biBerk Insurance Services
biBerk provides direct-to-small-business commercial insurance with fast online quoting, binding, and policy management, backed by the Berkshire Hathaway Insurance Group and marketed as up to 20% less than competitors.
biBerk Insurance ServicesSolution Highlights
Products
Business Owners Policy (BOP)
Combines general liability and commercial property coverage; can include business income/interruption coverage and can be customized with endorsements.
Property coverage
Liability coverage
Business interruption
Pricing
Commercial Auto Insurance
Covers business-owned/leased vehicles for liability, medical payments/PIP, uninsured/underinsured motorist, comprehensive, and collision; supports many vehicle types including trucks, vans, trailers, and specialty vehicles.
Liability coverage
Physical damage
Trailer coverage rules
Pricing
General Liability Insurance
Protects against non-employee bodily injury, third-party property damage, product liability, and personal/advertising injury (libel, slander, copyright infringement).
Online purchase
Certificate of Insurance
Endorsements
Pricing
Professional Liability Insurance (E&O)
Errors & omissions coverage for alleged or actual mistakes, negligence, or failures to perform professional services; includes defense costs and may cover punitive damages where permitted by law.
Defense costs
Groundless claims
Retroactive date
Pricing
Umbrella Insurance
Excess liability coverage that applies when underlying liability policy limits are reached; issued in $1M increments and available with existing biBerk liability policies.
Excess liability
$1M increments
Underlying required
Pricing
Workers’ Compensation Insurance
Workers’ comp coverage for employee medical care and lost wages from work-related injuries/illnesses; includes employer liability and supports compliance with state requirements.
Online quoting
Instant coverage
Claims online
Pricing
Performance
Smooth Sool’s Powerwash
Smooth Sool’s Powerwash
biBerk is the way to go.
David Veatch
David Veatch
It was simple, quick, and easy.
Martin Joseph
Martin Joseph
biBerk is very good.
Mike Scott
Mike Scott
At least 15% better pricing
Wayne Edmonson
Wayne Edmonson
It was a great experience.
Jessica M
Jessica M
They have wonderful customer service.
Johnny Howard
Johnny Howard
Prices you cannot beat.
Ellie D.
Ellie D.
Very easy to read. I understand the policies simple easy check out very competitive cost love the payment plan. Perfect for a home bakery.
Mandy D.
Mandy D.
Very easy and straightforward. Didn't have any issues using the site and was able to get my quote and policy without any problem or t...
Qualifications
Features
About biBerk Insurance Services
biBerk Business Insurance is a small business insurance company founded in 2015 to simplify what it describes as a traditionally complicated, confusing, and costly buying experience for small business owners. The company sells insurance directly to customers online (and also supports purchasing by phone), aiming to deliver quotes and issue policies in minutes through an automated online analytical system. biBerk positions itself as part of the Berkshire Hathaway Insurance Group (a Berkshire Hathaway company) and emphasizes financial strength via Berkshire Hathaway’s insurance family. The site highlights that Berkshire Hathaway’s major insurance subsidiaries are rated A++ by A.M. Best, and it references Berkshire Hathaway’s $52.2 billion in claims paid in 2023. The company’s model removes intermediaries (brokers/middlemen) and claims it can pass savings to customers—often stating savings of up to 20% versus other providers. biBerk also promotes online policy management for policyholders, including certificates of insurance, payments/autopay, claims reporting, and workers’ compensation audits. biBerk focuses on insuring small businesses across many industries and markets, offering core commercial coverages such as workers’ compensation, general liability, professional liability (errors & omissions), business owners policies (BOP), commercial auto, umbrella, and cyber (as an add-on).
Additional Details
Claims savings of up to 20% vs other providers; example starting prices: General Liability from $27.50/month; Professional Liability/E&O policies start around $300/year; BOP starts about $500/year (mo
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