---
title: "biBerk vs Pie Insurance: Professional Liability (E&O) Insurance"
description: "Pie lists E&O claims involving inaccurate advice and misrepresentation; biBerk describes alleged professional errors causing financial harm."
canonical: "https://spot.insure/compare/biberk-vs-pie-insurance/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "biberk-vs-pie-insurance"
provider-a: "biberk"
provider-b: "pie-insurance"
coverage-line: "professional-errors-omissions"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

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

## Agent Guide

**What this page is:** Focused comparison of biBerk and Pie Insurance for Professional Liability (E&O) Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Professional Liability (E&O) Insurance questions about biBerk versus Pie Insurance. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- biBerk vs Pie Insurance for Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, biBerk or Pie Insurance?
- What does biBerk or Pie Insurance publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Professional Liability (E&O) Insurance from biBerk or Pie Insurance?

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: biBerk and Pie Insurance.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [biBerk vs Pie Insurance](https://spot.insure/compare/biberk-vs-pie-insurance) — parent: all coverage lines for this pair
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — coverage explainer for this line
- [biBerk profile](https://spot.insure/insurance-providers/biberk) — provider profile (evidence)
- [Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance) — provider profile (evidence)
- [biBerk vs Pie Insurance Business Owner’s Policy](https://spot.insure/compare/biberk-vs-pie-insurance/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [biBerk vs Pie Insurance Cyber Insurance](https://spot.insure/compare/biberk-vs-pie-insurance/cyber) — sibling comparison (other line, or other pair for this line)
- [biBerk vs Pie Insurance General Liability Insurance](https://spot.insure/compare/biberk-vs-pie-insurance/general-liability) — sibling comparison (other line, or other pair for this line)
- [biBerk vs Pie Insurance Workers’ Compensation Insurance](https://spot.insure/compare/biberk-vs-pie-insurance/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs biBerk Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-biberk/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-pie-insurance/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs biBerk Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-biberk/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-pie-insurance/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs biBerk Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-biberk/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-pie-insurance/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)

# biBerk vs Pie Insurance: How Do They Compare for Professional Liability (E&O) Insurance?

Pie lists E&O claims involving inaccurate advice and misrepresentation; biBerk describes alleged professional errors causing financial harm.

## How to Use the biBerk vs Pie Insurance Professional Liability (E&O) Insurance Comparison

Use this comparison to evaluate biBerk and Pie Insurance for Professional Liability (E&O) Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## biBerk vs Pie Insurance Professional Liability (E&O) Insurance Summary

Pie names inaccurate advice, misrepresentation, negligence, and good-faith claims in its E&O description; biBerk describes an alleged-error trigger tied to client financial harm. [3](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk") [7](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions 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](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [2](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple")

[biBerk profile](https://spot.insure/insurance-providers/biberk)

## 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](https://www.pieinsurance.com/legal "Legal") [5](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [6](https://www.pieinsurance.com/resource-center/online-account-tutorial "Online Account Tutorial")

[Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance)

## What Is Professional Errors and Omissions (E&O) Insurance?

Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. [8](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [9](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [10](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [11](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance")

## What Are the Key Differences Between biBerk and Pie Insurance Professional Liability (E&O) Insurance?

### Coverage Description

Pie says E&O can address legal fees, costs, and damages for claims that advice or services caused harm, including inaccurate advice, misrepresentation, negligence, or violation of good faith. biBerk describes response when a client alleges professional error or negligence caused financial harm. Both descriptions concern alleged errors in professional work, with Pie naming additional claim categories. [7](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") [3](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk")

### Policy Terms and Scope

Pie says its E&O description does not protect against criminal prosecution; biBerk says defense may be covered for groundless accusations depending on policy terms. Those statements address different limits on claims response, so distinguish civil liability defense from criminal proceedings in the actual policy wording. [7](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") [3](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk")

## What Should You Confirm in biBerk and Pie Insurance Professional Liability (E&O) Insurance Quotes?

- Ask Pie how the issued form treats contract claims and criminal proceedings. [7](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance")
- Ask biBerk how defense costs apply to allegations tied to your professional services. [3](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk")

## biBerk vs Pie Insurance Professional Liability (E&O) Compared

| Criteria | biBerk Professional Liability / E&O | Pie Errors and Omissions Insurance |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | Pie says it helps small businesses get the best errors and omissions coverage 'from our insurance carrier partners,' identifying itself as an intermediary rather than the underwriter for this line. [7](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Errors and Omissions 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 errors and omissions product. [7](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Not publicly disclosed; scope: Errors and Omissions product page as read on 2026-09-23..) |
| Who It’s For | biBerk identifies consultants, accountants, real-estate agents and insurance agents as professions that may need E&O. [3](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk") (Evidence: Company-reported; scope: Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business professional services. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage..)<br><br>biBerk says it provides Professional Liability in all 50 states. [3](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk") (Evidence: Company-reported; scope: Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: professional E&O. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage..) | Pie names architects, contractors, attorneys, engineers, consultants, marketers, counselors, and real estate agents as professionals who often carry E&O insurance, and notes some states or clients require proof of coverage. [7](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Errors and Omissions product page as read on 2026-09-23; not an exhaustive eligibility list..) |
| Coverage Features | biBerk says professional liability can respond when a client alleges an error, omission or negligent professional act caused financial harm. [3](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk") (Evidence: Company-reported; scope: Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business professional E&O. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage..)<br><br>biBerk says litigation defense may be covered even if the accusation proves groundless, depending on policy terms. [3](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk") (Evidence: Company-reported; scope: Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: professional E&O defense. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage..) | Pie describes errors and omissions insurance, also called professional liability insurance, as covering legal fees, costs, and damages for claims that a business's advice or services caused harm, including claims of inaccurate advice, misrepresentation, negligence, or violation of good faith, but says it does not protect against criminal prosecution. [7](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Errors and Omissions product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions..) |
| Limits and Retentions | Confirm in your quote. | The reviewed page does not publish limits, deductibles, or premium ranges for errors and omissions coverage. [7](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Not publicly disclosed; scope: Errors and Omissions product page as read on 2026-09-23..) |
| How to Apply | The page describes online quote/purchase and online claim submission with phone support. [3](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk") (Evidence: Company-reported; scope: Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: professional E&O. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage..) | Pie directs errors and omissions buyers to contact the company to start a quote through its website. [7](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Errors and Omissions product page as read on 2026-09-23..) |

## Related Pages for biBerk vs Pie Insurance Professional Liability (E&O)

- [biBerk vs Pie Insurance](https://spot.insure/compare/biberk-vs-pie-insurance): all coverage lines, business roles, service and claims.
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms.
- [biBerk vs Pie Insurance Business Owner’s Policy](https://spot.insure/compare/biberk-vs-pie-insurance/business-owners-policy)
- [biBerk vs Pie Insurance Cyber Insurance](https://spot.insure/compare/biberk-vs-pie-insurance/cyber)
- [biBerk vs Pie Insurance General Liability Insurance](https://spot.insure/compare/biberk-vs-pie-insurance/general-liability)
- [biBerk vs Pie Insurance Workers’ Compensation Insurance](https://spot.insure/compare/biberk-vs-pie-insurance/workers-compensation)
- [AIG vs biBerk Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-biberk/professional-errors-omissions)
- [AIG vs Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-pie-insurance/professional-errors-omissions)
- [Alliance Risk vs biBerk Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-biberk/professional-errors-omissions)
- [Alliance Risk vs Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-pie-insurance/professional-errors-omissions)
- [Aon vs biBerk Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-biberk/professional-errors-omissions)
- [Aon vs Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-pie-insurance/professional-errors-omissions)

## Sources for biBerk vs Pie Insurance

### Sources About biBerk

1. [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.
2. [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.
3. [Professional Liability Insurance | Talk To biBerk](https://www.biberk.com/small-business-insurance/professional-liability-insurance). biBerk; What Professional Liability covers. Accessed 2026-09-28.

### Sources About Pie Insurance

4. [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.
5. [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.
6. [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.
7. [Errors and Omissions Insurance](https://www.pieinsurance.com/errors-and-omissions-insurance). Pie Insurance; Errors and Omissions Insurance hero: also known as professional liability insurance...; professions that often carry E&O; What's typically covered by errors and omissions insurance? Inaccurate advice, Misrepresentation, Negligence, Violation of good faith; Make sure you're covered: Start now. Accessed 2026-09-23.

### Sources for the Professional Liability (E&O) Insurance Guide

8. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
9. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
10. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
11. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.

Updated 2026-10-01. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## biBerk Review Scores for 2026

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 Review Scores for 2026

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).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/biberk-vs-pie-insurance/professional-errors-omissions.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)