Huckleberry Business Insurance Review 2023: Pros, Cons, Alternatives

Huckleberry business insurance

Huckleberry is an insurance broker that partners with licensed insurance carriers. You can get a quote for various types of small-business insurance coverage in just a few minutes through Huckleberry’s website. And if the quoted business insurance policies are a good fit, you can purchase those policies online through Huckleberry’s insurance partners right away.

Huckleberry is a good fit for business owners who need coverage fast — especially restaurants, since the company sells liquor liability insurance online.

Here’s what you should know before purchasing a business insurance policy through Huckleberry.

Huckleberry business insurance: Pros and cons

What types of small-business insurance can I buy through Huckleberry?

Huckleberry’s insurance companies offer a variety of coverage options. Here are some common policies you can purchase through Huckleberry.

Business owner's policy

Insurance companies commonly bundle core policy types to simplify coverage for small businesses. These insurance packages are called business owner’s policies, or BOPs, and typically combine enough protection to cover many small businesses’ needs.

Huckleberry’s BOP package bundles three types of insurance coverage that can benefit almost all small businesses: general liability insurance, business property insurance and business interruption insurance.

General liability insurance protects businesses from claims of certain types of harm against a person or their property.

Business property insurance through Huckleberry includes two main components: business personal property coverage for your business furniture, technology and equipment, as well as coverage for any buildings belonging to your business.

Business interruption insurance can help cover some of your bills, payroll and other operating expenses if your business is forced to suspend operations for a covered reason, such as certain natural disasters.

General liability insurance

In some rare cases, your small business may only need general liability insurance, which can be purchased as a stand-alone policy through Huckleberry. However, individual coverage often costs about the same as a BOP, according to Huckleberry’s website.

Workers’ compensation insurance

Workers’ compensation insurance protects small businesses with employees or contractors when a worker is injured or falls ill as a result of the job. While employment laws vary from state to state, many states mandate that businesses must hold workers’ compensation coverage for any employees.

Commercial auto insurance

Small businesses that rely on vehicles to operate will need commercial auto insurance, which often provides more extensive coverage than consumer policies. Common business scenarios that call for commercial auto insurance include transporting work equipment, frequent trips to visit clients or vendors and delivery services.

Additional coverage add-ons

In addition to the common policy types listed above, Huckleberry also offers the following types of coverage for specific needs, including:

• Business property insurance (as a stand-alone product instead of bundled with a BOP).

• Business interruption insurance (as a stand-alone product instead of bundled with a BOP), with extra expense coverage available.

• Professional liability insurance.

• Hired and non-owned auto insurance.

• Liquor liability insurance.

• Employment practices liability insurance.

• Spoilage coverage insurance.

• Equipment breakdown insurance.

• Restaurant endorsement insurance.

• Employee dishonesty insurance.

How to get Huckleberry business insurance

Huckleberry small-business insurance is available in 46 states. Huckleberry does not serve North Dakota, Ohio, Washington and Wyoming.

Submitting an online application for an instant quote is the only way to purchase small-business insurance through Huckleberry. The interactive application form allows you to select the types of coverage you need for your business. If you decide to move forward after receiving your insurance quote, you can pay for the policies and use an electronic signature for all the required documents online.

Many Huckleberry customers can purchase small-business insurance coverage in as little as five minutes, according to the company.

How much does Huckleberry insurance cost?

Huckleberry is not an insurance provider itself. Instead, Huckleberry is a broker that connects business owners with insurance carriers that offer a variety of packages. Premiums will vary based on the coverage you need and the providers Huckleberry matches you with. Huckleberry does not charge broker fees for the service.

Should you choose Huckleberry for business insurance?

Huckleberry may be a good fit for your business if:

• You want to shop online. Huckleberry allows shoppers to provide some basic information about their business and industry, then will suggest policies for you. Most businesses can probably get a quote in a matter of minutes.

• You need liquor liability or employment practices liability insurance. Huckleberry sells liquor liability insurance and employment practices liability insurance online. In general, it can be more difficult to buy these specialized types of policies from online business insurance companies than it is from traditional brick-and-mortar insurance agencies.

• You want to work with an established insurer. While Huckleberry might be a new name for business insurance shoppers, the insurance companies it works with — which is to say, the companies that will be handling your claims — are all highly rated for their financial strength.

Alternatives to Huckleberry business insurance

Huckleberry won't be a fit for every business. You may want to consider these other insurance companies too:

• If you want to compare quotes from multiple insurers yourself: While Huckleberry sells policies from multiple insurers, it does the work of selecting the best policy for you. If you want to compare those options yourself, consider using an online brokerage like CoverWallet. Like with Huckleberry, you'll provide some information about your business — but then CoverWallet will show you several policies that are available to you and let you choose which one you want to buy.

• If you only need coverage for a temporary period: Thimble offers policies by the month or job, which can help you meet the requirements of a short-term contract while potentially saving money.

• If you want the simplest possible policy: Three is a Berkshire Hathaway subsidiary that combines a variety of business insurance coverages into one three-page policy.