Hiscox vs Stax: which one fits your business?
Side-by-side comparison of Hiscox and Stax — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Hiscox wins on our scorecard (7.7/10 vs 7.6/10).
| Scored on | Hiscox | Stax |
|---|---|---|
| Right fit for small biz | 8 | 9 |
| Ease of use | 9 | 6 |
| Fees & pricing | 7 | 7 |
| Customer support | 6 | 7 |
| Features | 8 | 9 |
| General Liability Starting Price | ~$30/mo | — |
| Professional Liability Starting Price | ~$25/mo | — |
| BOP Bundle Discount | Up to 5% | — |
| Policy Fees | Varies by state | — |
| Monthly Subscription | — | Starting at $99 |
| Interchange Markup | — | 0% |
| ACH Processing | — | Flat fee (varies by plan) |
| PCI Compliance | — | Included in subscription |
Hiscox in one paragraph
Hiscox is the gold standard for fast, digital-first insurance for white-collar solopreneurs, but it loses its edge as soon as your business adds physical risk or employees.
Skip it if: You work in a high-risk trade like roofing or tree removal, as you will likely be declined or overcharged.
Stax in one paragraph
Stax is the premier 'grown-up' choice for high-volume businesses that are tired of losing thousands to percentage-based markups.
Skip it if: You process less than $5,000 per month or need an instant, no-credit-check setup.
Frequently asked questions
Which is better, Hiscox or Stax?
On our five-axis scorecard, Hiscox scores higher (7.7/10 vs 7.6/10). Hiscox is the gold standard for fast, digital-first insurance for white-collar solopreneurs, but it loses its edge as soon as your business adds physical risk or employees.
Who should skip Hiscox?
You work in a high-risk trade like roofing or tree removal, as you will likely be declined or overcharged.
Who should skip Stax?
You process less than $5,000 per month or need an instant, no-credit-check setup.