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 Pie Insurance?
Pie suits small businesses seeking workers’ compensation with online quoting and pay-as-you-go billing based on reported payroll, without an initial deposit; firms needing a broad technology or executive program should look elsewhere. 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 Pie Insurance Business Owner’s Policy?
Interruption Expenses and Trigger
Pie describes its BOP as commercial property, liability, and business interruption, including examples such as inventory, equipment, payroll, and temporary relocation after a covered catastrophe. biBerk also describes property, liability, and business-income protection, but names building or leased space, contents, inventory, and tools. Compare which property causes and interruption expenses each issued form covers, especially payroll and relocation. 7 3
Carrier Partner vs Direct Purchase
Pie says it helps buyers find coverage from carrier partners and directs them to contact it to start a quote; biBerk offers direct online or phone purchase. Those routes differ on who selects and issues the policy. Ask Pie for the proposed carrier and binding steps, and ask biBerk which issuing company appears on your quote. 7 3
What Should You Confirm in biBerk and Pie Insurance Business Owner’s Policy Quotes?
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Ask Pie whether payroll and temporary relocation are included, and which catastrophe triggers them; ask biBerk for the interruption limit and covered-damage trigger. 7 3
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Ask Pie which carrier partner will issue your policy and what approval is pending; ask biBerk which insurer appears on the state-specific quote. 7 3
biBerk and Pie Insurance 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 reviewsPie Insurance Review Score
Review Score
2 rated sources
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.[1][4][6]
Read Pie Insurance reviewsbiBerk vs Pie Insurance Business Owner’s Policy Compared
biBerk vs Pie Insurance: Business Owner’s Policy: documented features by provider
| Criteria | biBerk Business Owners Policy (BOP) | Pie Business Owner's Policy (BOP) |
|---|---|---|
| Role in This Line | Confirm in your quote. | Pie says it helps small businesses find the best BOP quote and coverage 'from our insurance carrier partners,' identifying itself as an intermediary for this line rather than the underwriter. 7Company-reported. BOP product page as read on 2026-09-23. |
| Issuing Insurer | Confirm in your quote. | The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's BOP product. 7Not publicly disclosed. BOP product page as read on 2026-09-23. |
| Who It’s For | Confirm in your quote. | Pie markets BOP as liability and property insurance customized and bundled for small businesses, and cross-sells it alongside workers' compensation, cyber, and commercial auto on other small-business product pages. 7Company-reported. BOP product page as read on 2026-09-23; no minimum size or industry restriction was published. |
| 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. | Pie describes BOP insurance as bundling commercial property coverage (building, inventory, equipment against fire, explosion, smoke, vandalism, or wind), commercial liability protection (bodily injury, property damage, advertising injury), and business interruption coverage (payroll and temporary relocation costs after a covered catastrophe). 7Company-reported. BOP product page as read on 2026-09-23; the issued policy and endorsements control actual coverage. |
| Limits and Retentions | Confirm in your quote. | The reviewed page does not publish limits, deductibles, or premium ranges for BOP coverage. 7Not publicly disclosed. BOP product page as read on 2026-09-23. |
| 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. | Pie directs BOP buyers to contact the company to start a quote through its website; the page does not describe the same three-minute self-service flow it advertises for workers' compensation. 7Company-reported. BOP product page as read on 2026-09-23. |
Related Pages for biBerk vs Pie Insurance Business Owner’s Policy
Business Owner’s Policy Pages for biBerk and Pie Insurance
Other Coverage Lines Compared for biBerk vs Pie Insurance
Other Business Owner’s Policy Provider Comparisons
Sources for biBerk vs Pie Insurance 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 Pie Insurance
- Legal. Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
- Workers’ Comp Insurance For Small Businesses. 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.
- 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.
- Business Owner's Policy | BOP Insurance. Pie Insurance; What's typically covered by BOP insurance? Commercial Property Insurance, Commercial Liability Protection, Business Interruption Insurance; How does BOP insurance help protect small businesses?; Make sure you're covered: Start your BOP quote. 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.
