biBerk vs 
Zurich U.S.: How Do They Compare for Umbrella and Excess Liability 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. 1,2
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 4,5
What Is Umbrella and Excess Liability Insurance?
Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. 7,8,9,10,11
Key Differences in Umbrella and Excess Liability Insurance
Two Coverage Structures
Zurich Commercial Umbrella combines Coverage A follow-form excess liability with Coverage B lead umbrella liability. biBerk describes its layer as responding after a covered claim exceeds an applicable existing liability limit and applies only to coverage included underneath. For a buyer, Zurich’s two-part structure calls for reviewing which section responds to each exposure; biBerk’s key check is whether the relevant line is scheduled below. 6 3
Crisis Expense and Limits
Zurich lists a Coverage C Casualty Business Crisis Expense reimbursement up to $250,000. biBerk’s reviewed offering instead names examples of exclusions, including contractual liability, intentional harm, and damage to the insured’s own property, without publishing a limit amount. Ask for the Zurich crisis-expense conditions and the biBerk limit and exclusions in the proposed forms. 6 3
Zurich also describes a claims-made excess facility of up to $100 million; that facility is distinct from the umbrella terms and should not be treated as the standard offer. 6
What to Confirm in Umbrella and Excess Liability 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 reviewsZurich U.S.
Review Score
No reviews found
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsOffering Details
biBerk vs Zurich U.S.: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | biBerk Business Umbrella / Commercial Excess | Zurich Commercial Umbrella and Excess Liability |
|---|---|---|
| Coverage Features | biBerk says umbrella coverage can respond after a covered claim exceeds an applicable existing liability policy limit. 3Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business umbrella/excess. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. biBerk says the umbrella only applies to coverages included in the underlying policy; without commercial auto underneath, auto claims are not added. 3Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business umbrella/excess. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. biBerk lists intentional harm, damage to the insured’s own property, contractual liability and war as examples excluded from umbrella. 3Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business umbrella/excess. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. | Zurich Commercial Umbrella combines Coverage A follow-form excess liability and Coverage B lead umbrella liability. 6Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial umbrella and excess liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. Zurich’s Excess Claims Made Facility offers up to $100 million in claims-made excess casualty coverage and may consider customized wording; it is a joint Zurich, Chubb and National Indemnity facility. 6Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial umbrella and excess liability; United States. Facility capacity and terms are shared among Zurich, Chubb and Berkshire Hathaway National Indemnity; do not attribute the whole facility solely to Zurich. |
| Limits and Retentions | Confirm in your quote. | Coverage C Casualty Business Crisis Expense reimburses emergency expenses up to $250,000. 6Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial umbrella and excess liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| How to Apply | biBerk offers online or phone access to quote its umbrella, which must accompany an existing liability policy. 3Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business umbrella/excess. 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 Zurich U.S. Comparisons
Other Umbrella and Excess Liability 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.
- Umbrella Insurance From biBerk | Get Coverage Today. biBerk; Coverage trigger, underlying policies and exclusions. Accessed 2026-09-28.
Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- Commercial Umbrella Insurance Coverage | Zurich Insurance. Zurich U.S.; Umbrella and excess coverage forms, crisis expense limit, excess claims-made facility. Accessed 2026-09-28.
Umbrella and Excess Liability Insurance Guide
- Liability Insurance. Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
- Lines of Insurance. California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
- Coverage Hub. Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
- Products. Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16.
