Provider reviews
Know who you’re
buying from.
What each insurer and marketplace sells, who actually issues the policy, how buying works and who it suits. Facts from their own published information, never ratings.
Provider profiles
8biBERK
- What it is
- Berkshire Hathaway’s direct online small business insurer, founded in 2015
- Lines
- Workers’ comp, general and professional liability, BOP, commercial auto, umbrella and cyber
- How you buy
- All 50 states as of October 2026, online and by phone, with no agent or broker
- What it is
- Commercial trucking managing general agent (MGA), not an insurance company
- Lines
- Auto liability, physical damage, cargo, truckers general liability and non-trucking liability
- How you buy
- Only through licensed agents and brokers; 46 states as of its July 2025 announcement
- What it is
- Commercial auto and truck insurance from GEICO, a Berkshire Hathaway subsidiary
- Lines
- Commercial auto and truck; BOP, liability, cyber and workers’ comp through GEICO Insurance Agency
- How you buy
- Mainly direct online and by phone; trucks also through independent agencies
- What it is
- US small business arm of Hiscox Group, a specialist insurer listed in London and based in Bermuda
- Lines
- General liability, professional liability, BOP and cyber; workers’ comp and auto through other insurers
- How you buy
- 49 states plus DC, not Alaska, as of October 2026; online, by phone and through agents and brokers
- What it is
- Small business insurer and licensed agency, trading as ERGO NEXT Insurance since its 2025 acquisition
- Lines
- General liability, workers’ comp, BOP, professional liability, commercial property and tools
- How you buy
- Online, through appointed agents and partner platforms; not available in all states
- What it is
- Commercial Lines unit of The Progressive Corporation, an Ohio insurance holding company
- Lines
- Commercial auto and truck, BOP, general liability, professional liability, workers’ comp and cyber
- How you buy
- Commercial auto in all states except DC, online, by phone and through independent agents
- What it is
- Mutual insurance group; State Farm Mutual Automobile Insurance Company is the parent
- Lines
- BOP, commercial auto, contractors, workers fffd comp, umbrella, E&O, EPLI
- How you buy
- Through a State Farm agent; BOP and commercial auto quotes can start online
- What it is
- Small business unit of The Hartford Insurance Group, Inc. (NYSE: HIG), an insurance holding company
- Lines
- Workers’ comp, Spectrum BOP, general liability, commercial auto, professional liability and cyber
- How you buy
- Online, by phone and through independent agents, brokers, payroll firms and affinity groups
Comparisons
3NEXTvsHiscoxNEXT vs Hiscox for small business insurance: who issues each policy, the lines each sells, how buying and claims work and where auto and workers’ comp go.Progressive CommercialvsCover WhaleProgressive Commercial vs Cover Whale for trucking: who issues each policy, how you buy, fleet limits, coverages, filings and claims, from their own sites.Progressive CommercialvsGEICOProgressive Commercial vs GEICO commercial auto: who underwrites each policy, how you buy, truck programs, filings, telematics and published prices.
Florin is an independent brokerage. These pages describe each provider from its own published information and filings as of the date shown on each page; they are not endorsements or ratings, and Florin is not affiliated with the providers described unless a page says so.