Small business insurance the smart way.
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Workers' Compensation
It protects your employees and your company if an employee is injured or contracts an illness while at work. Typically required by law, it also gives you and your workers peace of mind.
Example
Your employee falls off a ladder and injures his back. Workers' comp covers 100% of the related medical bills plus lost wages up to limits set by state law, with no deductibles or copays.
Business Owners Policy (BOP)
Shields you from general liability lawsuits plus provides protection from your property losses due to theft, fire, or other covered disasters. It may be required to buy property, accept bids, or do work as a subcontractor.
Example
A fire at your restaurant destroys equipment, but the loss is covered subject to a small deductible. Lost net income as a result of the event is also covered.
Professional Liability (E&O)
It protects you if you provide professional advice or services, preventing a financial loss if you make a mistake or fail to perform a service. It's often required to get contracts in the professional services industry.
Example
As a business consultant, you get sued for advising a company to open a new location after which they go bankrupt as a result of being spread too thin. Your E&O policy responds and covers defense costs.
General Liability
It protects you from property damage liability or injury claims made by customers against your business, preventing or minimizing your losses. It may be required to sign leases, accept bids, or do work as a subcontractor.
Example
Your contractor accidentally starts a fire at a worksite resulting in $150,000 in damages. With small business general liability insurance from biBerk, you would likely have help covering the costs.
Commercial Auto
It covers business-owned or leased vehicles, protecting you from financial losses from physical damage or liability caused by authorized drivers. It’s required if you transport goods or people for pay.
Example
You’re at fault in an accident but expenses like the cost to repair your vehicle are covered, less your deductible. Note: Some states have no fault coverages that cover the policyholder no matter who is at fault.
Umbrella
It provides extra liability protection beyond the limits of your other policies. If a claim costs more than your standard coverage, umbrella insurance may help to cover the gap.
Example
A customer slips and falls in a retail store, suffering severe injuries that result in a $1.5 million settlement. The store’s general liability policy has a $1 million limit. Umbrella coverage may help cover the excess, so your business doesn’t have to pay out of pocket.
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What is small business insurance?
What is small business insurance?
Small business insurance protects companies from the many risks associated with business operations. From accidents and injuries to natural disasters and professional "errors and omissions," crucial coverage provided by business insurance policies helps ensure that incidents don’t create an overwhelming financial burden on business owners.
What does small business insurance cost?
What does small business insurance cost?
What will you pay for small business insurance? The best way to find out is to get a convenient online small business insurance cost quote. It takes just a few minutes and you can even purchase a policy right from our website. If needed, you can file claims online, as well.
Our goal is to make the insurance process simple so business owners can focus on operations, not administrative tasks!
Small business insurance for nearly everyone.
biBerk is trusted by over 200,000 small businesses nationwide. Whatever your company does, it's likely we can help meet your business insurance needs. Some of the many industries we serve include:
A top-rated & financially secure business insurance company.
75+ Years of Insurance Expertise
Drawing on decades of expertise, biBerk stands proudly within Berkshire Hathaway Insurance Group, boasting over 75 years of insurance excellence. Each key subsidiary holds an A++ rating from A.M. Best Company, ensuring top-tier reliability.
$62 billion in Claim Settlements
As a testament to its dependability, Berkshire Hathaway serves millions of customers and disbursed an impressive $62 billion in claims in 2025 alone.
Tailored for Small Businesses
We directly insure your small business, cutting out the middleman and insurance broker. This streamlined approach allows us to pass on significant savings to you, offering policies up to 20% less than those from other insurance providers.
Real people. Real coverage.
See for yourself why customers trust us.
Small business insurance frequently asked questions:
We're always happy to talk with you about your insurance needs, but below are answers to some of the questions business owners frequently ask us.
Certain types of coverage may be required in your state and for your type of business. Plus, some companies require that the businesses they work with have insurance and some landlords require that you have insurance coverage. Our business insurance experts can help you understand what kinds of policies you need.
Most likely, yes. However, it depends on the state you’re in and the type of insurance you’re looking for. Check out our coverage maps for details.
Each business has unique insurance needs. Going through our online quote process or talking with one of our insurance experts are two great ways to better understand your needs. However, there are some “rules of thumb” to use as guidance. General liability insurance is needed if customers visit your premises, and errors and omissions insurance is important for individuals or businesses that provide a professional service or advice. If you have assets like equipment and furniture, or if you own buildings, a business owners policy (also called property & liability insurance) is important. And if you have employees, you'll need a workers' compensation policy.
