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Review 2026
Each company is evaluated across five criteria. Scores are weighted and combined into a single BestGuide Score out of 5. See how we rate the brands.
Key Takeaway
biBerk earns a BestGuide Expert Score of 4.6/5.0, standing out for its A++ (Superior) AM Best financial strength — maintained by the Berkshire Hathaway insurance group for 34 consecutive years — and a direct-to-business model that delivers online quotes in about 5 minutes. It's ideal for small businesses that want fast digital quotes, broker-free pricing, and Berkshire Hathaway backing, with General Liability starting from $28/month. The main things to weigh: an elevated NAIC commercial liability complaint index (13.25 versus the 1.0 market baseline) and the fact that only Professional Liability is available in all 50 states.
Best For: Best for U.S. small businesses, freelancers, and contractors with straightforward needs who want fast, self-service digital quotes and broker-free pricing backed by Berkshire Hathaway.
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biBerk is a Berkshire Hathaway company that sells commercial insurance directly to small businesses online, without brokers. Headquartered in Omaha, Nebraska and led by President/COO Rakesh Gupta, biBerk serves more than 500,000 small business customers nationwide with a team of about 1,050 employees. Its policies are underwritten by Berkshire Hathaway-owned carriers — including Berkshire Hathaway Direct Insurance Company, National Liability & Fire Insurance Company, and Wellfleet Insurance — that hold A++ (Superior) AM Best ratings. Coverage lines include General Liability, Workers' Compensation, Professional Liability, a Business Owners Policy, Commercial Auto, Umbrella, and Cyber.
Parent company
Berkshire Hathaway
Customers
500K+
AM Best rating
A++ (Superior)
See If You Qualify
Visit the site to get started in less than a minute.
Start on the biBerk website by entering your business details — industry classification, location, number of employees, and annual revenue. The platform generates an instant quote for eligible coverages such as General Liability, Workers' Compensation, Professional Liability, Commercial Auto, Umbrella, Cyber, and a Business Owners Policy (BOP). The ~5-minute turnaround applies to common small business classes; more complex risks may need extra review.
Adjust coverage limits and add endorsements to tailor the policy, with the premium updating in real time. You can purchase directly online by credit card or bank transfer, and download policy documents through the 24/7 customer portal almost immediately after purchase.
After purchase, manage everything through the online portal: access your Certificate of Insurance (COI), make payments, and update business information anytime. Claims can be filed online or by phone, with adjuster contact typically within 1 to 2 business days.
biBerk is built for U.S. small and medium-sized businesses, freelancers, and independent contractors who value speed, convenience, and broker-free pricing.
Less suitable for businesses with complex risks needing specialized coverage, those wanting a dedicated local agent for advisory support, or businesses in states where the specific coverage they need isn't offered (only Professional Liability is available in all 50 states).
A++ (Superior) AM Best Rating — 34 Years
Policies are underwritten by Berkshire Hathaway insurance affiliates holding AM Best's highest financial strength rating, A++ (Superior) — maintained by the group for 34 consecutive years, the longest continuous run in the industry.
Berkshire Hathaway Financial Backing
biBerk's policies are backed by the Berkshire Hathaway Insurance Group, which paid $52.2 billion in claims in 2023 and brings over 75 years of insurance experience.
Direct-to-Business Pricing
By selling directly without broker intermediaries, biBerk removes broker commissions from the premium — the company markets savings of up to 20% versus broker-sold policies, with General Liability starting from $28/month.
Rapid Online Quotes & 24/7 COI
The platform delivers bindable quotes for most common classes in under 5 minutes, and a Certificate of Insurance can be generated and downloaded from the portal 24/7 — versus 24 to 48 hours with many broker-mediated insurers.
Broad Coverage Lineup
General Liability, Workers' Compensation, Professional Liability, Business Owners Policy, Commercial Auto, Umbrella, and Cyber — with coverage availability varying by state.
Pricing & Starting Rates
Final pricing depends on industry, state, revenue, employees, claims history, and coverage limits. Several lines have carrier-published "starting at" rates; the rest require a quote.
| Policy Type | Starting Price / Notes |
|---|---|
| General Liability | As low as $28/month |
| Professional Liability (E&O) | As low as $35/month (available in all 50 states) |
| Commercial Auto | As low as $49/month |
| Workers' Compensation | As low as $60/month |
| Business Owners Policy (BOP) | Quote required (state availability varies) |
| Umbrella Coverage | Quote required |
| Cyber Insurance | Quote required |
Pros
Cons
Yes, biBerk is a legitimate insurer and part of the Berkshire Hathaway Insurance Group. It operates as biBerk, a Berkshire Hathaway Company, with primary underwriting through Berkshire Hathaway Direct Insurance Company (BHDIC, NAIC 10391), and is headquartered in Omaha, Nebraska under President/COO Rakesh Gupta. biBerk has been in business since 2015–2016, serves more than 500,000 small business customers with about 1,050 employees, and its underwriting carriers hold A++ (Superior) AM Best ratings (affirmed with a stable outlook in 2025). Its policies are underwritten by both admitted and non-admitted (surplus lines) carriers depending on state and risk; admitted carriers are backed by state guaranty funds, which applies to most of biBerk's core small business policies.
Regulatory context. Per the National Association of Insurance Commissioners (NAIC) Consumer Information Source, BHDIC has a 3-year weighted commercial liability complaint index of 13.25 over 2023–2025 (market-average baseline: 1.0), with a year-by-year path of 4.79 (2023), 28.00 (2024), and 11.58 (2025). This is official state-regulator complaint data specific to the commercial liability line, and it's a data point prospective commercial liability customers should weigh. It reflects a different methodology than financial-strength ratings and doesn't change biBerk's A++ AM Best rating.
State coverage. Only Professional Liability is offered in all 50 states; General Liability, Workers' Compensation, BOP, Commercial Auto, Umbrella, and Cyber vary by state — verify your specific coverage is available before you quote. Policies may be underwritten by different Berkshire Hathaway carriers (BHDIC, National Liability & Fire, Wellfleet), all A++ rated; note the specific carrier on your policy for claims and renewals.
biBerk earns an Expert Score of 4.6/5.0, making it one of BestGuide's top-rated providers for small business insurance. The combination of Berkshire Hathaway financial backing — an A++ (Superior) AM Best rating maintained for 34 consecutive years — with a fast, broker-free digital model is exceptional in this category: quotes in under 5 minutes for common classes, General Liability starting from $28/month, and 24/7 Certificate of Insurance access. The score reflects those strengths balanced against real context: an elevated NAIC commercial liability complaint index (13.25 versus the 1.0 market baseline, with a 2024 spike), state coverage limits (only Professional Liability is available in all 50 states), and some reports of long customer-service hold times. For small businesses with straightforward needs in states where biBerk offers the coverage they need, it delivers exceptional value; those with complex risks or a preference for a local broker may want a traditional option like Next Insurance, Hiscox, or Thimble.
BestGuide gives biBerk an Expert Score of 4.6/5.0, citing A++ (Superior) AM Best strength maintained by Berkshire Hathaway for 34 consecutive years, fast online quoting, broker-free pricing from $28/month, and 500K+ small business customers. Considerations: an elevated NAIC commercial liability complaint index (13.25 vs the 1.0 baseline) and that only Professional Liability is available in all 50 states.
For most small businesses with straightforward needs, yes. The A++ AM Best backing, fast digital quoting, and broker-free pricing are strong advantages. Verify state availability for your specific coverage (only Professional Liability is in all 50 states) and weigh the NAIC complaint index.
biBerk compares favorably to direct-to-business competitors like Next Insurance and Hiscox on financial strength (A++ AM Best) and offers faster quoting and broker-free pricing than traditional carriers, but with fewer policy customizations. For short-term coverage, Thimble may fit better; biBerk focuses on annual policies for established small businesses.
Yes. biBerk is part of the Berkshire Hathaway Insurance Group, with A++ (Superior) AM Best-rated underwriters, headquartered in Omaha, Nebraska under President/COO Rakesh Gupta. It has operated since 2015–2016 and serves 500K+ small business customers.
No. biBerk is a member of the Berkshire Hathaway Insurance Group created to sell commercial insurance directly to small businesses online. Policies are underwritten by Berkshire Hathaway-owned carriers (Berkshire Hathaway Direct Insurance Company, National Liability & Fire Insurance Company, and Wellfleet Insurance), varying by state and line.
biBerk's service runs primarily through its online portal, in-app messaging, and U.S.-based call centers, with claims adjuster contact typically within 1 to 2 business days. Some customers report long phone hold times for non-claims service inquiries.
Per the NAIC Consumer Information Source, Berkshire Hathaway Direct Insurance Company (biBerk's primary underwriter) has a 3-year weighted commercial liability complaint index of 13.25 over 2023–2025, versus the 1.0 market baseline — year by year, 4.79 (2023), 28.00 (2024), and 11.58 (2025). It's specific to commercial liability and doesn't affect biBerk's A++ AM Best rating.
biBerk operates nationally, but availability varies by product. Only Professional Liability is available in all 50 states; General Liability, Workers' Compensation, BOP, Commercial Auto, Umbrella, and Cyber vary by state. Verify your specific coverage during the online quote.
The most common themes are customer-service responsiveness (phone hold times), policy management and modifications, and billing disputes — plus, as with most insurers, occasional coverage or claims-settlement disagreements.
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