biBERK Insurance Review 2026

Each statement comes from the linked public source. "Checked" is the date we reviewed that source.

biBERK says it insures businesses "without a middleman or insurance broker" and passes the savings on, quoting policies "up to 20% less than policies with other insurance companies." That is the company's own claim. The way to test it for your business is to compare written proposals with the same limits, deductibles and covered activities. About biBERK.

The trade-off is who does the comparing. An agency such as the one in our Insureon profile may request proposals from several insurers. With biBERK, you deal with one insurance group, so you check the terms against other offers yourself.

Our guide to reading business insurance policies shows where to find the declarations page, exclusions and endorsements behind those answers.

Your price is the premium biBERK quotes for your business and the coverage you choose. The advertised "up to 20%" saving is a ceiling the company states, not a figure for any particular business. About biBERK.

When you have proposals from biBERK and another provider, enter them in our quote comparison worksheet. Record the full-term premium, taxes, fees, deductible and policy dates for each one, so the cheaper option is also the equivalent one.

Your declarations page names the company that issued your policy. biBERK's disclosures give each issuing insurer's state of domicile and its National Association of Insurance Commissioners (NAIC) company code, a number that identifies the insurer. Berkshire Hathaway Direct Insurance Company, for example, is listed with NAIC code 10391 and is domiciled in Nebraska. biBERK disclosures.

You can search that company name in the NAIC Consumer Insurance Search, which lets consumers verify the insurer names in a policy. Your state insurance department can confirm the insurer's license.

On financial strength, biBERK says each key subsidiary of the Berkshire Hathaway Insurance Group holds an A++ rating from AM Best. Berkshire's annual report says its major insurance subsidiaries are rated A++ (superior). Neither statement names the rating of each issuing company, so if a contract sets a minimum rating, look up the company on your policy at AM Best. About biBERK, 2025 annual report, page K-2.

You can download a basic certificate of insurance (COI) yourself once the policy is active. If a client asks to be named as an additional insured, biBERK handles that through a custom certificate request, which it says takes up to three business days. Plan for that gap before a job start date. biBERK certificate page.

A certificate is evidence of insurance, not the policy itself. New York's insurance regulator states that certificates "should not be used to amend, expand, or otherwise alter the terms of the actual policy." Our certificate of insurance checklist can help you review one before sending it. New York DFS Circular Letter No. 8 (1995).

To report a claim, biBERK directs policyholders to its online claim form or its claims phone line. It says a representative is assigned to each claim and sends status updates by email. Documents such as photos or a demand letter go to its claims email, with the insured's name and, if you have it, the policy number in the subject line. biBERK claims page.