--- title: "biBerk vs TechInsurance: Professional Liability (E&O) Insurance" description: "TechInsurance describes claims-made E&O with retroactive-date considerations; biBerk describes client allegations of professional error causing financial harm." canonical: "https://spot.insure/compare/biberk-vs-techinsurance/professional-errors-omissions" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "biberk-vs-techinsurance" provider-a: "biberk" provider-b: "techinsurance" 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-techinsurance/professional-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of biBerk and TechInsurance 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 TechInsurance. 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 TechInsurance for Professional Liability (E&O) Insurance: how do they differ? - Which is better for Professional Liability (E&O) Insurance, biBerk or TechInsurance? - What does biBerk or TechInsurance 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 TechInsurance? **Key facts:** - Line: Professional Liability (E&O) Insurance. Providers: biBerk and TechInsurance. - 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 TechInsurance](https://spot.insure/compare/biberk-vs-techinsurance) — 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) - [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile (evidence) - [biBerk vs TechInsurance Business Owner’s Policy](https://spot.insure/compare/biberk-vs-techinsurance/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [biBerk vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/biberk-vs-techinsurance/commercial-auto) — sibling comparison (other line, or other pair for this line) - [biBerk vs TechInsurance Cyber Insurance](https://spot.insure/compare/biberk-vs-techinsurance/cyber) — sibling comparison (other line, or other pair for this line) - [biBerk vs TechInsurance General Liability Insurance](https://spot.insure/compare/biberk-vs-techinsurance/general-liability) — sibling comparison (other line, or other pair for this line) - [biBerk vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/biberk-vs-techinsurance/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [biBerk vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/biberk-vs-techinsurance/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 TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-techinsurance/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 TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/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 TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-techinsurance/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) # biBerk vs TechInsurance: How Do They Compare for Professional Liability (E&O) Insurance? TechInsurance describes claims-made E&O with retroactive-date considerations; biBerk describes client allegations of professional error causing financial harm. ## How to Use the biBerk vs TechInsurance Professional Liability (E&O) Insurance Comparison Use this comparison to evaluate biBerk and TechInsurance 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 TechInsurance Professional Liability (E&O) Insurance Summary TechInsurance specifies claims-made coverage and retroactive-date considerations; biBerk describes an alleged-error trigger without assigning a form type. [3](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk") [7](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) 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 TechInsurance? TechInsurance fits freelancers and small software, SaaS and IT firms that want to compare several insurers' quotes from one application, with agent help and a tech E&O plus cyber bundle. Growth-stage companies needing a managed renewal program or firm quote deadlines should look at specialist brokers. [4](https://www.techinsurance.com/about-us "About TechInsurance") [5](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") [6](https://www.techinsurance.com/contact-us "Contact Us") [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) ## 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 TechInsurance Professional Liability (E&O) Insurance? ### Coverage Description TechInsurance says its E&O policies are claims-made and explains that keeping coverage active or setting a retroactive date can address past work. biBerk describes response to client allegations of professional error causing financial harm. One description focuses on policy timing and prior work; the other states the alleged conduct and loss. Compare the full trigger and retroactive-date wording in the proposed forms. [7](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") [3](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk") ### Policy Terms and Scope TechInsurance lists professional negligence, errors or incomplete work, breach of contract, missed deadlines, and misrepresentation among E&O claim examples; biBerk describes alleged errors or negligence causing client financial harm and possible groundless-claim defense, subject to terms. Compare the covered acts and defense provisions rather than treating a general product summary as the policy. [7](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) 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 TechInsurance Professional Liability (E&O) Insurance Quotes? - Ask TechInsurance for the retroactive date, reporting extension, and deductible in the quote. [7](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") - Ask biBerk for the policy trigger and defense terms that apply to your work. [3](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk") ## biBerk vs TechInsurance Professional Liability (E&O) Compared | Criteria | biBerk Professional Liability / E&O | TechInsurance Errors and Omissions Insurance | | --- | --- | --- | | Role in This Line | Confirm in your quote. | TechInsurance arranges errors and omissions (E&O) insurance, also called professional liability insurance, as a standalone policy for businesses that provide professional services or advice. [7](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page..) | | Issuing Insurer | Confirm in your quote. | The reviewed page does not name the issuing insurer for an E&O policy. [7](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) 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..)

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..) | TechInsurance targets E&O at businesses that provide professional services or advice, naming IT and software professionals, cybersecurity and SaaS companies, insurance agents, real estate agents, tax preparers and consultants as example segments, and notes it is sometimes required by state law or licensing boards. [7](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page, Who should get errors and omissions insurance coverage? section..) | | 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..)

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..) | TechInsurance says E&O insurance covers professional negligence claims, errors or incomplete work, breach of contract, missed deadlines, misrepresentation of skill level, and communication-related disputes, and pays legal defense costs and any resulting judgment or settlement. [7](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page; general policy description, not a specific policy form..)

TechInsurance says its E&O policies are claims-made, meaning coverage applies only if the policy was active both when the incident occurred and when the claim was filed, and recommends keeping the policy active or setting a retroactive date to cover past work. [7](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page, Why is it important to keep your E&O insurance policy active? section..) | | Limits and Retentions | Confirm in your quote. | TechInsurance says its E&O policyholders pay a median of $88 per month, or $1,051 a year, with the exact premium depending on location, profession risk level, coverage limits, deductible, employee count, claims history and annual income. [7](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) | | 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..) | Confirm in your quote. | | Claims Support | Confirm in your quote. | TechInsurance says that if a client threatens to sue, you contact your carrier directly, provide policy information and explain the circumstances, and the insurer's representative helps determine next steps. [7](https://www.techinsurance.com/errors-omissions-insurance "Errors & Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Errors and omissions product page, How does E&O insurance coverage work? section..) | ## Related Pages for biBerk vs TechInsurance Professional Liability (E&O) - [biBerk vs TechInsurance](https://spot.insure/compare/biberk-vs-techinsurance): 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 TechInsurance Business Owner’s Policy](https://spot.insure/compare/biberk-vs-techinsurance/business-owners-policy) - [biBerk vs TechInsurance Commercial Auto Insurance](https://spot.insure/compare/biberk-vs-techinsurance/commercial-auto) - [biBerk vs TechInsurance Cyber Insurance](https://spot.insure/compare/biberk-vs-techinsurance/cyber) - [biBerk vs TechInsurance General Liability Insurance](https://spot.insure/compare/biberk-vs-techinsurance/general-liability) - [biBerk vs TechInsurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/biberk-vs-techinsurance/umbrella-excess) - [biBerk vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/biberk-vs-techinsurance/workers-compensation) - [AIG vs biBerk Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-biberk/professional-errors-omissions) - [AIG vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-techinsurance/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 TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/professional-errors-omissions) - [Aon vs biBerk Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-biberk/professional-errors-omissions) - [Aon vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-techinsurance/professional-errors-omissions) ## Sources for biBerk vs TechInsurance ### 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 TechInsurance 4. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16. 5. [Technology Errors and Omissions – Tech E&O Insurance](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage). TechInsurance; Tech E&O insurance includes two policies; quotation form; Technology professionals we insure. Accessed 2026-09-16. 6. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16. 7. [Errors & Omissions (E&O) Insurance](https://www.techinsurance.com/errors-omissions-insurance). TechInsurance; What does errors and omissions insurance cover? (professional negligence, errors or incomplete work, breach of contract, missed deadlines, misrepresentation, communication challenges); How much does E&O insurance cost?; Who should get errors and omissions insurance coverage?; How does E&O insurance coverage work? (claims-made). 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). ## TechInsurance Review Scores for 2026 Review Score: 9.1 / 10 from 2 rated sources, equally weighted. TechInsurance’s available ratings are favorable, with praise for broker guidance. The feedback supports its shopping service more than any particular insurer’s claims handling. - Trustpilot: Trustpilot TrustScore 4.4 (5 stars); 311 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for TechInsurance](https://uk.trustpilot.com/review/techinsurance.com) - ConsumerAffairs: ConsumerAffairs consumer rating 4.7 (5 stars); 25 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-08-14; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for TechInsurance](https://www.consumeraffairs.com/insurance/techinsurance.html) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/techinsurance/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/biberk-vs-techinsurance/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)