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 coverage 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.

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.

What a contractor’s certificate has to show

What do you actually place with biBerk?

Workers compensation, and about four in ten of those are home health care agencies, which is the whole reason this page exists, because home health comp is one of the harder placements in commercial insurance and in several states the honest alternative is the assigned risk pool. The rest is a spread: restaurants, concrete foundation contractors, pet care and janitorial. Liability with them is a much smaller number, deliberately so, for the reason noted above about what a general contractor will accept.

What kinds of business does biBerk write for you?

Workers compensation, and about four in ten of those are home health care agencies — the concentration this page exists to explain. The rest is a spread of restaurants, concrete foundation contractors, pet care businesses and janitorial services. Liability with them is a much smaller number, deliberately.

Can biBerk bill my workers comp from payroll?

They offer installment billing and their own pay-as-you-go arrangement on workers compensation. Ask us to confirm what is available on your class before you assume it, because the answer varies more here than with the standard-market carriers.

Why payroll-provider workers comp usually costs more

Why go through a broker instead of buying direct?

Because it does not cost you anything, which is the part that surprises people. Broker compensation is built into the carrier's rate whether you use one or not: buying direct does not remove the cost, it removes the person being paid to be on your side of it.

The other five reasons, and what it costs you