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Protect Your Company With Small Business Insurance

The best small business insurance makes you feel ready for anything. From employee injuries to customer property damage to visitor slip-and-fall accidents, insurance for small business helps you to be prepared for the potential financial impact from a wide variety of risks.

At biBERK, we provide tailored small business insurance coverage at savings of up to 20%. Whether you need workers' compensation, general liability, professional liability (also known as errors and omissions or E&O), a business owners policy or BOP (sometimes called property & liability insurance), commercial auto, umbrella, or cyber insurance, just complete a simple form online or speak with one of our licensed small business insurance experts to get a fast, free quote. Plus, with biBERK, you can purchase insurance for small business needs, manage policies, and report claims online for ultimate convenience.

Who Needs Small Business Insurance?

Insurance for small business owners is essential. But 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 small business insurance for your company can provide financial protection should anything unexpected happen. Contact us about small business insurance if you have questions.

biBERK Covers Many Industries Across the Country, Including:

    Accounting and finance firms
    Architects and engineers
    Auto services and dealers
    Cleaning and janitorial companies
    Contractors and construction companies
    Health care facilities
    Medical practices
    Information technology firms
    Liquor stores
    Property management companies
    Retail businesses
    Transportation companies
    Trucking companies

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. We offer the very best workers’ comp insurance for small businesses. It can cover medical costs, legal fees, and lost wages due to the injury.

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General Liability insurance

Also known as commercial liability insurance, a general liability insurance for small businesses is important. The policy covers damages and legal costs associated with injury claims from 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 product liability, libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Business Owners Policy

Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance (for things like non-employee injuries and customer property damage) 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 after suffering property damage, such as the use of a temporary location. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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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.

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Commercial Auto insurance

If your company owns or leases vehicles, this policy protects your business. This type of insurance can provide coverage for your legal fees and the medical costs of others if your employee is at fault in an accident. It can also cover the cost of physical damage to your vehicles. And, it can provide coverage even if the vehicle is used for personal activities outside of its primary business use. 

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Cyber insurance

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.

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Umbrella insurance

Every insurance policy you purchase has a maximum value that it will cover in the event of an incident. Small business umbrella insurance adds another layer of protection: it can cover costs that exceed the limit of another liability 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.

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Where can I Purchase Business Insurance Near Me?

We offer business insurance nationwide from our website. You can get a quote and purchase coverage conveniently on your own. But if you want to talk with one of our licensed insurance experts, the answer to the question, “Where can I get business insurance near me?” is that all you have to do is contact us!

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Why biBERK for Small Business Insurance?

We’re the experts when it comes to insurance for small business owners.

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.

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.


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.

Small Business Insurance Frequently Asked Questions (FAQs)

  • What types of small business insurance should I buy?


    Every business is different, so we’ll need to learn about your company to provide specific recommendations. Where your company is located, what type of work you do, and other factors will help us determine what coverages you’ll need to have to maximize your protection.

  • Am I required to have small business insurance?


    In most states, you must have workers’ comp insurance if you have employees. If your business owns or leases vehicles, you’ll need commercial auto liability insurance that at least meets minimum limits. Many other types of insurance are required to get contracts, with a few industries having coverages required by law.

  • How long does it take to buy small business insurance?


    Getting a business insurance quote and then paying for the policies you need is fast and easy. It can take as little as five minutes, and your policy is issued immediately for the effective date.

  • How much is small business insurance?


    The cost of your small business insurance coverage depends on your specific needs. For instance, the cost of small business general liability insurance is going to be different for every business. Why? Because no two businesses are the same. For a fast and hassle-free quote on insurance for small businesses, contact us today.

  • What insurance is needed for a small business?


    Again, this can depend on the state you run your business from. If you’re unsure, one of our small business insurance experts can discuss your needs with you further.

Get a Quote Today

See why biBERK is easier and more convenient for small business insurance when you obtain your free quote online.