Business Insurance Comparison
Hiscox vs The Hartford vs biBERK
Side-by-side comparison of Hiscox vs The Hartford vs biBERK business insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Hiscox edges ahead The Hartford and biBERK in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| Hiscox | The Hartford | biBERK | |
|---|---|---|---|
| Overall score | 4.45 /5 ★★★★★ Highest overall | 4.38 /5 ★★★★★ | 4.32 /5 ★★★★★ |
| National rank | #2 | #4 | #5 |
| Avg. annual rate | $264 Varies by industry | $648 Varies by industry | $336 Varies by industry |
| Avg. monthly | $22 | $54 | $28 |
| Best for | Hiscox is a specialty business insurance for professional services with deep expertise in small business risks | The Hartford is a comprehensive small business packages with 200+ years of underwriting experience | biBERK is a berkshire Hathaway-backed direct business insurance with no broker fees and competitive pricing |
| Read full review | Hiscox review → | The Hartford review → | biBERK review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Hiscox | The Hartford | biBERK |
|---|---|---|---|
| Customer experience | 4.70 · #3 | 4.85 · #2 | 4.40 · #5 |
| Coverage breadth | 5.00 · #1 | 4.85 · #2 | 4.55 · #4 |
| Affordability | 4.85 · #2 | 4.40 · #5 | 4.70 · #3 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Hiscox
Full review →Pros
- Deep specialty in small business and professional services
- Instant online quote and policy binding
- Strong reputation in consulting, technology, and creative industries
- A.M. Best rated A (Excellent) for financial strength
- Tailored coverage for hundreds of specific professions
Cons
- Limited coverage for industries outside core specialties
- Customer satisfaction scores vary by industry segment
- Less competitive pricing for very small (sub-$50K revenue) businesses
- Fewer add-on options than larger commercial carriers
The Hartford
Full review →Pros
- Comprehensive Business Owner's Policy (BOP) bundles
- AARP-endorsed for many policy types
- 200+ years insuring small businesses
- Strong agent network with personalized service
- Robust workers' compensation and commercial auto offerings
Cons
- Higher base rates than digital-first competitors
- Online quoting less developed than insurtech rivals
- Underwriting can be slow for some industries
- Less competitive for very small (under $100K revenue) businesses
biBERK
Full review →Pros
- Backed by Berkshire Hathaway — top-tier financial strength
- Direct savings — no broker commissions in your premium
- Online quote, application, and binding
- Strong underwriting for higher-risk industries
- Broad coverage menu across business insurance products
Cons
- Less brand recognition than household-name carriers
- Customer service primarily phone-based
- Fewer add-ons than legacy commercial carriers
- Online experience less polished than insurtech competitors
Coverage at a glance
What each carrier offers in standard policies.
Hiscox
Hiscox offers a comprehensive coverage menu typical of major business insurance carriers, with several add-ons that set it apart from competitors. The table below details the main add-ons available.
Add-on coverage
- Professional Liability (E&O) — Errors, omissions, and negligent advice in professional services
- General Liability — Third-party bodily injury and property damage
- Cyber Liability — Data breach response, legal fees, and customer notification costs
- Business Owners Policy (BOP) — Bundled package combining property and general liability
The Hartford
The Hartford offers a comprehensive coverage menu typical of major business insurance carriers, with several add-ons that set it apart from competitors. The table below details the main add-ons available.
Add-on coverage
- Business Owner's Policy (BOP) — Property + general liability + business interruption
- Workers' Compensation — Medical bills and lost wages for employees injured on the job
- Commercial Auto — Vehicles used for business purposes
- Data Breach / Cyber — Cyber liability and data breach response costs
biBERK
biBERK offers a comprehensive coverage menu typical of major business insurance carriers, with several add-ons that set it apart from competitors. The table below details the main add-ons available.
Add-on coverage
- General Liability — Third-party bodily injury and property damage
- Professional Liability (E&O) — Errors and omissions in professional services
- Workers' Compensation — Medical bills and lost wages for injured employees
- Commercial Auto — Business-use vehicles
The bottom line
Hiscox
Hiscox earns an overall score of 4.45/5 in QuoteYeti's business insurance provider rankings. The carrier ranks #2 nationally, with particular strength in affordability.
Hiscox is best suited for small business owners who prioritize the lowest possible rate. Limited coverage for industries outside core specialties is the most common drawback to weigh against the strengths.
As always, compare quotes from multiple insurers before committing. The right carrier depends on your specific profile — driving record, claims history, location, and coverage needs all shift the math.
The Hartford
The Hartford earns an overall score of 4.38/5 in QuoteYeti's business insurance provider rankings. The carrier ranks #4 nationally, with particular strength in customer experience.
The Hartford is best suited for small business owners who value strong customer service over the lowest price. Higher base rates than digital-first competitors is the most common drawback to weigh against the strengths.
As always, compare quotes from multiple insurers before committing. The right carrier depends on your specific profile — driving record, claims history, location, and coverage needs all shift the math.
biBERK
biBERK earns an overall score of 4.32/5 in QuoteYeti's business insurance provider rankings. The carrier ranks #5 nationally, with particular strength in affordability.
biBERK is best suited for small business owners who want a balance of price and service from an established carrier. Less brand recognition than household-name carriers is the most common drawback to weigh against the strengths.
As always, compare quotes from multiple insurers before committing. The right carrier depends on your specific profile — driving record, claims history, location, and coverage needs all shift the math.
Before you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.