Protect Your Small Business
There are many kinds of insurance out there, but as a small business owner, you have very unique needs. At biBERK, we’ll help you understand what kind of insurance is best for you. Just fill out a simple form online or speak with one of our licensed insurance experts to get a free quote. Plus, with biBERK, you can purchase a policy, manage it, and submit claims online for ultimate convenience.
Who Needs Small Business Insurance?
Business insurance is important for anyone who owns a company of any size. You may work out of your home, or you might have multiple locations. You may only drive a personal car, or you could have a small fleet of vehicles. Maybe you only need a computer and basic office equipment, or your business might require lots of specialized machinery. Having the right amount of business insurance for your company can provide financial protection should anything unexpected happen.
biBERK Covers Top Industries Across the Country, Including:
- Accounting and finance
- Apartment building owners
- Auto services and dealers
- Cleaning and janitorial
- Construction and contracting
- Health care facilities
- Medical practices
- Information technology
- Liquor stores
- Office owners
- Townhome associations
What are the Different Types of Small Business Insurance?
At biBERK, we offer seven different types of insurance for small business owners like you. Depending on the location of your business and other factors, certain types might be better for you than others.
Workers' Compensation Insurance
This insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury.chevron_rightWorkers' Compensation
Property & Liability Insurance
Commonly referred to as a business owners policy (BOP), it combines general liability insurance with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running, such as the use of a temporary location.chevron_rightProperty & Liability
Professional Liability Insurance
Also known as errors and omissions (E&O) insurance, this policy could protect you from the cost of damages and legal fees when someone claims your professional service caused financial harm to them or their business. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). Professional liability insurance should be considered if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.chevron_rightProfessional Liability
Commercial Auto Insurance
If your company owns or leases vehicles, this policy protects the vehicles and drivers from any damage incurred during the course of business. Our commercial auto insurance policies are offered through a Berkshire Hathaway subsidiary.chevron_rightCommercial Auto
General Liability Insurance
Also known as commercial liability insurance, a general liability policy is important, because general contractors and landlords often require a policy before they hire you. The policy covers damages and legal costs associated with injury claims to customers and other people you don't employ, damage to other people's property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement.chevron_rightGeneral Liability
Every insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection: it can cover costs that exceed the limit of another policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.chevron_rightUmbrella
This coverage can be purchased as an add-on to a general liability, professional liability, or BOP policy. It helps cover costs related to system hacks or data security breaches in which sensitive information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.chevron_rightCyber Insurance
Why biBERK for Small Business Insurance?
We’re the experts when it comes to small business.
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.
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.
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.