Among the best workers comp pricing we can find, including on classes nobody else wants.

Workers compensation

Comp across a wide range of classes, including several that are hard to place.

Without it — The reason to go to them. Extremely competitive, and they will quote classes other markets decline.

Home health and care comp

Workers compensation for home care and allied health, a notoriously difficult comp class.

Without it — One of the few markets pricing this class competitively rather than punitively.

General liability and BOP

Liability and package cover for smaller, simpler operations.

Without it — Workable on the right account — and see the contractor question below before assuming yours is one.

Is biBerk good for workers compensation?

Yes, and it is the clearest recommendation we make about them. Their workers compensation pricing is extremely competitive across a wide range of classes, and — the part that matters more — they will quote classes that are genuinely hard to place, home health among them. Comp for home care agencies is a difficult class that several markets either decline or price punitively, and having a carrier that writes it at a sensible rate is worth a great deal to that sector. If you are shopping comp and your class is awkward, they belong in the comparison.

What is the catch?

Service and policy management, mostly. Some of our clients have noticed that customer service and the self-service portal are difficult to navigate, and certificate issuance in particular comes up repeatedly — which is a genuine argument for placing them through a broker rather than direct, because getting certificates right and issued on time then becomes somebody’s job rather than yours. On an account where the pricing advantage is large, that is a trade well worth making; it is simply better made knowingly.

Should a contractor use biBerk for liability?

For a small contractor working directly for homeowners, often yes. For a contractor working with serious general contractors, at height, or on tract housing, we cannot recommend it — and the reasons are specific rather than general. The endorsements are not there. We looked at every biBerk liability and package policy on our own book to check this rather than going from memory: blanket additional insured for completed operations appears on none of them. Neither does a blanket waiver of subrogation on the liability side — biBerk do provide blanket waivers on workers compensation, and that is a different thing from the liability waiver a subcontract demands. Those two endorsements plus primary and non-contributory wording are exactly what a general contractor’s subcontract requires, and a policy without them will not satisfy one. Excess is capped. On many classes their excess will only reach $2M or $3M. General contractors on commercial or multi-unit work routinely require more, and if the limit is not available the account cannot meet the contract however good the primary price is. And we frequently see a subcontractor exclusion on their liability forms — present on several of the policies we reviewed, though not all of them, so this is one to check on your own policy rather than assume either way. If you sub any part of your work out, that exclusion removes a large share of what your business actually does. None of this makes biBerk a bad carrier. It makes them the wrong carrier for a contractor whose contracts have requirements, which is a different and much more useful statement.

What a contractor’s certificate has to show

Why go through a broker instead of buying direct?

Six reasons, and the first one surprises people. It does not cost you anything. Broker compensation is built into the carrier’s rate whether or not you use one — buying direct does not remove it, it just means nobody is being paid to be on your side. You are declining the representation, not the cost. Somebody negotiates for you. An agent represents YOU rather than the carrier, which matters most at the two moments that decide whether insurance was worth buying: when the account is being underwritten and priced, and when a claim is being adjusted. Direct writers have neither role available to you. You stop queueing. A certificate, an endorsement, a vehicle added, a limit raised — through an agent those are usually same-day, often same-hour. Through a service queue they are a wait, and you explain your business again to whoever answers. You get the same person. We assign a dedicated account manager from day one, so the person handling your renewal already knows what you do, what your contracts require, and what went wrong last time. Nobody starts from your policy number. We re-shop it every year. Not the same carrier re-rated — a genuine comparison across multiple carriers and products, because the market that was right for you at $400,000 of revenue is frequently not the one that is right at $1.2M. That is the single largest source of savings we find, and it is structurally unavailable if you buy direct. And we will tell you when to stay. If the policy you have is the right one, that is an answer we are willing to give, and it is why the comparison is worth doing at all.