---
title: "biBerk vs Counterpart: Professional Liability (E&O) Insurance"
description: "Counterpart lists separate professional programs for miscellaneous firms, architects and engineers, allied healthcare, and lawyers; biBerk names common small-business professions."
canonical: "https://spot.insure/compare/biberk-vs-counterpart/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "biberk-vs-counterpart"
provider-a: "biberk"
provider-b: "counterpart"
coverage-line: "professional-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/biberk-vs-counterpart/professional-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of biBerk and Counterpart for Professional Liability (E&O) Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Professional Liability (E&O) Insurance questions about biBerk versus Counterpart. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- biBerk vs Counterpart for Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, biBerk or Counterpart?
- What does biBerk or Counterpart publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Professional Liability (E&O) Insurance from biBerk or Counterpart?

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: biBerk and Counterpart.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [biBerk vs Counterpart](https://spot.insure/compare/biberk-vs-counterpart) — parent: all coverage lines for this pair
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — coverage explainer for this line
- [biBerk profile](https://spot.insure/insurance-providers/biberk) — provider profile (evidence)
- [Counterpart profile](https://spot.insure/insurance-providers/counterpart) — provider profile (evidence)
- [biBerk vs Counterpart General Liability Insurance](https://spot.insure/compare/biberk-vs-counterpart/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs biBerk Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-biberk/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-counterpart/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs biBerk Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-biberk/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs biBerk Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-biberk/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-counterpart/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)

# biBerk vs Counterpart: How Do They Compare for Professional Liability (E&O) Insurance?

Counterpart lists separate professional programs for miscellaneous firms, architects and engineers, allied healthcare, and lawyers; biBerk names common small-business professions.

## How to Use the biBerk vs Counterpart Professional Liability (E&O) Insurance Comparison

Use this comparison to evaluate biBerk and Counterpart for Professional Liability (E&O) Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## biBerk vs Counterpart Professional Liability (E&O) Insurance Summary

Counterpart separates professional liability by profession, while biBerk’s overview names consultants, accountants, real-estate agents, and insurance agents as potential buyers. [3](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk") [6](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [7](https://yourcounterpart.com/products/architects-and-engineers "Architects, Engineers, & Contractors Liability") [8](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") [9](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance")

## 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](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [2](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple")

[biBerk profile](https://spot.insure/insurance-providers/biberk)

## What Is Counterpart Insurance?

Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. [4](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [5](https://yourcounterpart.com/about "About Counterpart")

[Counterpart profile](https://spot.insure/insurance-providers/counterpart)

## What Is Professional Errors and Omissions (E&O) Insurance?

Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. [11](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [12](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [13](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [14](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance")

## What Are the Key Differences Between biBerk and Counterpart Professional Liability (E&O) Insurance?

### Profession-specific placement

Counterpart’s profession pages, last reviewed September 28, 2026 for allied healthcare and architecture/engineering, list distinct programs for miscellaneous professionals, architects/engineers/contractors, allied healthcare, and lawyers. This source set describes program categories, not current eligibility or terms. biBerk names consultants, accountants, real-estate agents, and insurance agents as professions that may need E&O. If your work is regulated or technical, ask which Counterpart form applies and compare the professional-services definition with biBerk’s quote. [3](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk") [6](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [7](https://yourcounterpart.com/products/architects-and-engineers "Architects, Engineers, & Contractors Liability") [8](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") [9](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance")

### Limits and retention

Counterpart says its professional pages support modular limits and gives sample limits and retentions for selected professions. biBerk’s published offering does not state a standard limit. Use the same limit and retention when comparing quotes and verify that each applies to your exact professional services. [3](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk") [6](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability")

## What Should You Confirm in biBerk and Counterpart Professional Liability (E&O) Insurance Quotes?

- Ask Counterpart which profession-specific form applies and whether its sample limits are available to you. [6](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [7](https://yourcounterpart.com/products/architects-and-engineers "Architects, Engineers, & Contractors Liability") [8](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") [9](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance")
- Ask biBerk for proposed limits, retention, and retroactive date. [3](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk")

## biBerk vs Counterpart Professional Liability (E&O) Insurance Compared

| Criteria | biBerk Professional Liability / E&O | Counterpart Professional Liability |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | Counterpart describes its product distribution through Counterpart Insurance Services, Inc. and wholesale brokers. [4](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [10](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") (Evidence: Company-reported; scope: The cited marketing pages do not identify the insurer for a particular professional-liability risk or state..) |
| Who It’s For | biBerk identifies consultants, accountants, real-estate agents and insurance agents as professions that may need E&O. [3](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk") (Evidence: Company-reported; scope: Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business professional services. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage..)<br><br>biBerk says it provides Professional Liability in all 50 states. [3](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk") (Evidence: Company-reported; scope: Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: professional E&O. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage..) | Counterpart lists distinct professional-liability programs for miscellaneous professionals, architects/engineers/contractors, allied healthcare and lawyers. [6](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [7](https://yourcounterpart.com/products/architects-and-engineers "Architects, Engineers, & Contractors Liability") [8](https://yourcounterpart.com/products/allied-healthcare "Allied Medical & Healthcare Liability") [9](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") (Evidence: Company-reported; scope: Each page has its own occupation scope; no single eligibility rule applies across all four products..) |
| Coverage Features | biBerk says professional liability can respond when a client alleges an error, omission or negligent professional act caused financial harm. [3](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk") (Evidence: Company-reported; scope: Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business professional E&O. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage..)<br><br>biBerk says litigation defense may be covered even if the accusation proves groundless, depending on policy terms. [3](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk") (Evidence: Company-reported; scope: Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: professional E&O defense. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage..) | The Lawyers Professional Liability page describes claims arising from lawyers’ professional services; the MPL page gives service-related negligence and financial-loss examples. [9](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") [6](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") (Evidence: Company-reported; scope: These are distinct program summaries and do not establish identical policy triggers or coverages..) |
| Limits and Retentions | Confirm in your quote. | Counterpart says its professional pages support modular limits and presents sample limits and retentions for selected professions. [6](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [9](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") (Evidence: Company-reported; scope: Published examples are illustrative, not terms available to a particular applicant..) |
| How to Apply | The page describes online quote/purchase and online claim submission with phone support. [3](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk") (Evidence: Company-reported; scope: Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: professional E&O. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage..) | Confirm in your quote. |

## Related Pages for biBerk vs Counterpart Professional Liability (E&O)

- [biBerk vs Counterpart](https://spot.insure/compare/biberk-vs-counterpart): all coverage lines, business roles, service and claims.
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms.
- [biBerk vs Counterpart General Liability Insurance](https://spot.insure/compare/biberk-vs-counterpart/general-liability)
- [AIG vs biBerk Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-biberk/professional-errors-omissions)
- [AIG vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-counterpart/professional-errors-omissions)
- [Alliance Risk vs biBerk Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-biberk/professional-errors-omissions)
- [Alliance Risk vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/professional-errors-omissions)
- [Aon vs biBerk Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-biberk/professional-errors-omissions)
- [Aon vs Counterpart Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-counterpart/professional-errors-omissions)

## Sources for biBerk vs Counterpart

### Sources About biBerk

1. [Small Business Insurance From biBerk | Get A Quote Online](https://www.biberk.com/). 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.
2. [About biBerk | Making Small Business Insurance Simple](https://www.biberk.com/about-biberk). 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.
3. [Professional Liability Insurance | Talk To biBerk](https://www.biberk.com/small-business-insurance/professional-liability-insurance). biBerk; What Professional Liability covers. Accessed 2026-09-28.

### Sources About Counterpart

4. [Counterpart | Agentic Insurance™](https://yourcounterpart.com/). Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287.. Accessed 2026-09-29.
5. [About Counterpart](https://yourcounterpart.com/about). Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26.. Accessed 2026-09-29.
6. [Professional & General Liability](https://yourcounterpart.com/products/miscellaneous-professional). Counterpart, Inc.; Reopened 2026-09-30: page lines 4–8 says MPL may be purchased alone or packaged with GL; lines 208–245 describe industries and coverage examples; lines 251–283 describe risk assessment, quoting channels and underwriter access. Marketing page, not binding terms.. Accessed 2026-09-30.
7. [Architects, Engineers, & Contractors Liability](https://yourcounterpart.com/products/architects-and-engineers). Counterpart, Inc.; Retained provider source: A&E/contractor class examples, services, enhancements and illustrative limits; prior access 2026-09-28.. Accessed 2026-09-28.
8. [Allied Medical & Healthcare Liability](https://yourcounterpart.com/products/allied-healthcare). Counterpart, Inc.; Retained provider source: names allied healthcare classes, combined coverage/enhancements and illustrative limits/examples; does not establish conventional malpractice for every medical profession or standalone general liability. Prior access 2026-09-28; direct reopen failed in this session.. Accessed 2026-09-28.
9. [Lawyers Professional Liability Insurance](https://yourcounterpart.com/products/lawyers-professional-liability). Counterpart, Inc.; Reopened 2026-09-30: page lines 4–8 names lawyer-focused product; lines 236–272 company-stated geographic reach, modular liability limit examples, professional services, technology/media extensions and GL alongside professional cover. Product terms remain policy-specific.. Accessed 2026-09-30.
10. [How can I get insurance through Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart). Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28.. Accessed 2026-09-28.

### Sources for the Professional Liability (E&O) Insurance Guide

11. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
12. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
13. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
14. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.

Updated 2026-10-01. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## biBerk Review Scores for 2026

Review Score: 9.0 / 10 from 3 rated sources, equally weighted.

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.

- NerdWallet: NerdWallet editorial rating 4.0 (out of 5). NerdWallet's own editorial review of biBerk as a US small-business insurer. Not a customer average. Period: updated Feb 13, 2026. Checked 2026-09-29. [biBerk Insurance Review 2026](https://www.nerdwallet.com/business/insurance/learn/biberk-insurance)
- Trustpilot: TrustScore 4.5 (out of 5); 2620 reviews. Trustpilot's biBerk profile. All lines and states; not tied to a specific policy. Period: profile accessed 2026-09-29; 714 in last 12 months. Checked 2026-09-29. [biBerk Business Insurance Reviews](https://www.trustpilot.com/review/biberk.com)
- BBB: BBB business grade A+ (BBB letter grade). BBB Omaha, NE profile for biBerk, a Berkshire Hathaway Company. Grade, reviews and complaints are separate measures. Period: profile accessed 2026-09-29. Checked 2026-09-29. [biBerk, a Berkshire Hathaway Company - BBB profile](https://www.bbb.org/us/ne/omaha/profile/insurance-agency/biberk-a-berkshire-hathaway-company-0714-300108690); [biBerk BBB customer reviews](https://www.bbb.org/us/ne/omaha/profile/insurance-agency/biberk-a-berkshire-hathaway-company-0714-300108690/customer-reviews); [biBerk BBB complaints](https://www.bbb.org/us/ne/omaha/profile/insurance-agency/biberk-a-berkshire-hathaway-company-0714-300108690/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/biberk/reviews).

## Counterpart Review Scores for 2026

Review Score: not enough ratings.

We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/counterpart/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/biberk-vs-counterpart/professional-errors-omissions.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)