Table of contents
hide
Many used ATVs for amusement purposes, and it’s common to see these machines in amusement parks, hotel resorts, and other related businesses. On the other hand, UTVs are for day-to-day work, particularly in farms and ranches.
Insurance coverage is crucial to protect your business and ensure its long-term success. ATV rental insurance & UTV rental insurance provide essential safeguards against potential accidents, liabilities, and property damage.
This article will delve into the specifics of these insurance types, explore the situations they cover, and discuss the various add-ons available. Additionally, we will highlight some of the top insurance companies specializing in ATV and UTV rental insurance. By understanding the cost factors and available coverage options, you can effectively make informed decisions to safeguard your ATV or UTV rental business.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $2,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $2,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $2,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $300,000/$1,000,000 | $300,000 | $100,000 | $100,000 | $1,000,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included | No |
| Hired/non-owned auto liability coverage included? | Yes | No | No | Can be included | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $0 | $0 |
If you own or operate an ATV or UTV rental business, it’s important to protect yourself and your assets with the right insurance coverage. General liability insurance is a crucial policy that can safeguard your business against unexpected accidents and incidents.
The coverage limits typically start at $1 million per occurrence and $2 million aggregate.
Customer injury: If a customer sustains injuries while operating an ATV or UTV rented from your business, this ATV rental insurance can cover their medical expenses and protect you from potential lawsuits.
Property damage: In the event that a rented vehicle causes damage to third-party property, such as fences or buildings, general liability insurance can provide coverage for the repair or replacement costs.
Additional insured coverage: This add-on extends coverage to entities or individuals who are not the primary policyholder but have an insurable interest in your ATV or UTV rental business. It can be useful when partnering with other businesses or venues.
Damage waiver coverage: This add-on allows you to offer a damage waiver to customers, shifting the responsibility for damages or theft of the rented vehicles to the customer. It provides an additional layer of protection for your business.
While liability waivers are an essential risk management tool, they may need to provide more comprehensive protection. General liability insurance is still essential, as waivers may not always hold up in court, and certain situations may render them invalid. It ensures financial protection in case of unexpected accidents or incidents.
| CoverWallet | NEXT | Thimble (Best) | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $2,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Can be included | No |
| HIPAA coverage included? | No | No | No | No | No |
| Sexual misconduct coverage included? | No | No | No | No | Can be included |
| License defense coverage included? | No | No | No | No | Can be included |
| Deductible | $500 | $500 | $500 | $50/$10,000 | $500 |
When operating an ATV or UTV rental business, it’s essential to have professional liability insurance to protect yourself from potential lawsuits arising from errors, negligence, or inadequate services. This policy, also known as errors and omissions insurance, can cover legal defense costs, settlements, and judgments.
The coverage limits typically start at $1 million per claim and $2 million aggregate, but they can be customized based on your business requirements.
Negligent maintenance or inspection: If a rented ATV or UTV malfunctions or causes an accident due to negligent maintenance or inspection on the part of your business, professional liability insurance can cover claims for damages or injuries.
Inaccurate rental documentation: If your business provides inaccurate rental agreements, waivers, or contracts, resulting in disputes or legal issues with customers, professional liability insurance can help cover legal expenses and potential settlements.
No, professional liability insurance is essential for all ATV and UTV rental businesses, regardless of the number of employees. It covers claims arising from professional errors or negligence, protecting your business from financial losses from lawsuits or legal disputes. Any company that rents ATVs or UTVs should have this type of ATV and UTV rental business insurance.
Get all the best quotes from leading providers in a click of a button!
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $260,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Contents coverage limit (minimum) | $50,000 | $22,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Accounts receivable | Excluded | Excluded | $5,000/10,000 | Included | Excluded |
| Money and securities | Excluded | $2,500 | $1,000 | Included | Excluded |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Business interruption floater | Excluded | Included | Included | Included | Excluded |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Excluded |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Included | Excluded |
Protecting your physical assets is crucial when you operate an ATV or UTV rental business. Commercial property insurance covers your rental premises, equipment, and other property.
Fire and smoke damage: Commercial property insurance can cover repairs or rebuilding costs if your rental premises, vehicles, or equipment are damaged by fire or smoke.
Theft or vandalism: In the unfortunate event of theft or vandalism, commercial property insurance can provide coverage for stolen or damaged rental vehicles, equipment, or other property, minimizing your financial loss.
Natural disasters: Coverage can extend to damages caused by natural disasters such as storms, hurricanes, or earthquakes, protecting your rental business assets from destruction or damage.
The coverage limits for commercial property insurance depend on the value of your assets and can be tailored to meet your specific business needs.
Business interruption coverage: This add-on provides coverage for loss of income and additional expenses your ATV and UTV rental business may incur if it becomes temporarily inoperable due to a covered loss. It helps mitigate the financial impact of unexpected disruptions.
Equipment breakdown coverage: This add-on protects your business against the costs of repairing or replacing essential equipment, such as rental vehicles, if they break down due to mechanical or electrical failures.
Yes, commercial property insurance is still necessary even if you lease the premises for your rental business. While the property owner may insure the building, you will need this ATV rental insurance to cover your business equipment, inventory, and any improvements or alterations you’ve made to the leased space.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $260,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Contents coverage limit (minimum) | $50,000 | $22,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Accounts receivable | Excluded | Excluded | $5,000/10,000 | Included | Excluded |
| Money and securities | Excluded | $2,500 | $1,000 | Included | Excluded |
A business owner’s policy (BOP) is a comprehensive insurance package that combines general liability insurance and commercial property insurance into a single policy, providing essential coverage for your business.
Coverage limits for a BOP generally range from $1 million to $3 million, depending on your business’s size and needs.
Business property damage: If your rental premises, vehicles, or equipment suffer damage due to covered perils such as fire, theft, or vandalism, a BOP can help cover the repair or replacement costs.
Lawsuits and legal expenses: In the event of a lawsuit or legal dispute related to your ATV and UTV rental business, a BOP can provide coverage for legal fees, settlements, or judgments, protecting your business from financial strain.
Employment practices liability insurance (EPLI): EPLI provides coverage for claims related to employment practices, such as wrongful termination, discrimination, or harassment allegations brought by employees or former employees. It helps protect your business from the financial impact of such claims.
Business income extension: This add-on extends the coverage for business interruption, providing additional protection for loss of income and necessary expenses for an extended period, ensuring your business remains financially stable during an extended period of downtime.
A BOP provides essential coverage for general liability and property damage, making it a good starting point for most ATV and UTV rental businesses. However, depending on your business’s specific risks and needs, additional policies such as professional liability insurance, commercial auto insurance, or workers’ compensation insurance may be necessary for comprehensive coverage.
| NEXT | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|
| Aggregate limit | $3,000/$10,000 | $2,500/$5,000 | $15,000/$25,000 | $5,000-$10,000 |
| Covers hired and borrowed equipment? | $3,000/$10,000 | $2,500/$5,000 | No | Yes |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | Yes | Yes |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 | $0 |
Tools and equipment insurance for ATV and UTV rentals is essential for protecting your business from potential risks and financial losses. It covers the tools, machinery, and equipment used in your ATV and UTV rental operations.
Damage or loss of rental equipment: Tools and equipment insurance covers the repair or replacement costs if your rental equipment, such as trailers, ramps, or maintenance tools, is damaged, stolen, or lost due to covered perils.
Equipment malfunction or breakdown: If your rental equipment, such as winches, tow bars, or safety gear, malfunctions or breaks down during use, resulting in customer injuries or property damage, tools, and equipment insurance can provide coverage for resulting liability claims.
The limits for tools and equipment insurance can vary based on the value of your equipment, ranging from $10,000 to $100,000 or more.
Rental equipment replacement cost coverage: This add-on ensures that in the event of a covered loss, your tools and equipment are replaced with new items of similar kind and quality rather than being reimbursed based on their depreciated value.
Yes, having separate tools and equipment insurance is crucial to protect your maintenance and repair tools. While your general liability or commercial property insurance may provide some coverage, having a dedicated policy ensures comprehensive protection against theft, damage, or loss of your tools and equipment.
As an ATV and UTV rental business owner, the safety and well-being of your employees are of utmost importance. Workers compensation insurance provides coverage for medical expenses, lost wages, and rehabilitation costs if your employees are injured or become ill while performing their job duties.
Employee injuries: If one of your employees is injured while performing job-related tasks, such as vehicle maintenance, customer assistance, or equipment handling, workers compensation insurance can cover their medical expenses, including hospital visits, surgeries, medications, and rehabilitation.
Occupational illnesses: If an employee develops an occupational illness or suffers from long-term health issues due to exposure to chemicals, fumes, or other hazardous substances while working for your ATV and UTV rental business, workers compensation insurance can cover medical treatment, ongoing care, and lost wages.
The coverage limits for workers compensation insurance are typically based on state requirements and may vary depending on the number of employees and the nature of your ATV and UTV rental business.
Voluntary compensation coverage: If you have any volunteers or unpaid workers assisting with your ATV and UTV rental business, this add-on extends workers compensation coverage to them, ensuring they are protected in case of injuries or illnesses.
Return-to-work programs: This add-on focuses on assisting injured employees in their return to work by providing vocational rehabilitation, training, and support services. It aims to facilitate a smooth transition back into the workforce and minimize the impact of the injury on their earning potential.
If an employee gets injured, the first step is to ensure they receive immediate medical attention. Promptly report the incident to your ATV rental insurance provider and initiate the claims process. It’s crucial to document the details of the injury, gather any witness statements, and maintain records of medical expenses and treatments for the claim. Compliance with all reporting and documentation requirements will help ensure a smoother claims process.
Operating a fleet of ATVs and UTVs for your rental business comes with the need for comprehensive ATV rental insurance coverage. Commercial auto insurance specifically designed for ATV and UTV rentals protects your rental vehicles and covers liability for accidents or damages.
Vehicle theft or vandalism: Commercial auto insurance can protect your rental vehicles against theft, vandalism, and other forms of malicious damage. It can cover repair or replacement costs if vandals steal or damage your vehicles.
Damage to rental vehicles: If your rental vehicles suffer damage due to non-collision incidents such as fire, theft, falling objects, or severe weather, commercial auto insurance can cover the repair or replacement costs.
The limits depend on factors like your vehicle’s value and the type of coverage you choose. The limits range from $100,000 to $2 million.
Rental vehicle liability coverage: This add-on extends liability coverage to vehicles rented from other businesses or individuals. It ensures that if an accident occurs while a customer uses a rented vehicle, your insurance for ATV rental business will provide coverage for bodily injury and property damage claims.
Non-owned auto coverage: Non-owned auto coverage protects your business in the event of an accident caused by an employee using their personal vehicle for work-related purposes. It covers liability claims arising from such incidents, providing additional protection.
When choosing commercial auto insurance for your ATV and UTV rental business, several factors should be taken into account:
Risk assessment: Assess the risks associated with your business. This includes considering the terrain where the ATVs or UTVs Will be used, the age and experience level of your typical renter, and the value of your vehicle fleet.
Coverage limits: Consider the potential costs associated with accidents, property damage, or injuries, and choose a coverage limit that adequately protects your business.
Policy exclusions: Make sure to understand what is not covered under your policy. There might be certain situations or types of damage that are not covered.
Insurance provider: Choose an insurer with a solid reputation, offers good customer service, and understands the unique needs of an ATV or UTV rental business.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $43 | $516 | $0-$500 |
| Professional liability insurance | $46 | $552 | $1,000-$2,000 |
| Commercial property insurance | $70 | $840 | $1,000-$2,000 |
| Business owner’s policy | $103 | $1,236 | $1,500 |
| Tools and equipment insurance | $48 | $576 | $500-$1,000 |
| Commercial auto insurance | $50 | $600 | $500-$1,000 |
| Workers compensation insurance | $90 | $1,080 | $2,500-$5,000 |
ATV and UTV rental insurance cost is $43 per month or $516 per year for a $1 million general liability coverage. Several factors can influence the cost of insurance for ATV rental business. These factors are important considerations for insurance providers when calculating premiums. Here are the key factors that can affect the cost of these insurance types:
Coverage types: The types of coverage you choose for your ATV or UTV rental business will impact the overall cost. Common coverage types include general liability insurance, commercial property insurance, workers’ compensation insurance, commercial auto insurance, and professional liability insurance. The more comprehensive the coverage, the higher the ATV rental insurance premium is likely to be.
Coverage limits: The coverage limits you select for each type of insurance will also affect the cost. Higher coverage limits provide increased protection but may result in higher premiums. Assess your business’s needs and risks to determine appropriate coverage limits that strike a balance between protection and affordability.
Business size: The size of your ATV or UTV rental business can influence ATV rental insurance costs. Factors such as the number of ATVs or UTVs in your fleet, the size of your operation, and the number of employees can impact premiums. Larger businesses with more vehicles and higher exposure to risks may face higher insurance costs.
Location: The location of your ATV or UTV rental business plays a significant role in determining insurance premiums. Insurance companies consider factors such as the local weather conditions, crime rates, and the frequency of accidents in the area. If your business operates in an area with a higher risk of theft, vandalism, or accidents, it may result in higher insurance costs.
Claims history: Your claims history and loss experience can influence the ATV rental business insurance cost. Insurance companies consider your past claims and accidents when calculating premiums. If you have a history of frequent claims or high-value claims, it may lead to higher insurance costs. Conversely, maintaining a clean claims record can help lower premiums.
Risk assessment: Insurance providers assess the level of risk associated with your ATV or UTV rental business. They consider your safety protocols, maintenance practices, employee training, and security measures. A comprehensive risk management strategy can help mitigate risks and potentially reduce insurance costs.
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $25 | $300 | Best overall; Fastest general liability insurance for UTV and ATV rentals |
| CoverWallet | $27 | $324 | Comparing UTV and ATV rental insurance quotes online |
| The Hartford | $31 | $372 | Workers comp for UTV and ATV rentals |
| Tivly | $34 | $408 | Comparing UTV and ATV rental insurance quotes over the phone |
| Thimble | $36 | $432 | UTV and ATV businesses with seasonal or occasional rentals |
| Hiscox | $39 | $468 | Experienced service providers and technical businesses |
Get all the best quotes from leading providers in a click of a button!
When it comes to insuring your ATV and UTV rental business, it’s important to choose a reputable insurance company that specializes in providing coverage for your industry. Here are some of the top insurance companies known for offering insurance solutions tailored to ATV and UTV rental businesses. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability policy.
Best overall
Issues an online proof of insurance instantly
Fastest general liability insurance
Great customer service and reputation
Excellent rates
Outstanding value for money
Get a 10% discount if you buy two or more policies
Couldn’t find any
Founded in 2016, NEXT is a leading digital insurance provider catering to the needs of small businesses, including contractors and tradespeople. Headquartered in Palo Alto, California, NEXT Insurance has quickly established itself as a prominent player in the insurance industry with its innovative approach and commitment to simplifying the insurance buying process.
Best for: Best overall; Fastest general liability insurance for UTV and ATV rentals
Average cost: $25 per month
Our rating: 10/10
Comparing quotes from numerous carriers
Simplified application process
Wide range of coverage options
Time-saving and convenient
Some users may prefer direct dealings with an agent.
Founded with the goal of simplifying insurance for small businesses, CoverWallet is an online insurance broker that offers a seamless and hassle-free experience. With CoverWallet, you can easily compare quotes, customize policies, and manage your coverage, all through their user-friendly online interface. Their commitment to delivering efficient insurance solutions makes them a reliable choice for businesses seeking convenient and comprehensive coverage.
Best for: Comparing UTV and ATV rental insurance quotes online
Average cost: $27 per month
Our rating: 10/10
Long-standing standing and economic strength
Comprehensive coverage options
Reliable claims assistance
Extra business resources and implements
Premiums may be more elevated compared to other providers
Founded in 1810, The Hartford is a highly reputable insurance company that has been serving customers for over two centuries. With such a long and established history, Hartford has earned a strong position in the insurance industry and has become a trusted provider of specialized coverage for various businesses, including ATV and UTV rental operations.
Best for: Workers comp for UTV and ATV rentals
Average cost: $31 per month
Our rating: 10/10
Specialized coverage for outdoor and recreational businesses
Comprehensive protection for property damage and liability claims
Industry-specific expertise
Personalized customer support
Limited availability in certain regions
Tivly specializes in insurance coverage for outdoor and recreational businesses, making them an ideal choice for ATV and UTV rental companies. They deeply understand the unique risks associated with these industries and offer tailored coverage options to address those needs. Tivly’s policies protect against property damage, liability claims, and other potential incidents during ATV and UTV rentals. With their expertise and commitment to serving outdoor businesses, Tivly provides reliable coverage and support. Call now to compare quotes over the phone.
Best for: Comparing UTV and ATV rental insurance quotes over the phone
Average cost: $34 per month
Our rating: 9/10
On-demand coverage for flexible rental durations
Comprehensive protection for property damage and liability claims
User-friendly app for policy customization and management
Affordable pricing options
Coverage alternatives may be limited for specific industries.
Thimble offers on-demand insurance coverage, providing flexibility for businesses with seasonal or occasional rentals, such as ATV and UTV rental operations. With Thimble, you can obtain coverage for specific durations, whether it’s an hour, day, or month, making it ideal for businesses with varying rental needs.
Best for: UTV and ATV businesses with seasonal or occasional rentals
Average cost: $36 per month
Our rating: 9/10
Customized coverage options for small businesses
High coverage limits available
Comprehensive protection against property damage and liability claims
Excellent customer service
Premiums may be higher for certain professions or high-risk industries
Hiscox is a reputable insurance company that offers customized coverage solutions for small businesses. They provide comprehensive policies to protect against property damage, liability claims, and other specific risks ATV and UTV rental businesses face. With their strong financial standing and commitment to customer service, Hiscox is a reliable choice for businesses seeking reliable and customized insurance solutions.
Best for: Experienced service providers and technical businesses
Average cost: $39 per month
Our rating: 9/10
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
Not all those who wander are lost.
Disclosure: Insuranks.com is an independent educational comparison service and an advertising-supported publisher. Some of the companies/offers that appear on the website are from our partners which we may receive compensation from. This may influence which companies/offers we write about and where and how it appears on the site. However, this does not impact our assessments. We solely highlight companies, products, and offers that can help you make smarter insurance decisions.
