Huckleberry Insurance Review 2022

Thang Truong
Thang Truong
Updated on:

Huckleberry is part of a new breed of online business insurance. The founders recognized that the whole business insurance industry was antiquated, requiring paper applications and weeks to process them, as if the internet didn’t exist. Companies such as Vouch, Pie, and Embroker all had the same thought—to make buying business insurance simple, faster and entirely online by using AI. 

So far, they’ve raised $18 million in series A funding, with some investments as add-ons. 

They don’t have application fees, and everything can be completed in five minutes, saving startup founders valuable time. 

Pros & Cons of Huckleberry Insurance

ProsCons
– Fast, easy quotes
– No paperwork
– 100% online
– Not available in every state
– Mixed customer service reviews

If you are looking for the best cyber insurance for your company, be sure to shop around with a few companies or with a digital broker like CoverWallet, Simply Business, or commercialinsurance.net to compare several quotes to select the best one for you.

Products Offered by Huckleberry Insurance

Huckleberry offers most basic business insurance types. 

Workers Compensation insurance: Covers your employees in case they are injured or become ill on the job because of their work environment. Workers compensation pays for medical bills and lost wages. Many states require business carry workers compensation insurance if they have even one employee. 

Business owner’s policy: A BOP is a bundle of different policies that usually includes both general liability, property insurance and business interruption insurance. 

General liability: This protects you if someone injures themselves on your job site (not your employees, though—that’s covered by workers compensation), or you damage someone else’s property. 

Business property: This covers your property—your building—if it’s damaged or destroyed. If you want to protect the goods inside the building, you’ll need business personal property insurance.

Business interruption: This protects you from losses in case your business is forced to close for a covered reason. Unfortunately, most policies don’t cover pandemics, even though many businesses were forced to close due to Covid-19. 

Under “Additional Coverages” Huckleberry lists:

For the following quote, we said we were an IT business/computer repair service with $57,000 in payroll and $100,000 in revenue. 

Graphical user interface, text, application

Description automatically generated

It’s important to realize this is an estimate. To get an actual quote, you’d have to enter more information. When you see an option to buy, you’ll know that’s the final price. Huckleberry says most people can get coverage in less than ten minutes. 

Industries Huckleberry insures:

  • Food and beverage
  • Fitness
  • Retail
  • Healthcare
  • Legal 
  • It/computers
  • Salons
  • Plumbing
  • Dental practices

If they don’t insure your type of business yet, they will soon. 

>>MORE: Next Insurance Review; Thimble Insurance Review; Pie Insurance Review; Vouch Insurance Review

Financial Strength Rating of Huckleberry Insurance

Although Huckleberry is a relatively new company, their policies are underwritten by Markel insurance, which has a financial strength rating of A, or excellent. This is very reassuring, because you know that Huckleberry has the financial backing it needs to pay claims. 

>>MORE: Best Small Business Insurance Companies 2020

Customer Satisfaction Rating of Huckleberry Insurance

Huckleberry is too new to appear on J.D. Power’s small commercial business insurance study, although the 2020 results should be coming out soon. We had trouble finding it on the BBB website as well. 

On Trustpilot, there are 25 reviews for Huckleberry and they get 3.9 out of five stars. 68% of reviews thought they were excellent, 24% gave them one star, and 8% gave them four out of five. The positive reviews said the process was simple and easy, and a great value.  

The negative reviews mention poor customer service and communication. It’s a little troubling that out of all the reviews, almost a quarter of them are negative. On the other hand, they are a new company, so perhaps they’re still working out the kinks. 

>>MORE: The 4 Best Business Owner Policy (BOP Insurance) Companies

Consumer Complaints Rating of Huckleberry Insurance

It’s not surprising that Huckleberry is not on the NAIC website yet. However, Markel, the company they’re backed by is on the site. Markel gets a complaint index of .75, which means they get slightly fewer complaints than you would expect. 

>>MORE: The 6 Best Providers of General Liability Insurance for Small Businesses

Digital Experience Rating of Huckleberry Insurance

Huckleberry was developed entirely to make the process of buying business insurance fast, easy and entirely online. You simply enter your type of business, annual payroll, annual revenue, your email address and phone number and you’ll get an estimate. If you wish to continue, you’ll answer questions like:

  • When do you want the policy to start
  • How your business is set up (are you a sole proprietor, corporation, LLC, etc.
  • Federal tax id number
  • Confirm your business location

And you’re on your way to a quote. 

What makes the process even faster is that if you’re an established business, Huckleberry can search data bases to auto-fill most of your application (they discard this information later, in case you’re worried about privacy). 

You can pay for your policy online with a credit card or your bank account. You can get unlimited copies of certificates of insurance and Huckleberry will email them to whoever you choose. 

>>MORE: How Much Does General Liability Insurance Cost?

If you are looking for the best cyber insurance for your company, be sure to shop around with a few companies or with a digital broker like CoverWallet, Simply Business, or commercialinsurance.net to compare several quotes to select the best one for you.

Last Thoughts

The business insurance industry is finally catching up to the rest of the world by offering business insurance online by using AI. There is some competition among startup business insurance companies, so savvy shoppers should obtain multiple quotes before deciding on a policy. Huckleberry is definitely fast and efficient—a few negative customer service reviews are troubling, but probably not deal breakers. And getting a quote is really easy, so it’s worth it to get one and compare.

Thang Truong

Thang Truong covers small business insurance and small business success at BravoPolicy. He is a licensed P&C insurance agent. Previously, he held product leadership positions at realtor.com, Capital One, NerdWallet, and Mulberry Technology. He holds a MBA degree from UC Berkeley - Haas School of Business.

More Stories

Nationwide Small Business Insurance Review 2022

Starting in 1926, Nationwide has become one of the largest insurance carriers in the country, offering a broad range of insurance products such as asset management services, banking, savings plans, and retirement solutions. It has over 500,000 small business customers and places #69 on the Fortune 100 list, which comprises of the top 100 companies […]

Next Insurance Review 2022

Next Insurance company was launched in 2015, with the goal of providing small business owners a more pleasant and efficient way of purchasing insurance. You can purchase all your business insurance online, without ever talking to an agent or a broker.  The way they do that is through AI technology, although you can talk to […]

Thimble Small Business Insurance Review 2022

A relative newcomer to the insurance field, Thimble launched in 2016 and is already making waves. It was initially developed to bring liability insurance to drone operators, but customers loved it so much they asked about other industries. Eventually, Thimble expanded to cover 100 small business professions. Rather than lock you into a policy for […]

Auto Owners Small Business Insurance Review 2022

Auto Owners Insurance has been around for a long time, since 1916. It is one of the nation’s largest insurers, providing insurance to nearly three million policyholders. Licensed agents sell home, auto, life and business insurance. Their agent network is quite extensive, with over 47,000 agents in more than 6,300 agencies across the United States.  […]

The Hartford Small Business Insurance Review 2022

Choosing the correct small business insurance can be one of the most important decisions you’ll make as a small business owner. Finding the right policies can mean the difference between not having enough coverage and keeping your assets protected in the case of a lawsuit. Below we’ll take a look at the Hartford in terms […]

Chubb Small Business Insurance Review 2022

If you’re a business owner shopping around for small business insurance, you’ll want to consider and get quotes from a variety of insurance companies. One such company is Chubb, which is the world’s largest publicly traded property and casualty insurance company in the world.   If you buy a policy through Chubb, you can either do […]

Travelers Small Business Insurance Review 2022

The Travelers is the one under the big red umbrella. The carrier began in 1864 as the St. Paul Fire and Marine Insurance Company. They are one of the largest insurance companies in the world, and the only property casualty company on the Dow Jones Industrial Average. They were purchased by MetLife in 2006, but […]

Liberty Mutual Small Business Insurance Review 2022

As a small business owner, it’s important to protect your business from unexpected problems. You’ll need to look into small business insurance so that your assets are protected. You’ll want to consider quotes from many different insurance companies so you can get the best one for you. Here, we take a look at Liberty Mutual […]

AIG Small Business Insurance Review 2022

Insuring your business is one of the most important things you’ll do as a small business owner. It can mean being protected from a lawsuit or disaster that might have otherwise put your operations in financial jeopardy. One larger insurer that offers business insurance is AIG. Below we’ll look at the products AIG offers, the […]

Cincinnati Small Business Insurance Review 2022

You have a large amount of choices when it comes to finding insurance for your small business. One factor in those choices is picking between a larger insurer and a smaller insurer. Smaller insurers tend to offer a more customized, personal experience. One such example is Cincinnati Insurance. Below we’ll look at the products offered, […]