Fast, Simple Coverage for Small Businesses with Hiscox NOW
BTIS – Builders & Tradesmens Insurance Services, Inc. is excited to offer agents and brokers access to Hiscox NOW, a streamlined platform designed to quote and bind small business insurance in minutes. With no login or registration required, you can deliver fast, affordable coverage to your clients—backed by the financial strength of Hiscox Insurance Company Inc.
Ideal Accounts and Appetite
Hiscox NOW is built for speed and simplicity, making it ideal for agents placing coverage for a wide range of professional services and micro-businesses. This program offers coverage for over 100 different professions, including:
- Consultants
- IT professionals
- Freelancers and independent contractors
- Home-based businesses
- Marketing and creative services
- Personal trainers and fitness coaches
- Real estate professionals
If you have clients who need fast turnaround for startup coverage, or who operate small, low-hazard businesses, Hiscox NOW is an excellent fit. For example, a freelance web designer working from home or a small accounting firm with a handful of employees can be quoted and bound in minutes through this platform.
Coverage Highlights and Program Features
Written on admitted paper through Hiscox Insurance Company Inc., Hiscox NOW provides tailored, essential coverages that protect small businesses from core exposures:
- Business Owners Policy (BOP): Combines general liability and business property coverage
- General Liability: Protection against third-party claims of bodily injury or property damage
- Professional Liability (E&O): Coverage for service-based errors, omissions, or negligence
- Home-Based Business Insurance: Designed for small businesses operating from a residence
- Liability Insurance Overview: Broad coverage options for diverse classes
Program Benefits:
- Instant online binding—no login required
- Same-day coverage for 100+ professions
- Auto-renewals with lifetime commissions
- All billing and servicing handled by Hiscox
- Competitive pricing with premiums starting from $22.50/month
Underwriting and Minimum Premiums
This program is designed to remove friction from the quoting process. With a broad underwriting appetite, agents can quote and bind coverage quickly without back-and-forth underwriting delays. Minimum premiums are affordable, starting as low as $22.50 per month, making this platform ideal for small accounts or new ventures.
Territories and Availability
Hiscox NOW is available in most U.S. states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Please note that products may not be available in all states.
Why Partner with BTIS
BTIS is a trusted Managing General Agency with a commitment to speed, service, and simplicity. Our partnership with Hiscox NOW gives you the tools to grow your book of small commercial business without the red tape. We make it easy to meet your clients’ needs with fast coverage, minimal effort, and ongoing support.
If you're ready to learn more about Hiscox NOW, eligibility, or how to start quoting, contact a BTIS representative today. We’re here to help you succeed.
*Please note that the products offered are underwritten only by Hiscox Insurance Company Inc. and are not available in all states.
Frequently Asked Questions
What types of accounts are a good fit for Hiscox NOW?
This program is ideal for small businesses, home-based operations, and professional services such as consultants, freelancers, IT professionals, and more.
How quickly can I quote and bind coverage?
You can quote and bind coverage in just minutes with no login or registration required, making it perfect for quick-turnaround accounts.
Is Hiscox NOW available in all states?
Hiscox NOW is available in most U.S. states, but some products may not be offered in every state. Check availability before quoting.
Does the program offer professional liability or E&O coverage?
Yes, professional liability (E&O) is one of the core coverage options available through Hiscox NOW.
Who handles billing and servicing for policies?
All billing and servicing is managed directly by Hiscox, allowing you to focus on selling and supporting your clients.
Need help placing an account? Connect with a market specialist.