biBerk vs 
HUB International: How Do They Compare for General 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. 1,2
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 General Liability Insurance?
General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. 8,9,10
Key Differences in General Liability Insurance
On-premises injury: HUB’s claimant list and biBerk’s customer example
HUB says policies it arranges typically respond to bodily injury to customers, employees, vendors, or visitors on the client’s premises. biBerk names a customer injured on business premises. For an office or storefront, both sources identify the customer-on-site scenario, while HUB additionally names other claimant groups. That difference in listed examples does not show that biBerk excludes those people; compare the proposed forms for the same claimant and facts. 7 3
Evidence hold: employee-caused property damage has no matching detail
HUB also describes property damage caused by employees. biBerk’s claim says third-party property-damage claims generally but does not name employee causation or its treatment. The records therefore do not establish a second substantive, like-for-like term; broader claimant examples and an unspecified property category cannot fill that gap. This pair remains held pending affirmative biBerk wording for a matched property scenario. 7 3
What to Confirm in General Liability Insurance 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 General Liability Insurance Compared
biBerk vs HUB International: General Liability Insurance: documented features by provider
| Criteria | biBerk General Liability | HUB International General Liability Insurance Brokerage |
|---|---|---|
| Role in This Line | Confirm in your quote. | HUB brokers commercial general liability coverage rather than underwriting it itself, placing the policy with an insurer on the client's behalf. 7Company-reported. General liability product page as read on 2026-09-23; the page does not name an issuing insurer. |
| Issuing Insurer | Confirm in your quote. | The general liability product page does not name an issuing insurer; HUB places general liability business with insurers that vary by client and placement. 7Not found in reviewed sources. Checked the general liability product page on 2026-09-23; no carrier is disclosed there. |
| Coverage Features | biBerk GL describes third-party bodily injury and property-damage claims, including customer injury on business premises. 3Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business general liability. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. biBerk says GL can address product-liability lawsuits and associated legal/medical costs when a product harms a person or property. 3Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: GL product-liability coverage. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. | HUB says general liability policies it arranges typically respond to bodily injury to customers, employees, vendors or visitors on the client's premises, personal injury from an employee's negligence or actions, property damage caused by employees, and advertising injury such as slander or false advertising claims. 7Company-reported. Product-page description of typical coverage scenarios; the issued policy and its exclusions control what a specific claim triggers. |
| Limits and Retentions | Confirm in your quote. | Published per-occurrence or aggregate limits, deductibles or retentions for HUB-placed general liability policies were not found on the product page. 7Not publicly disclosed. Checked the general liability product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page. |
| Risk Services | Confirm in your quote. | The general liability product page does not describe line-specific risk-control or safety services; it only lists related products such as business interruption, D&O, EPL and workers' compensation insurance. 7Not found in reviewed sources. Checked the general liability product page on 2026-09-23. |
| How to Apply | biBerk says customers can buy its GL policy online and can get help choosing coverage from a licensed insurance expert. 3Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business GL. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. | HUB says the amount of general liability coverage a business needs depends on factors such as the type of business and its location, and directs prospects to contact a HUB broker to get started. 7Company-reported. Product-page copy; no online quote or bind flow is described. |
Related Pages for biBerk vs HUB International General Liability
General Liability Insurance Pages for biBerk and HUB International
Other Coverage Lines Compared for biBerk vs HUB International
Other General Liability Insurance Provider Comparisons
Sources for biBerk vs HUB International General Liability 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.
- General Liability Insurance From biBerk | Get A Quote Today. biBerk; What GL Covers. Accessed 2026-09-28.
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.
- General Liability Insurance Brokers. HUB International; What's typically covered: bodily injuries, personal injuries, property damage, advertising injury; coverage-amount factors; related coverage links; Contact a HUB broker call to action. Accessed 2026-09-23.
Sources for the General Liability Insurance Guide
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
- Commercial General Liability Coverage Form. ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16.
