insurance. The right time is at renewal so you avoid mid-term cancellation fees, but a serious price or coverage gap can justify switching mid-term. Quote both before your renewal date and compare apples-to-apples on coverage limits, not just premium.
How we scored this

Last updated: 2026-04-29