biBERK review
Updated June 2026 · biberk.com
Scorecard
| NAIC complaints | ▴ Elevated · 2022–24Far more complaints than expected for its size (GL and commercial property, 2022–2024) |
|---|---|
| AM Best | A++ (Superior) — Berkshire Hathaway's major insurance subsidiaries carry AM Best's top rating; the strongest balance sheet on this site. |
| Trustpilot | 3.7 / 5 — the lowest of the digital-first carriers we track (~2,460 reviews (June 2026 snapshot), sharply split between 5-star and 1-star) |
| BBB | A+ (accredited) |
| Founded | 2015 |
| Ownership | Berkshire Hathaway — biBERK is the direct-to-small-business retail brand of Berkshire Hathaway Insurance Group. HQ Omaha, Nebraska. |
| Who holds the paper | Berkshire Hathaway Direct Insurance Company (BHDIC) |
| Pricing | GL from ~$27.50/mo; advertises up to 20% savings for buying direct. |
| Availability | Varies sharply by line (NerdWallet, 2026): professional liability in all 50 states + DC; workers' comp everywhere except the four monopolistic-fund states (WA, ND, OH, WY); BOP/GL/umbrella in ~28 states; commercial auto in ~21. |
The claims verdict
Financially bulletproof, operationally rough. The A++ Berkshire balance sheet means covered claims get paid — but 2022–2024 NAIC data shows far more GL and property complaints than its size predicts (NerdWallet's lowest complaints score), and its 3.7/5 Trustpilot is the weakest of the digital carriers, dominated by billing/collections friction and slow human follow-up. Fine while the policy runs clean; frustrating when you need a person to fix something.
What the regulator data says
NerdWallet's analysis of 2022–2024 NAIC data gave biBERK its lowest possible complaints score — far more GL and commercial-property complaints than its market share predicts. NerdWallet doesn't publish the numeric index; a more dramatic figure circulating in search results couldn't be tied to an authoritative source, so we won't print it.
Source: NerdWallet 2026 (NAIC data 2022–2024)
What customers report
Themes paraphrased from Trustpilot (3.7 / 5 — the lowest of the digital-first carriers we track, ~2,460 reviews (June 2026 snapshot), sharply split between 5-star and 1-star) and BBB (A+ (accredited)) — not verbatim quotes. ~31 listed complaints / ~206 reviews on the Omaha profile (June 2026); themes are billing disputes and claims-processing slowness.
What they love
- Easy online quote and setup; helpful named reps when you reach one
- Competitive pricing with a real direct-purchase discount
- Berkshire Hathaway A++ backing — nobody worries about solvency
- Good self-service policy tools
The gripes
- Billing problems — customers report being charged more than quoted, then pursued by collections
- Cancellation and refund 'run-around' experiences
- Slow claims and service: long holds, automated/AI deflection, infrequent updates
What practitioners say
Recurring themes from small-business communities and forums, paraphrased:
- The Berkshire name carries weight — practitioners trust it'll pay what's covered
- At least one widely-echoed thread advises against biBERK for professional liability specifically
- Billing, cancellation and documentation inconsistencies are the recurring gripes; some counter-reports rate the claims process as workable
Best for
Price-sensitive businesses with straightforward needs — especially professional liability or workers' comp — comfortable self-servicing online, who value a rock-solid carrier.
Look elsewhere if
Multi-line, multi-state operations (availability is patchy outside professional liability) or anyone who anticipates needing responsive billing/claims support.
Coverage offered
- General liability
- Business owner's policy (BOP)
- Workers' compensation
- Professional liability / E&O
- Commercial auto
- Umbrella
Scale & who uses them
No public customer count disclosed. Distributes direct and through marketplaces (listed on Simply Business and others).
Decided biBERK fits?
Quotes happen on the insurer's own site — we never collect your details.
Get a quote at biberk.com ↗Disclosure: some links to insurers may be affiliate links — if you get a quote through them we may earn a commission, at no cost to you. That never changes the data: complaint figures, ratings and review themes are reported as published, sources cited and dated. We are not an insurance agent or broker, and nothing here is advice. How we score
Sources
- https://www.nerdwallet.com/business/insurance/learn/biberk-insurance
- https://www.moneygeek.com/insurance/business/biberk-review/
- https://www.trustpilot.com/review/biberk.com
- https://www.bbb.org/us/ne/omaha/profile/insurance-agency/biberk-a-berkshire-hathaway-company-0714-300108690
- https://www.biberk.com/about-biberk
Review figures reflect snapshots taken June 2026 and change over time. NAIC complaint data is published by the National Association of Insurance Commissioners' Consumer Information Source; index values cited as facts with attribution. Conclusions are our editorial opinion based on the data disclosed above.