ERGO NEXT Insurance vs Hiscox

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

Compare	ERGO NEXT InsuranceERGO NEXT Insurance	HiscoxHiscox
In one line	Liability and workers' comp quoted online in minutes	Professional liability for consultants and agencies
Starting price	From $19/mo	From $29.17/mo
Six-person team	$19/mo	$29.17/mo
Plans	General liability from $19/mo for low-risk businesses; final price set by underwriting	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
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Certificates shareable by link	Standalone
Team size	Just me · 2–10 people · 11–50 people	Just me · 2–10 people
Available in	US	US · UK
Phone support	None listed	Not looked up yet
Live chat	Plans not stated	Not looked up yet
Support hours	Live chat: Live agents Mon–Fri 8 a.m.–5 p.m. CT; AI assistant 24/7	Not published
Incidents posted	We found no public status page for ERGO NEXT Insurance.	We found no public status page for Hiscox.
Trustpilot score	3.9 / 5 from 1,437 reviews	1.4 / 5 from 959 reviews
Fit: Retail shop	70	40
Fit: Restaurant or café	60	30
Fit: Service business	85	90
Fit: Agency or studio	70	92
Fit: Trades or contractor	95	55
Fit: Online store	55	45
Why people pick it	Instant COIs Online claims	Knows professional services Fast quotes
Where it falls short	Not every state and trade Higher risk classes get referred out	Weaker for trades and retail
	Visit ERGO NEXT Insurance ↗	Visit Hiscox ↗

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