Skip to main content

biBERK Insurance Review

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

Down Arrow

biBERK Insurance Review

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

Don't feel like filling in a form?
Skip ahead of the line and call us toll-free: 877-907-5267

Important Disclosure Below

Thank you!
We received your information.

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 owned by Berkshire Hathaway. 

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 complete a simple form to then get their insurance. The result is 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 provides coverage across the United States, serving 46 states and Washington D.C. It does not currently write business in North Dakota, Ohio, Washington, and Wyoming. 

Lines of Coverage

You can get one or more of the six most common policy types with biBERK.

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

  • General Liability: Pays bodily injury, property damage, and advertising injury claims made against you by third-parties
  • Professional Liability: Provides a legal defense and settlements for claims of professional errors that lead to injury or loss
  • Business Owners Policy (BOP): Combines both general liability with commercial property insurance for a convenient and cost-effective policy
  • Workers’ Compensation: Covers the medical expenses and lost wages of an employee hurt on the job
  • Commercial Umbrella: Additional liability coverage for other policies such as general liability and commercial auto
  • Commercial Auto: Pays claims for at-fault accidents in work vehicles and can cover damage to the vehicle through comprehensive and collision coverage

Top Industries Served

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

The biBERK website highlights 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 if you fit into their general business appetite. 

Premium Costs

biBERK boasts that business owners can save 20% on premium by going with them and eliminating the middleman. Keep in mind that your rate will depend on your industry, business size, and total revenues. biBERK has business owners policies that start at $250 a year and go up from there. 

Underwriting Process

biBERK has invested in technology to assist business owners in buying insurance directly online. With a simple, three-step process, a business owner enters details about his business and the system generates a premium that he can then bind immediately. This means that the majority of 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 gives 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 Berkshire Hathaway financially conservative 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. Scores below 1.0 mean the company had fewer than expected complaints while scores over 1.0 mean 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 take into account formal complaints, and financial strength ratings along with public reviews painting a broad picture of the company’s reputation. 

Quote icon
Insurance I needed, explained simply.
Kimberly Zimnoski
Quote icon
Perfect, Fast, and outstanding service!!!
Sammi Thomas
Quote icon
Very efficient and courteous service.
Orville Brown