Hiscox vs biBERK

Two business insurance tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	HiscoxHiscox	biBERKBerkshire Hathaway Insurance Group
In one line	Professional liability for consultants and agencies	Direct small business insurance from a Berkshire Hathaway company
Starting price	From $29.17/mo	From $27.50/mo
Six-person team	$29.17/mo	$27.50/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	General liability from $27.50/mo; sold directly with no broker fees; final price depends on trade and state
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Standalone	None needed
Team size	Just me · 2–10 people	Just me · 2–10 people · 11–50 people
Available in	US · UK	US
Phone support	Not looked up yet	Every plan
Live chat	Not looked up yet	None listed
Support hours	Not published	Not published
Incidents posted	We found no public status page for Hiscox.	We found no public status page for Berkshire Hathaway Insurance Group.
Trustpilot score	1.4 / 5 from 959 reviews	4.5 / 5 from 2,623 reviews
Fit: Retail shop	40	75
Fit: Restaurant or café	30	72
Fit: Service business	90	82
Fit: Agency or studio	92	78
Fit: Trades or contractor	55	85
Fit: Online store	45	70
Why people pick it	Knows professional services Fast quotes	Backed by Berkshire Hathaway Buy and manage online
Where it falls short	Weaker for trades and retail	One carrier, no comparison Some trades need a call
	Visit Hiscox ↗	Visit biBERK ↗

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