biBerk is Berkshire Hathaway’s direct small-business insurer, and its pitch is simple: buy direct, save on the middleman. For contractors that appeal is real — but it also means no agent shopping the rest of the market for you. That’s exactly where an independent agency helps: we quote biBerk’s markets alongside a dozen others so “direct” doesn’t mean “only option.” Get multiple quotes within minutes.

biBerk at a glance

Strengths

• Backed by Berkshire Hathaway’s financial strength — among the most stable balance sheets in insurance
• Competitive pricing on the light-to-medium hazard trades it targets
• Straightforward online workers’ comp and liability for small contractors

Trade-offs

• Direct model means no independent agent advocating or remarketing at renewal
• Appetite is selective — harder trades and larger accounts often fit better with other carriers
• You won’t know if it’s cheapest without comparing it to the wider market

Which contractors biBerk fits

biBerk is a strong option for small, clean contractors who want a financially rock-solid carrier. Because its appetite is selective, it’s best evaluated side by side with broader-appetite markets like AmTrust or GUARD.

How to compare biBerk the smart way

The only way to know if biBerk is your best deal is to see it next to other carriers for your exact trade, state, and payroll. As an independent agency, that’s exactly what we do — one submission, multiple carrier quotes, an honest side-by-side. See our other carrier reviews or get multiple quotes within minutes.

Frequently asked questions

Is biBerk a legitimate insurance company?

Yes — biBerk is the direct small-business arm of Berkshire Hathaway, one of the most financially stable insurers in the world. It sells directly to businesses online.

Should I buy biBerk direct or through an agent?

Buying direct removes an agent, but also removes anyone shopping the wider market or remarketing your policy at renewal. An independent agency can quote biBerk’s markets alongside many others so you see the full picture.

Want biBerk quoted against the market? Get multiple quotes within minutes — and for the deep dive on workers’ comp specifically, see our sister site USAWorkersComp.com.