biBERK Business Insurance Review 2023: Pros, Cons, Alternatives

Berkshire Hathaway's biBERK sells business insurance policies online, but not all coverage is available everywhere.
Rosalie Murphy
By Rosalie Murphy 
Edited by Ryan Lane

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

MORE LIKE THISSmall Business

biBERK business insurance


NerdWallet rating 

BiBERK is a business insurance company that focuses on a simple online experience. Business owners can get quotes, buy policies, file claims and download a certificate of insurance online, though agents are available to help as well.

BiBERK is a division of Berkshire Hathaway and may be a good fit for entrepreneurs who want to purchase coverage online from a long-standing company and have straightforward business insurance needs.

But if your business requires specialized coverage, such as inland marine insurance or directors and officers insurance, biBERK may not have policies for you. And biBERK may not be your best bet if you want to purchase multiple types of business insurance from the same company, since only biBERK’s professional liability insurance is available in all 50 states. The availability of other policies varies.

Looking for tools to help grow your business?

Tell us where you're at in your business journey, and we'll direct you to the experience that fits.

on NerdWallet's secure site

biBERK business insurance: Pros and cons



Can get a quote and purchase insurance online.

Not all types of insurance are available in all 50 states.

Can download a copy of your certificate of insurance anytime.

Many specialized types of coverage are not available.

Can file claims online.

How to get business insurance from biBERK

BiBERK sells business insurance online. On its website, biBERK prompts you to enter some basic information about your business, including your industry and number of employees. BiBERK uses that information to recommend certain types of coverage.

Next, you can choose one type of coverage and biBERK will ask questions specific to your industry. For instance, if you own an accounting firm and are shopping for errors and omissions insurance, biBERK might ask whether you provide investment advice or tax services to help customize your coverage.

After you enter your personal contact information, biBERK will show you a quote. You can then elect to buy the policy.

If you later need a certificate of insurance to show a landlord or client, you can download one from biBERK’s website. However, if you want to add an additional insured to your policy, you’ll need to call biBERK and ask it to do so.

BiBERK says its online approach allows it to offer cheap business insurance compared to other providers. But NerdWallet recommends getting quotes from multiple business insurance companies so you can compare costs.

Shop Now

on Tivly's website

Or call 888-698-3034

biBERK business insurance: Types of coverage

BiBERK sells the following policies:

biBERK business owner’s policy

BiBERK’s business owner's policy includes general liability insurance and business property insurance. Business income insurance is included in the commercial property portion of the policy, too.

Customers can add a number of endorsements to a BOP for additional protection, including:

  • Cyber liability insurance, which protects your business in case of a data breach.

  • Employment-related practices liability insurance, which protects your company against claims like wrongful termination or discrimination.

  • Liquor liability insurance, which can protect your business from liability claims related to the sale or serving of alcohol.

The company says its BOPs start at around $500 per year and most customers spend less than $2,000 per year on premiums.

BiBERK business owner’s policies are available in 28 states, including California, Illinois, New York, Pennsylvania and Texas.

biBERK workers’ compensation insurance

If you have employees, you’re required in almost every state to carry workers' compensation insurance. You can purchase workers’ comp online from biBERK and file claims online.

BiBERK does not offer workers’ comp insurance in North Dakota, Ohio, Washington or Wyoming. Neither does any other insurer, however: All four states have monopolistic state funds, which means employers have to buy workers’ comp from the state or prove that they’re self-insured.

biBERK professional liability insurance

BiBERK offers professional liability insurance in all 50 states, with policies starting at around $300 per year. Policyholders can add cyber insurance coverage as an add-on.

Its policy covers the costs of a legal defense if you’re sued, and on top of that — biBERK will provide an attorney. It also covers punitive damages up to the policy limit.

Other insurance available from biBERK

In addition to the coverages above, biBERK sells umbrella insurance, which gives businesses extra liability protection. It’s available in 28 states.

BiBERK also offers commercial auto insurance in 15 states as of this writing.

Should you choose biBERK for business insurance?

BiBERK can be a good fit for your company if:

  • You want to shop online. Most commercial insurance providers still don’t allow you to buy a policy online. With biBERK, you can get a quote, buy a policy and file claims online. Agents are available if you want personalized help.

  • Your coverage needs are simple. BiBERK allows you to purchase the most common types of business insurance very quickly, but it doesn't offer many specialized coverages.

  • You want to work with an established brand. Many companies focused on selling business insurance online are less than a decade old. And while biBERK was founded in 2015, Berkshire Hathaway has been providing insurance through subsidiaries like Geico for decades.

That said, biBERK’s coverage is limited in several key ways. BiBERK isn’t available in all states, and its commercial auto insurance isn’t even available in most states. Depending on where you live, another insurer may be better positioned to meet your needs.

Alternatives to biBERK business insurance

Berkshire Hathaway is connected to several different insurers. Depending on your business’s needs, these biBERK alternatives from Berkshire Hathaway may make sense:

  • If you want commercial auto insurance: Geico specializes in commercial auto insurance, covering a variety of vehicles and allowing policyholders to access IDs and proof of insurance online. Geico also sells other types of business insurance through third parties.

  • If you want the simplest policy possible: Three insurance combines several types of business insurance coverage into one three-page policy, which it sells directly to business owners.

  • If you want a traditional shopping experience: Guard Insurance sells business insurance policies through independent agents. You can provide Guard with some basic information about your business and its agents can help you compare quotes.

For an option outside the Berkshire Hathaway family, consider Next Insurance. Like biBERK, Next allows users to purchase policies online and download a certificate of insurance, but it offers a slightly larger range of coverages.


Business insurance ratings methodology

NerdWallet’s business insurance ratings reward companies that offer small-business owners reliability and ease of use. Ratings are based on weighted averages of scores in several categories, including financial strength, customer complaint data, shopping experience and customer service. Learn more about how we rate small-business insurance companies.

These ratings are a guide, but insurance policy details and prices can vary widely from business to business and provider to provider. We encourage you to shop around and compare several insurance quotes.

NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2021.

To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period.

Our star ratings consider ratios for both general liability insurance and commercial property insurance. When an insurer sells policies that are underwritten by several different insurance companies, we consider the NAIC complaint ratios of all the underwriters.