What is BiBerk Insurance + Honest Customer Review Update

At BiBerk, you’re backed by the big player Berkshire Hathaway, giving you confidence in their strong financial status.

But let’s be real – they’ve had a lot of complaints about property and liability insurance.

They’ve had way more complaints than other companies. However, we shouldn’t make away with the numerous thumbs-up following.

BiBerk Insurance + Honest Customer Review Update

Here are the pros and cons of BiBerk Insurance:


  • Prices can be competitive, depending on what kind of business you have.
  • You can get covered instantly and grab certificates online right away.


  • BiBerk has had a lot more complaints than most companies.

BiBerk Insurance

What BiBerk Business Insurance Cover

BiBerk’s small business insurance protects you from all sorts of problems like damage to your stuff, getting sued, or losing money because of disasters.

You can pick and choose what you want to be covered for. Here’s what they offer:

  • Business Owners Policy (BOP): Covers things like accidents, damage, and interruptions to your business.
  • Professional Liability Insurance: Helps if you mess up at work and it costs someone money.
  • Cyber Liability Insurance: Deals with problems if someone hacks into your computer systems.
  • Commercial Auto Insurance: Covers accidents involving vehicles used for work.
  • Commercial Umbrella Insurance: Gives you extra coverage if a big problem happens.
  • Workers’ Compensation Insurance: Helps out if your employees get hurt on the job.
  • Hired and Non-Owned Auto Liability Insurance: Covers accidents with vehicles you don’t own.
  • Employment-Related Practices Liability Insurance: Deals with lawsuits about how you treat your employees.
  • Employee Benefits Liability Insurance: Helps if there’s a mistake with employee benefits.
  • Contractors Installation, Tools & Equipment Insurance: Covers tools and equipment used for work.
  • Liquor Liability Insurance: Essential if you sell alcohol and something bad happens.
  • BiBerk’s Equipment Breakdown/Boiler & Machinery Insurance: they steps in when your equipment breaks down. It covers the costs to fix or replace the broken stuff and the money you lose while it’s out of action. It’s there to help your business bounce back without a big financial hit..

How Much BiBerk Business Insurance Costs

BiBerk’s Business Owners Policy (BOP) starts at around $500 per year. However, the cost varies depending on factors such as:

  • Number of employees.
  • Annual revenue.
  • Ownership status of your space (own or rent).
  • Industry of your business.
  • Years of operation.
  • Claims history.
  • Chosen insurance limits.

Here’s a comparison of BiBerk’s annual insurance costs for different business types and structures:

  • Advertising (LLC): $480
  • Carpentry (S-corp): $980
  • Carpentry (Single-Member LLC): $1,623
  • Carpentry (Sole Proprietor): $1,062
  • Consulting (LLC): $275
  • Drywall (Corporation): $635
  • Electrical work (Sole Proprietor): $461
  • Electrician (Sole Proprietor): $783
  • Electrician (Sole Proprietor): $694

These rates are based on general liability limits of $1,000,000 per occurrence/$2,000,000 aggregate, as per Berkshire Hathaway Direct Insurance Company filing in Connecticut for the year 2022.

How to Get BiBerk Business Insurance

Get BiBerk business insurance following these steps:

  • Choose what coverage you need.
  • Get a quote online from BiBerk’s website.
  • Pay your premium online and you’re good to go.

Where BiBerk Business Insurance is Available

BiBerk provides business insurance in all 50 states of the USA, but there are some differences in coverage availability.

For instance, general liability insurance isn’t offered by BiBerk in these 22 states:

  • Alabama
  • Alaska
  • Arkansas
  • Delaware
  • District of Columbia
  • Florida
  • Georgia
  • Idaho
  • Kentucky
  • Louisiana
  • Maine
  • Montana
  • New Mexico
  • North Dakota
  • Oklahoma
  • Oregon
  • Rhode Island
  • South Dakota
  • Utah
  • Vermont
  • West Virginia
  • Wisconsin
  • Wyoming

Is BiBerk Business Insurance Trustworthy?

Looking at other options for your business insurance is a smart move, especially considering the high number of complaints about BiBerk. 

Here are some companies worth checking out:

  • Allianz: Even though they mainly deal with big businesses, Allianz can still help smaller ones with their insurance needs and give advice on managing risks.
  • Allstate: You can talk to an Allstate agent who can guide you through your insurance choices. They also offer online quotes to make things easier for you.
  • Farmers: Farmers have a lot of different insurance options for businesses. Along with basic coverage like liability and property insurance, they also offer things like auto insurance and extra protection with umbrella insurance. You can get quotes online and customize your coverage to fit your business.

Who BiBerk Business Insurance Works Best For

It’s great for business owners who:

  • Want to pick and choose what they need.
  • I like to keep things simple with an easy online process.


Insurance is super important because it keeps you covered when life throws curveballs.

It’s like a safety net for unexpected expenses, like accidents or getting sick.

Plus, it’s there for your family if something happens to you, helping them out with money stuff in tough times.

Over the years, BiBerk has had a lot of complaints – it’s smart to check out other companies too.

Companies like Allianz, Allstate, or Farmers could be worth a look. 

These insurance companies are among the best small business insurance companies.

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