How can I Customize My Commercial Insurance Policies to Best Fit My Business?

May 18, 2022 | Commercial Umbrella

The different types of commercial insurance that biBERK offers provide broad coverage. However, you can get additional coverage by including what are called endorsements. These add-ons typically enhance the base coverage in some way. And whether you ultimately choose to purchase them or not, it’s important to understand the protection they offer.

  • Hired and non-owned auto liability coverage
  • Employment-related practices liability coverage
  • Employee benefits liability coverage
  • Contractors installation, tools & equipment coverage
  • Liquor liability coverage
  • Cyber coverage

Or, you might add cyber liability or pollution liability coverage to a professional liability policy. These and other add-ons expand the coverage and enhance the protection of the policy. 

Including Commercial Insurance Endorsements is Easy

At biBERK, we’ve made it easy to get a quote and buy insurance policies online. As you go through the purchase process, you can select the policies and associated endorsements that make the most sense for your business. And, if you have questions along the way, you can email or call us and one of our licensed insurance experts will be happy to assist you. 

It’s equally easy to add endorsements after you’ve purchased your policy. If, for example, you realize you need hired and non-owned auto liability coverage because you’re going to start renting a truck for a few days each month to make your deliveries, all you have to do is give us a call and we can quickly update your policy with that add-on.

What do Endorsements for Business Insurance Cost?

The best way to determine your business insurance cost—both for basic policies and endorsements—is with a free, self-service, online quote. It takes just a few minutes to get a quote. And if you decide to purchase coverage, you can do that online as well. However, if you have questions about getting a quote or buying a policy, our team is here to provide answers and assistance via email or phone. 

What Should I Look for in a Business Insurance Company?

Having the right coverage can protect you from a financial burden that threatens the financial stability of your business. Consequently, it’s crucial that you work with the right business insurance company. Some of the characteristics that our customers tell us they were looking for include:

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    A high customer satisfaction rating
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    Extensive insurance industry experience
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    Ample financial resources for paying claims
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    Competitive rates
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    An excellent customer experience

biBERK is 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.

In addition, we insure your company without middlemen or insurance brokers. That’s why you can save up to 20% over other insurance companies when you get your insurance from biBERK. And, we make the purchase process fast and intuitive. That means you can purchase the policies you need quickly and get back to running your business.

Plus, we offer the types of insurance that small businesses need to protect themselves from liability and losses:

  • Workers’ compensation insurance
  • General liability insurance
  • Business owners policies (BOP—also called property & liability insurance)
  • Professional liability insurance (also called errors and omissions or E&O)
  • Commercial auto insurance
  • Umbrella insurance

We also offer cyber insurance as an add-on to a biBERK BOP or general liability policy.