Small business insurance without the markup
Get workers' compensation, liability, auto and property coverage tailored to your business. Quote online in minutes — and keep the commission for yourself.
- No agent fees
- Same-day certificates
- 24/7 claims reporting
Coverage built around your work
Whether you run a contracting crew, a clinic or a consultancy, mix and match the protection your business actually needs.
Workers' Compensation
Medical costs and lost wages if an employee is hurt on the job. Required in most states.
Learn moreGeneral Liability
Third-party bodily injury, property damage and advertising injury claims.
Learn moreProfessional Liability
Errors & omissions protection when your advice or service is challenged.
Learn moreWhy owners choose biBerk
We cut out the middleman so the money goes into your coverage — not somebody's commission.
See the differenceSave up to 20%
You buy straight from the carrier, so there is no agent commission built into your premium.
Quote in minutes
Answer a few questions about your business and bind coverage the same day.
Pay as you go
Flexible monthly payment plans with no hidden installment fees.
Backed by strength
Claims paid by financially strong, A+ rated underwriting partners.
Covered in three simple steps
Tell us about your business
Industry, payroll and a few basics — about 5 minutes.
Review your quote
See pricing and limits instantly, adjust coverage as you like.
Buy and get documents
Pay online and download your certificate immediately.
See how it works
A quick look at how small business owners quote, buy and manage coverage online.
Trusted by small businesses
Real reviews from policyholders who bought direct.
“Very easy to get a quote and start the policy.”
“Thanks”
“Great”
“Straight answers, no upsell. Renewal was just as painless as signing up.”
Find out what you could save in about five minutes
No paperwork, no phone tag. Get a real price for your business today.
Get my free quote