Amelia Risk vs 
biBerk: How Do They Compare for Workers’ Compensation Insurance?
What Is Amelia Risk?
Amelia Risk is a San Francisco brokerage for startups, CPG and consumer-product companies that want an advisor to shop multiple insurers; buyers seeking a direct online purchase should look elsewhere. Ask about fees before appointing it. 1,2,3
What Is biBerk Insurance?
biBerk focuses on small businesses and describes a direct online path to answer business questions, choose coverage and pay, with an insurance expert available to help. Before you plan around online checkout, confirm that your state and the insurance you need are supported; biBerk says availability depends on both. 6,7
What Is Workers’ Compensation Insurance?
Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. 10,11,12,13
Key Differences in Workers’ Compensation Insurance
Payroll Drives the Premium
Amelia Risk describes workers’ compensation premium as payroll multiplied by a rate, though its reviewed page publishes no rate table. biBerk also bases premium on gross annual payroll, then audits requested documents and reconciles the estimate against actual employee payroll during the term. For either quote, accurate payroll matters; ask how job classifications and midterm payroll changes feed into the final cost. 4 8
Placement and Claims Help
Amelia Risk gathers company details, approaches insurers, reviews quotes with you, and leaves the placement decision to the client. biBerk offers a workers’ compensation policy and says its team guides policyholders after a claim is reported. One route emphasizes comparing insurer offers before purchase; the other describes assistance during a claim after coverage is in place. 5 8
Amelia Risk says a business should buy coverage once it has an employee on payroll, while biBerk’s cited review notes availability limits in four state-fund jurisdictions. 4 9
What to Confirm in Workers’ Compensation Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Amelia Risk
Review Score
1 rated source
Amelia Risk’s only matched public rating is 1/5 from one Google-linked local listing. That is a warning to investigate, but too little feedback to judge the firm’s overall service.[7]
Read Amelia Risk reviewsbiBerk
Review Score
3 rated sources
Customers rate biBerk well: Trustpilot shows 4.5 out of 5 from 2,620 reviews, and NerdWallet gives it 4.0. The complaints are about slow service after you buy, billing and audits, and slow refunds.[4][1]
Read biBerk reviewsOffering Details
Amelia Risk vs biBerk: Workers’ Compensation Insurance: documented features by provider
| Criteria | Workers Compensation | biBerk Workers’ Compensation |
|---|---|---|
| Role in This Line | Amelia Risk is a brokerage, not an insurer, and it places Workers Compensation as its own listed catalogue line on its policies hub. 5Company-reported. Policies hub as read on 2026-09-23. Does not identify which insurer would issue a placed policy. | Confirm in your quote. |
| Issuing Insurer | The dedicated Workers Compensation page does not name an issuing insurer, state fund or program; Amelia Risk's general pages say it places business with the dozens of insurance companies it works with, so the carrier for a Workers Compensation placement depends on underwriting and state requirements. 4,2Not publicly disclosed. Dedicated Workers Compensation page and specialties process page, both as read on 2026-09-23. A checked gap, not a statement that no insurer exists. | Confirm in your quote. |
| Who It’s For | Amelia Risk says a company should buy Workers Compensation whenever it has an employee on payroll, and notes that eligible officers can decline coverage for themselves. 4Company-reported. Dedicated Workers Compensation page's purchase-timing guidance. A general trigger the firm states, not a jurisdiction-by-jurisdiction eligibility or officer-exclusion rule, which varies by state. | NerdWallet’s February 13, 2026 review reports that biBerk workers compensation is unavailable in four state-run fund jurisdictions. 9Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: workers compensation. Jurisdiction: United States; availability varies by state unless stated. Limitation: Secondary-source observation dated February 13, 2026; verify current state availability and exact policy issuer before use. |
| Coverage Features | Amelia Risk describes Workers Compensation as statutory coverage, paying an injured employee's medical bills when the employee is hurt or injured at work. 4Company-reported. Dedicated Workers Compensation page's coverage description. A plain-language summary of the firm's own explanation, not a specimen policy form. Amelia Risk says a Workers Compensation policy also includes Employer's Liability, which covers suits alleging the employer's negligence caused an employee's injury. 4Company-reported. Dedicated Workers Compensation page. Describes the firm's stated policy structure, not the specific limits attached to that component. | biBerk Workers’ Compensation describes medical costs, care, disability benefits, lost wages and death benefits for covered work injuries. 8Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business workers compensation. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. |
| Limits and Retentions | Amelia Risk states that Workers Compensation premium is calculated as a function of payroll multiplied by a rate; the page does not publish specific rate figures or a rating class table. 4Company-reported. Dedicated Workers Compensation page. A general pricing-mechanics statement, not a quote or rate schedule. | Confirm in your quote. |
| How to Apply | Amelia Risk applies its general four-step brokerage process to a Workers Compensation request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. 2Company-reported. Specialties page process description, which applies across the firm's lines rather than describing a Workers Compensation-specific intake form. | biBerk says Workers’ Comp premiums are based on gross annual payroll; its audit evaluates requested documents and uses actual employee payroll during the policy period to reconcile premium with the estimate. 8Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business workers compensation. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. |
| Claims Support | Confirm in your quote. | biBerk directs policyholders to report a claim and says its team guides them through the process. 8Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: workers compensation claims. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. |
Full Comparison
Other Workers’ Compensation Insurance Comparisons
Sources
Amelia Risk
- Amelia Risk Insurance Brokers. Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset. Accessed 2026-09-16.
- Our Specialties. Amelia Risk Insurance Brokers; Our Process: four-step description of gathering information, approaching the dozens of insurance companies Amelia works with, reviewing quotes, and the client deciding how to proceed; claims advocacy sentence. Accessed 2026-09-23.
- About Us. Amelia Risk Insurance Brokers; Opening brokerage description; How we're different (no multiple PDFs to print, sign, and scan); We do the right thing (underwriters, wholesale brokers, and strategic partners). Accessed 2026-09-16.
- Workers Compensation. Amelia Risk Insurance Brokers; What's covered by a Workers Compensation Policy?; premium as payroll x rate; Employer's Liability; When should a company buy a Workers Compensation Policy? Accessed 2026-09-23.
- Insurance Policies. Amelia Risk Insurance Brokers; Policies hub card: Workers Compensation. Accessed 2026-09-23.
biBerk
- Small Business Insurance From biBerk | Get A Quote Online. biBerk; Online purchase steps, lines 183–197; small-business audience and industries, lines 231–238; state/type availability, lines 290–295. Accessed 2026-09-28.
- About biBerk | Making Small Business Insurance Simple. biBerk; Making small business insurance simple and direct sales without an insurance broker, lines 72–89; online assistance, lines 76–78. Accessed 2026-09-28.
- Workers’ Compensation Insurance From biBerk | Get A Quote. biBerk; Workers’ Comp examples and coverage. Accessed 2026-09-28.
- biBerk Insurance Review 2026: Berkshire Hathaway’s Basic Online Storefront | NerdWallet. NerdWallet; Policy availability and online quote process. Accessed 2026-09-28.
Workers’ Compensation Insurance Guide
- Workers’ Compensation Insurance. National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
- Small Business Insurance. National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
- DWC employer information. California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.
- Employer resources. Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16.
