9 insurersFigures checked 2026-10-26
ERGO NEXT vs Hiscox: published business insurance prices
Side by side from each company’s own published numbers. Every figure keeps its label: a starting price, a customer median or average, or a sample quote are different things.
We are not an insurance agent. Prices are what each company publishes; your quote will differ. Premiums depend on your trade, state, payroll, limits, deductible, vehicles and claims history. We never produce quotes.
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Lowest published general liability starting price of the 2: ERGO NEXT From$19/moSource Starting prices are the cheapest policy each insurer sells, not what a typical crew pays; compare the medians and averages in the table, and get quotes from each.
| ERGO NEXT | Hiscox | |
|---|---|---|
| General liability | From$19/moSourceAveragePublished by profession only: see GL cost by tradeERGO NEXT customers by profession · Source | From$30/moLimits $300,000 to $2,000,000 · Source |
| Workers’ comp | From$14/moSource | Quote only |
| Commercial auto | Quote onlySource | Quote only |
| Business owner’s policy (BOP) | Not on the pages we checked | Sample quoteSample quotes only (see below)Source |
| GL + tools & equipment bundle | From$38/moSource | Not on the pages we checked |
| Type | Direct insurer (sells online) | Direct insurer (sells online) |
| States | Not stated on pages checked | 49 states + DC (not Alaska) |
| Limits | Not published | GL $300,000 to $2,000,000; medical expenses up to $5,000/person |
| Deductibles | Not published | Not published |
| Trades it lists | general, handyman, electrical, cleaning | None named on pages checked |
| Also notable | Buy online in about 10 min; free unlimited COIs; 4.7/5 (5,056 reviews) on own site. GL customer distribution: 12% <$25/mo, 33% $25-45, 19% $45-75, 10% $75-100, 28% >=$100. | Monthly pay with no extra fee; bundle discount up to 5%. |
| Visit | Visit ERGO NEXTERGO NEXT pricing page | Visit HiscoxHiscox pricing page |
Published sample quotes
Hiscox samples are for consultants, not trades. Each sample is one business in one state with the limits and deductible shown. Yours will differ.
| Insurer | Business | State | Limits | Deductible | Sample quote | Kind / date |
|---|---|---|---|---|---|---|
| HiscoxGeneral liability | IT consultant | CA | $500k/$2M | $0 | Sample quote$29.17/mo$350/yr | Illustrative (as published; page checked 2026-10-26)Source |
| HiscoxGeneral liability | Business consultant | TX | $1M/$2M | $0 | Sample quote$29.17/mo$350/yr | Illustrative (as published; page checked 2026-10-26)Source |
| HiscoxBusiness owner’s policy (BOP) | IT consultant | CA | $1M/$2M | $500 | Sample quote$41.67/mo$500/yr | Illustrative (as published; page checked 2026-10-26)Source |
| HiscoxBusiness owner’s policy (BOP) | Business consultant | MA | $1M/$2M | $1,000 | Sample quote$63.50/mo$762/yr | Illustrative (as published; page checked 2026-10-26)Source |
Caveats in the published data
- ERGO NEXT: GL cost page FAQ says consultants average 'about $50 per month' but its table says $35
- ERGO NEXT: Commercial auto price not published (Progressive partner)
- Hiscox: No trade-specific prices published on pages checked
More business insurance costs
- Business insurance hub
- General liability cost by trade
- Workers’ comp cost
- Commercial auto cost
- Tools & equipment + BOP vs GL
- Handyman insurance cost
- Cleaning business insurance cost
- Landscaping insurance cost
- Hiscox vs biBERK (+ NEXT)
- NEXT vs Thimble vs Simply Business
All figures from each company’s own pages, checked 2026-10-26. We are not an insurance agent and do not sell or recommend coverage; check what your state and your clients require. How we check prices