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

– 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 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 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.

Click to rate this post!
[Total: 1 Average: 5]
Thang Truong
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, Capital One, NerdWallet, and Mulberry Technology. He holds a MBA degree from UC Berkeley - Haas School of Business.

More Stories

Milepost Joins Truckstop: A New Dawn for Commercial Truck Insurance

The trucking industry is about to witness a significant shift in how insurance policies are procured, managed, and serviced. Milepost Insurance Agency LLC, a renowned Berkshire Hathaway enterprise, has recently collaborated with Truckstop, thereby pioneering a new era in trucking insurance for independent owner-operators. Revolutionizing the Insurance Experience The primary aim behind this dynamic partnership […]

Thang Truong
Thang Truong

Navigating Commercial Truck Insurance Premiums in 2023

Commercial truck insurance has become a focal point for many in the transportation sector as we delve deeper into 2023. With premiums seeing significant spikes in recent years, stakeholders are asking: Are we approaching a stabilization or even a decrease in these rates? Insights from industry experts provide clarity on this critical concern. Trends in […]

Thang Truong
Thang Truong

Regulatory Changes and Rising Commercial Truck Insurance Costs in California

In the wake of the passing of California’s AB5 bill, the trucking industry, including drivers and insurers, face unforeseen challenges. The legislation threatens to severely disrupt contractual trucking gigs, leading to rising insurance costs and potential operational changes. AB5 – A Potential Setback for Owner-Operators AB5, signed into law by Governor Gavin Newsom in 2019, […]

Thang Truong
Thang Truong

Finding Balance in Commercial Truck Insurance: Costs, Value, Services, and Long-Term Benefits

Navigating the maze of truck insurance offerings is not just a matter of finding the lowest price. It’s about understanding the nuances of what you’re buying, considering long-term benefits, and ensuring a harmonious relationship with your provider. This article offers a detailed examination of the process, unfolding the aspects of costs, value, services, honesty, and […]

Thang Truong
Thang Truong

New SEC Regulations on Cybersecurity and AI: A Comprehensive Overview

In an era where technology is at the forefront of business operations, the U.S. Securities and Exchange Commission (SEC) is taking decisive steps to ensure transparency and ethical practices. On Wednesday, the SEC was set to introduce new regulations that will impact publicly traded companies in two significant areas: cybersecurity and artificial intelligence (AI). These […]

Thang Truong
Thang Truong

6 Best Malpractice Insurance for Nurse Practitioners for 2023

Nurse practitioners have a great deal of responsibility when it comes to patient care. Many nurse practitioners assume that because they work under a doctor and their employer provides some level of malpractice insurance, they’re covered. It may be worth it to purchase your own policy, however. Employer malpractice insurance is to protect the employer, […]

Thang Truong
Thang Truong

6 Best Warehouse Insurance and Costs for 2023 

In the fast-paced world of logistics and supply chain management, warehouses play a pivotal role. They serve as the backbone of industries, storing a wide variety of goods that are integral to our daily lives. However, with such responsibility comes a multitude of risks. From natural disasters and fires to theft and accidental damage, warehouses […]

Thang Truong
Thang Truong

5 Best Retail Insurance Companies & Costs for 2023 

The retail industry can be an exciting and profitable venture. However, it’s also fraught with risks that could potentially disrupt operations and result in significant losses. This is where retail insurance comes in. 5 best retail insurance companies Simply Business: Best for comparing several quotes from top-tier carriers  Simply Business is a leading online insurance […]

Thang Truong
Thang Truong

How Much Does Daycare Insurance Cost in 2023? 

In the ever-evolving landscape of childcare, ensuring the safety and well-being of the children under your care is paramount. One crucial aspect of this responsibility is securing comprehensive daycare insurance. This coverage not only protects your daycare business from potential liabilities but also provides parents with the assurance that their children are in a safe […]

Thang Truong
Thang Truong

7 Best Film Production Insurance, Cost, & Coverage

The world of film production is thrilling, dynamic, and filled with creativity. However, it also comes with considerable risks ranging from personal injuries and equipment damage to legal issues. To mitigate these risks and protect the investment, having a comprehensive film production insurance is essential. This article aims to provide an understanding of why such […]

Thang Truong
Thang Truong