They offer insurance just like any other company. Insurance benefits are better looked at collectively with other companies rather than individually. One benefit of this particular company is their financial backing is good.
"Hiscox USA provides insurance services to businesses. This includes professional, property and specialty insurance for businesses that can either be purchased directly or through a broker."
DHCP s just a server that provides IP details to a computer. Since it can be set up to give statc IP address details to specific computers it has no disadvantage....unless of course the DHCP server...