Huckleberry complaints & claims record
Updated June 2026 · huckleberry.com
Scorecard
| NAIC complaint index | – N/A — MGANo index of its own — Huckleberry is an agency |
|---|---|
| AM Best | None of its own (it's an agency). Underwriting carriers: Markel A (Excellent), affirmed Nov 2025; Berkshire Hathaway GUARD A+ (Superior) but on a negative outlook (Aug 2025) after 2023–25 underwriting losses and reserve strengthening. |
| Trustpilot | 4.4 / 5 (332 reviews (June 2026 snapshot)) |
| BBB | No verifiable BBB profile |
| Founded | 2017 (San Francisco; co-founder Bryan O'Connell) |
| Ownership | Independent insurtech; ~$22M raised, led by an $18M Series A from Tribe Capital (Dec 2019). No verified funding or leadership developments since 2021. |
| Who holds the paper | A digital agency / MGA — not a carrier. Policies are underwritten by partner carriers: Markel (commercial BOP/GL) and Berkshire Hathaway GUARD (workers' comp / BOP), per the carriers' published reviews. The claims experience and complaint record belong to those carriers, not Huckleberry. |
| Pricing | Quote-based; state pages advertise 'as low as' figures (e.g. general liability from roughly $21–33/mo depending on state). Marketing figures, not guaranteed quotes. |
| Availability | 46 states; not available in the four monopolistic workers' comp states — North Dakota, Ohio, Washington and Wyoming. |
The claims verdict
Judge the carriers. Huckleberry is an agency that places you with Markel (A) or Berkshire Hathaway GUARD (A+, but on a negative AM Best outlook as of Aug 2025) — so claims-paying capacity is strong, and Huckleberry has no complaint index of its own. Its own Trustpilot is genuinely good (4.4/5 across 332 reviews), heavy on praise for fast quotes and instant COIs, with the usual digital-insurer gripes about reaching a human and renewal surprises. A solid pick for speed and price on simple coverage — just confirm which carrier you're placed with and check that carrier's complaint record.
Huckleberry & the NAIC complaint index
Huckleberry doesn't underwrite, so it has no NAIC complaint index. The complaint record belongs to its carriers — Markel (A) and Berkshire Hathaway GUARD (A+, but on a negative outlook). Pull those carriers' indices for the real claims signal; assigning an index to the agency itself is a category error.
Source: AM Best (Markel affirmed 2025-11-21; BH GUARD Aug 2025); carrier reviews, June 2026
What customers report
Themes paraphrased from Trustpilot (4.4 / 5, 332 reviews (June 2026 snapshot)) and BBB (No verifiable BBB profile) — not verbatim quotes. No clean BBB profile for Huckleberry the agency could be verified (June 2026); listings under the name are unrelated entities. Judge the underwriting carriers' records instead.
What they love
- Fast, simple online quote-and-buy — a policy in minutes
- Instant certificates of insurance, easy to generate and share
- Affordable, competitive rates for small businesses
- Individual reps praised as knowledgeable and helpful when reached
The gripes
- Customer service / communication described as poor by detractors — hard to reach a person
- Slow response times to inquiries
- Renewal handling — customers not contacted before the term ends
- Steep renewal rate increases (one reviewer cited a ~$45k workers' comp jump — a single anecdote)
What practitioners say
Recurring themes from small-business communities and forums, paraphrased:
- No substantive Reddit threads surfaced — practitioner sentiment is thin
- Aggregator reviews split between praise for speed and complaints about post-sale service (anecdote)
Best for
Very small businesses and sole proprietors wanting fast, fully-online BOP/GL/workers' comp with instant certificates — especially simple, low-risk classes (retail, food, professional services).
Look elsewhere if
Businesses needing hands-on broker advice or complex coverage, anyone in ND/OH/WA/WY (not served), or buyers who want a single accountable insurer relationship rather than an agency placement.
Coverage offered
- Business owner's policy (BOP)
- General liability
- Workers' compensation
- Commercial auto
- Professional liability / E&O
- Cyber
- Umbrella
- Liquor liability
- Employment practices liability (EPLI)
- Equipment breakdown
Scale & who uses them
~$22M raised (an $18M Series A led by Tribe Capital, Dec 2019); a Berkshire Hathaway GUARD carrier partnership added March 2021. Customer and premium counts not publicly disclosed.
Decided Huckleberry fits?
Quotes happen on the insurer's own site — we never collect your details.
Get a quote at huckleberry.com ↗Disclosure: some links to insurers may be affiliate links — if you get a quote through them we may earn a commission, at no cost to you. That never changes the data: complaint figures, ratings and review themes are reported as published, sources cited and dated. We are not an insurance agent or broker, and nothing here is advice. How we score
Sources
- https://www.nerdwallet.com/article/small-business/huckleberry-business-insurance-review
- https://techcrunch.com/2021/03/23/huckleberry-offering-insurance-to-smbs-partners-with-berkshire-hathaway
- https://techcrunch.com/2019/12/18/huckleberry-raises-18m-to-put-small-business-insurance-online/
- https://ratings.ambest.com/companyprofile.aspx?ambnum=2699
- https://www.guard.com/blog/2025/08/14/bh-guards-credit-rating-affirmed-a-superior-by-am-best/
- https://www.trustpilot.com/review/huckleberry.com
Review figures reflect snapshots taken June 2026 and change over time. NAIC complaint data is published by the National Association of Insurance Commissioners' Consumer Information Source; index values cited as facts with attribution. Conclusions are our editorial opinion based on the data disclosed above.