Underwritten by Hiscox Insurance Company Inc. (HICI), a Chicago-based insurance company. Based on a December 2012 analysis of the average premiums charged by HICI and three competing insurance companies in 38 states and DC for professional liability insurance ($1,000,000 policy limit) for: (a) An IT consultant ($200,000 annual revenue); and (b) A business consultant ($160,000 annual revenue).