Hiscox vs FLIP

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

Compare	HiscoxHiscox	FLIPVeracity Insurance
In one line	Professional liability for consultants and agencies	Liability insurance for food trucks, vendors, and caterers
Starting price	From $29.17/mo	From $25.92/mo
Six-person team	$29.17/mo	$25.92/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	$25.92/mo or $299/yr ($1M per occurrence, $2M aggregate, no deductible); with liquor liability $37.75/mo; tools and equipment cover optional
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Standalone	Free unlimited additional insureds, certificates online
Team size	Just me · 2–10 people	Just me · 2–10 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	Phone: Monday – Friday 6am – 6pm Mountain Time
Incidents posted	We found no public status page for Hiscox.	We found no public status page for Veracity Insurance.
Trustpilot score	1.4 / 5 from 959 reviews	3.6 / 5 from 1 reviews (few reviews)
Fit: Retail shop	40	30
Fit: Restaurant or café	30	85
Fit: Service business	90	20
Fit: Agency or studio	92	5
Fit: Trades or contractor	55	10
Fit: Online store	45	25
Why people pick it	Knows professional services Fast quotes	Additional insureds free and unlimited No deductible on liability
Where it falls short	Weaker for trades and retail	Tools and equipment cover costs extra Built for food and drink businesses only
	Visit Hiscox ↗	Visit FLIP ↗

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