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biBERK Review
Berkshire Hathaway's direct small-business insurer: quote and buy online without a broker
Quick verdict
biBERK is best for straightforward trade businesses that want to quote and buy coverage directly online from a Berkshire Hathaway insurer without a broker. Quote speed: Instant online quote and purchase direct from biBERK, with no broker. Pricing: Quoted online; biBERK says buying direct can cost up to 20% less than traditional providers. A single insurer that does not shop the market, lines vary by state, and service is online and by phone rather than through a local agent. Compare against a broker quote.
About biBERK
biBERK is the direct-to-business small-business insurance brand of the Berkshire Hathaway Insurance Group. You quote and buy online from biBERK itself, with no broker in the middle. biBERK says the group has over 75 years of experience and paid $62 billion in claims in 2025.
For trade businesses, biBERK sells workers' compensation, general liability, business owner's policies (property and liability), commercial auto, professional liability and umbrella coverage. It says cutting out the broker lets it offer policies that can cost up to 20% less than traditional providers. Workers' comp is available in every state where biBERK is allowed to sell it; biBERK notes that four states require businesses to buy workers' comp from a government entity. Other coverages vary by state, and biBERK publishes a state coverage map.
Because biBERK is an insurer selling its own policies rather than a broker, you get one set of products and one underwriting appetite. If biBERK does not write your trade or prices it high, it will not shop other insurers for you, so a broker quote is a useful comparison.
The trade-off: fast direct purchase from a Berkshire Hathaway insurer, but no one shops the market for you and service is mainly online and by phone rather than through a local agent.
How it works
Answer a short set of questions on biBERK's website about your business, trade, payroll and the coverage you need, get a quote online, and buy the policy directly from biBERK; there is no broker. You manage the policy, certificates of insurance and claims directly with biBERK online or by phone. Check biBERK's state coverage map first, because the lines on offer vary by state.
Pros & cons
What works
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Berkshire Hathaway backing
biBERK is part of the Berkshire Hathaway Insurance Group.
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Direct pricing
biBERK says removing the broker lets it offer policies that can cost up to 20% less than traditional providers. Your own quote is the only real test.
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Quote and buy online
biBERK offers instant online quotes and online purchase, which suits a contractor who needs coverage or a certificate without waiting on an agent.
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Core lines for trades
Workers' comp, general liability, business owner's policies, commercial auto, professional liability and umbrella are all sold direct.
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Deal directly with the insurer
Quotes, policy changes, certificates and claims go through biBERK itself rather than a broker.
What doesn't
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One insurer, not a marketplace
biBERK sells its own policies and does not shop other insurers, so compare its quote with a broker's.
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Coverage varies by state
Lines on offer differ by state on biBERK's coverage map, and workers' comp is not sold in the four states that require a government fund.
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Its own underwriting appetite
As a direct insurer, biBERK decides which trades and loss histories it will write; if it declines yours, you will need another insurer or a broker.
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Online and phone service
There is no local agent relationship, which is fine for simple needs but less helpful for a complex risk.
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Savings claim is biBERK's own
The up-to-20% figure is biBERK's marketing claim, not a guarantee for your trade; get competing quotes.
Coverage
- Insurance lines
- workers compgeneral liabilitybopcommercial autoprofessional liabilityumbrella
- Geographic coverage
- Workers' comp in every state where private insurers may sell it (biBERK says four states require buying from a government entity); other lines vary by state on biBERK's coverage map
- Premiums
- Quoted online; biBERK says buying direct can cost up to 20% less than traditional providers
- Quote speed
- Instant online quote and purchase direct from biBERK, with no broker
- Trade coverage
- HVACPlumbingElectricalRoofingGeneral ContractorsLandscaping & Lawn CareCleaning ServicesHandyman ServicesPainting
- Affiliate program
- Unknown. No public publisher affiliate program confirmed; outreach required to determine availability.
Reviews and complaints at the source
We do not copy third-party review scores onto this page: they change often and we could not verify them. Read biBERK's current reviews at the source.
Frequently asked
Is biBERK legitimate?
Yes. biBERK is the direct small-business insurance brand of the Berkshire Hathaway Insurance Group. biBERK says the group paid $62 billion in claims in 2025.
How much does biBERK cost for a trades business?
biBERK quotes online based on your trade, payroll, location and coverage, and it says buying direct can cost up to 20% less than traditional providers. Get a quote and compare it with at least one broker quote.
What does biBERK cover for contractors?
Workers' compensation, general liability, business owner's policies, commercial auto, professional liability and umbrella. Availability varies by state; biBERK does not sell workers' comp in the four states that require businesses to buy it from a government entity.
biBERK vs a broker like Simply Business or Insureon?
biBERK is a direct insurer that sells only its own policies. A broker compares several insurers for you.
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