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Frequently Asked Questions

We want you to make well-informed decisions about your insurance needs. Learn from answers to the questions most frequently asked by business owners.

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Am I required to have small business insurance?Does biBerk provide business insurance in my state?Can I buy and manage my policies from biBerk online?What kind of small business insurance do I need?

Policyholderchevron_right

How do I get a Certificate of Insurance?Can I manage my own certificates of insurance?How do I download my policy documents?How can I see the coverages and limits included in my policy?

Workers’ Compensationchevron_right

What is workers compensation insurance?Why do I need workers comp insurance?What is covered in a workers comp policy?What is a workers comp audit and how does it work?

Business Owners Policy (BOP)chevron_right

What is liability insurance?What types of businesses need BOP coverage?Does biberk offer business owners policies in my state?

Professional Liability (E&O)chevron_right

What is professional liability insurance?Who needs professional liability insurance?Does biBerk offer professional liability insurance in my state?

Commercial Autochevron_right

What is commercial auto insurance for a small business?Who is covered by my small business auto insurance?How much does commercial auto insurance cost on average?

General Liabilitychevron_right

What is general liability insurance?How much does general liability insurance cost?Do I need general liability insurance for my business?

Umbrella (Commercial Excess)chevron_right

What is umbrella insurance?What is covered under an umbrella insurance policy?What is not covered under an umbrella insurance policy?

Informative Articles by Our Insurance Experts

At biBerk, we provide expert resources for small business owners so that you can be prepared for whatever comes your way. If you have general insurance questions or would like to learn more about how you can improve your coverage, please search our extensive library of articles.

Search for small business owner articles.