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Small Business Articles

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Every small business needs business insurance. This may include policies like general liability, commercial auto, and others. The types and amounts of coverage vary based on the kind of work you do. But whatever biBERK liability coverage you have, commercial umbrella insurance can provide an added layer of protection. Read More

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When considering, “What is professional liability insurance?”, it is maybe best summarized by another name that’s often used for it: errors and omissions insurance (or E&O insurance). A professional liability insurance definition would say it’s a type of small business insurance coverage that protects you from financial consequences if a client accuses you of not living up to the accepted standards and best practices of your profession.  Read More


People who make a living providing professional advice or services to clients are required to adhere to certain standards and best practices for their industry. If that describes you or your company, you face the risk that a client may feel that you made a mistake that adversely affected them and sue you for the financial damages they believe were caused by your error. Read More

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Running a small business comes with many risks. Consequently, having the right small business insurance is essential. Without policies like general liability, workers’ compensation, professional liability, property & liability, commercial auto, cyber insurance, and commercial umbrella, your company could be hit with liability lawsuits or losses that result in an unbearable financial burden. Sadly, many businesses close their doors every year for this reason. Read More

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Operating any type of business involves risk or liability. Fortunately, there is small business insurance that can protect you from the financial impact of those risks. Two of the many types of coverage available are professional liability insurance (also called errors and omissions or E&O insurance) and general liability insurance. When it comes to general liability versus professional liability, it can be difficult to know which type of coverage you need. Read More

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Every business faces risk—things like employee injuries, visitor slip-and-fall accidents, professional “errors and omissions,” and work-related auto accidents. The liability and financial loss from these types of incidents and many others can devastate a small company that isn’t properly insured. Read More

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Workers’ compensation insurance is a type of insurance that is generally required by state law for any company that has employees, and in some states, for those who use independent contractors. It provides financial protection for workers who are injured or become ill on the job. It also protects businesses from the high cost of workplace injuries. Read More

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A business owners policy (or BOP) and a general liability policy have many things in common. For example, they both provide protection from financial liability for many types of incidents. This includes accidental damage to customer property and injury to non-employees on the policyholder’s property. Read More

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Small businesses that have purchased insurance policies like workers’ compensation, general liability, and professional liability (also called errors & omissions or E&O) from biBERK will sometimes ask, “Do I need a commercial umbrella insurance policy?” Read More