Huckleberry Insurance - Customer Support

Certificates and Documents

Cancellations

Endorsements

Audits

Certificates (COI) and Documents

How do I get a Certificate of Insurance (COI)?

It’s easy! Go to www.huckleberry.com/certificate and follow the instructions to get a certificate.

Can I request more than one certificate?

Yes! You can generate unlimited copies at www.huckleberry.com/certificate.

How do I add a certificate holder to my COI?

Go to www.huckleberry.com/certificate and follow the instructions to add a certificate holder on each COI generated.

How do I list an additional insured on the certificate for my general liability policy?

If you included additional insureds on your coverage already, the COI you generate will reflect this. If you need to add additional insureds and the description of operations as a result, please submit a request via the chat below. We will then review your requirements and assist with producing a compliant certificate.

How do I list an additional insured on the certificate for my workers' compensation policy?

Additional insured provisions apply to liability policies only and do not extend to workers' compensation. If your vendor or landlord is asking to be listed as an additional insured on a workers' compensation policy, they are likely asking to be listed as a certificate holder on the COI.

Learn how to add certificate holders to your COI.

I need a certificate, and the COI link isn’t working. Can you help?

Of course! First, check that you are up to date on payments and have signed the necessary documents. If the link still doesn’t work, please chat with us. This is the fastest path to getting a COI.

Where can I get copies of my policy documents?

When you first purchased your policy, you should have received an email with policy documents attached. If you can’t find this email, please submit a request for new copies via chat.

How can I add a waiver of subrogation to my COI?

If you previously added a waiver of subrogation to your policy, it will appear on the COI you generate. If you need to add a waiver to your policy, please submit a request via our online chat. A waiver of subrogation is a contractual provision, and adding it to your policy will affect your coverage and premium.

Learn more about waivers of subrogation here.

How do I get a copy of my “loss history” or “loss runs?”

A loss history or loss run is a record of claims during your policy term. We are more than happy to provide current and past policyholders with copies of their loss runs. Please submit a request via chat, and an agent will assist you.

Cancellations

I want to cancel my policy. How can I do this?

Please submit a request over chat, and include a reason for cancellation. Once your request is reviewed, our team will email a cancellation form, which requires your electronic signature to complete the cancellation.

Can I cancel at any time?

No, Huckleberry only issues 12-month insurance policies. If you cancel before the policy renewal date, you may be liable for some of the remaining premium, according to the terms of your policy. In some cases, the insured will not be held liable for the remaining premium (for example, if the business shuts down).

I have a workers' compensation policy; what happens after I cancel?

Your insurance company will contact you to complete a payroll audit. The audit includes completing a form by mail or email, which is required by law. You may incur additional charges or penalties if you don’t complete the audit. In the audit, the insurance company will review your business’s payroll during the policy term and determine if you paid too much (and are owed a refund) or too little (and owe a bit in additional premium).

I canceled my workers’ compensation policy. Will I get a refund?

Your policy will undergo a payroll audit upon cancellation. If you paid too much compared to your audited premium, you might be owed a refund. Conversely, if you paid too little, you may owe a bit of additional premium.

Any refunds will be issued by the insurance company directly, either back to the original payment method or via a check sent to the policyholder’s mailing address.

My policy was canceled, but I still wanted the coverage. Can it be reinstated?

Most of our partner insurance carriers will not reinstate a policy after 30 days from cancellation. It is ultimately the carrier's decision whether a policy is approved for reinstatement. Please contact us to discuss alternate insurance coverage if your account is not approved for reinstatement.

Most reinstatement requests will require you to pay any past-due balances.

Policy Updates/Endorsements

My company payroll has changed (e.g., I hired/removed employees). What do I need to do?

You have 2 options:

1) Update the payroll on your policy at any time during your policy term, and we will adjust your premium accordingly. To submit a request, please reach out to us via the chat below.
‍
2) Report your updated payroll during the audit process at the end of your policy term. You’ll either be refunded for premium overpaid or owe a bit more at that time, depending on whether your business's payroll was higher or lower than estimated.

How do I update my policy information? My business details are incorrect.

Please submit a request over chat to update your business info, and our team will make the required updates. We will follow up with a confirmation once this is processed.

My policy requirements have changed. How can I amend my coverage?

Changes to your coverage will need to be handled by one of our support agents. Please contact us so we can assist you!

How long do policy updates/endorsements take to process?

Policy updates typically take 3 to 5 business days for processing through the insurance provider, but this can vary depending on the nature of the request and request volume. It is important to plan ahead if you have a strict deadline for submitting your proof of coverage to a vendor.

How do I add a waiver of subrogation to my current policy?

Please submit a request via our online chat. Once we receive it, we will contact you to discuss options. Policy updates will likely result in changes to your premium.

Audits

I’m being contacted about an audit. What is this about?

Workers' compensation audits are conducted at the end of each policy period, even post-cancellation. These audits are required by law. An audit is one way to reconcile your estimated payroll at the beginning of your policy period with the actual payroll paid out to your employees during the full policy term. If your payroll was lower than estimated and you overpaid for your policy, you could be eligible for a refund from the insurance company. Alternatively, if your payroll was substantially higher than anticipated, you may owe a bit in premium. Non-compliance with the insurance company’s request for audit information could lead to additional fees.

I have questions about the audit; who should I contact?

While Huckleberry insurance agents are more than happy to assist you with audit inquiries, we recommend you work directly with your insurance company or assigned auditor; they are best suited to answer your questions.

You can find audit support for our partner insurance carriers below.

Carrier

Phone number

Markel

888-500-3344

Chubb

833-550-9660

Hartford

866-467-8730

Employers

888-682-6671

Guard

800-673-2465

Hiscox

866-739-0727

Amtrust

877-528-7878

I don’t understand my audit result. Will you help me?

Yes! If you would like more information on your audit result (or want to talk it over with one of our agents), we are more than happy to assist.

Billing

How do I update my billing information?

First, determine whether you are being billed directly by the carrier or Huckleberry (you pay Huckleberry via Stripe).

If billing is handled through your insurance company directly, please reference the below list for your designated carrier’s contact information.

If you pay Huckleberry directly for your policy, chat with us; we'd be happy to help.

Carrier

Contact info

Markel

888-500-3344

https://account.markel.com/

Chubb

833-550-9660

https://commercialservice.chubb.com/

Hartford

866-467-8730

https://account.thehartford.com/

Employers

888-682-6671

https://login.employers.com/

Guard

800-673-2465

https://www.guard.com/policyholders/

Hiscox

866-739-0727

https://www.hiscox.com/manage-your-policy

Amtrust

877-528-7878

https://amtrustfinancial.com/login

Claims

How do I file a claim?

Claims are filed directly with your insurance company. Please see below for the Claims Department contact information for each carrier partner to submit your claim.

Carrier

Contact info

Markel

800-362-7535

https://www.markelinsurance.com/file-a-claim

Chubb

800-252-4670

https://claimshub.chubb.com/fnol

Hartford

800-327-3636

https://www.thehartford.com/claims

Employers

855-365-6010 or 888-682-6671 for non-injured employees

Guard

888-639-2567

https://www.guard.com/claims/

Hiscox

866-424-8508

https://quote.hiscox.com/portalserver/report-a-claim/

Amtrust

866-272-9267

https://amtrustfinancial.com/claims

What is the status of my claim?

Since claims are handled by an insurance company’s Claims Department directly, your best point of contact for checking on claim status is your insurance company. Please see above for their Claims Department contact information.

Renewals

How long is my policy term?

Policy terms are for one year. Your policy effective date is the day your coverage started. Your policy expiration date is one calendar year after that. We do not issue policies for longer or shorter terms than one year, but if you want to cancel your coverage, please see Cancellations.

When does my policy renew?

Your policy renews at the end of your one-year term. You will receive outreach from Huckleberry and your insurance company in the weeks leading up to your policy renewal. This correspondence will include any updates to your premium (if applicable) and instructions for making payment and securing renewal coverage.

I don’t want to renew my policy. What should I do?

The business owner must electronically sign a Lost Policy Release (LPR) Cancellation form to process a non-renewal of coverage. Please see Cancellations for more information.

How do I pay for my policy renewal?

Huckleberry will notify you by email before your policy renewal date with relevant details relating to your renewal. In these emails, you will also find instructions for logging into your insurance company’s online portal and making payments.

Needing New or Additional Coverage

I’m looking for a new policy or to add another type of small business insurance through Huckleberry. Can you assist me?

Our licensed agents would be more than happy to assist with a quote. Please submit a request with a good time to call you, and we will get back to you!
‍
If you are shopping for workers' compensation insurance, general liability insurance, or a Business Owner’s Policy, you can easily complete an application and get an insurance quote online using this link: https://app.huckleberry.com/apply.

How can we help?

Certificates (COI) and Documents

Cancellations

Policy Updates/Endorsements

Audits

Billing

Claims

Renewals

Needing New or Additional Coverage

Have a question?

Submit a request

How can we help?

Certificates (COI) and Documents

Cancellations

Policy Updates/Endorsements

Audits

Billing

Claims

Renewals

Needing New or Additional Coverage

Have a question?