Send what biBerk issued
Forward every policy and its declarations page. Your Spot team notes which insurer and, if any, which producer the documents name, since the biBerk brand alone doesn’t tell you that.
Maple Street Co.Organized by Spot
Switch from biBerk
Switching from biBerk? Compare your options with Spot
Spot reads the small-business policies you bought from biBerk and takes your details to brokers for proposals you can compare.
- Policies bought online matched against their issued forms
- Insurer and producer recorded before any comparison
- biBerk coverage stays active until the replacement binds
How it works
We write down what you hold
Business owner’s, general liability, workers’ compensation, commercial auto or cyber: your Spot team lists every limit, deductible and endorsement, plus any lease or contract that sets requirements.
Business owner’s policy
Maple Street Co. · Policy review
- Policy wording
- Coverage limits
- Compare with
- Contract requirements
Confirm with your broker
Limits, exclusions, and endorsements
A broker route you didn’t have
biBerk describes selling directly. Spot works with brokers to take your submission to insurers that write your lines, and their questions reach you in your Slack channel.
# spot-support
AlexMaple Street Co.
Can we explore other brokers for our business owner’s policy?
RileySpot
Let’s review the information and discuss the next steps with your broker.
Choose a proposal and bind it
Your Spot team helps you compare proposals on terms as well as price and helps you bind the one you pick, before the biBerk policy ends.
Insurance documents
Broker reviewBusiness owner’s policy
Coverage limits · Policy terms
Maple Street Co.
Moving from biBerk
biBerk describes an online purchase route for small-business insurance and lists policyholder service options on its site. It lists business owner’s, general liability, workers’ compensation, commercial auto, cyber, professional liability and umbrella coverage. Which insurer or producer is involved can differ by transaction, so your policy documents are the place to confirm.
Why businesses consider switching
- 01
You want a person alongside you
Buying online is straightforward at the start. Managing renewals, audits and certificates over time is where some owners prefer help.
- 02
Your payroll or fleet changed
Workers’ compensation and commercial auto both depend on figures that shift as you grow, which can be a reason to look at other markets.
- 03
A line is missing
If a coverage you need isn’t in your current set, one program is easier to manage than policies scattered across insurers.
- 04
A renewal premium differs
A new premium is a normal moment to ask what else is available for the same coverage.
How to switch without a gap
- 01
Confirm your renewal and audit dates
Workers’ compensation can involve an audit at the end of the term. Find out when it happens and what balance to expect.
- 02
Gather quotes before you commit
Give brokers time to quote every line so you aren’t forced to pick under deadline pressure.
- 03
Bind the new coverage first
Hold the written confirmation of the new policy and its effective date before you do anything to the biBerk policy.
- 04
Cancel using the contact on your policy
Your policy documents show how to end coverage. Ask how a refund is figured and whether anything is owed.
Coverage to consider
Business owner’s policy
Buy a business owner’s policy with Spot: a prepared submission, packages compared on property, liability and income terms, and certificates ready when asked.
Get quotesGeneral liability
Buy general liability with Spot: we prepare your submission, compare broker proposals on limits and terms, and get certificates and endorsements ready.
Get quotesWorkers’ compensation
Workers’ compensation with Spot: state requirements checked, payroll and job classifications described correctly, and broker proposals compared before you bind.
Get quotesCommercial auto
Commercial auto with Spot: one submission for your vehicles and drivers, and proposals compared on liability, vehicle damage, deductibles and who’s covered.
Get quotesCyber liability
Buy cyber insurance with Spot: we describe your systems and controls for insurers, compare response and liability limits, and check customer cyber clauses.
Get quotesProfessional errors and omissions (E&O)
Buy professional liability (E&O) with Spot: a prepared submission, proposals compared on scheduled services, claims-made terms and defense, and certificates handled.
Get quotesUmbrella and excess liability
Umbrella and excess liability with Spot: contract limits checked, the underlying schedule confirmed and attachment terms compared before you bind.
Get quotes
Common questions
Where do I confirm who my insurer is?
Your policy documents name the insurer, and the producer if there is one. Send them to your Spot team so we record both before we compare any proposal.
Can Spot compare my workers’ compensation and auto together?
Yes. We can ask brokers for both lines in one submission or separately, so you can see which arrangement fits your renewal dates and your payroll.
Is Spot a biBerk company?
No, and Spot has no affiliation with biBerk. Its name is here so you know which policies this page is about.
Can I leave in the middle of the term?
Maybe. The cancellation terms in your policy decide what happens to premium, so read them first and keep biBerk coverage until a replacement is bound.
Do brokers charge me through Spot?
Brokers who work with us are paid in the usual way. Spot itself takes no commissions on premiums, and it works alongside them.
Related
Get insurance off your to-do list.
Spot reads the small-business policies you bought from biBerk and takes your details to brokers for proposals you can compare.
Get StartedLearn more before you switch providers
Read these before you choose a policy or an insurer.
