biBerk vs Simply Business: How Do They Compare for Business Owner’s Policy?

Simply Business’s June 30, 2026 Terms say quotes vary by state, insurer, and business and binding requires panel approval; its BOP page says workers’ compensation and professional liability are not standard inclusions. biBerk describes direct purchase and servicing. ^3,^6,⁵

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

Read the biBerk profile

Read the biBerk Business Owner’s Policy page

Simply Business: Online Small-Business Insurance Marketplace

Simply Business describes a digital marketplace and licensed-producer service for small businesses. The policy and selected insurer determine coverage, fees, servicing and claims responsibilities. ^4,⁵

Read the Simply Business profile

Read the Simply Business Business Owner’s Policy page

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. ^7,⁸

Read the full coverage guide

What Are the Key Differences Between biBerk and Simply Business Business Owner’s Policy?

Base BOP Contents and Exclusions

Simply Business says a standard BOP typically combines general liability and property, while discussing business interruption with terms dependent on the issued form. It also states workers’ compensation and professional liability are not included by default. biBerk describes property and business-income protection and lists some optional endorsements, including employment-related practices and hired/non-owned auto. Ask both what is included in the base quote and what needs a separate policy. ⁶ ³

Marketplace Approval and Binding

Simply Business describes an online marketplace where buyers enter business details and review quotes. Its June 30, 2026 Terms say availability varies by state, insurer, and business and binding requires panel-member approval. biBerk describes direct online or phone purchase and digital policy management. Confirm the selected insurer, any remaining approval, and the effective date before paying. ⁵ ³

What Should You Confirm in biBerk and Simply Business Business Owner’s Policy Quotes?

Ask Simply Business which carrier and form are behind the quote, especially whether business interruption is included; ask biBerk for its interruption wording and limit. ⁶ ³
Ask Simply Business what panel approval remains before binding and the effective date; ask biBerk when its direct purchase takes effect. ⁵ ³

biBerk and Simply Business 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

9.0/ 10

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 reviews

Simply Business Review Score

5.7/ 10

Review Score

4 rated sources

Customers disagree about Simply Business. Trustpilot shows 4.3 out of 5 from 1,901 reviews, but BBB customers give it 1.95 from 20 reviews and ConsumerAffairs shows 1.0.^[6]^[10]^[7]

Read Simply Business reviews

biBerk vs Simply Business Business Owner’s Policy Compared

biBerk vs Simply Business: Business Owner’s Policy: documented features by provider

Criteria	biBerk Business Owners Policy (BOP)	Business owner’s policy (BOP) through Simply Business
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.	Simply Business describes a BOP as a package that typically combines general liability and property coverage and discusses business-interruption protection. Exact covered property, interruption triggers and exclusions depend on the issued form. ⁶Company-reported. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. The company says a standard BOP does not include workers’ compensation or professional liability by default; professional liability may be added in some cases. Check the selected policy and endorsements. ⁶Company-reported. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.
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.	The page describes entering business details and reviewing available quotes through the marketplace. The Terms say coverage and quote availability vary by state, insurer and business, and binding needs panel-member approval. ^6,⁵Company-reported. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.

Criteria

biBerk Business Owners Policy (BOP)

Business owner’s policy (BOP) through Simply Business

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.

Simply Business describes a BOP as a package that typically combines general liability and property coverage and discusses business-interruption protection. Exact covered property, interruption triggers and exclusions depend on the issued form. ⁶Company-reported. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.

The company says a standard BOP does not include workers’ compensation or professional liability by default; professional liability may be added in some cases. Check the selected policy and endorsements. ⁶Company-reported. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.

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.

The page describes entering business details and reviewing available quotes through the marketplace. The Terms say coverage and quote availability vary by state, insurer and business, and binding needs panel-member approval. ^6,⁵Company-reported. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.

Related Pages for biBerk vs Simply Business Business Owner’s Policy

Business Owner’s Policy Pages for biBerk and Simply Business

Other Coverage Lines Compared for biBerk vs Simply Business

Other Business Owner’s Policy Provider Comparisons

Sources for biBerk vs Simply Business 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 Simply Business

Our Small Business Insurance Story. Simply Business; Opening description and audience; digital marketplace, business types and U.S. service. Accessed 2026-09-29.
Terms of Service. Simply Business; Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211. Accessed 2026-09-29.
Business Owner’s Policy Insurance. Simply Business; Bundle lines 34–38, 218–243; add-on/exclusion discussion lines 226–243; buyer and quote sections. Accessed 2026-09-29.

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.