biBerk scores 4.40 in our MoneyGeek rating system and ranks sixth among national providers in our analysis of 10 carriers across 79 industries. The company shows solid customer service and financial stability but offers less competitive pricing and fewer coverage options compared to other insurers.
biBerk Business Insurance Review
biBerk ranks sixth in MoneyGeek's study with a score of 4.4 out of 5. It's excellent for affordability and service, but offers fewer coverage options.
Discover cheap business insurance options from biBerk below.
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Updated: September 2, 2025
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Key Takeaways
Small businesses pay about $105 monthly ($1,258 annually) for biBerk business insurance. It places eighth in our affordability rankings
biBerk ranks fourth in customer service quality, showing solid performance in claims processing and support
With a ninth-place ranking for coverage options, biBerk offers more limited policy customization choices compared to leading providers
biBerk Business Insurance Ratings
| Overall Score | 4.40 | 6 |
| Financial Stability | 4.90 | 5 |
| Customer Service | 4.55 | 4 |
| Coverage | 4.35 | 9 |
| Affordability | 4.25 | 8 |
How Did We Determine These Scores?
These scores are for small businesses with two employees across 79 major industries or business types and focus on four coverage types: general liability, professional liability or errors and omissions (E&O), workers' comp and business owner's policy.
biBerk Business Insurance Ratings by Industry
biBerk ranks first overall in veterinary services among 79 analyzed industries. The company offers the most affordable coverage for automotive businesses, bakeries and welding companies. biBerk leads consistently in customer service and financial stability across industries while maintaining strong coverage options.
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Industry:Accountants
| Accountants | 4.43 | 2 | 1 | 2 | 1 |
How Did We Determine These Scores?
These scores are for small businesses with two employees across 79 major industries or business types and focus on four coverage types: general liability, professional liability (E&O), workers' comp and business owner's policy.
biBerk Business Insurance Ratings by State
biBerk provides business insurance across 50 states, reaching its best overall ranking of fourth place in three markets. The company maintains mid-range performance in most regions, with a sixth-place ranking in 35 states.
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State:Alabama
| Alabama | 4.38 | 7 | 2 | 5 | 3 |
How Did We Determine These Scores?
These scores are for small businesses with two employees across 79 major industries or business types and focus on four coverage types: general liability, professional liability (E&O), workers' comp and business owner's policy.
How Much Does biBerk Business Insurance Cost?
You can get business insurance from biBerk for about $105 per month ($1,258 annually). Coverage types come with different price tags, ranging from $75 monthly for workers' compensation to $148 for a business owner's policy.
| Business Owners Policies | $148 | $1,780 |
| General Liability | $114 | $1,369 |
| Professional Liability (E&O) | $79 | $953 |
| Workers Compensation | $75 | $901 |
How Did We Determine These Rates?
These rates are based on MoneyGeek's 2025 analysis of quotes for small businesses with two employees, $300,000 annual revenue and $150,000 payroll across four core coverage types.
How Much Does biBerk Business Insurance Cost by Industry?
The average cost of business insurance through biBerk varies , from $24 monthly for DJ services to $709 monthly for pressure washing businesses. Insurance costs reflect each industry's risk level, with hands-on services like pressure washing requiring higher coverage than entertainment services.
| Accountants | $58 | $694 |
| Ad Agency | $39 | $462 |
| Auto Repair | $220 | $2,644 |
| Automotive | $74 | $891 |
| Bakery | $73 | $879 |
| Barber | $62 | $747 |
| Beauty Salon | $64 | $773 |
| Bounce House | $59 | $712 |
| Candle | $46 | $552 |
| Cannabis | $85 | $1,021 |
| Catering | $138 | $1,656 |
| Cleaning | $130 | $1,556 |
| Coffee Shop | $87 | $1,050 |
| Computer Programming | $44 | $528 |
| Computer Repair | $52 | $624 |
| Construction | $189 | $2,263 |
| Consulting | $50 | $600 |
| Contractor | $173 | $2,081 |
| Courier | $176 | $2,106 |
| DJ | $24 | $292 |
| Daycare | $49 | $586 |
| Dental | $34 | $407 |
| Dog Grooming | $77 | $929 |
| Drone | $42 | $507 |
| Ecommerce | $71 | $852 |
| Electrical | $96 | $1,150 |
| Engineering | $42 | $498 |
| Excavation | $261 | $3,137 |
| Florist | $53 | $638 |
| Food | $144 | $1,727 |
| Food Truck | $115 | $1,382 |
| Funeral Home | $75 | $905 |
| Gardening | $130 | $1,560 |
| HVAC | $202 | $2,426 |
| Handyman | $139 | $1,666 |
| Home-based | $27 | $320 |
| Hospitality | $118 | $1,420 |
| Janitorial | $128 | $1,541 |
| Jewelry | $46 | $557 |
| Junk Removal | $149 | $1,785 |
| Lawn/Landscaping | $131 | $1,578 |
| Lawyers | $66 | $786 |
| Manufacturing | $42 | $509 |
| Marine | $74 | $882 |
| Massage | $135 | $1,622 |
| Mortgage Broker | $63 | $756 |
| Moving | $182 | $2,184 |
| Nonprofit | $36 | $436 |
| Painting | $150 | $1,805 |
| Party Rental | $64 | $770 |
| Personal Training | $36 | $434 |
| Pest Control | $59 | $704 |
| Pet | $49 | $584 |
| Pharmacy | $74 | $890 |
| Photography | $32 | $388 |
| Physical Therapy | $45 | $545 |
| Plumbing | $256 | $3,077 |
| Pressure Washing | $709 | $8,506 |
| Real Estate | $54 | $648 |
| Restaurant | $161 | $1,928 |
| Retail | $46 | $550 |
| Roofing | $581 | $6,969 |
| Security | $107 | $1,284 |
| Snack Bars | $83 | $995 |
| Software | $41 | $494 |
| Spa/Wellness | $137 | $1,643 |
| Speech Therapist | $44 | $525 |
| Startup | $36 | $438 |
| Tech/IT | $42 | $508 |
| Transportation | $99 | $1,193 |
| Travel | $36 | $437 |
| Tree Service | $136 | $1,629 |
| Trucking | $144 | $1,726 |
| Tutoring | $29 | $349 |
| Veterinary | $50 | $597 |
| Wedding Planning | $42 | $500 |
| Welding | $132 | $1,580 |
| Wholesale | $53 | $634 |
| Window Cleaning | $181 | $2,174 |
How Did We Determine These Rates?
These rates are based on MoneyGeek's 2025 analysis of quotes for small businesses with two employees, $300,000 annual revenue and $150,000 payroll across four core coverage types.
How Much Does biBerk Business Insurance Cost by State?
State regulations, natural disaster risks and local legal environments affect business insurance rates across the country. biBerk offers the cheapest business insurance in North Carolina at $90 per month. Business owners in Washington state pay higher rates at $129 per month.
| Alabama | $103 | $1,232 |
| Alaska | $96 | $1,150 |
| Arizona | $100 | $1,196 |
| Arkansas | $100 | $1,201 |
| California | $116 | $1,386 |
| Colorado | $103 | $1,235 |
| Connecticut | $113 | $1,357 |
| Delaware | $112 | $1,342 |
| Florida | $113 | $1,355 |
| Georgia | $106 | $1,269 |
| Hawaii | $109 | $1,312 |
| Idaho | $99 | $1,185 |
| Illinois | $114 | $1,373 |
| Indiana | $102 | $1,221 |
| Iowa | $100 | $1,196 |
| Kansas | $102 | $1,220 |
| Kentucky | $97 | $1,163 |
| Louisiana | $118 | $1,422 |
| Maine | $90 | $1,081 |
| Maryland | $100 | $1,195 |
| Massachusetts | $109 | $1,306 |
| Michigan | $99 | $1,187 |
| Minnesota | $98 | $1,172 |
| Mississippi | $105 | $1,255 |
| Missouri | $103 | $1,235 |
| Montana | $104 | $1,243 |
| Nebraska | $99 | $1,185 |
| Nevada | $119 | $1,426 |
| New Hampshire | $103 | $1,241 |
| New Jersey | $118 | $1,421 |
| New Mexico | $105 | $1,257 |
| New York | $118 | $1,419 |
| North Carolina | $90 | $1,076 |
| North Dakota | $99 | $1,194 |
| Ohio | $107 | $1,280 |
| Oklahoma | $98 | $1,177 |
| Oregon | $97 | $1,164 |
| Pennsylvania | $119 | $1,424 |
| Rhode Island | $115 | $1,378 |
| South Carolina | $108 | $1,292 |
| South Dakota | $98 | $1,170 |
| Tennessee | $102 | $1,221 |
| Texas | $105 | $1,257 |
| Utah | $100 | $1,198 |
| Vermont | $100 | $1,200 |
| Virginia | $95 | $1,141 |
| Washington | $129 | $1,553 |
| West Virginia | $109 | $1,312 |
| Wisconsin | $102 | $1,219 |
| Wyoming | $106 | $1,276 |
How Did We Determine These Rates?
These rates are based on MoneyGeek's 2025 analysis of quotes for small businesses with two employees, $300,000 annual revenue and $150,000 payroll across four core coverage types.
biBerk Business Insurance Customer Experience Ratings
We analyzed over 1,100 customer reviews to find out how biBerk performs. It ranks fifth nationally with a customer score of 4.19. biBerk has a user-friendly digital platform and policy management tools, though claims processing could be faster.
| Affordability | 4.10 | 8 |
| Claims Process | 4.00 | 3 |
| Customer Service | 4.10 | 5 |
| Digital Experience | 4.20 | 5 |
| Policy Management | 4.20 | 5 |
| Recommend to Others | 4.30 | 3 |
biBerk Business Insurance Customer Reviews and Sentiment
Feedback from real customers gives information on biBerk’s performance when businesses need support.
Official Website Reviews | biBerk displays over 40,000 customer reviews on its site, averaging 4.9/5. Customers like the quoting process, user-friendly online interface and helpful customer service. |
eKomi (independent review partner) | Independent reviews total over 13,000 (for the past 12 months), with an average rating of 4.9/5 and 98% positive sentiment. Reviewers praise speed, ease of use and affordability of biBerk’s offerings. |
Better Business Bureau (U.S.) | biBerk is BBB-accredited with an A+ rating. Customer reviews average 4.3/5 based on over 200 reviews. There are 339 complaints filed in the past three years, mostly around billing, policy changes, or COI delays. |
Trustpilot | With approximately 1,800 reviews, biBerk holds a 4.6/5 TrustScore. Positive feedback highlights support and good value; a minority cite struggles with cancellations or billing. |
Reddit Discussions | Mixed feedback. Some users warn that biBerk’s billing errors, COI delays and audit processes can be a problem. |
biBerk offers a good user experience during quoting and issuance. There are customer complaints to the BBB and on Reddit, which suggests inconsistencies in billing, cancellations, or documentation.
biBerk Business Insurance Industry Ratings
Independent ratings show biBerk's performance when customers need to file a claim. Industry assessments confirm its ability to handle claims and provide reliable customer service.
J.D. Power Recognition for Claims Excellence
biBerk’s policies are backed by Berkshire Hathaway subsidiaries, including Berkshire Hathaway Direct Insurance Company and National Liability & Fire Insurance Company. No verifiable ranking was found in J.D. Power's U.S.-based claims satisfaction studies.
National Association of Insurance Commissioners (NAIC) Complaint Index Performance
Data for Berkshire Hathaway Direct Insurance Company shows mixed results. Commercial liability has 0 complaints, while commercial property and auto show higher values (14.75 and 3.52 respectively).
Better Business Bureau (BBB) Status
biBerk is BBB-accredited (A+), yet it has a high volume of complaints around billing and service slowdowns.
These ratings suggest biBerk offers strong financial backing through its Berkshire Hathaway underwriters but struggles with consistency in complaint volumes and customer responsiveness.
biBerk Business Insurance Financial Strength Ratings
biBerk’s policies are underwritten by Berkshire Hathaway-owned insurers (e.g., Wellfleet Insurance, Berkshire Hathaway Direct, National Liability & Fire), all rated A++ (Superior) by AM Best—indicating top-tier financial strength and claims-paying capability.
biBerk Business Insurance Coverage Options and Add-ons
biBerk offers streamlined, essential business insurance suited for many small businesses, with an emphasis on digital ease and transparency.
Core | Combines general liability, commercial property and business income in one product | |
Core | Covers third-party bodily injury, property damage and advertising injury | |
Core | Covers employee medical expenses and lost wages from work-related injuries | |
Core | Protects against professional errors and omissions for service-based businesses | |
Core | Covers liability and physical damage for business vehicles | |
Umbrella | Core | Extends liability coverage beyond standard policy limits |
Cyber (Basic) | Specialized | Offers limited cyber protection; full scope may require contacting support |
Disclaimer
Deductibles, coverage limits and specific terms vary by policy and business type. Contact biBerk for detailed coverage information, including deductibles.
Coverage availability and eligibility depends on your type of business and state you are in. While the quoting process is highly streamlined online, some customers report issues with COI delays, billing errors and cancellations. Confirm details when you get your quote.
biBerk Business Insurance: Bottom Line
biBerk offers small business insurance coverage starting at $105 per month. Although it costs more than many other companies, customers rate the claims process as efficient. But, biBerk has only limited coverage options.
biBerk Business Insurance: FAQ
Based on our comprehensive analysis of biBerk's business insurance offerings, these frequently asked questions cover essential details about coverage options, insurance costs and the customer service experience.
How much can I expect to pay for biBerk business insurance?
biBerk offers competitive business insurance at an average of $105 per month ($1,258 annually). Coverage costs range from $75 per month for workers' compensation to $148 per month for business owners policies.
How much does biBerk business insurance cost by industry?
Business insurance costs range from $24 per month for DJs to $709 per month for pressure washing companies. Service-focused businesses like DJs face lower premiums than companies with physical property risks. Insurance rates directly correspond to each industry's inherent operational risks.
What industries does biBerk rank best for?
biBerk ranks first in 1 of 79 industries studied, specifically in veterinary services. The company offers competitive pricing across many industries, placing second for affordability in sectors like accounting, ad agencies and auto repair services.
Which states offer the cheapest biBerk business insurance rates?
North Carolina offers the lowest biBerk business insurance rates at $90 per month, while Washington has higher rates at $129 per month. biBerk ranks mid-range in pricing across states, influenced by local regulations, disaster risks and legal environments.
What are biBerk's biggest weaknesses compared to competitors?
biBerk ranks ninth for coverage options, offering fewer policy customization choices than leading competitors. The company also places eighth for affordability. Small businesses seeking extensive coverage flexibility and competitive rates should explore carriers with broader offerings and more competitive pricing.
How does biBerk's customer service compare to other insurers?
biBerk ranks fifth nationally for customer service (4.1) and third for claims processing (4.0). Customers frequently highlight responsive support teams and straightforward claims handling. Third-party review platforms show mixed feedback, with some concerns noted about processing times for complex claims.
What coverage types does biBerk offer for small businesses?
biBerk provides business owner's policies combining general liability, commercial property and business income coverage. Core standalone options include workers' compensation, professional liability and commercial auto insurance. They also offer cyber liability, employment practices liability and commercial flood coverage.
Is biBerk available in my state?
biBerk provides business insurance in most U.S. states. Business owner's policies have limited availability in Florida. Coverage types and eligibility depend on your business location, industry type and specific risk factors.
How financially stable is biBerk?
biBerk, a Berkshire Hathaway company, has an AM Best rating of A++ (Superior), S&P rating of AA+ (Very Strong), and Moody's rating of Aa1 (High Quality). These show the company's financial strength and ability to meet policyholder obligations. The company's NAIC complaint index stands at 0.82, indicating 18% fewer complaints than expected for its size.
How We Rated biBerk Business Insurance
Small business owners need reliable information to choose the right insurance carrier. Our analysis shows how biBerk performs on key factors that impact your business protection:
- Affordability (50% of score): We compared biBerk's pricing across all coverage types against nine other national carriers to determine cost effectiveness for small businesses.
- Customer experience (30% of score): We analyzed J.D. Power scores, complaint records and customer feedback to assess how well biBerk handles claims and supports clients.
- Coverage options (15% of score): We evaluated biBerk's insurance offerings, coverage limits and optional add-ons to determine how well they meet various business needs.
- Financial strength (5% of score): We reviewed financial stability ratings and company reports to verify biBerk's ability to meet claim obligations.
We gathered quotes from 79 industries across four coverage types, using a standard business profile of two employees, $300,000 in annual revenue and $150,000 in payroll. Our research reveals both the strengths and limitations of biBerk for your specific business requirements.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Better Business Bureau. "biBerk, a Berkshire Hathaway Company | BBB Reviews." Accessed September 1, 2025.
- Better Business Bureau. "biBerk, a Berkshire Hathaway Company | BBB Complaints." Accessed September 1, 2025.
- biBerk. "Read What Customers Say About Our Business Insurance." Accessed September 1, 2025.
- biBerk. "Small Business Insurance From biBerk." Accessed September 1, 2025.
- eKomi. "biBerk Business Insurance customer reviews." Accessed September 1, 2025.
- Trustpilot. "biBerk Business Insurance Reviews." Accessed September 1, 2025.
- Reddit. "Don’t use biBerk for professional liability insurance." Accessed September 1, 2025.