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 Hiscox?
Hiscox suits eligible small businesses that want online GL, professional liability, cyber or BOP quotes; businesses needing other specialty products should compare brokers. Core Hiscox NOW policies are usually issued by its own insurer, while some products use partners. 4,5,6
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. 10,11,12,13
Key Differences in Professional Liability (E&O) Insurance
Coverage Description
Hiscox describes its professional-liability policy as claims-made, generally requiring a claim to be made and typically reported while the policy is active. biBerk describes E&O response to allegations that professional error or negligence caused financial harm. The pages describe different parts of a claim trigger: policy timing at Hiscox and alleged conduct and loss at biBerk. Compare the complete trigger wording and any retroactive date in the quotes. 8 3
Policy Terms and Scope
Hiscox says the exact trigger, retroactive dates, exclusions, and wording are set by the issued policy; biBerk likewise qualifies its description by the issued policy and underwriting. The issued policy controls how a specific claim will be handled. Review the proposed forms for reporting deadlines, defense provisions, and the covered professional services. 8 3
What to Confirm in Professional Liability (E&O) Insurance Quotes
biBerk and Hiscox Review Scores for 2026
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
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 reviewsHiscox Review Score
Review Score
4 rated sources
Hiscox’s review results are sharply divided: low Trustpilot and ConsumerAffairs scores contrast with strong Feefo feedback. Service quality deserves closer scrutiny before purchase.[1][4][5][6][7]
Read Hiscox reviewsbiBerk vs Hiscox Professional Liability (E&O) Insurance Compared
biBerk vs Hiscox: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | biBerk Professional Liability / E&O | Hiscox Professional Liability Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | Hiscox Inc., a licensed insurance intermediary, sells professional liability (errors and omissions) coverage directly online to small businesses as part of its Hiscox NOW admitted small-business catalogue. 6,7Company-reported. Company-stated online small-business channel. |
| Issuing Insurer | Confirm in your quote. | Hiscox's appetite guide and About Hiscox US page name Hiscox Insurance Company Inc. (NAIC 10200) as the underwriter of admitted Hiscox NOW professional-liability policies. 9,6Company-reported. Admitted small-business professional liability as described in company materials; the exact contracting entity for a particular state or channel should be confirmed on the quote. |
| Who It’s For | biBerk identifies consultants, accountants, real-estate agents and insurance agents as professions that may need E&O. 3Company-reported. 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. biBerk says it provides Professional Liability in all 50 states. 3Company-reported. 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. | Hiscox says professional liability is licensed for sale in 49 states and Washington, D.C., excluding Alaska, and that if it does not sell the product online in a buyer's state, a specialist broker may be able to help instead. 7,9Company-reported. Company-stated jurisdiction for the online small-business catalogue; the appetite guide's technology classes (IT consultants, software development) illustrate typical buyers but do not guarantee acceptance for any one applicant. |
| Coverage Features | biBerk says professional liability can respond when a client alleges an error, omission or negligent professional act caused financial harm. 3Company-reported. 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. biBerk says litigation defense may be covered even if the accusation proves groundless, depending on policy terms. 3Company-reported. 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. | Hiscox describes professional liability as a claims-made policy, meaning a claim is covered only if it is made (and typically reported) while the policy is active, rather than an occurrence policy covering incidents regardless of when the claim surfaces. 8Company-reported. Product FAQ description; exact triggers, retroactive dates, exclusions and wording are set by the issued policy. |
| Limits and Retentions | Confirm in your quote. | The professional-liability pages reviewed do not publish standard limit, retention or deductible amounts; specific figures are shown only on a quote. 7,8Not publicly disclosed. Public product and FAQ pages as previously reviewed. |
| How to Apply | The page describes online quote/purchase and online claim submission with phone support. 3Company-reported. 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. | Hiscox says eligible buyers can quote and buy professional liability online, with licensed advisors available by phone during posted hours for questions during the process. 7Company-reported. Company-described online application; eligibility and binding conditions require confirmation on the actual application. |
| Claims Support | Confirm in your quote. | A professional-liability FAQ tells current customers that the claims phone line is open 24 hours a day, 7 days a week, separate from the general claims-center hours listed elsewhere on the Hiscox site. 8Company-reported. Company-described claims-reporting availability for this product's FAQ; does not establish claim outcomes or turnaround time. |
Related Pages for biBerk vs Hiscox Professional Liability (E&O)
Professional Liability (E&O) Insurance Pages for biBerk and Hiscox
Other Coverage Lines Compared for biBerk vs Hiscox
Other Professional Liability (E&O) Insurance Provider Comparisons
Sources for biBerk vs Hiscox Professional Liability (E&O) Insurance
Sources About 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.
- Professional Liability Insurance | Talk To biBerk. biBerk; What Professional Liability covers. Accessed 2026-09-28.
Sources About Hiscox
- Website Terms & Conditions of Use. Hiscox; Last modified May 28, 2024; Hiscox Inc. as Delaware corporation headquartered in Atlanta, d/b/a Hiscox Insurance Agency in CA, licensed intermediary for admitted and surplus-lines business with Hiscox Insurance Company Inc., other domestic insurers, and Lloyd’s syndicates; small-business online path distinguished from broker-only site sections. Accessed 2026-09-16.
- Get A Small Business Insurance Quote. Hiscox; States that Hiscox offers general liability, professional liability, cyber security and business owner’s policies online; zip-code quote field; licensed-agent hours Monday–Friday 7 a.m.–10 p.m. ET and Saturday–Sunday 8 a.m.–5 p.m. ET. Accessed 2026-09-16.
- About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
- Professional Liability Insurance for Small Businesses. Hiscox; Professional liability/E&O product; licensed in 49 states and Washington, D.C. (Alaska excluded); specialist-broker assistance if not licensed in a state; licensed-advisor hours. Accessed 2026-09-16.
- What is Professional Liability Insurance? Hiscox; Claims-made description; current-customer claim number described as open 24 hours a day, 7 days a week. Accessed 2026-09-16.
- Hiscox US Agent Appetite Guide. Hiscox; Hiscox NOW admitted GL, PL, cyber and BOP underwritten by Hiscox Insurance Company Inc.; technology classes including IT consultants and software development. Accessed 2026-09-16.
Sources for the Professional Liability (E&O) Insurance Guide
- FAQ: Professional liability insurance. 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.
- 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.
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Professional Liability – US Direct Errors and Omissions Insurance. 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.
