Every small company needs business insurance, and every business insurance policy has a “limit,” meaning how much it will pay for a covered incident. It’s important that your coverage increases as your business risk increases—like when you hire more people, start working for a larger number of clients, or take on different types of work or new types of clients.
When those types of changes occur, an important question that should come to mind is, “How do I increase my business insurance limits?” Why? Because you want to have enough coverage that you aren’t left with a large out-of-pocket expense if the unexpected happens.
Every insurance company has its own process for making changes like increasing small business insurance limits. At biBERK, our focus is on making sure you understand why you need to bump up your limits and ensuring that it’s easy to have that update implemented.
We find that the best way to do that is to get on the phone with you to talk about what’s changed with your business so that you get more coverage, but only as much as you need. You can reach our licensed insurance experts at 1-844-472-0967. You can also contact us with questions at email@example.com.
Very quickly, we can determine how your limits should be modified. We can also provide insight on whether different types of small business insurance coverage are needed based on how your company has grown or changed.
When it comes to protecting your company, we believe the best small business insurance provider is one that has:
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 directly, without middlemen or insurance brokers. The result is that you can save up to 20% over other insurance companies. And, our purchase process is fast and intuitive, so you can get the coverage you need and return your attention to running their business.
If you decide to purchase additional coverage from biBERK, you may wonder what the insurance will cost. That depends on factors like the type of insurance you buy, what type of work you do, what state you’re in, and others. But you can get a fast, free, self-service quote online, and it only takes a few minutes.
You can always contact our licensed insurance experts with questions. But answers to some of those we get asked most frequently are below for your convenience.
We offer the coverages that small businesses need most: workers’ compensation insurance, professional liability insurance (also called errors and omissions or E&O), general liability insurance, business owners policies (BOP—also called property & liability insurance), commercial auto insurance, and umbrella insurance. We can also provide cyber insurance as an add-on to a biBERK BOP, professional liability, or general liability policy.
In most cases, yes. But it depends on the state you’re in and the type of insurance you’re looking for. Check out our coverage maps for details.
With biBERK, you can buy a policy online in as little as five minutes, with coverage beginning as soon as the next day in most instances.
The best ways to determine your needs are to go through our self-service quote process or get in touch with one of our experts by email or phone.
Every company is different, but there are often business insurance requirements, such as from your state, the companies you do business with, or your landlord. Our experts can help you understand your needs.