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 Travelers Insurance?
Travelers suits technology companies that want CyberRisk Tech and can work through an independent agent; buyers seeking a direct online technology quote should compare digital providers. Many small accounts can be quoted in agent platforms, while specialty risks need underwriting. 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 Travelers Business Owner’s Policy?
Technology-Specific BOP Coverage
Travelers’ described BOP is specifically for technology-services businesses and combines property, general liability, business income, extra expense, cyber, and errors-and-omissions coverage. biBerk describes a small-business BOP centered on liability and property, with cyber among common endorsements. If you provide technology services, compare whether cyber and E&O are part of Travelers’ offered form or optional for your class, and whether biBerk would issue them separately. 7 3
Independent-Agent Purchase
Travelers directs buyers to an independent agent to tailor and purchase the BOP; biBerk offers direct online or phone purchase and digital servicing. That is a meaningful channel difference, especially for a technology firm seeking a bundled package. Confirm with Travelers that your specific services qualify, and with biBerk which coverages can be added without leaving its BOP. 7 3
What Should You Confirm in biBerk and Travelers Business Owner’s Policy Quotes?
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Ask Travelers whether your technology service qualifies and whether cyber and E&O are included in your quote; ask biBerk if professional liability is separate from its BOP. 7 3
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Ask Travelers which agent will tailor the policy and handle claims; ask biBerk which cyber or hired/non-owned endorsements are available for your operations. 7 3
biBerk and Travelers 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 reviewsTravelers Review Score
Review Score
3 rated sources
Travelers earns 4.5/5 from NerdWallet, but customer feedback is poor: 1.4/5 on Trustpilot and 1.3/5 for homeowners on ConsumerAffairs. Those reviews mostly concern personal insurance.[1][2][4][5][6][7]
Read Travelers reviewsbiBerk vs Travelers Business Owner’s Policy Compared
biBerk vs Travelers: Business Owner’s Policy: documented features by provider
| Criteria | biBerk Business Owners Policy (BOP) | Technology Services Business Owner's Policy |
|---|---|---|
| Role in This Line | Confirm in your quote. | Travelers packages this line as a Technology Services Business Owner's Policy (BOP) that bundles property insurance with liability insurance into a single policy for small technology-services businesses. 7Company-reported. Small Business Technology Services Insurance page as read on 2026-09-23. |
| Issuing Insurer | Confirm in your quote. | The Small Business Technology Services Insurance page does not name the specific Travelers entity that issues this BOP; the issuing company is disclosed on the policy itself. 7Not found in reviewed sources. Page checked on 2026-09-23; no underwriting-entity footer was present on this page. |
| Who It’s For | Confirm in your quote. | Travelers markets this BOP to small businesses providing technology services, including computer installation and repair, data processing services, internet service providers, IT consultants and schools, software development, web development and design, and web hosting. 7Company-reported. "Who is small business technology services insurance right for?" section. |
| 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. | Travelers says the Technology Services BOP includes property coverage, general liability, business income and extra expense coverage, and cyber liability and errors & omissions coverage, bundled into one policy. 7Company-reported. BOP description on the Small Business Technology Services Insurance page. Travelers offers optional add-ons for this BOP: the Xtend Endorsement, which it describes as 15 general liability coverage enhancements including a blanket waiver of subrogation; Employment Practices Liability+ (EPL+) for claims like discrimination or wrongful termination; and World Business Essentials, which extends some property and liability coverage for periodic overseas travel. 7Company-reported. "Customize your business policy with these add-ons" section. |
| Limits and Retentions | Confirm in your quote. | The page does not publish specific coverage limits, deductibles or sublimits for the Technology Services BOP or its add-ons; those figures appear on the quote and declarations. 7Not found in reviewed sources. Page checked 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. | Travelers directs buyers to an independent insurance agent to tailor and purchase this BOP; the page does not offer a direct self-service online quote or bind path. 7Company-reported. "Find an insurance agent" call-to-action on the technology-services page. |
Related Pages for biBerk vs Travelers Business Owner’s Policy
Business Owner’s Policy Pages for biBerk and Travelers
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Other Business Owner’s Policy Provider Comparisons
Sources for biBerk vs Travelers 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 Travelers
- Technology Insurance. Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
- Travelers Producer Compensation Disclosure (United States). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
- Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
- Small Business Technology Services Insurance. Travelers; Technology services business owner's policy (BOP) section; Who is small business technology services insurance right for?; Customize your business policy with these add-ons; Find an insurance agent CTA. 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.
