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 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. 5,6,7
What Is Workers’ Compensation Insurance?
Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. 9,10,11,12
Key Differences in Workers’ Compensation Insurance
Eligibility Rules and State Exceptions
TechInsurance says most states require workers’ compensation once a business hires its first employee, while Texas and South Dakota do not mandate it and some California contractors need coverage without employees. biBerk’s cited review reports that it is unavailable in four state-run-fund jurisdictions. If you employ people across states or use contractors, confirm the legal requirement and insurer route for every location. 8 4
Premium and Payroll Review
TechInsurance reports a median premium of $54 per month, with cost depending on payroll, industry, location, employee count, and claims history. biBerk bases premium on gross payroll and later reconciles actual payroll through an audit. The published median is a broad reference rather than a quote; compare actual class codes and payroll estimates. 8 3
TechInsurance offers online quotes with licensed-agent help and mentions pay-as-you-go options; biBerk offers online or phone access and says its team guides claims. 8 3
What to Confirm in Workers’ Compensation Insurance Quotes
Review Scores
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
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 reviewsTechInsurance
Review Score
2 rated sources
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.[4][5]
Read TechInsurance reviewsOffering Details
biBerk vs TechInsurance: Workers’ Compensation Insurance: documented features by provider
| Criteria | biBerk Workers’ Compensation | TechInsurance Workers' Compensation Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | TechInsurance arranges workers' compensation insurance for small businesses; the reviewed page describes it as a legally required policy in most states rather than a proprietary product. 8Company-reported. Workers' compensation product page. |
| Issuing Insurer | Confirm in your quote. | The reviewed page does not name the issuing insurer for a workers' compensation policy; TechInsurance notes that a small number of monopolistic states (it names Wyoming, Washington, Ohio and North Dakota) require purchasing coverage through a dedicated state fund rather than a private carrier. 8Not publicly disclosed. Workers' compensation product page as read on 2026-09-23. |
| Who It’s For | NerdWallet’s February 13, 2026 review reports that biBerk workers compensation is unavailable in four state-run fund jurisdictions. 4Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: workers compensation. Jurisdiction: United States; availability varies by state unless stated. Limitation: Secondary-source observation dated February 13, 2026; verify current state availability and exact policy issuer before use. | TechInsurance says workers' comp requirements vary by state: most states require coverage once a business hires its first employee, Texas and South Dakota do not mandate it, and some states such as California require it for certain contractors even with no employees. 8Company-reported. Workers' compensation product page, Are you legally required to carry workers' comp insurance? section. |
| Coverage Features | biBerk Workers’ Compensation describes medical costs, care, disability benefits, lost wages and death benefits for covered work injuries. 3Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business workers compensation. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. | TechInsurance says workers' compensation covers emergency and ongoing medical treatment for work injuries and illnesses, partial wage replacement during recovery, employer's liability coverage for related lawsuits, and death benefits including funeral costs and family financial support. 8Company-reported. Workers' compensation product page; general policy description, not a specific policy form. |
| Limits and Retentions | Confirm in your quote. | TechInsurance says its workers' compensation policyholders pay a median of $54 per month, or about $643 a year, with the exact cost depending on employee count, location, claims history, policy limits, payroll and industry risk factors. 8Company-reported. Workers' compensation product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table. |
| How to Apply | biBerk says Workers’ Comp premiums are based on gross annual payroll; its audit evaluates requested documents and uses actual employee payroll during the policy period to reconcile premium with the estimate. 3Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business workers compensation. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. | You request workers' compensation quotes online through a short application; TechInsurance says licensed agents are available to help, and mentions pay-as-you-go and minimum-premium policy structures as options for very small businesses. 8Company-reported. Workers' compensation product page, How can I save money on workers' comp coverage? section. |
| Claims Support | biBerk directs policyholders to report a claim and says its team guides them through the process. 3Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: workers compensation claims. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. | Confirm in your quote. |
Full Comparison
More biBerk vs TechInsurance Comparisons
Other Workers’ Compensation Insurance Comparisons
Sources
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.
- Workers’ Compensation Insurance From biBerk | Get A Quote. biBerk; Workers’ Comp examples and coverage. Accessed 2026-09-28.
- biBerk Insurance Review 2026: Berkshire Hathaway’s Basic Online Storefront | NerdWallet. NerdWallet; Policy availability and online quote process. Accessed 2026-09-28.
TechInsurance
- About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
- Technology Errors and Omissions – Tech E&O Insurance. TechInsurance; Tech E&O insurance includes two policies; quotation form; Technology professionals we insure. Accessed 2026-09-16.
- 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.
- Workers' Compensation Insurance – Compare Quotes. TechInsurance; What does workers' compensation insurance cover? (emergency response, ongoing treatment, partial wages, employer's liability, death benefits); How much does workers' compensation insurance cost?; Are you legally required to carry workers' comp insurance?; Do sole proprietors and independent contractors need workers' compensation insurance? Accessed 2026-09-23.
Workers’ Compensation Insurance Guide
- Workers’ Compensation Insurance. National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
- Small Business Insurance. National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
- DWC employer information. California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.
- Employer resources. Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16.
