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biBERK Insurance Review

Eliminating the middleman so you get a great policy at a better price

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Our Summary

A three-step process gets most businesses’ insurance directly online. According to biBERK, this could save you up to 20% on insurance premiums by eliminating a middleman. Business owners can get a lot of confidence when buying a policy from biBERK because it's a part of Berkshire Hathaway Insurance Group. 

Company Overview

Founded in 2015, biBERK set out to simplify the process of buying commercial insurance. It understands that most business owners want to simply go online and instantly be able to purchase their business insurance. This results in an automated process that sets biBERK apart from the competition. Best of all, biBERK has the financial backing as one of Warren Buffet’s Berkshire Hathaway companies. 

Geographic Representation

biBERK offers policies in all 50 states. However, coverage depends on the state you're in and the type of insurance you're looking for.

Lines of Coverage

You can get any of the six most common policy types with biBERK.

The types of commercial insurance policies that you can get with biBERK include:

  • General Liability: This policy provides protection in instances of non-employee physical injury or damage to third-party property.
  • Professional LiabilityAlso called errors & omissions, this insurance covers alleged or actual mistakes and failures to perform a service.
  • Business Owners Policy (BOP): Also called property & liability insurance, this policy provides combined coverage of property damage and lawsuits.
  • Workers’ Compensation: Mandatory in most U.S. States, this policy pays for medical care and lost wages resulting from a work-related injury.
  • Commercial Auto: This policy covers damage to and lawsuits from the operation of a company-owned or leased vehicles.
  • Umbrella: Protect your business and assets with coverage for claims that exceed the limits of your current biBERK liability policy.

Top Industries Served

biBERK has a lot of experience insuring small businesses and is able to handle claims from a wide variety of industries. This means that the company has a varying appetite for coverage and can insure most industries. 

The biBERK website insures the following industries: 

  • Accounting and finance
  • Auto service and dealers
  • Construction and contracting
  • Information technology
  • Professionals and consultants
  • Retail
  • Apartment buildings
  • Cleaning and janitorial services
  • Health care
  • Lawn care and landscaping
  • Restaurants and bars
  • Transportation 

If you are unsure if biBERK will insure your business, complete an online quote to get an idea.

Premium Costs

biBERK states that business owners can save 20% on premium by purchasing from them and eliminating the middleman. Keep in mind that your rate will depend on your industry, business size, total revenues, and other business variables. biBERK's business owners' policies start at $250 a year. 

Underwriting Process

biBERK has invested in technology for business owners to buy insurance directly online. With a simple, three-step process, a business owner enters details about their business and the system generates a premium that they can then bind immediately. This means that most business owners can get a biBERK policy within minutes. 

AM Best Ratings

AM Best is an insurance rating company that considers the financial strength of insurance carriers. It provides ratings so that the public can discern which companies are most likely to pay claims and handle large disaster filings. 

biBERK has an A++ rating with AM Best. We’d expect nothing less from a financial conservative Berkshire Hathaway company. 

Complaint Index

The National Association of Insurance Commissioners (NAIC) maintains a complaint index on insurance companies. This index looks at the number of complaints a company has for its market share. The average index is 1.0. A score below 1.0 means the company had fewer than expected complaints while a score over 1.0 means there were more complaints than expected.

Berkshire Hathaway Direct Insurance Company is the provider of biBERK policies with a complaint index of: 

  • Commercial liability: 0
  • Commercial property: 14.75
  • Commercial auto: 3.52

This suggests that biBERK has some work to do in the customer service department to reduce the number of complaints received. 


biBERK only has two reviews on Trustpilot with a split of one being positive (five stars) and the other being negative (one star). The negative review has to do with an insurance audit and the timely response that didn’t meet the customers' expectations. The positive review talks about how knowledgeable and reliable their service representative was. biBERK is accredited with the Better Business Bureau (BBB), with an A+ rating and 206 reviews. These reviews average 4.34 stars. There are 31 listed complaints through the BBB, with the biggest issues stemming from problems with the products or service. 

Concluding Thoughts

biBERK is an attractive option because of its backing from Berkshire Hathaway. While it advertises saving up to 20% on premiums, its starting policy is in line with other carriers, and you’ll need to get the specifics of your company to get a proper quote. To their advantage, however, is the wide appetite they have for a variety of industries. 

Learn more about biBERK 

Methodology employs its own independent research to come up with the details for reviews. We do this so that you can have as many insights as possible about a company so that you can make the best decision for your commercial insurance. We take into consideration the company’s history and where they serve. We want to highlight the appetite that a company has as this suggests where business owners can get the most competitive rates. Where possible, we include premium data. From there, we consider formal complaints, and financial strength ratings along with public reviews painting a broad picture of the company’s reputation. 

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Five Star Rating
Everett E Rhett Taylor Jr.
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Great experience! I got my 2 million-dollar liability insurance from them for my catering company!
Five Star Rating
Joseph Serrao
Nicole's Buddy Club Catering Company
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Insurance I needed, explained simply.
Five Star Rating
Kimberly Zimnoski