--- title: "Switch from biBerk" description: "See how Spot compares workers’ compensation, liability and auto proposals before your biBerk policy renews or ends." canonical: "https://spot.insure/switch-from/biberk" page-type: "product" entities: ["Spot"] entity: "Spot" page-role: "product" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/switch-from/biberk) ## Agent Guide **What this page is:** See how Spot compares workers’ compensation, liability and auto proposals before your biBerk policy renews or ends. **Limits (do not over-claim):** - Describes Spot's own service; it does not establish coverage terms or outcomes for any company. **Related pages:** - [Spot home](https://spot.insure/) — product overview - [Sitemap](https://spot.insure/sitemap) — inventory of all public pages # 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 [Get Started](https://app.spot.insure/signup?intent=broker-change&coverage=business-owners-policy&icp=small-business) ## How it works - **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. - **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. - **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. - **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. 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 - **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. - **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. - **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. - **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 - **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. - **Gather quotes before you commit.** Give brokers time to quote every line so you aren’t forced to pick under deadline pressure. - **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. - **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 - [Business owner’s policy](https://spot.insure/insurance/business-owners-policy/quotes) - [General liability](https://spot.insure/insurance/general-liability/quotes) - [Workers’ compensation](https://spot.insure/insurance/workers-compensation/quotes) - [Commercial auto](https://spot.insure/insurance/commercial-auto/quotes) - [Cyber liability](https://spot.insure/insurance/cyber/quotes) - [Professional errors and omissions (E&O)](https://spot.insure/insurance/professional-errors-omissions/quotes) - [Umbrella and excess liability](https://spot.insure/insurance/umbrella-excess/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. ## More - [Switch providers](https://spot.insure/switch-insurance) ## Agent and Developer Resources - [Markdown page](https://spot.insure/switch-from/biberk.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)