Small Business Insurance Coverage
Select from one of our coverages below to get started.
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Find insurance that's right for your business.
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.
Why biBerk for Small Business Insurance?
We’re the experts when it comes to insurance for small businesses.
Save time.
Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.
Save money.
We insure your small business directly, without a middleman or insurance broker, so we pass that savings along to you - up to 20% less than policies with other insurance companies.
Experienced.
We're part of the Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $62 billion in paid claims in 2023.
