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Last updated: July 2026. Disclosure: our content isn’t financial or insurance advice – do your own due diligence before buying a policy. Some links below are affiliate links; if you get a quote through them we may earn a commission at no extra cost to you. This doesn’t affect our assessment.
InsuranceBee is a specialist that does one thing and aims to do it well: make professional liability (errors & omissions) and general liability easy to buy for solo professionals and microbusinesses. Think consultants, IT contractors, accountants, coaches, and creatives – the people whose “office” is often a laptop and whose biggest exposure is a client claiming their work caused a loss.
Founded in 2010 and based in Maynard, Massachusetts, InsuranceBee is the American sibling of the UK’s PolicyBee, both created by insurance entrepreneur Iain Hatfield. Importantly, InsuranceBee is a broker, not a carrier – its policies are underwritten by Hiscox, an insurer rated A (Excellent) by AM Best. This review covers what InsuranceBee offers, what it costs, how it’s rated, and who it fits – plus one important caveat about its current activity level.
Professional liability made simple
InsuranceBee focuses on E&O and general liability for consultants, contractors, and microbusinesses – placing your cover with A-rated Hiscox paper. You can start a quote online in a few minutes.
Start an InsuranceBee Quote →Quick company snapshot
| Company | InsuranceBee, Inc. (independent insurance broker) |
|---|---|
| Founded | 2010 |
| Headquarters | Maynard, Massachusetts |
| Corporate family | US sibling of PolicyBee (UK); founded by Iain Hatfield |
| Underwritten by | Hiscox – AM Best A (Excellent) |
| Coverage types | Professional liability (E&O), general liability, BOP, cyber, workers’ comp, D&O, management liability |
| Professions served | 180+ |
| Starting price | Professional liability sample quotes from ~$36.75/month |
| Availability | Roughly 39 states plus DC (not available in a number of low-population states) |
| Ratings | BBB A+ (not accredited); historically strong Feefo reviews; small Google sample ~4.2/5 |
| Website | www.insurancebee.com |
InsuranceBee at a glance
InsuranceBee’s value is specialization plus strong paper. As a broker it doesn’t carry the risk itself – it arranges your cover with Hiscox, one of the most established professional-liability insurers in the US. That gives a small, niche brand the financial strength of an A-rated carrier behind every policy. Its focus on 180+ professions means it can often place cover for harder-to-quote or specialized roles that a generic quote engine turns away.
Because InsuranceBee runs on Hiscox paper, it’s worth understanding both sides of that relationship. If you value a specialist broker who’ll help place your cover, InsuranceBee is a sensible route; if you’d rather buy directly from the carrier, our Hiscox review covers the same underlying coverage bought first-hand. Either way, both appear alongside the broader field in our guide to the top business insurance companies in America.
Pros & cons
| ✅ What works in InsuranceBee’s favor | ❌ Where InsuranceBee falls short |
|---|---|
| Backed by Hiscox, an AM Best A (Excellent) carrier | It’s a broker, not the insurer – claims are handled by Hiscox |
| Genuine E&O / professional-liability specialist for microbusinesses | Limited online self-service; some steps may require a phone call |
| Covers 180+ professions, including harder-to-place roles | Small team; reviewers report slower certificate turnaround |
| Low entry pricing on professional liability | Not available in all states (~39 + DC) |
| Strong historical customer satisfaction and A+ BBB rating | Underwriter isn’t named on customer-facing pages |
| Broad coverage menu for a niche broker | Appears to be a quieter, lower-activity operation lately (see note below) |
Coverage and products
Despite its niche positioning, InsuranceBee offers a fairly broad menu: professional liability (E&O), general liability, a Business Owner’s Policy, cyber liability, workers’ compensation, and even directors & officers (D&O) and management liability. The clear specialty, though, is professional liability for advice- and service-based businesses – the coverage many consultants and freelancers neglect until a client contract demands it.
If you’re a one-person business weighing your options, our guide to the best sole proprietor insurance policies is a useful companion read.
How much does InsuranceBee cost?
InsuranceBee’s own sample professional-liability quotes start around $36.75 a month for an IT consultant and rise to roughly $65 a month for a higher-limit business consultant – in line with what you’d expect from Hiscox-backed cover. As always, your actual price depends on your profession, revenue, coverage limits, deductible, and state, and the quoted monthly figure may not include an initial down payment.
Because the underlying paper is Hiscox, it’s genuinely worth pulling a direct Hiscox quote as a price check – the two can differ, and comparing takes only a few minutes. For property-focused businesses, also compare specialists in our list of hazard insurance companies for small business.
Customer experience and ratings
Historically, InsuranceBee earned strong marks: it accumulated more than 2,200 reviews on Feefo and won a Platinum Trusted Service Award in 2023, and it holds an A+ rating with the BBB (though it isn’t BBB-accredited). A small sample of Google reviews sits around 4.2/5. Buyers who’ve used it generally praise the personal, specialist help – a real contrast to fully automated quote engines.
The flip side of “small and personal” is limited self-service and a small team, so some customers report that quotes or certificates can take longer than with a big self-serve platform, and not everything can be completed online.
Who InsuranceBee is best suited for
Worth a closer look if you are:
- A solo professional or microbusiness whose main need is affordable professional liability (E&O)
- In a specialized or harder-to-quote profession that generic engines struggle with
- Someone who values a specialist broker’s help placing cover, backed by A-rated Hiscox paper
Consider alternatives if you are:
- Set on a fully instant, self-service quote-buy-and-manage experience
- Located in one of the states InsuranceBee doesn’t cover
- In need of fast certificate-of-insurance turnaround
- More comfortable buying the same coverage directly from the carrier (Hiscox) or a larger digital insurer
Compare before you commit
Since InsuranceBee places cover with Hiscox, the smart move is to compare both. Start an InsuranceBee quote, then price the same coverage directly with Hiscox – both take just a few minutes.
Read Our Hiscox Review →Final verdict
InsuranceBee is a genuine professional-liability specialist with a real advantage: it places your cover with Hiscox, an A (Excellent)-rated carrier, while offering the hands-on help of a niche broker. For a consultant or microbusiness in a specialized field – especially one a generic quote engine can’t handle – that combination can be exactly right.
The honest caveats are its limited self-service, narrower state availability, and signs that it’s a quieter operation in 2026. Before relying on it, confirm it’s actively quoting your profession and state – and because the underlying coverage is Hiscox, compare a direct Hiscox quote as well. For the full picture, see where both land in our business insurance companies guide.
Affiliate disclosure: some links on this page are affiliate links marked nofollow, and Sophisticated Investor may earn a commission at no additional cost to you if you get a quote or buy a policy through them. This does not influence our editorial assessment. Figures and ratings (including AM Best ratings and pricing) are accurate to the best of our knowledge as of July 2026 and may change. This article is for informational purposes only and is not insurance or financial advice.
