The short version
Well suited to consultants, freelancers and other service businesses that need E&O coverage. On our small business insurance comparison, it's labeled Best for freelancers and consultants.
Key facts
| Buy through | Online, phone |
|---|
| Coverages | E&O, GL, BOP, cyber |
|---|
| Certificates | Online |
|---|
What stands out
- Professional liability (E&O) tailored by profession
- General liability and BOPs
- Online quotes
Pros and cons
Pros
- Specialist in professional liability
- Good fit for small service firms
Cons
- Less focus on high-risk trades
How Hiscox compares
Side-by-side comparison
| NI NEXT Insurance (ERGO) | TH The Hartford | H Hiscox |
|---|
| Trustpilot rating | | – | – |
| Buy through | Online | Online, agents | Online, phone |
| Coverages | GL, BOP, WC, E&O, auto | GL, BOP, WC, auto, E&O | E&O, GL, BOP, cyber |
| Certificates | Instant, online | Online | Online |
| Visit site | Visit site | Visit site |
Head-to-head comparisons
Alternatives to consider
What to check before you sign up
Whichever small business insurance provider you choose, compare these points:
- General liability. Covers third-party injury and property damage claims. Often required by landlords and clients.
- Business owner's policy. Bundles general liability with commercial property at a lower price than buying both separately.
- Professional liability. Covers claims that your advice or work caused a client financial loss.
- Workers' compensation. Required in most states once you have employees. Covers work-related injuries.
