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biBerk Insurance:
An Honest Review

4 years of placement experience with the Berkshire Hathaway small business carrier. A++ financial strength behind straightforward digital small business coverage.

★ ★ ★ ★ ★
Options Insurance Rating
4.0 / 5
Berkshire Hathaway Small Business
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A++
AM Best — Berkshire Hathaway
10+
Years in Business
15 yrs
Options Placement Exp.
Direct
Online + Agent Channel
Overview

About biBerk Insurance

biBerk is a direct subsidiary of Berkshire Hathaway Specialty Insurance — Warren Buffett's insurance conglomerate and one of the most financially secure entities in the world. With A++ AM Best ratings and a BBB A+ accreditation, biBerk's financial backing is among the strongest of any carrier in our portfolio. The company was founded in 2015 with a mission to provide simple, affordable small business insurance that can be quoted and purchased online without an agent.

biBerk's product lineup covers the core small commercial lines: General Liability, Business Owner's Policy, Workers' Compensation, Professional Liability (E&O), Commercial Auto, Cyber Insurance, and Umbrella. All products can be quoted online directly by business owners, or through independent agents like Options Insurance. The digital-first platform is fast and easy for straightforward risks. The Berkshire Hathaway credibility gives biBerk instant recognition with business clients who know the Buffett brand.

Options Insurance began placing clients with biBerk in 2021. The experience has been consistent with their positioning: best for simple, straightforward small business risks where the Berkshire Hathaway financial strength is a compelling selling point. For more complex or unique risks that require nuanced underwriting, biBerk's limited customization options mean we look elsewhere. But for the right client — a simple office-based business or single-location retailer who wants Berkshire Hathaway behind their policy — biBerk delivers.

Quick Stats

AM Best Financial StrengthA++ Superior — Berkshire Hathaway Specialty Insurance
BBB RatingA+ Accredited
Parent CompanyBerkshire Hathaway — Warren Buffett's Conglomerate
Product FocusSimple Small Business — Straightforward Risks Only
Distribution ModelDirect Online + Independent Agents
Founded2015 · Available in Select States
Options Placement Experience4 Years (Since 2021)
Lines We WriteGL, BOP, Workers Comp, Professional Liability, Commercial Auto, Cyber, Umbrella
What They Do Well

biBerk's Genuine Strengths

What works about biBerk — particularly the Berkshire Hathaway credibility.

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A++ Berkshire Hathaway Financial Strength

biBerk's financial backing is the strongest in our InsurTech portfolio — A++ AM Best via Berkshire Hathaway Specialty Insurance. For business clients who care about the financial strength of their insurer, the Berkshire Hathaway name carries immediate credibility. This is the same financial institution that backs USLI and Geico. When a client asks "who is behind my coverage?", biBerk's answer is among the best available.

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Fast Digital Quoting for Simple Risks

biBerk's online platform delivers fast quotes for straightforward small business risks. Simple GL, BOP, and professional liability for office-based businesses, consultants, and single-location retailers can be quoted, bound, and issued digitally. For business owners who want coverage quickly without extensive back-and-forth, biBerk's platform is genuinely efficient for the right risk type.

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Full Small Commercial Line Lineup

biBerk offers GL, BOP, workers' comp, professional liability, commercial auto, cyber, and umbrella — the full suite of core small commercial lines in one platform. For simple businesses needing multiple lines, consolidating through biBerk simplifies the coverage management and billing experience. The Berkshire Hathaway umbrella — backed by the same financial strength — is a compelling option for businesses needing excess liability.

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Competitive Pricing for Straightforward Risks

biBerk's direct model allows them to price competitively for low-hazard, straightforward small business risks — they're not supporting a traditional agent commission structure on direct business. For simple businesses that fit their appetite cleanly, biBerk's pricing is often competitive against traditional market carriers writing the same class.

Where They Fall Short

Honest Gaps to Know About

No carrier is perfect. These are areas where, in our experience and based on third-party data, biBerk has room to improve.

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Limited Product Lineup and Customization

biBerk's product lineup is intentionally simple. Non-standard classes, unusual operations, high-hazard businesses, or accounts requiring manuscript endorsements are better placed with carriers that have flexible underwriting. biBerk's algorithm-driven platform doesn't have room for nuance — it works for clean, standard risks and struggles with everything else.

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Complex or Unique Risks — Better Placed Elsewhere

If a business has unusual operations, a complex loss history, or coverage needs beyond standard small commercial forms, biBerk will either decline or offer inadequate terms. For those clients, we use Travelers, CNA, The Hartford, or other carriers with deep commercial underwriting relationships.

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Limited State Availability

biBerk is not available in all 50 states and coverage varies by product and state. For Minnesota clients, most core lines are available. For businesses with multi-state operations, availability should be verified before placing.

Best Fit For

Is biBerk Right for You?

Here's an honest picture of who belongs with biBerk — and when the Berkshire Hathaway name isn't enough on its own.

✓ Great Fit

  • Simple, straightforward small business risks — office-based, retail, light service
  • Clients who want Berkshire Hathaway financial strength behind their policy
  • Businesses needing GL, BOP, WC, PL, cyber, or umbrella quickly and digitally
  • Low-hazard business classes that fit cleanly into biBerk's digital underwriting model

✗ Not Ideal For

  • Complex, unusual, or high-hazard business operations
  • Businesses needing customized coverage or manuscript endorsements
  • Multi-state operations where biBerk's availability gaps may create coverage holes
Options Verdict

We Place Clients with biBerk When...

"biBerk is backed by the financial strength of Berkshire Hathaway, which gives them strong credibility. Best suited for simple, straightforward small business risks — when the business is clean and the class is standard, the Berkshire Hathaway name adds real comfort for clients who recognize it."

— Carolyn Todd, Commercial Lines Agent, Options Insurance

💎 Berkshire Hathaway A++ 🏢 Simple Small Business GL 📋 BOP 🚧 Workers Comp 🩺 Professional Liability 🚗 Commercial Auto ☂️ Commercial Umbrella ⚡ Digital Quoting
Client Resources

biBerk Policyholder Contacts

Already a biBerk client through Options Insurance? Here are the resources you need.

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Report a Claim

1-844-221-6948

biBerk's main line for claims and customer service. Available during business hours. You can also file claims online at biberk.com. Your Options Insurance agent can help coordinate the claims process.

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Customer Service

1-844-221-6948

Policy changes, billing, and general service. For most policy changes, your Options Insurance agent is the fastest route. Carolyn manages biBerk relationships directly.

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Online Portal

biberk.com

Manage your policy, make payments, download certificates, and file claims online. biBerk's digital-first platform handles most policyholder needs through the web portal.

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Certificate of Insurance

biberk.com/certificate-of-insurance

biBerk allows policyholders to generate and download certificates of insurance directly from their portal — a fast, self-service feature for businesses that need to provide COIs to clients or landlords on demand.

Featured Agent
Carolyn Todd, Commercial Lines Agent at Options Insurance

Carolyn Todd

Commercial Lines Agent

Carolyn is Options Insurance's lead commercial lines agent and primary biBerk placement agent. She reaches for biBerk when the risk is simple and the Berkshire Hathaway financial backing is a meaningful selling point. "biBerk is backed by the financial strength of Berkshire Hathaway — strong credibility for clients who know the name. These InsurTechs succeed by picking their lanes. biBerk's lane is simple, straightforward small business with A++ financial backing behind it. When the risk fits cleanly, it goes really well. One important note: always double-check the forms. biBerk uses proprietary policy language — verify coverage details rather than assuming standard market terms apply."

(952) 392-9508 Email Carolyn
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The opinions expressed on this page reflect the experience of Options Insurance agents based on policies placed and client feedback received over 15 years. Individual results may vary. Options Insurance is appointed with biBerk as an independent agent. This review is not sponsored, approved, or endorsed by biBerk or Berkshire Hathaway Specialty Insurance. AM Best, J.D. Power, and NAIC data are sourced from publicly available reports and are cited for informational purposes. Ratings are subject to change. biBerk is a subsidiary of Berkshire Hathaway Specialty Insurance Company, rated A++ Superior by AM Best. Coverage availability varies by state and business class. Comparison data is based on publicly available third-party research. Coverage availability and terms vary by state, risk profile, and underwriting criteria. This page does not constitute a coverage guarantee or binding commitment.

Last updated: May 19, 2026