biBerk vs 
HUB International: How Do They Compare for Umbrella and Excess 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
Read the HUB International profile
Read the HUB International Umbrella and Excess Liability Insurance page
What Is Umbrella and Excess Liability Insurance?
Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. 8,9,10,11,12
Key Differences in Umbrella and Excess Liability Insurance
Underlying Schedule and Placement Scope
biBerk says its umbrella applies only to coverages included in the underlying policy, so an auto exposure needs commercial auto underneath. HUB brokers umbrella and excess above general liability, auto, or employers’ liability, with casualty expertise spanning transportation, construction, healthcare, hospitality, manufacturing, and real estate. That sector range can help frame a larger placement discussion, while the biBerk quote is tied to the insured’s existing liability coverage. 3 7
Risk Services and Insurer Selection
HUB describes risk-services, claims, litigation, and analytics expertise across casualty programs. biBerk’s record focuses on the excess trigger and names exclusions such as contractual liability and intentional harm. HUB does not name the issuing insurer for a particular placement; ask it who will carry the risk and ask biBerk to show the insurer and scheduled underlying policies on the quote. 7 3
HUB publishes no attachment point or premium amounts, and biBerk’s reviewed page also leaves the offered limit to the quote. 7 3
What to Confirm in Umbrella and Excess Liability 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 reviewsHUB International
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 reviewsOffering Details
biBerk vs HUB International: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | biBerk Business Umbrella / Commercial Excess | HUB International Umbrella and Excess Liability Insurance Brokerage |
|---|---|---|
| Role in This Line | Confirm in your quote. | HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. 7Company-reported. Casualty insurance product page as read 2026-09-23; the page does not name an issuing insurer. |
| Issuing Insurer | Confirm in your quote. | The casualty insurance page does not name an issuing insurer for umbrella or excess coverage; HUB places this coverage with insurers that vary by client and program. 7Not found in reviewed sources. Checked the casualty insurance page on 2026-09-23; no carrier is disclosed there. |
| Who It’s For | Confirm in your quote. | HUB says its casualty expertise, which includes umbrella and excess liability, spans transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate industries. 7Company-reported. Product-page industry list for the broader casualty practice; not umbrella-specific eligibility criteria. |
| Coverage Features | biBerk says umbrella coverage can respond after a covered claim exceeds an applicable existing liability policy limit. 3Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business umbrella/excess. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. biBerk says the umbrella only applies to coverages included in the underlying policy; without commercial auto underneath, auto claims are not added. 3Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business umbrella/excess. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. biBerk lists intentional harm, damage to the insured’s own property, contractual liability and war as examples excluded from umbrella. 3Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business umbrella/excess. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. | HUB describes umbrella and excess liability coverage as protection against potentially catastrophic liability claim settlements and judgments that exceed the limits of a client's underlying general liability, auto or employers'-liability policies. 7Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim. |
| Limits and Retentions | Confirm in your quote. | Published umbrella or excess limit amounts, attachment points or premium information were not found on the casualty insurance page. 7Not publicly disclosed. Checked the casualty insurance page on 2026-09-23; limits are set on the quote and declarations. |
| Risk Services | Confirm in your quote. | HUB describes a "Global Reach, Local Touch" approach built on extensive carrier relationships and says it applies risk-services, claims, litigation and analytics expertise across its casualty programs, which include umbrella and excess placements. 7Company-reported. Product-page service description; a company-reported capability describing the broader casualty practice, not umbrella-specific service detail. |
| How to Apply | biBerk offers online or phone access to quote its umbrella, which must accompany an existing liability policy. 3Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business umbrella/excess. 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 HUB International Comparisons
Other Umbrella and Excess Liability 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.
- Umbrella Insurance From biBerk | Get Coverage Today. biBerk; Coverage trigger, underlying policies and exclusions. Accessed 2026-09-28.
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.
- Comprehensive Casualty Insurance Solutions. HUB International; Umbrella & Excess Liability section: protection for potentially catastrophic liability claim settlements and judgments; General & Product Liability section; Global Reach, Local Touch carrier-relationship description; industries served list; Connect With a HUB casualty insurance broker. Accessed 2026-09-23.
Umbrella and Excess Liability Insurance Guide
- Liability Insurance. Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
- Lines of Insurance. California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
- Coverage Hub. Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
- Products. Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16.
