BiBerk review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
BiBerk suits drivers and landlords in the US who want a monthly policy from the insurer itself. Fees start at $27.50 on small business general liability, monthly payments are on, and the range covers auto and landlord cover.
Key facts
- Best for
- Monthly auto and landlord cover bought direct from an insurer in the US.
- Premium from
- $27.50 (Source, checked September 26, 2026)
- Insurance types
- Auto, Landlord (Source, checked September 26, 2026)
- Provider type
- Insurer (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Claims channels
- Online, Phone, Email (Source, checked September 26, 2026)
- Legal entity
- Berkshire Hathaway Direct Insurance Company (Source, checked September 26, 2026)
- Headquarters
- United States (Source, checked September 26, 2026)
- Founded
- 2015 (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Help-centre (Source, checked September 26, 2026)
- Pricing model
- Monthly
- Official website
- biberk.com
Pros and cons
Pros
- You deal with the insurer, insurer, rather than a broker, so the contract comes from the company that carries the risk.
- Monthly payments are on and monthly is the model, so the premium is spread over the policy term.
- Policy help runs on phone, email and help centre, covering a phone line, an email address and a help centre.
- Claims can be opened on online, phone and email, giving you an online route as well as phone and email.
Cons
- The range is auto and landlord, so there is no home, renters, life or pet cover to add to the same policy.
- On starting price the brand ranks 181 of 252, while the site median is €8.37.
- BiBerk is based in the US, so the policy is written for that market and not for buyers elsewhere.
Who it suits
- Drivers in the US who prefer paying monthly for auto cover without going through a broker.
- Landlords letting out property who want a landlord policy on the monthly model.
- Small businesses weighing general liability cover, with fees starting at $27.50.
Who should look elsewhere
- Households wanting home, renters, life, pet and travel cover together: Good Sam Insurance Agency lists auto, home and renters.
- Buyers chasing the lowest starting price: bunq shows €0, well under the $27.50 here.
- Drivers shopping only their own national market: Euroasia Insurance lists a starting price of UZS 60,000, set in a different currency.
Who runs it
BiBerk trades as Berkshire Hathaway Direct Insurance Company, and the company was founded in 2015. It is based in the US, so policies are written for that market. Policyholders are served through phone, email and help centre, which means most questions go straight to the company named on your documents.
How BiBerk compares
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Where BiBerk is available
- Available
- United States
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does BiBerk cost to start?+
The published starting fee is $27.50 on its small business general liability cover. Your own price moves with what you insure and where you are, so read that figure as a floor rather than a quote. Cover is sold on the monthly model, so nothing has to be settled in one block.
Can I pay monthly rather than in one payment?+
Yes, monthly payments are available and monthly is the payment model listed, so the premium is spread over the policy term instead of one lump sum. That suits drivers and landlords who would rather set aside a smaller, steady amount each month.
How do I make a claim?+
Claims can be started on online, phone and email, so an online route sits alongside phone and email. The online option lets you log the claim in writing and keep a record of what you sent, which is handy if you later need to refer back to the insurer.
Am I dealing with the insurer or a broker?+
BiBerk is an insurer, insurer, so the policy is underwritten by the company behind the brand rather than placed on your behalf by someone else. The legal entity on your documents is Berkshire Hathaway Direct Insurance Company, and claims and queries are handled by that same company.
What can I actually insure with BiBerk?+
The range is auto and landlord, which covers drivers and landlords and leaves out the household lines many families expect. If you want home, renters, life or pet policies gathered in one place, Good Sam Insurance Agency lists auto, home and renters instead.
Is BiBerk available outside the country it is based in?+
BiBerk is based in the US, so treat the quotes as a product for that market, with local details to hand. Buyers sitting elsewhere should start with an insurer in their own market, such as Euroasia Insurance, before asking for a price.
How does the starting price compare with the market?+
On starting price the brand sits at 181 of 252 brands listed, while the site median is €8.37. That puts the $27.50 figure in the middle to upper part of the range rather than at the budget end.
Sources
- biberk.com checked September 26, 2026
Backs: Provider type, Insurance types
“We insure small businesses directly, without brokers and intermediaries”
- biberk.com/about-biberk checked September 26, 2026
Backs: Founded
“biBerk Business Insurance was founded in 2015”
- biberk.com/policyholders/claims checked September 26, 2026
Backs: Claims channels, Support channels
“Report a claim by either calling in or completing our online claims form ... if you need expert assistance, don't hesitate to call 1-844-472-0966 ... send an email to claims@biBerk.com”
- biberk.com/privacy-policy checked September 26, 2026
Backs: Headquarters, Legal entity
“biBerk Customer Service P.O. Box 3300, Wilkes Barre, PA 18773-3300”
- biberk.com/small-business-insurance/general-liability-ins... checked September 26, 2026
Backs: Pricing model, Monthly payments, Premium from
“General Liability Insurance ... Premiums start as low as $27.50 per month”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
BiBerk
Monthly auto and landlord cover bought direct from an insurer in the US.