Comparing NEXT Insurance and biBerk for your contracting business? Here’s the honest breakdown — and the fastest way to see which one actually prices better for your trade. Get multiple quotes within minutes.

How they compare

Both are popular digital-first options for small contractors, but they come at it differently. NEXT is built for speed and self-service — instant quotes, self-issued certificates, everything in an app. biBerk is Berkshire Hathaway’s direct writer, leading with financial strength and competitive pricing on the clean risks it wants. NEXT usually wins on convenience and same-day COIs; biBerk appeals to contractors who prioritize a rock-solid carrier and don’t mind a less app-driven experience. For your specific trade and state, the cheaper one flips — which is why quoting both matters.

What actually decides it

• Speed & self-service: NEXT leads — instant COIs you issue yourself
• Financial strength: both excellent; biBerk carries the Berkshire Hathaway name
• Appetite: both favor smaller, cleaner contractors — heavier trades should also quote broad-appetite carriers
• Buying experience: NEXT app-first; biBerk direct-online

Read the full reviews

Go deeper on each: NEXT Insurance contractor review and biBerk contractor review. Or skip ahead — we’ll quote both for you side by side.

Frequently asked questions

Is NEXT or biBerk cheaper for contractors?

It depends on your trade, state, and payroll — their filed rates and appetites differ enough that the cheaper carrier changes from one contractor to the next. Quoting both is the only reliable way to know.

Which is better for a certificate of insurance, NEXT or biBerk?

NEXT is known for instant, self-service certificates of insurance you can issue yourself, which is an advantage when a general contractor needs a COI before you start work.

See both prices side by side. Get multiple quotes within minutes from an independent agency that shops the whole market.