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.
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Huckleberry business insurance: Pros and cons
| Pros | Cons |
|---|---|
| Convenient online application and approval process. | Customer support is primarily available via live chat. |
| Customers can add additional insureds and generate certificates of insurance online. | Business owners purchasing multiple types of coverage may end up having more than one insurer. |
| The insurance companies Huckleberry works with to sell general liability and commercial property insurance had fewer complaints than expected filed with state regulators from 2018 to 2021. |
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.
- Hired and non-owned auto insurance.
- Spoilage coverage insurance.
- Restaurant endorsement insurance.
- Employee dishonesty insurance.
Save up to 30% on business insurance
NerdWallet Small Business helps you get real-time quotes from 30+ insurers, and instant access to your Certificate of Insurance (COI) through our partner, Coverdash.
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.
Methodology
Business insurance ratings methodology
NerdWallet rewards business insurance companies for reliability and good service. We calculate star ratings based on scores in about a dozen categories. These include:
- Each company's financial strength.
- How many complaints customers made relative to its market share.
- How easy it is to get coverage.
- How accessible customer service is.
Learn more about how we rate small-business insurance companies.
Our editorial team routinely fact-checks and updates these data points. We also adjust our scoring on an ongoing basis. This helps our star ratings reflect changing industry norms. For instance, in 2026, we began evaluating how easy insurers make it to add an additional insured.
Our ratings are a guide. But insurance policy details and prices can vary widely. We encourage you to shop around and compare several insurance quotes.NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.
Insurer complaints methodology
One key factor in our star ratings is how many complaints insurance companies get. Here's how we arrive at that score.
Disappointed customers can file a complaint with their state's insurance department. The National Association of Insurance Commissioners (NAIC) collects, analyzes and groups complaints by business line and insurance company every year. A business line is a specific type of coverage, like workers’ comp.
Then, the NAIC calculates a complaint ratio for each company. It divides the company's share of complaints by its share of total premiums for each line of business. It then adds these ratio values to their official complaint index.
- A complaint ratio of 1 means a company received about the expected number of complaints relative to its size.
- A ratio of 2 means it received twice as many complaints as expected.
- A ratio of 0 means it received half as many complaints as expected.
NerdWallet obtains the raw NAIC data every year. We aggregate results at the company level and fact-check these results. Then we calculate a three-year average of each insurer's complaint ratio and convert it to a score for our star ratings.
Business insurance star ratings consider complaints about two lines of business: commercial liability and commercial property. We analyze complaint data on commercial auto and workers' comp policies too. But we don't currently incorporate these into our ratings since they're less universal.
