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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 products are a good fit, you can purchase those policies online through Huckleberry’s insurance partners right away.
Here’s what the company has to offer, and what you should know before purchasing a business insurance policy through Huckleberry.
Convenient online application and approval process.
Business owners who prefer a personal touch may want an insurance company with traditional agents.
Brokerage model matches business owners with suitable coverage options from Huckleberry’s network of insurance carriers.
Business owners purchasing multiple types of coverage may end up having more than one insurer.
How to get Huckleberry business insurance
Huckleberry small business insurance is available in 46 states. There are four states that 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. Instead, Huckleberry is a broker that connects business owners with insurance carriers that offer a variety of packages. Accordingly, 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.
This model might be more common than you think: Some name-brand carriers such as Progressive also work with third-party insurers to provide their customers with certain types of business policies.
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).
Hired and non-owned auto insurance.
Spoilage coverage insurance.
Restaurant endorsement insurance.
Employee dishonesty insurance.
Is Huckleberry business insurance right for you?
Huckleberry is ideal for small business owners who value the ease and autonomy of online transactions and don’t mind working through an insurance broker. But business owners who prefer a dedicated agent’s touch may do better with a traditional insurer such as State Farm, which only sells policies through its nationwide network of insurance agents.