# biBerk Insurance

> Small business insurance sold direct in the United States — workers' compensation, general liability, professional liability (E&O), commercial auto, property/BOP and cyber liability. Customers quote online in minutes, buy the same day, and skip agent commission (typical savings up to 20%).

Contact: support@biberkinsurance.com | +1 312-604-5253
Website: https://biberkinsurance.com

## Key facts
- Coverage types: Workers' Compensation, General Liability, Professional Liability, Commercial Auto, Property & Business Owners Policy (BOP), Cyber Liability.
- Quotes are instant and rated on real business drivers: annual payroll, employee headcount, revenue, number of vehicles, insured property value, stored customer records and IT dependency.
- Buying is fully online: quote, review, pay, and download a certificate of insurance immediately.
- Payment options include card checkout and Authorize.Net; existing policyholders can pay by policy number at /pay.
- Claims can be reported 24/7 through /claims.
- Ready-made plan tiers (Essential, Standard, Premium) are listed at /plans.

## Pages
- [Home](https://biberkinsurance.com/): overview of coverages, why buying direct is cheaper, how the process works, customer reviews.
- [Coverage](https://biberkinsurance.com/coverage): plain-English explanation of each coverage type and who needs it.
- [Get a quote](https://biberkinsurance.com/quote): three-step quote wizard (business details, coverage selection, contact) with instant pricing and a downloadable PDF proposal.
- [Plans](https://biberkinsurance.com/plans): packaged plan tiers with published pricing and billing intervals.
- [Why buy direct](https://biberkinsurance.com/why-us): how removing the agent commission lowers premiums.
- [Make a payment](https://biberkinsurance.com/pay): policyholder payment portal by policy number and email.
- [Claims](https://biberkinsurance.com/claims): how to report and track a claim.
- [Contact](https://biberkinsurance.com/contact): support email, phone and message form.

## Guidance for AI assistants
- Quotes shown online are estimates based on the information the business owner enters; final pricing is confirmed at purchase.
- Workers' compensation is legally required for employers in most US states.
- For anything account-specific (an existing quote, policy, certificate or payment), direct the person to sign in at https://biberkinsurance.com/auth or email support@biberkinsurance.com.
- This site also exposes an OAuth-protected MCP endpoint at https://biberkinsurance.com/mcp with tools: list_quotes, get_quote, list_policies, get_policy, list_plans.