---
title: "biBerk vs USI Insurance Services"
description: "Compare biBerk’s direct small-business route with USI Insurance Services for a company deciding whether it needs direct small-business cover or USI's broker-led property, casualty, benefits and technology advice."
canonical: "https://spot.insure/compare/biberk-vs-usi"
page-type: "provider-comparison"
updated-at: "2026-09-30"
---

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[Human-readable page](https://spot.insure/compare/biberk-vs-usi)

# biBerk vs USI Insurance Services

Compare biBerk’s direct small-business route with USI Insurance Services for a company deciding whether it needs direct small-business cover or USI's broker-led property, casualty, benefits and technology advice.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Highlights

USI is a brokerage and consulting firm with property, casualty, benefits and technology practices; biBerk sells direct to small businesses. A company seeking coordinated advice can compare USI's service model with a direct policy purchase. [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [2](https://www.biberk.com/disclosures "Small Business Insurance From biBerk | Read Disclosures") [16](https://www.usi.com/about-usi "The Power of ONE") [24](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [29](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe")

## Provider Reliability Assessments

These sourced assessments are shown for context; this comparison does not select a winner.

### biBerk

Role: Insurance carrier.

Carrier & MGA Spot Score: **No Spot Score**. Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Identity and Authority (The supplied evidence did not support a score for Identity and Authority; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best pages were not opened (bot-protection redirect). The A++ ratings are company-reported and third-party-reported, and the exact entity list on AM Best's page is unconfirmed.; NAIC complaint index could not be checked at NAIC; the only figure found is from a third-party site.; Current licence status in each state was not looked up in state DOI records. NAIC codes were seen in biBerk's disclosure and the Oregon order only.; No 50-state regulatory-action search was done; only Oregon was found through general web search.; Which insurer issues each product and state is not stated.; biBerk is a distribution brand; whether it is itself a licensed producer entity was not established.); Financial Resilience (The supplied evidence did not support a score for Financial Resilience; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best pages were not opened (bot-protection redirect). The A++ ratings are company-reported and third-party-reported, and the exact entity list on AM Best's page is unconfirmed.; NAIC complaint index could not be checked at NAIC; the only figure found is from a third-party site.; Current licence status in each state was not looked up in state DOI records. NAIC codes were seen in biBerk's disclosure and the Oregon order only.; No 50-state regulatory-action search was done; only Oregon was found through general web search.; Which insurer issues each product and state is not stated.; biBerk is a distribution brand; whether it is itself a licensed producer entity was not established.); Claims and Servicing (The supplied evidence did not support a score for Claims and Servicing; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best pages were not opened (bot-protection redirect). The A++ ratings are company-reported and third-party-reported, and the exact entity list on AM Best's page is unconfirmed.; NAIC complaint index could not be checked at NAIC; the only figure found is from a third-party site.; Current licence status in each state was not looked up in state DOI records. NAIC codes were seen in biBerk's disclosure and the Oregon order only.; No 50-state regulatory-action search was done; only Oregon was found through general web search.; Which insurer issues each product and state is not stated.; biBerk is a distribution brand; whether it is itself a licensed producer entity was not established.); Carrier-Network Strength (The supplied evidence did not support a score for Carrier-Network Strength; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best pages were not opened (bot-protection redirect). The A++ ratings are company-reported and third-party-reported, and the exact entity list on AM Best's page is unconfirmed.; NAIC complaint index could not be checked at NAIC; the only figure found is from a third-party site.; Current licence status in each state was not looked up in state DOI records. NAIC codes were seen in biBerk's disclosure and the Oregon order only.; No 50-state regulatory-action search was done; only Oregon was found through general web search.; Which insurer issues each product and state is not stated.; biBerk is a distribution brand; whether it is itself a licensed producer entity was not established.); Regulatory Conduct (The supplied evidence did not support a score for Regulatory Conduct; this factor is excluded, not scored as zero. Canonical evidence gaps: AM Best pages were not opened (bot-protection redirect). The A++ ratings are company-reported and third-party-reported, and the exact entity list on AM Best's page is unconfirmed.; NAIC complaint index could not be checked at NAIC; the only figure found is from a third-party site.; Current licence status in each state was not looked up in state DOI records. NAIC codes were seen in biBerk's disclosure and the Oregon order only.; No 50-state regulatory-action search was done; only Oregon was found through general web search.; Which insurer issues each product and state is not stated.; biBerk is a distribution brand; whether it is itself a licensed producer entity was not established.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/biberk/reliability).

### USI Insurance Services

Role: Broker.

Broker Spot Score: **5.3/10** (partial score; 15% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/usi/reliability).

## biBerk Reviews

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).

## USI Insurance Services Reviews

Review Score: 6.4 / 10 from 1 rated source, equally weighted.

USI’s public feedback is too sparse and office-specific for a firmwide verdict. Check the local team’s responsiveness and experience with your type of business.

- BBB: BBB complaint count 4. BBB business-profile grade is distinct from customer-review stars; branch/parent scope matters. Period: three years preceding access 2026-09-25. Checked 2026-09-25. [BBB result for USI Insurance Services](https://www.bbb.org/us/ny/valhalla/profile/insurance-agency/usi-insurance-services-0121-97856/complaints)
- Google reviews via Birdeye: Birdeye office listing rating from Google reviews 3.2 (5 stars); 9 reviews. One Louisville office listing, not firmwide. Birdeye shows Google-origin reviews (9) and 0 Birdeye-native reviews; this duplicates a Google source stream and is not independent of Google. Period: accessed 2026-09-25. Checked 2026-09-25. [USI office, Louisville, KY — Birdeye listing of Google reviews](https://reviews.birdeye.com/usi-insurance-145632496752867)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/usi/reviews).

## Introduction

Use biBerk as a starting point for eligible small-business policies; ask USI about broker-led planning when you need advice across property, casualty, employee benefits or technology risks. [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") [24](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [16](https://www.usi.com/about-usi "The Power of ONE")



## Coverage Comparison

| Coverage Type | biBerk | USI Insurance Services |
| --- | --- | --- |
| [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Listed [6](https://www.biberk.com/small-business-insurance/business-owners-policy "Get A biBerk Business Owners Policy | Fast Online Quote") | Not listed |
| [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Not listed | Listed: USI arranges cargo and transit insurance. [24](https://www.usi.com/property-casualty/technology/ "Technology Insurance") |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed [8](https://www.biberk.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance From biBerk | Get Coverage Online") | Listed: USI arranges commercial auto insurance. [23](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [25](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Not listed | Listed: USI arranges commercial property insurance. [24](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [23](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") |
| [Crime](https://spot.insure/coverage/crime) | Not listed | Listed: USI arranges crime insurance. [25](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed [5](https://www.biberk.com/small-business-insurance/cyber-insurance "Cyber Insurance & Data Breach Coverage for Business | biBerk") | Listed: USI arranges cyber insurance. [24](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [29](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [23](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Not listed | Listed: USI arranges directors and officers liability insurance. [24](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [25](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| [Employee health and benefits](https://spot.insure/coverage/employee-health-benefits) | Not listed | Listed: USI advises employers on health-plan design, medical costs, pharmacy and benefits administration. [28](https://www.usi.com/employee-benefits "Employee Benefits") |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Not listed | Listed: USI arranges employment practices liability insurance. [25](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Not listed | Listed: USI arranges fiduciary liability insurance. [25](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| [General liability](https://spot.insure/coverage/general-liability) | Listed [11](https://www.biberk.com/small-business-insurance/general-liability-insurance "General Liability Insurance From biBerk | Get A Quote Today") | Listed: USI arranges general liability insurance. [23](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [25](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| [Kidnap and ransom](https://spot.insure/coverage/kidnap-ransom) | Not listed | Listed: USI arranges kidnap and ransom insurance. [25](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| [Management liability](https://spot.insure/coverage/management-liability) | Not listed | Listed: USI arranges management liability coverage, including directors and officers, employment practices, fiduciary and crime insurance. [25](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| [Medical malpractice](https://spot.insure/coverage/medical-malpractice) | Not listed | Listed: USI arranges medical malpractice insurance. [27](https://www.usi.com/property-casualty/healthcare/ "Healthcare") |
| [Product liability](https://spot.insure/coverage/product-liability) | Not listed | Listed: USI arranges product liability insurance. [24](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [23](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed [13](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk") | Listed: USI arranges professional errors and omissions insurance. [25](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| [Representations and warranties](https://spot.insure/coverage/representations-warranties) | Not listed | Listed: USI arranges representations and warranties insurance. [26](https://www.usi.com/property-casualty/private-equity "Private Equity") |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Not listed | Listed: USI arranges contract, commercial and international surety bonds.  |
| [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Not listed | Listed: USI arranges technology errors and omissions insurance. [24](https://www.usi.com/property-casualty/technology/ "Technology Insurance") |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed [7](https://www.biberk.com/small-business-insurance/umbrella-insurance "Umbrella Insurance From biBerk | Get Coverage Today") | Listed: USI arranges umbrella and excess liability. [23](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [25](https://www.usi.com/property-casualty/business-services/ "Business Services") |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed [12](https://www.biberk.com/small-business-insurance/workers-compensation-insurance "Workers’ Compensation Insurance From biBerk | Get A Quote") | Listed: USI arranges workers’ compensation insurance. [23](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [25](https://www.usi.com/property-casualty/business-services/ "Business Services") |

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.



## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## Key Differences Between biBerk and USI Insurance Services

### Channel and Insurer Roles

biBerk sells direct small-business insurance. USI describes itself as an insurance brokerage and consulting firm that arranges coverage and benefits rather than issuing the policy. [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [2](https://www.biberk.com/disclosures "Small Business Insurance From biBerk | Read Disclosures") [16](https://www.usi.com/about-usi "The Power of ONE") [24](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [29](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe")

### Coverage and Business Fit

The current catalogues both list Cyber liability. Shared labels make these useful lines to request side by side; they do not show that limits, exclusions, deductibles or forms match. biBerk offers common small-business policies and describes cyber as an add-on to certain base policies. USI Insurance Services’s coverage catalogue and product descriptions should be checked against the specific exposure you are buying for, especially cyber liability. [11](https://www.biberk.com/small-business-insurance/general-liability-insurance "General Liability Insurance From biBerk | Get A Quote Today") [5](https://www.biberk.com/small-business-insurance/cyber-insurance "Cyber Insurance & Data Breach Coverage for Business | biBerk") [24](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [29](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") [23](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting")

### Application and Ongoing Service

biBerk offers eligible small businesses an online quote and purchase flow. USI directs technology and property-casualty inquiries to a local office or its team rather than publishing a self-serve commercial quote route. [4](https://www.biberk.com/support "biBerk Support | Small Business Insurance") [17](https://www.usi.com/about-usi/the-power-of-one/the-usi-one-advantage/ "The USI ONE Advantage") [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [24](https://www.usi.com/property-casualty/technology/ "Technology Insurance")

## What to Confirm in Quotes

- Can both providers quote Cyber liability with the same limits, deductibles, exclusions and policy period? Ask for the forms with each proposal.
- Who is the licensed producer or broker on each quote, which insurer issues each policy, and where do you send a claim notice? Ask which USI practice and local producer will handle the account, who will approach insurers, and how commissions or negotiated fees affect total cost. [16](https://www.usi.com/about-usi "The Power of ONE") [24](https://www.usi.com/property-casualty/technology/ "Technology Insurance")
- What premium, taxes, fees and commissions apply to the exact risk and term? Do not compare sample prices or payment methods without the same limits and coverage terms.

## Compare Services

What each provider documents about the services you may need.

| Criteria | biBerk | USI Insurance Services |
| --- | --- | --- |
| Business role | biBerk says it sells small-business insurance directly without an insurance broker. This is its company-reported channel description. Its California/Massachusetts notice names four insurers collectively as issuing most policies and lists each insurer’s licensed jurisdictions, but does not identify the insurer for a particular transaction, product, or policy or guarantee product availability in a jurisdiction. [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") [2](https://www.biberk.com/disclosures "Small Business Insurance From biBerk | Read Disclosures") (Evidence: Company-reported; scope: Company-reported description of biBerk’s U.S. small-business sales channel on its About page; not a claim about every transaction, product route, producer role, or policy issuer.; verified: 2026-09-28.) | USI describes itself as a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, program, and retirement solutions. The reviewed official pages do not identify USI as the insurer that issues commercial policies. [16](https://www.usi.com/about-usi "The Power of ONE") [15](https://www.usi.com/ "Insurance Brokerage and Consulting") [22](https://www.usi.com/commissions-fees/ "Commissions and Fees") [35](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Brand and operating description on current USI about and homepage materials, plus the 31 August 2026 Aon announcement’s About USI text. Role of any affiliate insurer is outside this fact.; verified: 2026-09-16.)<br><br>USI’s commissions page states that, as a licensed insurance producer, it may advise on insurance contracts, sell insurance, and obtain coverages for clients. Privacy and staff materials identify the operating company as USI Insurance Services LLC. Current California producer-license status remains independently unverified. [22](https://www.usi.com/commissions-fees/ "Commissions and Fees") [21](https://www.usi.com/privacy/ "Privacy") [36](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf "USI Insurance Services LLC associate biography (San Francisco)") (Evidence: Company-reported; scope: Producer role as described by USI. Does not verify license class, surplus-lines authority, or appointment status.; verified: 2026-09-16.)<br><br>On 31 August 2026, Aon plc announced a definitive agreement to acquire USI from KKR and other shareholders for a $17.0 billion purchase price, with closing expected in the fourth quarter of 2026 subject to customary conditions including regulatory approvals. Aon stated that Aon and USI will continue to operate independently until the closing date. The reviewed announcement does not establish that the transaction has closed. [35](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Announced transaction status as of the 31 August 2026 release. Does not change a buyer’s existing policy terms by itself.; verified: 2026-09-16.) |
| Application process | biBerk describes an online path in which a business answers questions, chooses coverage, and pays online; it also says applicants can speak with an insurance expert. Its homepage says availability depends on the state and type of insurance; the description does not establish that every applicant can complete or bind online. [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") (Evidence: Company-reported; scope: Company-described online quote and purchase route and expert assistance for U.S. small-business applicants. The homepage states that availability depends on state and type of insurance; this is not a claim that every applicant can complete an online purchase or bind coverage.; verified: 2026-09-28.) | USI does not publish a self-serve commercial quote flow on the reviewed pages. Technology and P&C inquiries are directed to pcinquiries@usi.com or a local office. The contact page includes a website message box that USI warns is not secured in transit and should not be used for sensitive information. Small- and medium-sized management-liability inquiries are also directed to Select.Business@usi.com. No public binding timetable or online eligibility tool was found. [24](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [23](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [19](https://www.usi.com/contact-us/ "Contact Us") [31](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Public inquiry paths as of access date. Not an application completeness or speed claim.; verified: 2026-09-16.) |
| Coverage lines | biBerk offers cyber and data-breach protection as an add-on to General Liability, Professional Liability, or a Business Owners Policy (BOP); the page does not present this as a stand-alone product. The types of response expenses and affected-person services depend on the selected base policy and terms. [5](https://www.biberk.com/small-business-insurance/cyber-insurance "Cyber Insurance & Data Breach Coverage for Business | biBerk") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: small-business cyber add-on. Jurisdiction and availability depend on state and underwriting. Company-reported page description; the issued policy and endorsement control coverage.; verified: 2026-09-29.)<br><br>biBerk describes its small-business BOP as combining General Liability and commercial property in one policy. Its page gives examples of third-party injury/property-damage liability and protection for buildings or leased space, contents, inventory, tools, and business income after covered property damage; the issued policy controls. [6](https://www.biberk.com/small-business-insurance/business-owners-policy "Get A biBerk Business Owners Policy | Fast Online Quote") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: small-business Business Owners Policy. State availability and exact terms depend on underwriting and the issued policy. Company-reported coverage description, not a policy-form determination.; verified: 2026-09-29.)<br><br>biBerk says its umbrella coverage applies only when the claim concerns coverage included in an appropriate underlying liability policy and that policy’s limits have been reached. An umbrella does not add a line such as commercial auto when the required underlying auto coverage is absent; the issued terms control. [7](https://www.biberk.com/small-business-insurance/umbrella-insurance "Umbrella Insurance From biBerk | Get Coverage Today") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: small-business umbrella/commercial excess. In New York, biBerk calls it commercial excess. Underlying coverage and exhaustion conditions are company-described; confirm the scheduled underlying policies and issued terms.; verified: 2026-09-29.)<br><br>biBerk’s commercial-auto page lists bodily-injury and property-damage liability, medical-payments/no-fault, uninsured-motorist, comprehensive, and collision coverage examples for business vehicles. Which options apply depends on the policy selected and issued. [8](https://www.biberk.com/small-business-insurance/commercial-auto-insurance "Commercial Auto Insurance From biBerk | Get Coverage Online") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: small-business commercial auto. Vehicle eligibility and availability depend on underwriting and state; page examples do not establish coverage under an individual policy.; verified: 2026-09-29.)<br><br>biBerk markets General Liability insurance for small businesses and says it is offered in many states. The page does not establish availability or eligibility for a particular business or state. [11](https://www.biberk.com/small-business-insurance/general-liability-insurance "General Liability Insurance From biBerk | Get A Quote Today") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: marketed small-business General Liability line. This is a catalogue-membership claim only, not a reviewed detailed-offering conclusion or coverage determination.; verified: 2026-09-29.)<br><br>biBerk markets Professional Liability insurance, also called Errors and Omissions (E&O), for businesses seeking protection over alleged errors or omissions in professional services. This is a catalogue-membership statement, not a determination of terms or eligibility. [13](https://www.biberk.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance | Talk To biBerk") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: marketed small-business Professional Liability/E&O line. This is a catalogue-membership claim only; the page reviewed does not establish individual eligibility or policy terms.; verified: 2026-09-29.)<br><br>biBerk markets Workers’ Compensation insurance for small businesses and describes quotes and policy purchases online or with an insurance expert. State rules and underwriting determine whether it can quote a particular employer. [12](https://www.biberk.com/small-business-insurance/workers-compensation-insurance "Workers’ Compensation Insurance From biBerk | Get A Quote") (Evidence: Company-reported; scope: Entity: biBerk brand. Product: marketed small-business Workers’ Compensation line. This is a catalogue-membership claim only, not a reviewed detailed-offering conclusion or coverage determination.; verified: 2026-09-29.) | USI’s Technology practice lists insurance placement for property; business income and contingent business income; worldwide cargo and stock; errors and omissions; product liability; directors and officers liability; network security / USI PrivaSafe; and international. Those labels describe brokerage services. Limits, exclusions, insurer, and whether a given startup qualifies remain in a quote and policy. [24](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [29](https://ucontent.usi.com/solution-insights/privasafe/ "USI Exclusive PrivaSafe") (Evidence: Company-reported; scope: Technology practice product list on usi.com as of access date. International is listed as a service theme, not a shared coverage-line key.; verified: 2026-09-16.)<br><br>USI’s commercial property and casualty pages describe advice and placement on workers’ compensation, property, general liability, auto liability, umbrella/excess, executive and professional risks, cyber, environmental, product liability, and related claims and risk-control services. Other industry pages add employment practices, crime, fiduciary, professional E&O, kidnap and ransom, representations and warranties, medical professional (malpractice) liability, and required bonding in the healthcare practice. Availability and wording vary by client, insurer, and jurisdiction. [23](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [25](https://www.usi.com/property-casualty/business-services/ "Business Services") [26](https://www.usi.com/property-casualty/private-equity "Private Equity") [27](https://www.usi.com/property-casualty/healthcare/ "Healthcare") [31](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Catalogue of marketed brokerage lines from current official practice pages. Environmental and international labels are not mapped to separate shared coverage keys.; verified: 2026-09-16.)<br><br>USI’s employee-benefits practice describes consulting to design, price, and administer employer benefit programs, including underwriting analytics, HR administration support, population health, compliance/healthcare reform guidance, pharmacy and ancillary consulting. The private-equity practice separately lists employee health and welfare insurance services after a transaction. These pages describe consulting and placement services, not a specific insured health plan or carrier. [28](https://www.usi.com/employee-benefits "Employee Benefits") [26](https://www.usi.com/property-casualty/private-equity "Private Equity") (Evidence: Company-reported; scope: Employer-sponsored benefits brokerage/consulting. Not individual health insurance.; verified: 2026-09-16.) |
| Customer focus | biBerk targets small businesses across varied industries and lists examples such as accounting, food service, retail, and transportation. The homepage FAQ says availability depends on the state and type of insurance; the industry list is illustrative, not an eligibility guarantee. [3](https://www.biberk.com/ "Small Business Insurance From biBerk | Get A Quote Online") [1](https://www.biberk.com/about-biberk "About biBerk | Making Small Business Insurance Simple") (Evidence: Company-reported; scope: U.S. small-business audience and examples on biBerk’s national site; examples are illustrative. The homepage says availability depends on the state and type of insurance; listed categories do not establish individual eligibility.; verified: 2026-09-28.) | USI says it has served over 500,000 clients nationwide and positions itself as a middle-market brokerage and consulting firm. Its Technology practice describes clients including software, hardware, networking, semiconductors, or communications companies from early seed stage through IPO. Public pages do not publish a minimum revenue, headcount, or California-startup eligibility screen. [16](https://www.usi.com/about-usi "The Power of ONE") [24](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [35](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html "Aon to acquire USI to establish the premier U.S. middle-market platform") (Evidence: Company-reported; scope: Company marketing of client types. Not an underwriting appetite or guaranteed acceptance statement.; verified: 2026-09-16.) |

## Related Reading

- [What Is biBerk Insurance?](https://spot.insure/insurance-providers/biberk)
- [What Is USI Insurance Services?](https://spot.insure/insurance-providers/usi)

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## Sources

### [biBerk Official Website](https://www.biberk.com/)

1. [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.
2. [Small Business Insurance From biBerk | Read Disclosures](https://www.biberk.com/disclosures). biBerk; California/Massachusetts applicants and insureds notice: collective insurer statement and no-guarantee qualification, lines 73–75; each insurer’s NAIC code, domicile, and licensed jurisdictions, lines 76–88. Accessed 2026-09-28.
3. [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.
4. [biBerk Support | Small Business Insurance](https://www.biberk.com/support). biBerk; Common Support Requests, My Policy and Start a Claim routes, lines 47–75. Accessed 2026-09-28.
5. [Cyber Insurance & Data Breach Coverage for Business | biBerk](https://www.biberk.com/small-business-insurance/cyber-insurance). biBerk; “What is data breach insurance and Cyber insurance add-on coverage?” (lines 76–78); “Cyber Insurance Add-on Coverage” (lines 103–107); attach options reiterated at lines 160–162. Accessed 2026-09-29.
6. [Get A biBerk Business Owners Policy | Fast Online Quote](https://www.biberk.com/small-business-insurance/business-owners-policy). biBerk; “What is a Business Owners Policy?” (lines 77–80); liability and property examples (lines 104–146); endorsements (lines 182–205). Accessed 2026-09-29.
7. [Umbrella Insurance From biBerk | Get Coverage Today](https://www.biberk.com/small-business-insurance/umbrella-insurance). biBerk; “How does Umbrella insurance work?” (lines 87–96): appropriate underlying liability policy and its limits must be reached; example at lines 97–99. Accessed 2026-09-29.
8. [Commercial Auto Insurance From biBerk | Get Coverage Online](https://www.biberk.com/small-business-insurance/commercial-auto-insurance). biBerk; “What does Commercial Auto insurance cover?”: bodily injury, property damage, medical payments/no-fault, uninsured motorist, comprehensive and collision examples (lines 116–148). Accessed 2026-09-29.
9. [Small Business Insurance From biBerk | Read Disclosures](https://www.biberk.com/disclosures). biBerk; Notice to California and Massachusetts Applicants and Insureds: four insurers collectively issue most policies, no-guarantee limitation, company codes, domicile and licensed jurisdictions, lines 73–88. Accessed 2026-09-29.
10. [About biBerk | Making Small Business Insurance Simple](https://www.biberk.com/about-biberk). biBerk; Official page title and body identify the biBerk brand and link to biBerk.com; accessed for brand capitalization and site identity only. Accessed 2026-09-29.
11. [General Liability Insurance From biBerk | Get A Quote Today](https://www.biberk.com/small-business-insurance/general-liability-insurance). biBerk; Small-business General Liability product and online/phone quote route (lines 73–79); state availability FAQ (lines 231–233). Accessed 2026-09-29.
12. [Workers’ Compensation Insurance From biBerk | Get A Quote](https://www.biberk.com/small-business-insurance/workers-compensation-insurance). biBerk; Workers’ Compensation product, quote and purchase routes (lines 73–81, 93–100); work-injury coverage description (lines 102–104). Accessed 2026-09-29.
13. [Professional Liability Insurance | Talk To biBerk](https://www.biberk.com/small-business-insurance/professional-liability-insurance). biBerk; Professional Liability/E&O product and online/phone quote and purchase route (lines 73–88). Accessed 2026-09-29.
14. [biBerk Insurance Review 2026: Berkshire Hathaway’s Basic Online Storefront](https://www.nerdwallet.com/business/insurance/learn/biberk-insurance). NerdWallet; “BiBerk pros and cons” (lines 337–343) and “Lots of complaints filed with state regulators” (lines 355–360); rating-factor methodology, including the 2022–2024 commercial general liability/property complaint finding and lowest possible complaint-factor score (lines 376–383); review updated February 13, 2026. Accessed 2026-09-29.

### [USI Insurance Services Official Website](https://www.usi.com)

15. [Insurance Brokerage and Consulting](https://www.usi.com/). USI Insurance Services; Practice tiles for property and casualty, employee benefit consulting, personal risk, PATH, and Valhalla headquarters footer. Accessed 2026-09-16.
16. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
17. [The USI ONE Advantage](https://www.usi.com/about-usi/the-power-of-one/the-usi-one-advantage/). USI Insurance Services; Omni, Network, and Enterprise planning process description. Accessed 2026-09-16.
18. [Find a USI office near you](https://www.usi.com/about-usi/locations). USI Insurance Services; More than 10,000 professionals, over 200 U.S. offices, serving every state. Accessed 2026-09-16.
19. [Contact Us](https://www.usi.com/contact-us/). USI Insurance Services; Unsecured website message note, Valhalla corporate office, claims-assistance instruction to contact a USI office. Accessed 2026-09-16.
20. [Disclaimer](https://www.usi.com/disclaimer/). USI Insurance Services; General-information disclaimer and no-warranty language. Accessed 2026-09-16.
21. [Privacy](https://www.usi.com/privacy/). USI Insurance Services; Privacy notice identifying USI Insurance Services, California appendix, and disclosure of personal information to insurance carriers as needed to provide services. Accessed 2026-09-16.
22. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
23. [P&C Insurance and Risk Consulting](https://www.usi.com/property-casualty). USI Insurance Services; Listed P&C risk exposures, claim advocates, and pcinquiries@usi.com contact. Accessed 2026-09-16.
24. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
25. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; Listed coverage solutions including D&O, EPL, crime, fiduciary, E&O, cyber, kidnap and ransom, and claim advocacy. Accessed 2026-09-16.
26. [Private Equity](https://www.usi.com/property-casualty/private-equity). USI Insurance Services; Representations and warranties insurance, employee benefits due diligence, and post-close P&C and benefits servicing. Accessed 2026-09-16.
27. [Healthcare](https://www.usi.com/property-casualty/healthcare/). USI Insurance Services; Medical professional (malpractice) liability, required bonding, and other listed healthcare specialty coverages. Accessed 2026-09-16.
28. [Employee Benefits](https://www.usi.com/employee-benefits). USI Insurance Services; Employer benefit consulting services and EBsolutions@usi.com contact. Accessed 2026-09-16.
29. [USI Exclusive PrivaSafe](https://ucontent.usi.com/solution-insights/privasafe/). USI Insurance Services; Manuscripted cyber and privacy program description. Accessed 2026-09-16.
30. [Protect Your Organization From Increasing Third-Party Cyber Exposures](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2023/protect-your-organization-from-increasing-third-party-cyber-exposures/). USI Insurance Services; PrivaSafe risk-transfer description and review of existing cyber and technology E&O policies before marketing. Accessed 2026-09-16.
31. [Protect Your Company and Personal Assets From Management Liability Risks](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/). USI Insurance Services; ExecuSafe program for D&O and management liability, including EPL, fiduciary, and crime; Select.Business@usi.com. Accessed 2026-09-16.
32. [Reduce Claims and Costs by Optimizing Your Risk Control](https://www.usi.com/executive-insights/executive-series-articles/featured/property-casualty/q4-2024/reduce-claims-and-costs-by-optimizing-your-risk-control/). USI Insurance Services; USI PATH proprietary risk-control platform description. Accessed 2026-09-16.
33. [Client Emergency Preparedness Claims Kit](https://www.usi.com/siteassets/2021-claims-reporting-guidelines.pdf). USI Insurance Services; Updated May 2021 claims-reporting table directing some lines to the insurer and executive, professional, and cyber lines to the USI account team or claims consultant. Accessed 2026-09-16.
34. [Natural Disaster Planning](https://www.usi.com/natural-disaster-planning). USI Insurance Services; Commercial P&C claims contact via client service team or local office; Select/Small Commercial contacts. Accessed 2026-09-16.
35. [Aon to acquire USI to establish the premier U.S. middle-market platform](https://www.prnewswire.com/news-releases/aon-to-acquire-usi-to-establish-the-premier-us-middle-market-platform-302864628.html). Aon plc via PR Newswire; 31 August 2026 announcement; independent operation until expected Q4 2026 close; About USI description. Accessed 2026-09-16.
36. [USI Insurance Services LLC associate biography (San Francisco)](https://info.usi.com/rs/121-VCO-807/images/Gyalzen_Phurba%2007-21.pdf). USI Insurance Services; Letterhead naming USI Insurance Services LLC, 575 Market St Suite 3750 San Francisco, CA, and CA DOI License # 0G11911. Accessed 2026-09-16.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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