out of 5 customer review rating and 150,000+ policies sold.

Get Extra Financial Protection in Just a few Clicks

At biBERK, we've ditched the traditional insurance model in favor of selling our products directly to you online or over the phone. And that means we make it easy to get the umbrella policy you need to pay for damages above and beyond the amounts covered by your existing policies. It's faster, more convenient, saves you up to 20% compared to other companies.

What is Small Business Umbrella Insurance?

An umbrella policy helps cover costs associated with:

  • check Bodily injury and related medical expenses
  • check Product liability
  • check Customer property damage
  • check Libel, slander, and copyright infringement
  • check Defending against a lawsuit

In New York Umbrella is known as Commercial
Excess.

Claims That Exceed Your Current Policy

When you have a claim that exceeds the limits of your current policy, umbrella insurance provides extra coverage to protect your business and assets from financial risk. At biBERK, umbrella insurance is available with existing liability policies.


Keep in mind that umbrella insurance can only be applied to a claim if two things happen:


1. You already have the appropriate underlying policy.

For example, if you have general liability with an umbrella policy but you don't have commercial auto insurance, then your umbrella policy only covers those items covered by general liability.


2. The limits of that policy have been reached.


 
Truck Driver

Help Your Business With an Umbrella Policy

For example, let’s say Company X is being sued because a customer was severely injured after falling down the stairs when a railing collapsed. She wants Company X to pay her medical bills, loss of wages, and other damages—a total cost of about $2 million. The legal battle drags on, and Company X’s general liability policy maxes out at $1 million. Without their umbrella insurance policy, Company X would be responsible for the extra $1 million out of pocket if a $2 million verdict is reached. With an umbrella insurance policy, they’re covered for an additional $1 million.

Why biBERK Commercial Umbrella Insurance?

We're the experts when it comes to insuring small businesses.

Business Owner Business Owner

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.

Business Owner Business Owner

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.

Warren Buffet Warren Buffet

Experienced

We're part of Warren Buffett's Berkshire Hathaway Insurance Group with more than 40 years of insurance experience and over 100,000 satisfied customers.

How Much Does an Umbrella Policy Cost?

On Average $200-$400 per Year

On average, the first $1 million of umbrella insurance will cost your small business between $200 and $400 per year. At biBERK, our small business customers have access to low down payments through our online system. Submitting claims can also be done entirely online—no more waiting days or weeks for a claim to go through.

Add Extra Insurance Coverage

Umbrella small business insurance policies are an affordable way to add extra coverage. Policies are issued in $1 million increments, and the premiums depend on a number of factors, including:

  • Business activities
  • Number of employees
  • Annual revenue
  • Industry
  • Number of years in business
  • Claims history

Get a Quote Today

Ready to add umbrella coverage to your existing biBERK liability policy?