Updated: October 29, 2025

Advertising & Editorial Disclosure

Key Takeaways
blueCheck icon

Small businesses pay about $105 monthly ($1,258 annually) for biBerk business insurance. It places eighth in our affordability rankings

blueCheck icon

biBerk ranks fourth in customer service quality, showing solid performance in claims processing and support

blueCheck icon

With a ninth-place ranking for coverage options, biBerk offers more limited policy customization choices compared to leading providers

biBerk Business Insurance Ratings

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.

Overall Score4.406
Financial Stability4.905
Customer Service4.554
Coverage4.359
Affordability4.258

How Did We Determine These Scores?

Get Matched With The Best Business Insurer For You

Select your industry and state to get a customized company match.

Industry
State

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.

Data filtered by:
Select
Accountants4.405263
Ad Agency4.405252
Automotive4.602252
Auto Repair4.207252
Bakery4.602252
Barber4.207252
Beauty Salon4.405252
Bounce House4.702252
Candle4.702252
Cannabis4.602252
Catering4.207252
Cleaning4.305252
Coffee Shop4.405252
Computer Programming4.505252
Computer Repair4.504252
Construction4.406252
Consulting4.404252
Contractor4.702252
Courier4.602252
Daycare4.502252
Dental4.404252
DJ4.603252
Dog Grooming4.306252
Drone4.502252
Ecommerce4.305252
Electrical4.603252
Engineering4.702252
Excavation4.702252
Florist4.306252
Food4.209252
Food Truck4.504252
Funeral Home4.405252
Gardening4.306252
Handyman4.702252
Home-based4.404252
Home-based business4.405252
Hospitality4.207252
HVAC4.304252
Janitorial4.404252
Jewelry4.206252
Junk Removal4.402252
Lawn/Landscaping4.305252
Lawyers4.405252
Manufacturing4.602252
Marine4.602252
Massage4.207252
Mortgage Broker4.405252
Moving4.306252
Nonprofit4.702252
Painting4.304252
Party Rental4.702252
Personal Training4.602252
Pest Control4.502252
Pet4.603252
Pharmacy4.207252
Photography4.503252
Physical Therapy4.405252
Plumbing4.504252
Pressure Washing4.306252
Real Estate4.702252
Restaurant4.206252
Retail4.703252
Roofing4.206252
Security4.503252
Snack Bars4.404252
Software4.603252
Spa/Wellness4.207252
Speech Therapist4.405252
Startup4.604252
Tech/IT4.602252
Transportation4.602252
Travel4.602252
Tree Service4.604252
Trucking4.602252
Tutoring4.602252
Veterinary4.702252
Wedding Planning4.405252
Welding4.702252
Wholesale4.504252
Window Cleaning4.405252

How Did We Determine These Scores?

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.

Data filtered by:
Select
Alabama4.387253
Alaska4.394232
Arizona4.386253
Arkansas4.396253
California4.396253
Colorado4.396253
Connecticut4.406253
Delaware4.406253
Florida4.396253
Georgia4.386253
Hawaii4.384231
Idaho4.396253
Illinois4.405253
Indiana4.405253
Iowa4.406253
Kansas4.386253
Kentucky4.395253
Louisiana4.424243
Maine4.396253
Maryland4.395253
Massachusetts4.396253
Michigan4.396253
Minnesota4.396253
Mississippi4.406253
Missouri4.386253
Montana4.395253
Nebraska4.395253
Nevada4.405253
New Hampshire4.406253
New Jersey4.386253
New Mexico4.396253
New York4.425253
North Carolina4.406253
North Dakota4.396253
Ohio4.396253
Oklahoma4.385253
Oregon4.386253
Pennsylvania4.405253
Rhode Island4.396253
South Carolina4.406253
South Dakota4.386253
Tennessee4.386253
Texas4.406253
Utah4.396253
Vermont4.386253
Virginia4.386253
Washington4.396253
West Virginia4.386253
Wisconsin4.395253
Wyoming4.396253

How Did We Determine These Scores?

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?

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.

Data filtered by:
Select
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?

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.

Data filtered by:
Select
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?

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.

Affordability4.108
Claims Process4.003
Customer Service4.105
Digital Experience4.205
Policy Management4.205
Recommend to Others4.303

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.

    trustSeal icon
    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.

    trustSeal icon
    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).

    trustSeal icon
    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

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 Review Chart

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?

How much does biBerk business insurance cost by industry?

What industries does biBerk rank best for?

Which states offer the cheapest biBerk business insurance rates?

What are biBerk's biggest weaknesses compared to competitors?

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 headshot

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!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.


sources
Copyright © 2025 MoneyGeek.com. All Rights Reserved