Huckleberry
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About
Huckleberry offers simple, fast business insurance—powered by technology. 100% online and 100% easy. Huckleberry's mission is to make insurance work for small businesses by providing business insurance products that are simple, fast, and 100% online. They offer various insurance products, including Workers' Compensation, Business Owner's Policy (BOP), General Liability, and others. They partner with large and respected small business insurance carriers. Huckleberry also provides resources like a Workers' Compensation Calculator and an Insurance Glossary.
Platform
Features
• workers' compensation insurance
• 100% online
• certificate of insurance
• business interruption insurance
• property insurance
• general liability insurance
• business owner's policy
• instant online business insurance quotes
FAQs
What is workers’ compensation insurance?
Workers’ compensation insurance is a policy purchased by a business to cover its employees in case they are injured or get sick because of work.
What does my workers' comp policy cover?
Workers’ comp covers any illness or injury related to work. It provides medical care, temporary & permanent disability benefits, job displacement benefits & death benefits.
Which businesses need to purchase workers' comp?
Generally, any business which has at least one employee must purchase worker's comp (although this requirement varies by state).
Do sole proprietors need workers' compensation?
Not necessarily. However, if a sole proprietor of a business hires help for any length of time, they’ll probably need to get workers’ comp coverage for that.
How much does workers’ compensation insurance cost?
Typically, a small business owner with a few employees can expect to pay around $2,000 to $3,000 a year in workers’ comp premiums.
How is a workers' comp premium calculated?
Your workers' comp premium is calculated as a percentage of your payroll. (For example, you might pay $3.28 per $100 of payroll.)
What is a premium audit?
A workers’ comp premium audit is the process that verifies that a company paid the correct amount for workers’ comp during the preceding year.
Why is my workers’ comp rate higher than it was last year?
The most common reason is that your payroll went up. The bigger the payroll, the higher the workers' comp payment.
How do I file a claim?
Make sure your employee gets medical attention. Should you need to file a workers’ compensation claim, please refer to your policy documents or call (855) 255-4825.
What is a business owner's policy?
A Business Owner's Policy (often called BOP) is a bundle of important coverages that are sold together. The main coverages included are general liability insurance, property insurance, & business interruption insurance.
What is general liability insurance?
General liability insurance covers your company's legal responsibility for any harm it may cause to other people or their property.
What is property insurance?
Business property insurance is coverage for the things your business owns. There are two main components to property insurance: coverage for your building (if you own it) and coverage for your business personal property.
What is business interruption insurance?
Business interruption insurance provides a financial benefit if your business is ever forced to suspend operations for a covered reason.
I just need general liability insurance. Do you offer that?
Yes. You can opt for a standalone general liability insurance policy. Keep in mind that this policy will not include add-on coverages that can come with a Business Owner’s Policy (BOP).
How much does it cost to use Huckleberry?
Nothing. We never charge broker fees.
Pricing Plans
Instant Estimate
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