Buying small business coverage can feel slow and confusing, which is exactly the problem biBERK insurance set out to fix. biBERK is a direct-to-business insurer backed by Berkshire Hathaway, and it lets owners quote and buy policies online without an agent or broker. This review covers what biBERK offers, how strong it is, what it may cost, and how to reach support, with facts current as of July 2026.
Key facts at a glance
| Item | Detail |
|---|---|
| Founded | 2015 |
| HQ | Omaha, Nebraska |
| Products | Workers' comp, general liability, professional liability, BOP, commercial auto, umbrella, cyber |
| States/Region | Nationwide small business coverage |
| AM Best | A++ (Superior) underwriting carriers |
| Contact | 1-844-472-0967 |
What biBERK insurance is
biBERK launched in 2015 and is based in Omaha, Nebraska. It is part of the Berkshire Hathaway Insurance Group, and its policies are underwritten by Berkshire Hathaway Direct Insurance Company and other Berkshire subsidiaries. In plain terms, the financial muscle behind every biBERK policy is Berkshire Hathaway's balance sheet.
The pitch is simple. biBERK sells directly to business owners online, cutting out the middleman. The company says it insures more than 200,000 small businesses across the country.
What biBERK covers
biBERK focuses on the coverage types small businesses tend to need most:
- Workers' compensation
- General liability
- Professional liability, also called errors and omissions
- Business owners policy (BOP), which bundles property and liability
- Commercial auto
- Umbrella coverage
- Cyber insurance
That lineup covers a lot of common needs for contractors, consultants, retailers, and service businesses. Because everything runs through biBERK's online platform, you can often get a quote and a policy the same day.
How strong is biBERK financially
This is where biBERK stands out. Its underwriting carriers are rated A++ (Superior) by AM Best, the highest tier on that scale. That rating reflects very strong ability to pay claims and long-term stability. Ratings can shift over time, so confirm the current rating when you buy, but A++ is about as reassuring as it gets for a small business insurer.
biBERK is built for business coverage, so it will not quote your personal car or apartment. For that side of your life, Insurify compares personal auto and home quotes from 120+ providers at once and can surface savings of up to 50%. It is an easy way to handle your personal policies while biBERK covers the business.
Insurify
Insurify
Finding the best insurance shouldn't feel overwhelming. Insurify compares personalized quotes from 120+ top-rated providers in minutes — so you can save up to 50% on auto, home, renters, and pet insurance without the hassle.
Standout feature
Compare 120+ insurance carriers instantly. Save up to 50% on premiums.
Fees
Free
Pros
Compares 120+ carriers in real-time. Save up to 50% on premiums. BBB A+ rated.
Cons
Some users report unwanted communications from third-party providers.
What biBERK costs
biBERK leans hard on price as a selling point. Because it sells directly and skips broker commissions, the company says it can cost up to 20% less than policies bought through other insurers. That is biBERK's own figure, and real savings depend on your industry, payroll, location, and coverage limits. Rates and terms vary, so the only way to know your price is to run a quote.
The smart approach is to get your biBERK quote, then compare it against one or two other business insurers for the same coverage: direct and agent-based options like Acuity Insurance, CNA Insurance, The Hartford, or Chubb Insurance. Direct pricing is often competitive, but it is not automatically the lowest for every trade.
biBERK insurance customer service and contact
biBERK is built around self-service, but you can reach a person when you need to. The main customer service number is 1-844-472-0967. You can also manage quotes, payments, and policy changes through your online account, and the company offers email and web support for billing, claims questions, and coverage help.
Because there is no local agent, the trade-off is clear. You get speed and a lower price, but you handle more of the process yourself.
If your business is a solo operation run from home, you may also want personal coverage that is just as quick to buy. Lemonade is an AI-driven insurer offering renters, home, pet, life, and car policies you can set up from your phone in minutes. It pairs well with biBERK's online-first style for owners who prefer to skip agents entirely.
Lemonade
Lemonade
Insurance that's fast, affordable, and actually feels good. Lemonade uses AI to process claims in seconds and donates leftover premiums to causes you care about. Get renters, home, pet, life, or car insurance — all from one app.
Standout feature
AI claims in seconds. Giveback program donates unused premiums. 2.9M+ customers.
Fees
Varies by policy (renters insurance from ~$5/mo)
Pros
Lightning-fast AI claims processing. Social impact through Giveback program. Beautiful, easy-to-use app (4.9★ App Store).
Cons
Limited home insurance availability (28 states + DC only).
Pros and cons of biBERK
Pros
- Backed by Berkshire Hathaway with A++ (Superior) rated carriers
- Fast online quotes and same-day coverage in many cases
- Direct pricing that can run lower than agent-sold policies
- Covers the core small business needs in one place
Cons
- No local agent for hand-holding
- Built for small businesses, not personal insurance
- Self-service model means you do more of the work
Who biBERK is best for
biBERK fits small business owners who are comfortable buying online and want strong financial backing without paying for a broker. It is a good match for contractors, freelancers, consultants, and small shops that know roughly what coverage they need. If you want detailed guidance from a person who will build a custom program, an agent-based insurer such as Zurich Insurance or a specialty carrier like AIG Insurance may serve you better.
What customers commonly report
Across public feedback, owners often praise how quick and simple the online quote process is, plus the comfort of Berkshire Hathaway backing. Some mention that support runs through phone and online channels rather than a dedicated local agent, which suits certain owners more than others. Experiences vary by business type and claim, so your results may differ.
Frequently Asked Questions
Is biBERK a legitimate insurance company?
Yes. biBERK is part of the Berkshire Hathaway Insurance Group, and its policies are underwritten by Berkshire Hathaway Direct Insurance Company and other subsidiaries rated A++ (Superior) by AM Best. That backing points to very strong financial stability.
What does biBERK insurance cover?
biBERK offers small business coverage including workers' compensation, general liability, professional liability, a business owners policy, commercial auto, umbrella, and cyber insurance. It does not sell personal auto or home policies.
How much can biBERK save me?
biBERK says buying directly can cost up to 20% less than policies sold through other insurers, since it skips broker commissions. Actual savings depend on your industry, payroll, location, and limits. Rates and terms vary, so compare a couple of quotes.
What is the biBERK phone number?
You can reach biBERK customer service at 1-844-472-0967. You can also manage quotes, payments, and policy changes online, and the company offers web and email support for billing and claims questions.
