Hiscox vs Alternative Balance
Two business insurance tools side by side. Prices are the starting plan a small business would pick, in USD.
Short version
Alternative Balance costs less for a six-person team.
Hiscox fits retail shop, restaurant or café, agency or studio, trades or contractor, online store.
| Compare | HiscoxHiscox | Alternative BalanceAlternative Balance |
|---|---|---|
| In one line | Professional liability for consultants and agencies | Liability cover for wellness, beauty, and fitness pros at $269 a year |
| Starting price | From $29.17/mo | From $22.42/mo |
| Six-person team | $29.17/mo | $22.42/mo |
| Plans | General liability examples on its cost page: $29.17/mo ($350/yr), $0 deductible, for an IT consultant in California ($100k payroll, $500k/$2M limits) and a business consultant in Texas ($200k payroll, $1M/$2M limits); price depends on your business; monthly payments cost no extra; professional liability quoted by profession | $269/yr paid in full ($2M per occurrence, $4M aggregate general and professional liability; equipment cover included); higher-risk services +$139 to +$454; no monthly option |
| Pricing model | Paid | Paid |
| Free trial | — | — |
| Users | n/a | n/a |
| Integrations | Standalone | Equipment and participant accident cover included |
| Team size | Just me · 2–10 people | Just me |
| Available in | US · UK | US |
| Phone support | Not looked up yet | Every plan |
| Live chat | Not looked up yet | Every plan |
| Support hours | Not published | Phone: Monday-Friday 9AM-5PM (EST) |
| Incidents posted | We found no public status page for Hiscox. | We found no public status page for Alternative Balance. |
| Trustpilot score | 1.4 / 5 from 959 reviews | 3.2 / 5 from 1 reviews (few reviews) |
| Fit: Retail shop | 40 | 20 |
| Fit: Restaurant or café | 30 | 5 |
| Fit: Service business | 90 | 85 |
| Fit: Agency or studio | 92 | 10 |
| Fit: Trades or contractor | 55 | 25 |
| Fit: Online store | 45 | 10 |
| Why people pick it |
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| Where it falls short |
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| Visit Hiscox | Visit Alternative Balance |
Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices
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