biBERK Review

About biBERK

biBERK is the direct-to-business arm of the Berkshire Hathaway Insurance Group, and that pedigree is the whole pitch: you buy small-business coverage online directly from one of the most financially powerful insurers in the world, with no broker in the middle. Berkshire's insurance operations carry an A++ (Superior) rating from AM Best — the top tier — backed by 75+ years of experience and $52.2 billion in claims paid in 2023. For a trades business, that financial strength matters: it is the assurance the carrier will actually be there to pay a large workers' comp or liability claim.

The model is direct-digital. Because biBERK cuts out the broker, it advertises savings of up to 20% versus comparable policies, and you can quote and buy online in minutes. Pricing is genuinely small-business-friendly — workers' comp starts around $75/month and a business owner's policy around $148/month, depending on trade, payroll, and state — and it writes the core lines a contractor needs: workers' comp, general liability, BOP, commercial auto, professional liability, and umbrella, in all 50 states.

The trade-offs, reflected in independent reviews (MoneyGeek scores it ~4.4 and ranks it sixth of ten national carriers), are that its pricing is not always the absolute cheapest and its coverage menu is narrower than a full-service broker that shops many carriers. As a single direct carrier, biBERK gives you its own products, not a marketplace of options — so if your trade is high-hazard or you need specialty endorsements, you may need a broker who can place you elsewhere.

For a straightforward trades business that wants financially-rock-solid coverage bought quickly and directly at a fair price, biBERK is one of the strongest direct options in this directory. Get a biBERK quote alongside a broker (like Simply Business or Insureon) that shops multiple carriers, and compare — the direct A++ carrier versus the shopped-market approach.