Updated September 28, 2026 · AssureCue Editorial Team
ERGO NEXT vs Hiscox UK
What sets them apart
| Compare |  ERGO NEXT |  Hiscox UK |
|---|---|---|
| Cover types | Public liability, Professional indemnity, Property | Public liability, Professional indemnity, Employers liability, Cyber |
| Indemnity limit | $1,000,000 | £10,000,000 |
| Premium from | $19 | £5.20 |
| Industries | 1,300+ professions including construction, retail, cleaning and food and beverage | IT, consultancy, trades, retail, freelancers and sole traders |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Hiscox UK scores higher overall: 9.5 vs 9.1.
- Cover types: only ERGO NEXT offers Property.
- Cover types: only Hiscox UK offers Employers liability, Cyber.
- Support channels: only Hiscox UK offers Phone.
Our verdict on each
ERGO NEXT
ERGO NEXT is a US insurer selling business cover to small trades in a wide range of professions, with premiums from $19 and monthly payments available. It suits trades buying cover online rather than through a broker, with lines running public liability, professional indemnity and property and an indemnity limit of $1,000,000.
Hiscox UK
Hiscox UK suits small businesses, sole traders and freelancers who want an insurer with a high indemnity limit at a low entry price. It sits first of 11 on indemnity limit and second of 14 on premium from, with business cover priced from £5.20 a month.
Score breakdown
| Area | ERGO NEXT | Hiscox UK |
|---|---|---|
| Cost | 9.0 | 9.5HigherPremium from £5.20 ranks 2 of 14 and sits under the site median of €8.37. |
| Offer | 8.3Lines run public liability, professional indemnity and property with an indemnity limit of $1,000,000, under the site median €3,486,547.74. | 9.4HigherIndemnity limit of £10,000,000 ranks 1 of 11, above the median of €3,486,547.74. |
| Trust | 9.7 | 9.7 |
Where each is licensed and available
Additional countries for ERGO NEXT: 1. Additional countries for Hiscox UK: 1.
Feature by feature
| Cover types | ERGO NEXT | Hiscox UK |
|---|---|---|
| Public liability | Yes | Yes |
| Professional indemnity | Yes | Yes |
| Employers liability | No | Yes |
| Cyber | No | Yes |
| Property | Yes | No |
Sources behind this comparison
ERGO NEXT
- nextinsurance.com: 8 facts, checked September 26, 2026
Hiscox UK
- hiscox.co.uk: 9 facts, checked September 26, 2026
How they place
| Ranking | ERGO NEXT | Hiscox UK |
|---|---|---|
| Business insurance | 15 of 150 | 30 of 150 |
| Professional indemnity and liability insurance | 4 of 38 | 10 of 38 |
| Public liability insurance | 6 of 51 | 10 of 51 |
Every fact side by side
| Fact | ERGO NEXT | Hiscox UK |
|---|---|---|
| Legal entity | Not confirmed | Hiscox Underwriting Ltd |
| Headquarters | United States | United Kingdom |
| Support channels | Help centre | Phone, Help centreCovers more |
Personal insurance
| Fact | ERGO NEXT | Hiscox UK |
|---|---|---|
| Insurance types | Not confirmed | Home, Renters, Landlord, Auto, Home emergency |
| Cover limit | Not confirmed | GBP 100,000 |
| Claims channels | Not confirmed | Phone, Online, Post |
Pros and cons
ERGO NEXT
Pros
- Premiums from $19 with monthly payments available, so cash flow is easier to plan.
- Cover runs public liability, professional indemnity and property, so public liability, professional indemnity and property can sit in one policy.
- An insurer, not a broker or comparison service, so the policy is arranged with the company carrying the risk.
Cons
- Support runs on help centre only, with no phone or live chat route listed.
- The indemnity limit of $1,000,000 sits below the site median €3,486,547.74, so a large claim could reach the cap.
- The lines end at public liability, professional indemnity and property, leaving employers' liability and cyber elsewhere; Hiscox UK carries them in public liability, professional indemnity and employers liability.
Hiscox UK
Pros
- Indemnity limits of £10,000,000 rank first of 11 brands on our data, well above the site median of €3,486,547.74.
- Business lines cover public liability, professional indemnity, employers liability and cyber, so several core covers sit with one insurer.
- Premium from £5.20 sits below the site median of €8.37, and Hiscox UK ranks 2 of 14 on entry price.
Cons
- Support runs on phone and help centre only, so a help centre and phone line are the listed ways to reach the team.
- Business cover is limited to public liability, professional indemnity and employers liability, with no property business line among the listed lines.
- The entry premium is a starting figure, and business insurance premium from £5.20 sits under a category spread running to €3,431.08.
Who each suits
ERGO NEXT
Who it suits
- Small trades in the US that need public liability or professional indemnity next to property cover.
- Owners who prefer buying and paying monthly with no broker in the middle.
- Construction, retail, cleaning and food and beverage businesses, all named in the policy range.
Who should look elsewhere
- Anyone after employers' liability or cyber cover, where Hiscox UK is a closer fit with public liability, professional indemnity and employers liability.
- Buyers who want a broker to place the cover, since WeddingPlan Insurance operates as a broker.
- Shoppers who prefer comparing several providers at once, as EverQuote does as a comparison site.
Hiscox UK
Who it suits
- IT companies, consultancies and trades that need a high indemnity limit on professional indemnity
- Freelancers and sole traders buying their first business policy
- Businesses wanting public liability, employers liability and cyber from one insurer
Who should look elsewhere
- Buyers who want a broker to shop the whole market for them, such as broker
- Buyers needing property business cover, which sits outside public liability, professional indemnity and employers liability
- Personal only shoppers, as the listed cover centres on business lines in public liability, professional indemnity and employers liability
Country by country
| Country | ERGO NEXT | Hiscox UK |
|---|---|---|
| United Kingdom | No | Yes |
| United States | Yes | No |
Questions about each
ERGO NEXT
How much does ERGO NEXT cost?+
Premiums start at $19 a month, and most businesses on the site pay monthly rather than in one go. The starting figure sits above the site median €8.37, so expect the quote to move with trade, staff numbers and cover level.
Can I pay monthly?+
Yes. Monthly payments are available on ERGO NEXT policies, so a small business can spread the cost instead of paying a year up front. It is common across the brands listed here too, with 88.9% offering monthly billing.
Hiscox UK
How much does business insurance cost at Hiscox UK?+
Business cover starts at £5.20 a month with monthly payments available. That entry figure sits below the site median of €8.37 and under the business insurance median of €8.37. Your own price depends on the cover, the limit and the trade.
What is the highest indemnity limit offered?+
Professional indemnity cover reaches £10,000,000. That ranks Hiscox UK 1 of 11 brands on our data, and the site median for the same limit is €3,486,547.74. Higher limits usually cost more, so pair the figure with the premium.
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