• Certificate

out of 5 customer review rating and 200,000+ policies sold.

Protect Your Buildings, Your Residents and Your Employees

From damage to a tenant's personal property to wrongful eviction or tenant discrimination lawsuits, apartment owners have to be prepared for the potential financial impact from a wide range of risks.

At biBERK, we provide tailored business insurance coverage at savings of up to 20%. Whether you need workers' compensationprofessional liability (E&O)general liabilitybusiness ownersumbrella, or cyber insurance, just complete a simple form online or speak with our licensed insurance experts to get a fast, free quote. Plus, with biBERK, you can purchase a policy, manage it, and submit claims online for ultimate convenience.

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Why Do Residential Building Owners Need Insurance?

Business insurance is extremely important for anyone who owns a building with tenants. There are simply too many hazards that can impact your buildings, as well as your tenants and their property. A business owners policy will protect you from many common liabilities associated with rental properties, including those associated with tenant injuries due to things like slips and falls. It can also cover property damage and loss of income due to things like natural disasters, broken pipes, and accidental kitchen fires.

Our Business Insurance Covers Many Types of Residential Building Owners, Including:

    • Apartment owners
    • Apartment building owners
    • Building operations managers
    • Building owners
    • Commercial building owners
    • Commercial property owners
    • Community association managers
    • Condominium building owners
    • Landlords

What are the Different Types of Apartment Owner Insurance?

At biBERK, we offer seven different types of insurance for small business owners like you. Depending on the location of your business and other factors, certain types might be better for you than others.

Workers' Compensation Insurance

This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury.

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Umbrella Insurance

Every insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection: it can cover costs that exceed the limit of another liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.

Business Owners Policy

Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, employee benefits liability, and equipment breakdown/boiler & machinery.

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Why biBERK for Apartment and Building Owner Insurance?

We’re the experts when it comes to small business.

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 on to you - up to 20% less than policies with other insurance companies.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

Get a Quote Today

See why biBERK is easier and more convenient when you obtain your free quote online.