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. 1,2
What Is Corgi Insurance?
Corgi suits technology startups wanting packages organized from pre-seed through growth, with dashboard changes as the business grows; firms seeking only a direct single-carrier policy should compare alternatives. Issuers vary by product and state. 5,6,7,8,9
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. 11,12,13,14
Key Differences in Workers’ Compensation Insurance
Quote Timing and Purchase Path
Corgi lists workers’ compensation among specialty coverages with a 1–14 day turnaround, outside the instant online quote flow for its core startup policies. biBerk offers online or phone access to quote its policy. If you need to coordinate a start date with payroll onboarding, ask Corgi what information drives that turnaround; biBerk’s online path may start the request sooner but does not guarantee binding by a particular date. 6 3
Premium and Claim Support
biBerk bases premiums on gross annual payroll, audits actual payroll against the estimate, and says its team guides policyholders through reported claims. Corgi describes medical expenses, lost wages, and rehabilitation for workplace injuries, while its reviewed record does not publish a limit or claim-handling process. Ask Corgi for the carrier and claim contact before purchase; ask biBerk how its audit reconciles payroll changes. 3 10
Corgi does not state employee-count, payroll, or state eligibility thresholds; a cited review notes biBerk is unavailable in four state-fund jurisdictions. 5 4
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.
biBerk
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 reviewsCorgi
Review Score
No reviews found
The reviewed sources did not yield customer reviews; the inspected Trustpilot profiles showed none. Its Trustpilot page exists but shows no reviews or rating.[4][8]
Read Corgi reviewsOffering Details
biBerk vs Corgi: Workers’ Compensation Insurance: documented features by provider
| Criteria | biBerk Workers’ Compensation | Corgi Worker's Compensation |
|---|---|---|
| Role in This Line | Confirm in your quote. | Corgi lists Worker's Compensation as a specialty coverage quoted with a 1-14 day turnaround, not through the instant online quote flow it uses for CGL, D&O, Tech E&O, and its other core startup policies. 6,10Company-reported. Homepage and startup-insurance page policy-card labeling as of 2026-09-23. No dedicated product page was found; a direct URL guess (/workers-compensation) returned a 404. |
| Issuing Insurer | Confirm in your quote. | No page names the carrier that issues Worker's Compensation coverage. Corgi's general disclosures say coverage may be underwritten by affiliated carriers, including the risk retention group Technology Risk Retention Group, or by third-party partner carriers depending on product, jurisdiction, and risk profile, without identifying which applies to this line. 5Not publicly disclosed. Disclaimers page general underwriting disclosure, checked for a line-specific statement and finding none as of 2026-09-23. This record does not resolve which entity underwrites workers' compensation for Corgi. |
| Who It’s For | NerdWallet’s February 13, 2026 review reports that biBerk workers compensation is unavailable in four state-run fund jurisdictions. 4Company-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. | The catalog description targets employers generally rather than a specific industry, and does not mention any employee-count, payroll, or state threshold for eligibility. 6,10Not publicly disclosed. Catalog description as of 2026-09-23; workers' compensation is state-mandated and rules vary by jurisdiction, which the reviewed pages do not address. |
| Coverage Features | biBerk Workers’ Compensation describes medical costs, care, disability benefits, lost wages and death benefits for covered work injuries. 3Company-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. | Corgi describes the product as providing benefits to employees for work-related injuries or illnesses, including medical expenses, lost wages, and rehabilitation costs. 6,10Company-reported. One-sentence catalog description; no policy form, statutory-limits detail, monopolistic-state handling, or employer's-liability sublimit is published for this line. |
| Limits and Retentions | Confirm in your quote. | No limit, retention, or illustrative policy structure is published for Worker's Compensation, unlike Corgi's Tech E&O and Umbrella pages, which show example limits. 6,10Not publicly disclosed. Reviewed pages as of 2026-09-23; workers' compensation benefit levels are generally set by state statute rather than a policy limit, which the reviewed pages do not explain. |
| Risk Services | Confirm in your quote. | The reviewed pages do not describe safety programs, return-to-work services, or claims-handling details specific to Worker's Compensation. 6,10Not found in reviewed sources. Homepage and startup-insurance page as read on 2026-09-23. |
| How to Apply | 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. 3Company-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. | Worker's Compensation sits outside Corgi's instant-quote flow; the site groups it with policies quoted in 1-14 days rather than through the self-serve online application used for its core coverages. 6,10Company-reported. Homepage and startup-insurance page policy-card labeling. |
| Claims Support | biBerk directs policyholders to report a claim and says its team guides them through the process. 3Company-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. | Confirm in your quote. |
Full Comparison
More biBerk vs Corgi Comparisons
Other Workers’ Compensation Insurance Comparisons
Sources
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.
Corgi
- Disclaimers & Licensing. Corgi Insurance; Carrier Financial Strength; How Insurance Is Provided Through Corgi; Specialty Insurance Carrier and Underwriting Disclosures. Accessed 2026-09-23.
- Corgi Insurance: Startup Insurance, Quoted in Minutes. Corgi Insurance; Explore Our Main Policies list: "1-14 days turnaround Worker's Compensation" card, same coverage description as the startup-insurance page. Accessed 2026-09-23.
- Corgi Insurance Launches Admitted Insurance Carrier. PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
- NAIC Listing of Companies. National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
- Insurance Topics: Risk Retention Groups. National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15.
- Startup Insurance | Corgi Insurance. Corgi Insurance; Specialized Coverages section: "1-14 days turnaround Worker's Compensation — Provides benefits to employees for work-related injuries or illnesses, including medical expenses, lost wages, and rehabilitation costs.". Accessed 2026-09-23.
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.
