Small Business Insurance
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biBerk is proud to be part of Warren Buffett’s Berkshire Hathaway Insurance Group. Save up to 20% on your business insurance. Get a quote and get covered online in minutes.
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Explore Our Small Business
Insurance Products
Workers' Compensation
Mandatory in most U.S. states, this policy pays for medical care and lost wages resulting from a work-related injury.
Best for:
Employee medical expenses
Help with missed wages
Lawsuits over injuries that aren't covered
Professional Liability Insurance (E&O)
Also called errors & omissions, this insurance covers alleged or actual mistakes and failures to perform a service.
Best for:
Professional advice or services errors
Unfulfilled duties
Scope of work (SOW) disagreements
General Liability Insurance
This policy provides protection in instances of non-employee physical injury or damage to third-party property.
Best for:
Visitor slip-and-fall injuries
Employee damage to customer property
Libel, slander, copyright infringement
Business Owners Policy (BOP)
Also called property & liability insurance, this policy provides combined coverage for property damage and lawsuits.
Best for:
Customer property damage
Customer injuries
Business property damage
Commercial Auto Insurance
This policy covers damage to and lawsuits from the operation of company-owned or leased vehicles.
Best for:
Third-party injury or death where an employee is at fault
Damage to company vehicles from theft, fire, flood, etc.
Collision damage
Umbrella
Protect your business & assets with coverage for claims that exceed the limits of your current biBERK liability policy.
Best for:
Added coverage for an underlying policy
Scenarios where the existing policy limit has been reached
Additional protection without increasing policy limits
Appetite Guidelines
Workers' Compensation
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Appetite Guidelines
PL and EO
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Appetite Guidelines
Business Owner Policy
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biBerk Appetite Guidelines
Easily access biBERK’s underwriting appetite for different lines of business. Click below to view detailed guidelines for Workers’ Comp, Professional & Executive Liability, and Business Owner’s Policies.
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Agent Onboarding Videos
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Key biBerk Contacts
For all “how-to” questions.
Timelines, documents (e.g., COIs), special submissions, appetite guide, etc.
When in doubt, this is the contact to use.
Available 8 AM – 8 PM CST at 855-430-7220.
Log-in issues.
New user setup.
Any potential IT-related issues.
Replaces [email protected] as of January 2024.
Only email for cancellations and lost policy releases (LPR).
Always reference policy number(s).
Exclusion or inclusion forms.
ONLY email regarding a referred application or issued policies.
MUST be accompanied by a BSP Conversation.
Do NOT send paper applications.
Loss run requests.
Any related claims inquiries.
