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 HUB International?
HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. 4,5,6
What Is a Business Owner’s Policy?
A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. 8,9
What Are the Key Differences Between biBerk and HUB International Business Owner’s Policy?
Property Detail and Business Income
HUB’s description names building and business property such as equipment, stock, furniture, and fixtures, plus business liability for injury or property-damage claims. biBerk identifies building or leased-space, contents, inventory, and tools, and also describes business-income protection after covered damage. A business focused on interruption losses should ask HUB whether that coverage is part of its proposed package; compare property schedules with biBerk’s. 7 3
Advisor Tailoring vs Direct Management
HUB says an advisor fine-tunes its BOP to the client’s line of business; prospects contact a broker to get started. biBerk offers direct online or phone purchase and policy management. That is a choice between advisor-led customization and a direct service route; ask HUB which insurer will issue the policy and who handles claims. 7 3
What Should You Confirm in biBerk and HUB International Business Owner’s Policy Quotes?
biBerk and HUB International 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 reviewsHUB International Review Score
Review Score
2 rated sources
Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.[7][6]
Read HUB International reviewsbiBerk vs HUB International Business Owner’s Policy Compared
biBerk vs HUB International: Business Owner’s Policy: documented features by provider
| Criteria | biBerk Business Owners Policy (BOP) | HUB International Business Owners Policy Brokerage |
|---|---|---|
| Role in This Line | Confirm in your quote. | HUB brokers business owners policies rather than underwriting them, placing a combined property-and-liability package with an insurer on the client's behalf. 7Company-reported. BOP product page as read 2026-09-23; the page does not name an issuing insurer. |
| Issuing Insurer | Confirm in your quote. | The BOP product page does not name an issuing insurer; HUB places BOP business with insurers that vary by client and placement. 7Not found in reviewed sources. Checked the BOP product page on 2026-09-23; no carrier is disclosed there. |
| Coverage Features | biBerk combines general liability and commercial-property protection in a single small-business BOP. 3Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business BOP. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. The BOP page describes building/leased-space, contents, inventory, tools and business-income protection following covered property damage. 3Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business BOP property section. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. The BOP’s liability section identifies third-party injury, property damage, product liability and personal/advertising injury examples. 3Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business BOP liability section. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. biBerk lists cyber, hired/non-owned auto, employment-related practices, employee-benefits liability, contractors installation/tools/equipment, liquor liability, and equipment breakdown as common BOP endorsements; its hired/non-owned auto entry says that add-on can be added to either GL or BOP. 3Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business BOP endorsements. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. | HUB describes its BOP as combining building and business-property insurance, which repairs or replaces damaged buildings, equipment, stock, furniture or fixtures, with business liability insurance for injury or property-damage claims caused by the business or its employees. 7Company-reported. Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim. |
| Limits and Retentions | Confirm in your quote. | Published coverage limits, deductibles or premium ranges for HUB-placed BOPs were not found on the product page. 7Not publicly disclosed. Checked the BOP product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page. |
| Risk Services | Confirm in your quote. | HUB says an advisor works with the client to fine-tune the BOP with options that fit the client's line of business, and positions the policy as a way to eliminate coverage gaps between separate property and liability policies. 7Company-reported. Product-page marketing copy; no specific risk-control service beyond broker consultation is described. |
| How to Apply | biBerk offers direct online/phone purchase, online claim submission and policy management for its BOP. 3Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business BOP. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. | HUB directs prospects to contact a HUB broker to get started on a BOP; no online quote or self-serve bind flow is described on the page. 7Company-reported. Product-page call to action as read 2026-09-23. |
Related Pages for biBerk vs HUB International Business Owner’s Policy
Business Owner’s Policy Pages for biBerk and HUB International
Other Coverage Lines Compared for biBerk vs HUB International
Other Business Owner’s Policy Provider Comparisons
Sources for biBerk vs HUB International Business Owner’s Policy
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.
- Get A biBerk Business Owners Policy | Fast Online Quote. biBerk; BOP coverage and common endorsement list (lines 104–205); direct purchase (lines 73–75); online quote, purchase, claim submission and policy-management FAQ (lines 311–313). Accessed 2026-09-29.
Sources About HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- Business Owners Policy (BOP) Company Coverage. HUB International; BOP definition: combination of business property and liability protection for small and mid-size businesses; building and business property insurance section; business liability insurance section; related products; Connect With a Broker. Accessed 2026-09-23.
Sources for the Business Owner’s Policy Guide
- Small Business. National Association of Insurance Commissioners; FAQ: What’s a business owners policy?; What’s general liability insurance. Accessed 2026-09-16.
- Business Interruption and Business Owner Policy. National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.
