---
title: "biBerk vs Pie Insurance"
description: "Compare biBerk’s direct small-business route with Pie Insurance for an employer prioritizing workers' compensation and payroll-linked servicing while also comparing basic business coverage."
canonical: "https://spot.insure/compare/biberk-vs-pie-insurance"
page-type: "provider-comparison"
updated-at: "2026-09-30"
---

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[Human-readable page](https://spot.insure/compare/biberk-vs-pie-insurance)

# biBerk vs Pie Insurance

Compare biBerk’s direct small-business route with Pie Insurance for an employer prioritizing workers' compensation and payroll-linked servicing while also comparing basic business coverage.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Highlights

Pie puts workers' compensation at the center of its small-business offer and describes payroll, payment-plan and audit processes; biBerk sells a broader direct small-business menu. Employers should compare the full compensation premium and audit rules as well as other needed lines. [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [2](https://www.biberk.com/disclosures "Small Business Insurance From biBerk | Read Disclosures") [16](https://www.pieinsurance.com/about "About Pie Insurance") [17](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [19](https://www.pieinsurance.com/legal "Legal")

## Provider Reliability Assessments

These sourced assessments are shown for context; this comparison does not select a winner.

### biBerk

Role: Insurance carrier.

Carrier & MGA Spot Score: **No Spot Score**. Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Identity and Authority (The supplied evidence did not support a score for Identity and Authority; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best pages were not opened (bot-protection redirect). The A++ ratings are company-reported and third-party-reported, and the exact entity list on AM Best's page is unconfirmed.; NAIC complaint index could not be checked at NAIC; the only figure found is from a third-party site.; Current licence status in each state was not looked up in state DOI records. NAIC codes were seen in biBerk's disclosure and the Oregon order only.; No 50-state regulatory-action search was done; only Oregon was found through general web search.; Which insurer issues each product and state is not stated.; biBerk is a distribution brand; whether it is itself a licensed producer entity was not established.); Financial Resilience (The supplied evidence did not support a score for Financial Resilience; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best pages were not opened (bot-protection redirect). The A++ ratings are company-reported and third-party-reported, and the exact entity list on AM Best's page is unconfirmed.; NAIC complaint index could not be checked at NAIC; the only figure found is from a third-party site.; Current licence status in each state was not looked up in state DOI records. NAIC codes were seen in biBerk's disclosure and the Oregon order only.; No 50-state regulatory-action search was done; only Oregon was found through general web search.; Which insurer issues each product and state is not stated.; biBerk is a distribution brand; whether it is itself a licensed producer entity was not established.); Claims and Servicing (The supplied evidence did not support a score for Claims and Servicing; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best pages were not opened (bot-protection redirect). The A++ ratings are company-reported and third-party-reported, and the exact entity list on AM Best's page is unconfirmed.; NAIC complaint index could not be checked at NAIC; the only figure found is from a third-party site.; Current licence status in each state was not looked up in state DOI records. NAIC codes were seen in biBerk's disclosure and the Oregon order only.; No 50-state regulatory-action search was done; only Oregon was found through general web search.; Which insurer issues each product and state is not stated.; biBerk is a distribution brand; whether it is itself a licensed producer entity was not established.); Carrier-Network Strength (The supplied evidence did not support a score for Carrier-Network Strength; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best pages were not opened (bot-protection redirect). The A++ ratings are company-reported and third-party-reported, and the exact entity list on AM Best's page is unconfirmed.; NAIC complaint index could not be checked at NAIC; the only figure found is from a third-party site.; Current licence status in each state was not looked up in state DOI records. NAIC codes were seen in biBerk's disclosure and the Oregon order only.; No 50-state regulatory-action search was done; only Oregon was found through general web search.; Which insurer issues each product and state is not stated.; biBerk is a distribution brand; whether it is itself a licensed producer entity was not established.); Regulatory Conduct (The supplied evidence did not support a score for Regulatory Conduct; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best pages were not opened (bot-protection redirect). The A++ ratings are company-reported and third-party-reported, and the exact entity list on AM Best's page is unconfirmed.; NAIC complaint index could not be checked at NAIC; the only figure found is from a third-party site.; Current licence status in each state was not looked up in state DOI records. NAIC codes were seen in biBerk's disclosure and the Oregon order only.; No 50-state regulatory-action search was done; only Oregon was found through general web search.; Which insurer issues each product and state is not stated.; biBerk is a distribution brand; whether it is itself a licensed producer entity was not established.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/biberk/reliability).

### Pie Insurance

Role: Hybrid role.

Broker Spot Score: **5.3/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Carrier & MGA Spot Score: **6.3/10** (partial score; 25% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Financial Resilience (AM Best rates Pie Casualty Insurance Company A- (Excellent) with a stable outlook, but no reviewed source maps that insurer to a Pie product, and the Missouri figures for The Pie Insurance Company cover one state and one line. The issuing entity’s own resources for the assessed scope are not established.); Claims and Servicing (The evidence does not sufficiently establish responsibility, access and escalation across the assessed services.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/pie-insurance/reliability).

## biBerk Reviews

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).

## Pie Insurance Reviews

Review Score: 1.7 / 10 from 2 rated sources, equally weighted.

Pie’s service record raises clear concerns: elevated regulator complaints reported by NerdWallet, 1.7/5 on Trustpilot and an F from BBB. Investigate billing, cancellation and complaint handling before buying.

- Trustpilot: TrustScore 1.7 (5 stars); 666 reviews. Brand-level Trustpilot consumer reviews; policy product is generally identified as workers’ compensation, but reviewer policy/entity scope varies. Checked 2026-09-25. [Pie Insurance Reviews - Trustpilot](https://www.trustpilot.com/review/www.pieinsurance.com)
- BBB: BBB Rating F (BBB letter grade). BBB profile for commercial insurance services; BBB grade and complaint-response record, not policy performance measure. Period: BBB profile reports 15 complaints filed, 13 unanswered; complaint data, not reviews. Checked 2026-09-25. [Pie Insurance Services | BBB Business Profile](https://www.bbb.org/us/dc/washington/profile/commercial-insurance-services/pie-insurance-services-0241-236060990)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/pie-insurance/reviews).

## Introduction

If workers' compensation is the main purchase, compare Pie's quote inputs, payments and audit process with biBerk's offer; for other small-business lines, check which company has a suitable policy form. [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") [16](https://www.pieinsurance.com/about "About Pie Insurance")



## Coverage Comparison

| Coverage Type | biBerk | Pie Insurance |
| --- | --- | --- |
| [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Listed [6](https://www.biberk.com/small-business-insurance/business-owners-policy "Get A biBerk Business Owners Policy | Fast Online Quote") | Listed: Pie accepts business owner’s policy quote requests. [21](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed [8](https://www.biberk.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance From biBerk | Get Coverage Online") | Not listed |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed [5](https://www.biberk.com/small-business-insurance/cyber-insurance "Cyber Insurance & Data Breach Coverage for Business | biBerk") | Listed: Pie provides access to cyber insurance quotes from carrier partners. [22](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") |
| [General liability](https://spot.insure/coverage/general-liability) | Listed [11](https://www.biberk.com/small-business-insurance/general-liability-insurance "General Liability Insurance From biBerk | Get A Quote Today") | Listed: Pie arranges general liability insurance through unaffiliated third-party insurers. [24](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed [13](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk") | Listed: Pie Insurance arranges professional errors and omissions insurance for small businesses through third-party insurers. [23](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed [7](https://www.biberk.com/small-business-insurance/umbrella-insurance "Umbrella Insurance From biBerk | Get Coverage Today") | Not listed |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed [12](https://www.biberk.com/small-business-insurance/workers-compensation-insurance "Workers’ Compensation Insurance From biBerk | Get A Quote") | Listed: Pie Insurance offers workers’ compensation insurance for small businesses. [17](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") |

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.



## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## Key Differences Between biBerk and Pie Insurance

### Channel and Insurer Roles

biBerk sells small-business insurance directly. Pie focuses on small-business insurance with a strong workers' compensation route, and identifies producer and carrier relationships that need to be checked on the policy. [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [2](https://www.biberk.com/disclosures "Small Business Insurance From biBerk | Read Disclosures") [16](https://www.pieinsurance.com/about "About Pie Insurance") [19](https://www.pieinsurance.com/legal "Legal")

### Coverage and Business Fit

The current catalogues both list Workers’ compensation, Business owner’s policy, General liability. Shared labels make these useful lines to request side by side; they do not show that limits, exclusions, deductibles or forms match. biBerk offers common small-business policies and describes cyber as an add-on to certain base policies. Pie Insurance’s coverage catalogue and product descriptions should be checked against the specific exposure you are buying for, especially workers’ compensation. [11](https://www.biberk.com/small-business-insurance/general-liability-insurance "General Liability Insurance From biBerk | Get A Quote Today") [12](https://www.biberk.com/small-business-insurance/workers-compensation-insurance "Workers’ Compensation Insurance From biBerk | Get A Quote") [6](https://www.biberk.com/small-business-insurance/business-owners-policy "Get A biBerk Business Owners Policy | Fast Online Quote") [17](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [21](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [24](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") [5](https://www.biberk.com/small-business-insurance/cyber-insurance "Cyber Insurance & Data Breach Coverage for Business | biBerk")

### Application and Ongoing Service

biBerk describes an online quote and purchase path. Pie asks for business and payroll information to estimate workers' compensation and publishes payment-plan choices; the final premium can change after an audit. [4](https://www.biberk.com/support "biBerk Support | Small Business Insurance") [29](https://www.pieinsurance.com/resource-center/online-account-tutorial "Online Account Tutorial") [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [16](https://www.pieinsurance.com/about "About Pie Insurance")

## What to Confirm in Quotes

- Can both providers quote Workers’ compensation, Business owner’s policy, General liability with the same limits, deductibles, exclusions and policy period? Ask for the forms with each proposal.
- Who is the licensed producer or broker on each quote, which insurer issues each policy, and where do you send a claim notice? Ask how payroll estimates, payment plans, audits and renewal changes affect the final workers' compensation premium, then compare equivalent limits and fees. [16](https://www.pieinsurance.com/about "About Pie Insurance")
- What premium, taxes, fees and commissions apply to the exact risk and term? Do not compare sample prices or payment methods without the same limits and coverage terms.

## Compare Services

What each provider documents about the services you may need.

| Criteria | biBerk | Pie Insurance |
| --- | --- | --- |
| Business role | biBerk says it sells small-business insurance directly without an insurance broker. This is its company-reported channel description. Its California/Massachusetts notice names four insurers collectively as issuing most policies and lists each insurer’s licensed jurisdictions, but does not identify the insurer for a particular transaction, product, or policy or guarantee product availability in a jurisdiction. [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") [2](https://www.biberk.com/disclosures "Small Business Insurance From biBerk | Read Disclosures") (Evidence: Company-reported; scope: Company-reported description of biBerk’s U.S. small-business sales channel on its About page; not a claim about every transaction, product route, producer role, or policy issuer.; verified: 2026-09-28.) | Small businesses can buy Pie’s workers’ compensation directly or through agents; affiliated insurers underwrite workers’ comp, while outside insurers provide some other Pie products. [16](https://www.pieinsurance.com/about "About Pie Insurance") [19](https://www.pieinsurance.com/legal "Legal") [17](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [21](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [22](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [23](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [24](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: Current public Pie brand and US small-business insurance services; this describes group roles, not a promise that every product is available to every applicant.; verified: 2026-09-15.)<br><br>If parent-company ownership matters, Pie Group Holdings, Inc. owns the website and is regulator-listed parent of Pie Casualty; AM Best identifies the insurer group as Pie Insurance Group. [18](https://www.pieinsurance.com/legal/terms-of-use "Terms Of Use") [38](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS "Pie Casualty Insurance Company — Entity Details") [36](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") (Evidence: Verified; scope: Website ownership and the parent shown for Pie Casualty Insurance Company; no claim about voting control or every intermediate subsidiary.; verified: 2026-09-15.)<br><br>Pie Insurance Services, Inc. is the producer that sells and administers policies; verify its current license in your state because Pie’s own license page is not regulator confirmation. [19](https://www.pieinsurance.com/legal "Legal") [39](https://oci.wi.gov/Pages/PressReleases/AdminActions202401.aspx "Administrative Actions — January 2024") (Evidence: Company-reported; scope: Producer identity and Pie-published US license list; Wisconsin’s regulator separately identifies this entity in a 2024 administrative action.; verified: 2026-09-15.) |
| Application process | biBerk describes an online path in which a business answers questions, chooses coverage, and pays online; it also says applicants can speak with an insurance expert. Its homepage says availability depends on the state and type of insurance; the description does not establish that every applicant can complete or bind online. [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") (Evidence: Company-reported; scope: Company-described online quote and purchase route and expert assistance for U.S. small-business applicants. The homepage states that availability depends on state and type of insurance; this is not a claim that every applicant can complete an online purchase or bind coverage.; verified: 2026-09-28.) | Small businesses can start a workers’ compensation quote online or through an insurance agent; agencies use a separate partner portal. [16](https://www.pieinsurance.com/about "About Pie Insurance") [15](https://www.pieinsurance.com/ "Pie Insurance") [17](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") (Evidence: Company-reported; scope: Workers’ compensation access for small businesses and agencies; other product pages direct buyers to quote or contact flows but do not document the same process.; verified: 2026-09-15.)<br><br>Have your ZIP, payroll and class-code details ready for a Pie workers’ compensation quote; its online intake begins with ZIP code. [20](https://quote.pieinsurance.com/ "Pie Insurance — Quote") [17](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") (Evidence: Company-reported; scope: Unauthenticated first step and Pie’s description of workers’ compensation quote inputs; no data was entered and the flow was not advanced.; verified: 2026-09-15.)<br><br>Pie advertises a workers’ compensation quote in about three minutes, but this company estimate does not predict underwriting or binding time. [17](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [15](https://www.pieinsurance.com/ "Pie Insurance") (Evidence: Company-reported; scope: Workers’ compensation quote marketing; no timed independent quote test was performed.; verified: 2026-09-15.) |
| Coverage lines | biBerk offers cyber and data-breach protection as an add-on to General Liability, Professional Liability, or a Business Owners Policy (BOP); the page does not present this as a stand-alone product. The types of response expenses and affected-person services depend on the selected base policy and terms. [5](https://www.biberk.com/small-business-insurance/cyber-insurance "Cyber Insurance & Data Breach Coverage for Business | biBerk") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: small-business cyber add-on. Jurisdiction and availability depend on state and underwriting. Company-reported page description; the issued policy and endorsement control coverage.; verified: 2026-09-29.)<br><br>biBerk describes its small-business BOP as combining General Liability and commercial property in one policy. Its page gives examples of third-party injury/property-damage liability and protection for buildings or leased space, contents, inventory, tools, and business income after covered property damage; the issued policy controls. [6](https://www.biberk.com/small-business-insurance/business-owners-policy "Get A biBerk Business Owners Policy | Fast Online Quote") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: small-business Business Owners Policy. State availability and exact terms depend on underwriting and the issued policy. Company-reported coverage description, not a policy-form determination.; verified: 2026-09-29.)<br><br>biBerk says its umbrella coverage applies only when the claim concerns coverage included in an appropriate underlying liability policy and that policy’s limits have been reached. An umbrella does not add a line such as commercial auto when the required underlying auto coverage is absent; the issued terms control. [7](https://www.biberk.com/small-business-insurance/umbrella-insurance "Umbrella Insurance From biBerk | Get Coverage Today") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: small-business umbrella/commercial excess. In New York, biBerk calls it commercial excess. Underlying coverage and exhaustion conditions are company-described; confirm the scheduled underlying policies and issued terms.; verified: 2026-09-29.)<br><br>biBerk’s commercial-auto page lists bodily-injury and property-damage liability, medical-payments/no-fault, uninsured-motorist, comprehensive, and collision coverage examples for business vehicles. Which options apply depends on the policy selected and issued. [8](https://www.biberk.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance From biBerk | Get Coverage Online") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: small-business commercial auto. Vehicle eligibility and availability depend on underwriting and state; page examples do not establish coverage under an individual policy.; verified: 2026-09-29.)<br><br>biBerk markets General Liability insurance for small businesses and says it is offered in many states. The page does not establish availability or eligibility for a particular business or state. [11](https://www.biberk.com/small-business-insurance/general-liability-insurance "General Liability Insurance From biBerk | Get A Quote Today") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: marketed small-business General Liability line. This is a catalogue-membership claim only, not a reviewed detailed-offering conclusion or coverage determination.; verified: 2026-09-29.)<br><br>biBerk markets Professional Liability insurance, also called Errors and Omissions (E&O), for businesses seeking protection over alleged errors or omissions in professional services. This is a catalogue-membership statement, not a determination of terms or eligibility. [13](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: marketed small-business Professional Liability/E&O line. This is a catalogue-membership claim only; the page reviewed does not establish individual eligibility or policy terms.; verified: 2026-09-29.)<br><br>biBerk markets Workers’ Compensation insurance for small businesses and describes quotes and policy purchases online or with an insurance expert. State rules and underwriting determine whether it can quote a particular employer. [12](https://www.biberk.com/small-business-insurance/workers-compensation-insurance "Workers’ Compensation Insurance From biBerk | Get A Quote") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: marketed small-business Workers’ Compensation line. This is a catalogue-membership claim only, not a reviewed detailed-offering conclusion or coverage determination.; verified: 2026-09-29.) | Pie currently markets workers’ comp, BOP, cyber, general liability and professional liability/E&O; product pages describe typical coverage, while the policy and endorsements determine your actual protection. [17](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [21](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [22](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [24](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") [23](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [18](https://www.pieinsurance.com/legal/terms-of-use "Terms Of Use") (Evidence: Company-reported; scope: Public US Pie pages with an explicit quote or contact invitation; educational-only topics and components of a BOP were not counted as standalone offerings.; verified: 2026-09-15.)<br><br>If you need new or renewed commercial auto, look elsewhere: Pie stopped accepting new submissions December 1, 2025 and says it will issue no new or renewal policies after January 1, 2026; existing terms remain in force through expiry. [28](https://www.pieinsurance.com/claims/comm-auto-faq "Commercial Auto Claim FAQs") [34](https://www.pieinsurance.com/claims "File Your Claim Within 24 Hours") (Evidence: Company-reported; scope: Pie’s former commercial-auto offering and legacy policies; commercial auto is intentionally excluded from the current coverage catalogue.; verified: 2026-09-15.)<br><br>Use your policy and endorsements to decide what is covered; Pie says website descriptions do not change policy terms and eligibility varies by applicant and location. [18](https://www.pieinsurance.com/legal/terms-of-use "Terms Of Use") (Evidence: Company-reported; scope: Website descriptions and US products generally; the buyer’s issued policy and endorsements control.; verified: 2026-09-15.) |
| Customer focus | biBerk targets small businesses across varied industries and lists examples such as accounting, food service, retail, and transportation. The homepage FAQ says availability depends on the state and type of insurance; the industry list is illustrative, not an eligibility guarantee. [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") (Evidence: Company-reported; scope: U.S. small-business audience and examples on biBerk’s national site; examples are illustrative. The homepage says availability depends on the state and type of insurance; listed categories do not establish individual eligibility.; verified: 2026-09-28.) | Small businesses looking for workers’ compensation can approach Pie directly or through local, regional and national agencies. [16](https://www.pieinsurance.com/about "About Pie Insurance") [17](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") (Evidence: Company-reported; scope: US small-business workers’ compensation distribution described on Pie’s current About and product pages.; verified: 2026-09-15.) |

## Related Reading

- [What Is biBerk Insurance?](https://spot.insure/insurance-providers/biberk)
- [What Is Pie Insurance?](https://spot.insure/insurance-providers/pie-insurance)

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- [Aon vs biBerk](https://spot.insure/compare/aon-vs-biberk)
- [Aon vs Pie Insurance](https://spot.insure/compare/aon-vs-pie-insurance)
- [Armilla vs biBerk](https://spot.insure/compare/armilla-vs-biberk)
- [Armilla vs Pie Insurance](https://spot.insure/compare/armilla-vs-pie-insurance)
- [At-Bay vs biBerk](https://spot.insure/compare/at-bay-vs-biberk)
- [At-Bay vs Pie Insurance](https://spot.insure/compare/at-bay-vs-pie-insurance)
- [The Baldwin Group vs biBerk](https://spot.insure/compare/baldwin-vs-biberk)
- [The Baldwin Group vs Pie Insurance](https://spot.insure/compare/baldwin-vs-pie-insurance)
- [Beazley vs biBerk](https://spot.insure/compare/beazley-vs-biberk)
- [Beazley vs Pie Insurance](https://spot.insure/compare/beazley-vs-pie-insurance)
- [Berkshire Hathaway Specialty Insurance vs biBerk](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-biberk)
- [Berkshire Hathaway Specialty Insurance vs Pie Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-pie-insurance)
- [biBerk vs CFC](https://spot.insure/compare/biberk-vs-cfc)
- [biBerk vs Chubb](https://spot.insure/compare/biberk-vs-chubb)
- [biBerk vs CNA](https://spot.insure/compare/biberk-vs-cna)
- [biBerk vs Coalition](https://spot.insure/compare/biberk-vs-coalition)
- [biBerk vs Corgi](https://spot.insure/compare/biberk-vs-corgi)
- [biBerk vs Coterie Insurance](https://spot.insure/compare/biberk-vs-coterie)
- [biBerk vs Counterpart](https://spot.insure/compare/biberk-vs-counterpart)
- [biBerk vs Coverdash](https://spot.insure/compare/biberk-vs-coverdash)
- [biBerk vs Cowbell](https://spot.insure/compare/biberk-vs-cowbell)
- [biBerk vs Embroker](https://spot.insure/compare/biberk-vs-embroker)
- [biBerk vs Founder Shield](https://spot.insure/compare/biberk-vs-foundershield)
- [CFC vs Pie Insurance](https://spot.insure/compare/cfc-vs-pie-insurance)
- [Chubb vs Pie Insurance](https://spot.insure/compare/chubb-vs-pie-insurance)
- [CNA vs Pie Insurance](https://spot.insure/compare/cna-vs-pie-insurance)
- [Coalition vs Pie Insurance](https://spot.insure/compare/coalition-vs-pie-insurance)
- [Corgi vs Pie Insurance](https://spot.insure/compare/corgi-vs-pie-insurance)
- [Coterie Insurance vs Pie Insurance](https://spot.insure/compare/coterie-vs-pie-insurance)
- [Counterpart vs Pie Insurance](https://spot.insure/compare/counterpart-vs-pie-insurance)
- [Coverdash vs Pie Insurance](https://spot.insure/compare/coverdash-vs-pie-insurance)
- [Cowbell vs Pie Insurance](https://spot.insure/compare/cowbell-vs-pie-insurance)
- [Embroker vs Pie Insurance](https://spot.insure/compare/embroker-vs-pie-insurance)

## Sources

### [biBerk Official Website](https://www.biberk.com/)

1. [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.
2. [Small Business Insurance From biBerk | Read Disclosures](https://www.biberk.com/disclosures). biBerk; California/Massachusetts applicants and insureds notice: collective insurer statement and no-guarantee qualification, lines 73–75; each insurer’s NAIC code, domicile, and licensed jurisdictions, lines 76–88. Accessed 2026-09-28.
3. [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.
4. [biBerk Support | Small Business Insurance](https://www.biberk.com/support). biBerk; Common Support Requests, My Policy and Start a Claim routes, lines 47–75. Accessed 2026-09-28.
5. [Cyber Insurance & Data Breach Coverage for Business | biBerk](https://www.biberk.com/small-business-insurance/cyber-insurance). biBerk; “What is data breach insurance and Cyber insurance add-on coverage?” (lines 76–78); “Cyber Insurance Add-on Coverage” (lines 103–107); attach options reiterated at lines 160–162. Accessed 2026-09-29.
6. [Get A biBerk Business Owners Policy | Fast Online Quote](https://www.biberk.com/small-business-insurance/business-owners-policy). biBerk; “What is a Business Owners Policy?” (lines 77–80); liability and property examples (lines 104–146); endorsements (lines 182–205). Accessed 2026-09-29.
7. [Umbrella Insurance From biBerk | Get Coverage Today](https://www.biberk.com/small-business-insurance/umbrella-insurance). biBerk; “How does Umbrella insurance work?” (lines 87–96): appropriate underlying liability policy and its limits must be reached; example at lines 97–99. Accessed 2026-09-29.
8. [Commercial Auto Insurance From biBerk | Get Coverage Online](https://www.biberk.com/small-business-insurance/commercial-auto-insurance). biBerk; “What does Commercial Auto insurance cover?”: bodily injury, property damage, medical payments/no-fault, uninsured motorist, comprehensive and collision examples (lines 116–148). Accessed 2026-09-29.
9. [Small Business Insurance From biBerk | Read Disclosures](https://www.biberk.com/disclosures). biBerk; Notice to California and Massachusetts Applicants and Insureds: four insurers collectively issue most policies, no-guarantee limitation, company codes, domicile and licensed jurisdictions, lines 73–88. Accessed 2026-09-29.
10. [About biBerk | Making Small Business Insurance Simple](https://www.biberk.com/about-biberk). biBerk; Official page title and body identify the biBerk brand and link to biBerk.com; accessed for brand capitalization and site identity only. Accessed 2026-09-29.
11. [General Liability Insurance From biBerk | Get A Quote Today](https://www.biberk.com/small-business-insurance/general-liability-insurance). biBerk; Small-business General Liability product and online/phone quote route (lines 73–79); state availability FAQ (lines 231–233). Accessed 2026-09-29.
12. [Workers’ Compensation Insurance From biBerk | Get A Quote](https://www.biberk.com/small-business-insurance/workers-compensation-insurance). biBerk; Workers’ Compensation product, quote and purchase routes (lines 73–81, 93–100); work-injury coverage description (lines 102–104). Accessed 2026-09-29.
13. [Professional Liability Insurance | Talk To biBerk](https://www.biberk.com/small-business-insurance/professional-liability-insurance). biBerk; Professional Liability/E&O product and online/phone quote and purchase route (lines 73–88). Accessed 2026-09-29.
14. [biBerk Insurance Review 2026: Berkshire Hathaway’s Basic Online Storefront](https://www.nerdwallet.com/business/insurance/learn/biberk-insurance). NerdWallet; “BiBerk pros and cons” (lines 337–343) and “Lots of complaints filed with state regulators” (lines 355–360); rating-factor methodology, including the 2022–2024 commercial general liability/property complaint finding and lowest possible complaint-factor score (lines 376–383); review updated February 13, 2026. Accessed 2026-09-29.

### [Pie Insurance Official Website](https://www.pieinsurance.com/)

15. [Pie Insurance](https://www.pieinsurance.com/). Pie Insurance; Homepage: small-business audience; direct workers’ compensation quote; online account; footer entity, insurer and availability qualifications. Accessed 2026-09-15.
16. [About Pie Insurance](https://www.pieinsurance.com/about). Pie Insurance; About Pie; direct and agency distribution; footer legal disclosure. Accessed 2026-09-15.
17. [Workers’ Comp Insurance For Small Businesses](https://www.pieinsurance.com/workers-comp). Pie Insurance; Get a workers’ compensation quote online; insurance made for your small business; quote inputs; coverage description; quote-time and savings qualifications; AM Best link. Accessed 2026-09-16.
18. [Terms Of Use](https://www.pieinsurance.com/legal/terms-of-use). Pie Insurance; Updated 26 April 2022; Ownership and Agreement to Terms; geographic and product eligibility; policy controls coverage. Accessed 2026-09-15.
19. [Legal](https://www.pieinsurance.com/legal). Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
20. [Pie Insurance — Quote](https://quote.pieinsurance.com/). Pie Insurance; First step: Business ZIP Code. Accessed 2026-09-15.
21. [Business Owner’s Policy](https://www.pieinsurance.com/small-business-insurance/business-owners-policy). Pie Insurance; BOP definition; typical components; Make sure you’re covered: Start your BOP quote; footer third-party insurer qualification. Accessed 2026-09-16.
22. [Cyber Insurance For Small Businesses](https://www.pieinsurance.com/small-business-insurance/cyber-insurance). Pie Insurance; First- and third-party descriptions; carrier-partner quote invitation; policy-variation qualification. Accessed 2026-09-16.
23. [Errors And Omissions Insurance](https://www.pieinsurance.com/errors-and-omissions-insurance). Pie Insurance; Errors and Omissions Insurance hero (E&O and professional liability equivalence); typical claims; Make sure you’re covered: insurance carrier partners, Start now; footer third-party professional liability insurers. Accessed 2026-09-16.
24. [General Liability Insurance](https://www.pieinsurance.com/small-business-insurance/general-liability). Pie Insurance; Typical covered categories; Make sure you are covered: carrier-partner quote invitation; legal footer: third-party insurers not affiliated with Pie. Accessed 2026-09-16.
25. [Workers’ Comp Coverage By State](https://www.pieinsurance.com/agency/states-we-serve). Pie Insurance; Headline says 40 states and the District of Columbia; rendered state selector listed 39 state names and omitted New York and D.C. Accessed 2026-09-15.
26. [Agency Document Library](https://www.pieinsurance.com/agency/document-library). Pie Insurance; Workers’ Comp State Documents: 40 named states plus Washington, D.C. Accessed 2026-09-15.
27. [Pie Insurance Reports Strong 2025](https://www.pieinsurance.com/resource-center/press/2025-year-in-review). Pie Insurance; 13 January 2026 release; Key 2025 Milestones says 39 states plus Washington, D.C.; company and distribution description. Accessed 2026-09-15.
28. [Commercial Auto Claim FAQs](https://www.pieinsurance.com/claims/comm-auto-faq). Pie Insurance; Does Pie offer commercial auto insurance?; submission cutoff 1 December 2025; no new or renewal policies on or after 1 January 2026; legacy claim guidance. Accessed 2026-09-15.
29. [Online Account Tutorial](https://www.pieinsurance.com/resource-center/online-account-tutorial). Pie Insurance; Payment-method updates; instant and custom certificates; policy information; document access; agent-handled custom certificate qualification. Accessed 2026-09-15.
30. [Workers’ Comp FAQs](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions). Pie Insurance; Certificates; specific and blanket waiver requests, two-business-day response and state-dependent charge; Billing & Payments; Policy Renewal / When will I know it’s time to renew my policy? (approximately 30 days before expiry, quote for review and acceptance); Annual Audit; Claims. Accessed 2026-09-29.
31. [Payment Options](https://www.pieinsurance.com/payment-options). Pie Insurance; Annual, semi-annual, quarterly, monthly and pay-as-you-go schedules; payment methods; 3% card fee and state exceptions. Accessed 2026-09-15.
32. [Pay-As-You-Go With Pie Insurance](https://www.pieinsurance.com/pay-as-you-go). Pie Insurance; No initial deposit; actual-payroll monthly premium; automatic deductions; payroll-provider coordination. Accessed 2026-09-15.
33. [Your Workers’ Comp Premium Audit](https://www.pieinsurance.com/workers-comp/premium-audit). Pie Insurance; Required annual audit; estimated versus actual payroll; audit partner; requested payroll, employee, cash-expense and subcontractor certificate records. Accessed 2026-09-15.
34. [File Your Claim Within 24 Hours](https://www.pieinsurance.com/claims). Pie Insurance; Workers’ compensation reporting by online form, 24/7 phone or email; information requested; post-report coverage determination. Accessed 2026-09-15.
35. [Partner FAQ](https://www.pieinsurance.com/agency/faq). Pie Insurance; How does Pie handle claims? (workers’ compensation in 34 states; CorVel in Alaska, Mississippi, Nevada, New Mexico and Oregon); How does Pie pay commissions? (new and renewing policies, earned premium); How does Pie handle renewals? (30-day preview: under $20,000 to insured with agency copied, over $20,000 to producer; unless otherwise notified, deposit draft and renewal issuance five days before effective date; exact $20,000 case unstated); Renewal Billing. Accessed 2026-09-29.
36. [AM Best Rating Disclosure Report — Pie Casualty Insurance Company](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0). AM Best Rating Services, Inc.; Page 1: A- (Excellent), Stable, affirmed 24 April 2026; page 14: rating unit, group insurer acquisitions, 100% workers’ compensation writing through PCIC and TPIC from 1 January 2024, 40 states and D.C. Accessed 2026-09-15.
37. [The Pie Insurance Company — Company Details](https://insurance.mo.gov/find-insurance-company/company-details?id=104347111). Missouri Department of Commerce and Insurance; Company name; active license status; NAIC 21857; property-and-casualty authority; 2025 workers’ compensation market data. Accessed 2026-09-15.
38. [Pie Casualty Insurance Company — Entity Details](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS). Illinois Department of Insurance; Legal name; P&C Domestic Stock; active status; NAIC 10997; Pie Group Holdings, Inc. parent. Accessed 2026-09-15.
39. [Administrative Actions — January 2024](https://oci.wi.gov/Pages/PressReleases/AdminActions202401.aspx). Wisconsin Office of the Commissioner of Insurance; Allegations and Actions Against Companies: Pie Insurance Services, Inc. agreed to add a disclaimer to its “save up to 30%” advertising claim after misleading-advertising allegations. Accessed 2026-09-15.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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