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Get the Insurance Your Business Needs

biBERK helps small business owners choose the right workers’ compensation insurance to fulfill state and business requirements without extra costs and hassles. As your business grows, your coverage can too, with our other insurance products designed to protect small businesses like yours. If you need assistance of any kind, our experts are just a phone call away. Plus, our small business insurance customers have access to low down payments–all available through biBERK.com.

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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.

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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.

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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.

Why Does Your Business Need Workers’ Compensation Insurance?

It’s simple: having workman’s compensation coverage is the law in most states. If you don’t have it, you face state fines and penalties—even if you never file a claim. You could also get stuck with unexpected costs you have to pay out of your own pocket.

Workers’ comp insurance gives your employees and their families peace of mind knowing they won’t have to pay for medical treatment or other injury-related expenses.

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What is Workers’ Compensation Insurance?

Workers’ compensation insurance—commonly called “workers’ comp” or “workman’s compensation insurance”—is an often-mandatory type of insurance that protects both your employees and your company if an employee experiences an injury or disease while at work, including strains, trip-and-fall accidents, or accidental death.

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Fewer High Out-of-Pocket Business Expenses


With workers’ comp insurance from biBERK, you’re shielded from the high costs of workplace injuries.

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Protection From Lawsuits


Workers’ compensation insurance includes employer liability, which protects your business if an employee should sue for certain reasons outside of workers' compensation claims.

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Compliance With State Laws


Workers’ comp insurance helps companies avoid fines and penalties charged by the state for not having proper insurance. For example, in California your fine can be up to $100,000.

Determining the Cost of Workers’ Compensation

The average cost of workers’ compensation insurance per $100 in wages ranges from $.75 in Texas to $2.74 in Alaska. Workman’s comp insurance premiums are calculated based on the gross annual payroll you pay to employees. The more payroll expenses you have, the higher your workers’ comp insurance premiums. Workers’ comp insurance premiums are also influenced by: claims history, the requirements of your employees’ roles, the type of business you’re in, and state laws.

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How do I Save Money on My Policy?

Our direct-to-you model allows us to provide insurance up to 20% less than other companies.

Understand Who Needs to be Covered

Many states require coverage for employees, but not for business owners or officers.

Review Your Coverage Annually

Periodically ensure your coverage is up-to-date with your business. For example, if you have expanded to a new state, prices and policy requirements may be different there.

Manage Your Risks

Create a safe working environment and also facilitate safety and employee training. Your claims history can affect pricing, so a safe business means paying less money over time. Check out biBERK.com/Loss-Control to learn more.

Add a Small Deductible

You will be billed for the deductible amount for each claim and non-payment will cancel the policy. Only available in some states.

Get a Quote Today

Trust biBERK to provide the right workers’ compensation insurance for your small business.