biBERK Insurance Review 2026: Berkshire Hathaway’s Basic Online Storefront
biBERK, a subsidiary of Berkshire Hathaway, sells small-business insurance online.
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Updated · 2 min read
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Why trust NerdWallet
BiBERK is a division of Berkshire Hathaway that sells insurance online. It’s a good fit for entrepreneurs who want to purchase coverage fast from a long-standing company and have straightforward business insurance needs.
BiBERK sells professional liability insurance, general liability insurance, workers’ comp, commercial auto insurance, umbrella insurance and a BOP. These are the most common business insurance policies, and many entrepreneurs need at least one.
But biBERK may not be your best bet if you want to purchase multiple types of business insurance. Only biBERK’s professional liability insurance is available in all 50 states.
Policyholders also filed far more complaints with state regulators than we would expect given the company’s market share.
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BiBERK pros and cons
Pros
Simple online application lets business owners get coverage quickly.
Excellent financial strength.
Can download a copy of your Certificate of Insurance anytime.
Cons
State regulators received far more complaints from biBERK commercial liability and commercial property customers from 2022-24 than we’d expect, given its market share.
Limited availability by state.
Adding an additional insured may take several days.
What biBERK does well
Simple online purchase process with support available
It’s easy to get an online quote from biBERK. You can adjust your limits and deductibles as needed. Need support? You can call and speak to an agent before you commit. Not all online-first business insurers include that option.
Proactive coverage recommendations
I got a quote as part of writing this review, and biBERK suggested particular policies based on the information I shared. I didn’t have to know what coverage I needed.
If you’re unfamiliar with insurance, that makes the purchase process go smoothly. (It does make it possible for you to leave something out by accident, though.)
Where biBERK falls short
Lots of complaints filed with state regulators
Customers filed far more complaints about biBERK with their state regulators between 2022 and 2024 than we’d expect given the company’s market share. The contents of those complaints aren’t public. But according to the National Association of Insurance Commissioners, the most common topics are claims delays, unsatisfactory settlements and denials.
We don’t know exactly what biBERK customers complained about. But the business insurers with the highest numbers of complaints — biBERK, Ergo Next and Hiscox — all focus on letting you buy a policy online. That might be part of the problem.
Insurance policies are complicated. Online-first insurtechs, like biBERK, try to reduce this friction. My guess is that their approach may also reduce policyholders’ upfront understanding of their coverage. If you shop with biBERK, take advantage of the opportunity to call an agent before you buy. Ask questions about policy limits, what’s covered and anything else you’re unsure about.
Slow to add an additional insured
When you need to extend your coverage to someone else, some insurance companies (like Ergo Next) let you add them yourself immediately. With biBERK, It can take up to two days to add an additional insured. You have to fill out a form and wait for the insurer to send you confirmation. That could be tough if you need proof of insurance before you start a job.
Can’t compare quotes
BiBERK claims competitive prices, and some online reviews support that. But getting business insurance quotes from multiple companies is the only way to make sure.
Shop with an online insurance marketplace like Simply Business or Coverdash if your priority is the lowest price. Marketplaces can give you quotes from several companies at the same time and you can choose one.
Save up to 30% on business insurance
NerdWallet Small Business helps you get real-time quotes from 30+ insurers, and instant access to your Certificate of Insurance (COI) through our partner, Coverdash.
How we evaluated biBERK
NerdWallet’s business insurance star ratings include these factors:
- Financial strength (33%). This tells us how likely an insurance company is to be able to pay out claims if there’s a major disaster or financial crisis. Berkshire Hathaway Direct Insurance Company, the ultimate parent company of biBERK, is rated “excellent” by market leader AM Best.
- Customer complaints (33%). The National Association of Insurance Commissioners (NAIC) collects data about how many complaints were filed by an insurer’s customers. Between 2022 and 2024, biBERK received far more complaints about general liability and commercial property insurance than we’d expect given its market share. The company earned our lowest possible score in this category.
- Purchase process (17%). BiBERK sells the most common types of business insurance online, but not everywhere. You can buy professional liability insurance in every state, and workers’ comp from all except the four where the state provides insurance. But general liability insurance and BOPs are only available in 28 states. Commercial auto insurance is even more limited.
- Customer support (17%). BiBERK customers can talk to someone via phone or live chat during business hours, and you can file claims online or over the phone. You can also download your COI without assistance. It can take up to two days to add an additional insured, though.
I take a few additional steps when writing reviews of business insurers. These don’t currently inform our star ratings, but you’ll see details about them below:
- Aggregating customer reviews and complaints. I used an AI tool to summarize what policyholders say about biBERK on websites like Reddit, Trustpilot and the Better Business Bureau. We don’t factor this feedback into star ratings because it’s usually anonymous and we can’t verify it. But we still think it can help shoppers understand the potential ups and downs of a particular insurer.
- Trying the online quote process. If an insurer offers online quotes, like biBERK does, I get one. I use the same location, industry and business size information every time. The quote process can reveal how customizable policies are, hidden fees and more. We don’t include this in star ratings because many insurance companies still don’t offer online quotes, so we can’t gather the data from every brand.
What small-business owners think about biBERK
Here's what stood out in forum posts and online reviews of biBERK. I used an AI tool to help analyze overall sentiment.
👍 Trusted brand
BiBERK is a subsidiary of Berkshire Hathaway, one of the largest companies in the U.S. That has branding benefits, like the references to famous former CEO Warren Buffet that dot the biBERK website. But it also has financial benefits. The companies that underwrite biBERK policies earn the highest possible financial strength ratings from AM Best.
👎 Mediocre customer support
Reddit users describe a phone-tree system with long hold times. Business owners usually don’t have minutes or hours to waste, especially if you’re just trying to understand why your premium went up or to make sure you successfully added an additional insured.
👍 Workers’ comp prices
Most states require most companies to have workers’ comp, and it can get expensive. But some biBERK policyholders say the company gave them considerably cheaper quotes than other insurers. Some quotes will always be cheaper than others, which is why it’s wise to shop around.
If you get a quote that seems exceptionally cheap compared to others, consider calling a biBERK agent to understand why. It’s possible the AI-backed application system has misclassified your business. That could lead to premium audits down the road — more on that below.
👎 Surprise premium audits
Some biBERK users say they were surprised by notices of dramatic premium increases after audits.
Premium audits are normal, especially for workers’ compensation policies. Your insurance company wants to know if your payroll and revenue has increased so they can make sure they’re accurately assessing your risk. They also want to make sure you’re accurately classifying your contractors. But if you’re not expecting it, an audit can sound threatening.
What policies does biBERK sell?
BiBERK offers the basic types of business insurance, but they aren’t all available in every state. Click here to see biBERK’s coverage map for each policy.
Click on each policy to learn more about what it covers:
- Workers’ compensation. Not available in Washington, North Dakota, Ohio or New York, all of which have state-run workers’ comp systems.
- Professional liability insurance, also called errors and omissions insurance. Available in all 50 states and Washington, D.C.
- Business owner’s policy in 28 states.
- General liability insurance in 28 states.
- Commercial auto insurance in 21 states.
- Umbrella insurance in 28 states.
How to get insurance from biBERK
Getting an online quote from biBERK takes a few minutes.
While writing this review, I went through the quote process. I told biBERK I was a freelance marketing consultant working out of my home, earning about $10,000 in annual revenue.
To figure out what types of coverage I needed, the system asked:
- Whether I have employees.
- Where my business operates, shown below.
- Whether clients visit my home.
- Whether I own or lease vehicles, tools, equipment or inventory.
- My ZIP code.
From there, I started the quote process. That series of questions asked about:
- My business structure.
- My business name and address.
- When I started my business.
- Estimated gross annual revenue.
- Whether I always use written statements of work and if those are reviewed by legal counsel.
- If I have an E&O policy or have in the last three years.
- If I provide legal, financial, health or architectural advice.
- If anyone has filed an insurance claim against me in the last three years.
Answering the questions took a little less than 10 minutes. The number inviting me to talk to a “licensed expert” stayed at the top of the quote flow throughout the process. The chatbot serves up automated questions and responses.
biBERK generated a quote in about 15 seconds:
I had the option to edit my deductible and limits. BiBERK updated the premium amount automatically when I did.
When I was ready to check out, I again had the option to choose between paying monthly or annually, and the 10% discount for choosing the latter was still available. biBERK takes payments via credit card with no additional processing fee. Monthly payments require you to use autopay.
We always recommend getting quotes from several insurance companies. Every insurer charges a slightly different price depending on your industry, business size, location and more. It’s impossible to know if you’re getting a good price before you get a few more quotes.
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Methodology
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.
Our editorial team regularly reviews and updates our data to ensure consistency and accuracy. We also update our scoring on an ongoing basis to reflect changing industry norms and business owner needs. For instance, in 2026, we began evaluating how easy insurers make it to add an additional insured.
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. We use the most recent three years of data, which is currently 2022-2024.
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.
