biBERK Insurance Services Insurance Ratings

biBERK Insurance Services Insurance Reviews 2023 (Ratings, Complaints & Coverage). A part of Warren Buffet's Berkshire Hathaway Insurance Group, biBERK Insurance is a US-based insurance provider that specializes in commercial products that are aimed for small-to-mid-size businesses.

They offer more than 40 years of experience and have more than 100,000 satisfied customers. If you are an entrepreneur who has recently launched a new business or are an established business owner and are looking to change your insurance providers or expand your coverage, biBERK Insurance Services may be the right option for you.

If you are a business owner looking to buy liability insurance, read biBERK Insurance Services reviews to learn about biBERK Insurance Services' products.

Check out biBERK Insurance Services reviews, ratings, complaints & coverage for general liability, workers compensation and other small business insurance commercial policies.

Following are some of the answers to commonly asked biBERK Insurance Services small business insurance questions:

Does biBERK Insurance Services Offer Business Insurance?
What Types Of Commercial Insurance Does biBERK Insurance Services Offer?
How Much Does biBERK Insurance Services' Small Business Insurance Cost?
Are biBERK Insurance Services' Commercial Insurance Reviews & Ratings Good?

Does biBERK Insurance Services Offer Business Insurance?

Yes, biBERK Insurance Services offers business insurance with a focus on small business commercial policies.

What Types Of Commercial Insurance Does biBERK Insurance Services Offer?

biBERK Insurance Services offers small business insurance policies including: General Liability, Professional Liability, Commercial Property, Workers Compensation, Commercial Auto and others.

How Much Does biBERK Insurance Services' Small Business Insurance Cost?

The average cost of biBERK Insurance Services' commercial insurance policies ranges from $29 to over $109 per month, and is mainly based on your business's: Industry, Location, Gross Sales, Employees and/or Payroll, Policy Limits, Endorsements, Deductibles, Experience & Claims History.

About biBERK Insurance Services Insurance

According to their website, "biBERK Business Insurance was founded in 2015 to address what had become an unfortunate truth about small business insurance: obtaining a policy was complicated, confusing, and costly.

Since that time, we have transformed and modernized the buying process.

Supported by the financial strength of the Berkshire Hathaway Insurance Group, biBERK helps protect small businesses and ensure they stay in compliance with state law."

biBERK Insurance Services' Small Business Insurance Products

biBERK Insurance Services reviews appear to be good online. biBERK provides a variety of commercial insurance coverage options for small to medium sized companies, including:

Workers' Compensation - Whether you employ a staff of 5, 50, or 500, it's more than likely that you'll need to carry workers' compensation insurance in order to by complaint with federal and state laws and regulations. Workers' compensation insurance protects your employees from work-related illnesses and injuries. For example, if a member of your staff sustains an on-the-job injury, requires medical care, and is unable to work while recovering, workers' compensation will cover the cost of their medical care and replace lost wages.
Errors And Omissions - Also known as professional liability or simply E&O insurance, this type of commercial coverage protects your business from negligence claims. For example, if you offered professional advice to a client and he or she lost business as a result of that advice and filed a lawsuit against you, E&O insurance would help to cover the legal costs that are associated with the claim.
Commercial General Liability - As a business owner, you are liable for any third-party injuries or property damages that occur on your commercial property. Commercial general liability insurance will cover the cost of these claims. For instance, if a vendor trips over an electrical wire while making a delivery at your facility, sustains an injury, and files a lawsuit against you, commercial general liability insurance would cover your legal expenses.
Business Owner's Policy - A business owner's policy, or BOP, combines commercial property and general liability insurance in one policy. Not only does it cover third-party liability claims, but it also covers the cost of damages and repairs that may be required if the physical structure of your business or the contents within it are damaged as a result of certain perils. Examples of perils include fire, pipe bursts, theft, and vandalism.
Commercial Auto - If you rely on any vehicles for business-related purposes, commercial auto insurance will cover the cost of any damages that may occur if those vehicles are involved in a collision.
Umbrella - An umbrella policy offers an additional layer of liability protection. It covers expenses that go beyond the limits of your general liability or BOP policy. If you exceed the limits on these policies, an umbrella policy will go into effect.

According to their website, biBERK's business insurance policies are mainly underwritten by Wellfleet Insurance Company ("WIC"), Berkshire Hathaway Direct Insurance Company ("BHDIC"), National Liability and Fire Insurance Company ("NLF"), or Wellfleet New York Insurance Company ("WNYIC").

Industries biBERK Insurance Services Covers

biBERK Insurance Services reviews are fair on different rating sites. Some of the many industries biBERK Insurance Services include:

Accounting And Finance Companies

biBERK Business Insurance says, "A professional liability policy (also called errors & omissions), can cover legal fees and damages awarded by a court. You can also purchase a cyber liability add-on to protect you in the event of the loss of your clients' sensitive information in a data breach."

Accountants
Accounting clerks
Accounting information system specialists
Accounts payable/receivable clerks
Actuaries
Auditors
Bankers
Bookkeepers
Budget analysts
Business valuation specialists
Capital accountants
Chartered accountants
Comptroller/financial controllers
Cost accountants
CPAs
Financial advisors
Financial analysts
Financial brokers
Financial managers
Financial planners (certified financial planners),
Forensic accountants
Payroll accountants
RIAs (registered investment advisors),
Statutory auditors
Tax accountants
Tax advisors
Tax consultants
Tax preparers

Auto Service Companies And Dealerships

biBERK Business Insurance says, " General liability protects against several types of claims, including faulty repairs and damage to customers' cars due to hail or fire. Add a garagekeeper's liability policy to cover vehicles in your care, custody, and control."

Auto body technicians
Auto dealership owners
Automotive equipment installation specialists
Automotive paint and body specialists
Auto shop owners
Automotive technicians
Auto van conversion companies
Car mechanics
Diesel mechanics
Master mechanics
Mobile car mechanics
Auto salespersons/sales associates
Service managers
Tire technicians
Transmission technicians
Vehicle inspectors

Cleaning And Janitorial Services Companies

biBERK Business Insurance says, "Business insurance is important for cleaning and janitorial services, where slips and falls are common. Your company could be held responsible for injuries, whether to your employees or building occupants."

Cleaners
Cleaning Service company owners
Housekeepers
Janitors
Janitorial service company owners
Maids
Maid service company owners
Window cleaners
Window cleaning company owners
Air duct cleaning services
Building and grounds cleaning and maintenance (I think this should go under landscaping),
Carpet cleaning, rug cleaning, and upholstery cleaning companies
Dry cleaners and launderers
Dry cleaning plants
Debris removal services (I think this should go under landscaping),
Waste and garbage collection company owners
Sewer or tank cleaning services
Street cleaning services
Swimming pool service technicians
Swimming pool cleaning services
Waste collectors and garbage collectors

Construction And Contracting

biBERK Business Insurance says, "Business insurance is important to construction and contracting companies, where injuries, equipment damage, and property damage are all commonplace."

Airport runway construction companies
Cabinetry or interior trim companies
Commercial iron and steel framing
Concrete construction companies
Commercial remodeling
Conduit construction companies
Drywall companies
Electricians and electrical contractors
Fencing companies
Finish carpentry
Flooring installation companies
Framers
General contractors with 1099
Glazing companies
Handyman
HVAC companies and contractors
Masons
New home construction
Painters
Plumbers
Remodelers
Residential iron and steel framing companies
Residential remodeling general contractors
Road and street construction companies
Rough carpentry

Consultants

biBERK Business Insurance says, "You and your team could be responsible for errors you make or anything you omit while providing services. A professional liability policy can cover legal fees and damages awarded due to these issues. Most companies also face potential data loss or data theft, which could expose you to liability for affected clients."

Agricultural consultants
Architectural consultants
Business consultants
Career coaching consultants
Educational consultants
Engineering consultants
Environmental consultants
Financial consultants
Generalist consultants
Human resources consultants
Image consultants
IT consultants
Management consultants
Marketing consultants
Operation consultants
Political strategist consultants
Retail sales consultants
Social media consultants
Software consultants Specialist consultants

Health Care Services

biBERK Business Insurance says, "There are many kinds of business insurance out there, but as a health care facility owner, you have very unique needs."

Acupuncture offices
Chiropractor offices
Dental offices
Dermatology practices
Dialysis centers
Ear, nose, and throat practices
Health care facility owners
Home health care companies
Massage centers
Medical facilities
Medical practices
Physical therapy offices
Occupational therapy offices
Physician practices
Rehabilitation centers
Surgical centers

Information Technology Services

biBERK Business Insurance says, "Business insurance is important to IT companies. Liability for even small mistakes can be large, so you need a technology errors and omissions policy. Equipment replacement following accidents or natural disasters is covered by a business owner's policy."

Application development
Automated data processing services
Cloud architects
Computer consulting
Computer technical support specialists
Data architects
Database administrators
Database designer
Development operations engineers
Ecommerce
Hardware engineers
Information technology vendor managers
IT consultants
IT specialists
Mobile application developers
Network administrators
Software engineers
Solution architects
User interface designers
Web design
Web developers

Lawn Care And Landscaping Services

biBERK Business Insurance says, "Employees can experience injuries or illnesses, and you could be liable, so workers' comp coverage is necessary. Equipment can be stolen or affected by bad weather."

Commercial lawn care
Landscaping companies
Landscape architects
Landscape designers
Landscape specialists
Landscapers
Lawn care business owners
Lawn care foremen
Lawn care specialists
Lawn care technicians
Lawn maintenance
Lawn mowing services
Residential lawn care companies Tree services

Residential Building Owners

biBERK Business Insurance says, "Business insurance is extremely important for anyone who owns a building with tenants. There are simply too many hazards that can impact your buildings, as well as your tenants and their property. A property and liability policy will protect you from many common liabilities associated with rental properties, including those associated with tenant injuries due to things like slips and falls."

Apartment owners
Apartment building owners
Building operations managers
Building owners
Commercial building owners
Commercial property owners
Community association managers
Condominium building owners
Landlords
Property owners
Residential property managers
Townhouse building owners

Restaurants And Food Service

biBERK Business Insurance says, "Business insurance is especially important to restaurant owners because of the risks involved for customers and employees of your business. Those risks can include everything from slip and fall injuries or spoiled food that could lead to lawsuits to broken kitchen equipment that slows business."

Bar and grills, taverns, sports bars, and wine bars
Bistros
Buffets
Carryout
Caterers
Coffee shops and cafés
Concession stands/snack bars
Diners
Delis
Food delivery services
Food truck
Family restaurants
Fast food
Fine dining
Juice bars
Pizzerias
Restaurant franchises
Restaurant suppliers
Sandwich shops

Retail Businesses

biBERK Business Insurance says, "Business insurance is important to retail owners. Slips and falls can happen anywhere, so we recommend a general liability policy. Property and liability coverage addresses inventory losses from theft or damage. You also need coverage for the loss or damage of customer data with a data compromise add-on to a property and liability policy."

Art galleries
Book stores
Clothing stores
Computer stores
Department stores
Florists
Franchises
Furniture stores
Garden centers
Farm supply stores
General merchandise stores
Grocery stores
Hardware stores
Jewelry stores
Music stores
Online retail stores
Picture or frame shops
Party supply stores
Tux rental stores
Costume rental stores
Shoe store
Sporting goods store Tobacco stores

Transportation Services

biBERK Business Insurance says, "Business insurance is important for transportation companies. Most states mandate commercial auto liability coverage for businesses that own or lease vehicles."

Air transportation companies
Auto transport companies
Bicycle rental companies
Bus operations
Bus companies
Delivery – courier service
Dump truck hauling
Limousine companies
Livestock, equine, or animal transport
Logistics services
Moving van companies
Non-emergency medical transport
Paratransit companies
Scenic and sightseeing transportation
School transportation companies
Taxicab companies
Towing companies
Transportation of goods companies
Transportation services for the elderly
Trucking – local hauling
Trucking – long distance hauling

Are biBERK Insurance Services' Commercial Insurance Reviews & Ratings Good?

Following are some biBERK Insurance Services business insurance ratings found online which appear mixed:

BBB.org - The Better Business Bureau rates them 2.3 out of 5 stars.
eKomi.com - eKomi rates them 4.8 out of 5 stars.
benzinga.com - benzinga.com rates them 4.0 out of 5 stars.

biBERK Insurance Services' Contact Information

Address: 1314 Douglas St #1400, Omaha, NE 68102

Website: https://www.biberk.com/

The Bottom Line On biBERK Insurance Services

biBERK business insurance offers a variety of commercial policies, and if your business fits what they are looking for, they make securing insurance coverage online fairly easy. If you have a high risk business, or need a specialty insurance policy, you might do better with a local agent.

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biBERK Insurance Services Insurance
Reviews 2023