Business Details
Trusted Small Business Insurance Solutions Nationwide
biBerk is a trusted provider of small business insurance solutions, proudly part of Warren Buffett's Berkshire Hathaway Insurance Group. With over 200,000 satisfied customers and 75 years of combined industry experience, we specialize in delivering cost-effective, comprehensive coverage tailored to the unique needs of small businesses. Our direct-to-customer model eliminates intermediaries, enabling savings of up to 20% compared to traditional providers. We offer instant online quotes, 24/7 policy management, and fast claims processing, backed by A.M. Best Company's top financial strength ratings.Our team of experts provides personalized support, ensuring businesses receive the right coverage for their specific risks. From Workers' Compensation to Commercial Auto insurance, our products are designed to protect businesses nationwide. With $52.2 billion in claims paid in 2023 alone, we combine financial stability with innovative digital tools to simplify insurance for entrepreneurs. Our commitment to transparency, customer-centric service, and industry-leading expertise makes us a reliable partner for small businesses seeking dependable protection.
Services
Workers' Compensation
Professional Liability
General Liability
Business Owners Policy
Commercial Auto
Umbrella
Cyber Liability
Employment Practices
Equipment Breakdown
Liquor Liability
Highlights and features
- We save businesses up to 20% through our direct-to-customer model
- Our policies are backed by Berkshire Hathaway's financial strength
- We've issued 200,000+ policies with 24/7 online access
- Our team combines 75 years of insurance expertise
- We offer instant coverage with no hidden fees
Associations and certifications
- A.M. Best Company
What people say
Instant coverage
Big savings
24/7 service
Trusted by businesses
Easy online process
Services
Workers' Compensation
Protects businesses against costs from work-related injuries or illnesses. Covers medical expenses, lost wages, and legal liabilities. Required in most states for businesses with employees. Provides peace of mind through Berkshire Hathaway's financial strength and fast claims processing.
Professional Liability
Safeguards against claims of professional mistakes or negligence. Covers legal defense costs and damages for unfulfilled duties or service errors. Essential for consultants, accountants, and service providers. Includes cyber liability add-ons and retroactive coverage options.
General Liability
Covers third-party injuries, property damage, and advertising injuries. Protects against lawsuits from customer accidents or property damage. Includes up to $2 million limits and endorsements for cyber risks, auto liability, and employment practices.
Business Owners Policy
Combines property and liability coverage in one package. Protects against property damage, business interruption, and liability claims. Customizable with endorsements for equipment breakdown, liquor liability, and cyber risks. Saves up to 20% compared to separate policies.
Commercial Auto
Covers business vehicles against collision, theft, and liability claims. Includes bodily injury, property damage, and uninsured motorist coverage. Available for cars, trucks, and specialty vehicles. Offers 24/7 claims reporting and nationwide service.
Questions
What types of business insurance are required by law?
Workers' Compensation is mandatory in most states for businesses with employees. Commercial Auto insurance is required for company vehicles. General Liability may be needed for leased spaces or client contracts.
How can I reduce my insurance costs?
Bundle policies in a Business Owners Policy, increase deductibles, implement safety programs, and maintain claims-free history. Our direct model already saves up to 20% versus brokers.
Does biBerk operate in all states?
We provide coverage in all 50 states except four where government entities control Workers' Compensation. Check our coverage map for specific state details.
What's covered by Professional Liability insurance?
Covers claims of professional errors, omissions, or negligence. Includes legal defense costs, retroactive coverage for past work, and cyber liability add-ons for data breaches.
How do I prove I have insurance?
Download instant Certificates of Insurance from our website. These documents verify your coverage limits and policy details for landlords, clients, or contractors.
Can I manage my policy online?
Yes, our digital platform allows 24/7 policy management, claims filing, payments, and coverage adjustments. No phone calls or paperwork needed for most transactions.
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