biBerk vs 
Counterpart: How Do They Compare for Business Insurance?
biBerk describes online quote entry; Counterpart describes quote entry whose binding route remains unclear. Compare their documented roles and service routes, then confirm the insurer and terms for your quote.
Introduction to the biBerk vs Counterpart Comparison
biBerk and Counterpart describe different quote routes: online quote entry and quote entry whose binding route remains unclear. This comparison helps you match the documented process and business focus to the risk you are placing; it does not determine eligibility or policy terms. 3 20
Buyer Takeaways for biBerk vs Counterpart
biBerk Buyer Takeaways
- Depending on state and insurance type, small businesses can choose coverage and pay online or speak with an insurance expert. 3,1Company-reported. 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.
- Policyholders can use online routes for policy changes, payments, certificates, renewal or reinstatement requests and claims. 4Company-reported. Tasks and online routes listed on the public U.S. policyholder support page; not a service-level, approval, or renewal-eligibility claim.
Counterpart Buyer Takeaways
- Counterpart lists private-company and nonprofit D&O, employment practices, fiduciary, crime, professional and lawyers liability, among other lines. 15,23,24,25,26,27,28,29,30,31Company-reported. Current site marketing catalogue checked September 29, 2026. Marketing membership is separate from acceptance of a three-claim line-comparison offering.
- Counterpart’s dashboard shows broker submission statuses from in progress through underwriting review and quote. 21Company-reported. Company-described broker workflow in a July 2025 article; not independently tested.
biBerk vs Counterpart Coverage Lines Compared
| Coverage | biBerk | Counterpart |
|---|---|---|
| Business owner’s policy | Listed 6 | Not listed |
| Commercial auto | Listed 8 | Not listed |
| Crime | Not listed | Listed 27Named Commercial Crime product; confirm agreements, controls, limits and exclusions in the policy. |
| Cyber liability | Listed 5 | Not listed |
| Directors and officers | Not listed | Listed 23,24Distinct private-company and nonprofit D&O product pages; class and insurer vary by placement. |
| Employment practices liability | Not listed | Listed 25Named Employment Practices Liability product; examples and policy terms govern. |
| Fiduciary liability | Not listed | Listed 26Named Fiduciary Liability product for benefit-plan exposures; law and policy terms govern. |
| General liability | Listed 11 | Listed 28,31GL is described as a companion/package component with miscellaneous professional and lawyers liability; this does not establish broad standalone CGL. |
| Medical malpractice | Not listed | Listed 29Allied healthcare liability for named classes; not universal conventional malpractice. |
| Professional errors and omissions (E&O) | Listed 13 | Listed 28,30,29,31Several separately scoped professional-liability programs; do not generalize terms across professions. |
| Umbrella and excess liability | Listed 7 | Not listed |
| Workers’ compensation | Listed 12 | Not listed |
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.
biBerk vs Counterpart Research by Coverage Line
Open what biBerk and Counterpart each document for one coverage line.
General Liability Insurance
Professional Liability (E&O) Insurance
Current Reliability Scores for biBerk and Counterpart
Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.
biBerk Reliability Scores
CarrierCarrier & MGA
No Reliability Score
Counterpart Reliability Scores
BrokerBroker
No Reliability Score
biBerk and Counterpart Review Scores for 2026
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
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.
Read biBerk reviewsCounterpart Review Score
Review Score
No reviews found
We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.
Read Counterpart reviewsKey Differences Between biBerk and Counterpart
Business Fit and Roles
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. 1,2Company-reported. 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.
Counterpart says its U.S. products are offered by its wholly owned subsidiary, Counterpart Insurance Services, Inc., which it identifies as a licensed producer and surplus-lines broker. The company says the issuing carrier is responsible for policy obligations. 17Company-reported. Provider-published U.S. distribution disclosure; this does not rule out an additional delegated program role.
The buyer starting points differ. biBerk's published material says: biBerk targets small businesses across varied industries and lists examples such as accounting, food service, retail, and transportation. 3 Counterpart's published material says: Counterpart describes management and professional liability products for small businesses and presents both brokers and small businesses as audiences. 15 Use those descriptions to decide whose underwriting conversation to start; neither one establishes eligibility for your business.
The distinction matters when you need to know who receives the submission, which licensed intermediary can place the risk, and whose name appears as the insurer. Ask both providers to identify the producer, any program or managing entity, and the legal policy issuer for the exact quote; brand-level descriptions do not assign those roles to every policy. 1 17
Getting a Quote
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. 3,1Company-reported. 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.
A February 2025 Counterpart help article describes a wholesale-broker referral route. Its current homepage also shows “Quote Online,” but we couldn’t confirm whether the current path is broker-assisted or lets a buyer quote, purchase or bind directly. 20,15,19Conflicting sources. Older dated directions conflict with or leave an ambiguity beside a current digital quote CTA; no form or transaction was tested.
The published application descriptions do not establish that your business can complete a quote or bind online. Before comparing convenience, confirm who submits the application, whether an appointed producer is required, what information underwriting needs, and which signed documents or conditions must be satisfied before coverage starts. 3 20
Service After Binding
biBerk’s policyholder support page lists online routes for policy changes, business and driver updates, payments, certificates, renewal or reinstatement requests, and claims. The page does not establish turnaround time, approval, or eligibility for a requested change or renewal. 4Company-reported. Tasks and online routes listed on the public U.S. policyholder support page; not a service-level, approval, or renewal-eligibility claim.
Counterpart says brokers can renew professional-liability accounts in a few clicks and can speak with profession-specialized underwriters. This is not a measured renewal time or a promise of automatic, guaranteed or direct insured renewal. 22Company-reported. Company-described professional-liability broker service.
Compare the named post-bind contact for certificates, policy changes, renewal questions and claim reporting. A digital account or claim-notice route can help with administration, but it does not decide coverage or establish a claim outcome; get the applicable service contacts and notice deadlines with the proposed policy. 4 22
What Should You Confirm in biBerk and Counterpart Quotes?
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Which legal insurer will appear on the declarations, and which licensed producer or intermediary is responsible for placing this specific product? 1 17
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Does the application route require an appointed broker, a broker-submitted form, or a direct business-owner application, and what event makes coverage effective? 3 20
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For each line you need, what limits, retentions, exclusions, defense terms and endorsements appear in the proposed form, and which service contact handles renewals, changes and claim notices? 4 22
biBerk vs Counterpart Services Compared
What each provider documents about the services you may need
| Criteria | biBerk | Counterpart |
|---|---|---|
| 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. 1,2Company-reported. 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. | Counterpart says its U.S. products are offered by its wholly owned subsidiary, Counterpart Insurance Services, Inc., which it identifies as a licensed producer and surplus-lines broker. The company says the issuing carrier is responsible for policy obligations. 17Company-reported. Provider-published U.S. distribution disclosure; this does not rule out an additional delegated program role. |
| 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. 3,1Company-reported. 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. | A February 2025 Counterpart help article describes a wholesale-broker referral route. Its current homepage also shows “Quote Online,” but we couldn’t confirm whether the current path is broker-assisted or lets a buyer quote, purchase or bind directly. 20,15,19Conflicting sources. Older dated directions conflict with or leave an ambiguity beside a current digital quote CTA; no form or transaction was tested. Counterpart says its dashboard shows broker-submission statuses from in progress through underwriting review and quote; its article says binding requires a signed application and any required subjectivities. 21Company-reported. Company-described broker workflow in a July 2025 article; not independently tested. |
| Servicing and renewals | biBerk’s policyholder support page lists online routes for policy changes, business and driver updates, payments, certificates, renewal or reinstatement requests, and claims. The page does not establish turnaround time, approval, or eligibility for a requested change or renewal. 4Company-reported. Tasks and online routes listed on the public U.S. policyholder support page; not a service-level, approval, or renewal-eligibility claim. | Counterpart says brokers can renew professional-liability accounts in a few clicks and can speak with profession-specialized underwriters. This is not a measured renewal time or a promise of automatic, guaranteed or direct insured renewal. 22Company-reported. Company-described professional-liability broker service. |
Provider Profiles for biBerk and Counterpart
Sources for biBerk vs Counterpart
biBerk Official Website
- 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.
- Small Business Insurance From biBerk | Read 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.
- 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.
- biBerk Support | Small Business Insurance. biBerk; Common Support Requests, My Policy and Start a Claim routes, lines 47–75. Accessed 2026-09-28.
- Cyber Insurance & Data Breach Coverage for Business | biBerk. 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.
- Get A biBerk Business Owners Policy | Fast Online Quote. 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.
- Umbrella Insurance From biBerk | Get Coverage Today. 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.
- Commercial Auto Insurance From biBerk | Get Coverage Online. 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.
- Small Business Insurance From biBerk | Read 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.
- About biBerk | Making Small Business Insurance Simple. 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.
- General Liability Insurance From biBerk | Get A Quote Today. biBerk; Small-business General Liability product and online/phone quote route (lines 73–79); state availability FAQ (lines 231–233). Accessed 2026-09-29.
- Workers’ Compensation Insurance From biBerk | Get A Quote. biBerk; Workers’ Compensation product, quote and purchase routes (lines 73–81, 93–100); work-injury coverage description (lines 102–104). Accessed 2026-09-29.
- Professional Liability Insurance | Talk To biBerk. biBerk; Professional Liability/E&O product and online/phone quote and purchase route (lines 73–88). Accessed 2026-09-29.
- biBerk Insurance Review 2026: Berkshire Hathaway’s Basic Online Storefront. 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.
Counterpart Official Website
- Counterpart | Agentic Insurance™. Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287. Accessed 2026-09-29.
- About Counterpart. Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26. Accessed 2026-09-29.
- Licenses & Carriers. Counterpart Insurance Services, Inc.; Provider-published entity/license disclosure, carrier table, policy obligation and compensation disclosure. Source snapshot 2026-09-28. No product/state issuer map. Accessed 2026-09-28.
- Counterpart press articles. Counterpart press site; May 19, 2026 Series C item describes a future first-time push to retain risk through Counterpart Insurance Company; July 14, 2026 item announces excess coverage across product lines; Sep 1, 2026 item announces Lawyers Professional Liability. Accessed 2026-09-29.
- Counterpart application destination. Counterpart; Reached from current homepage Quote Online CTA; the page requires JavaScript and the quote app did not display. No form/account/quote/purchase/bind flow tested. Accessed 2026-09-29.
- How can I get insurance through Counterpart? Counterpart Knowledge Center; Purchase route lines 17–22; article dated Feb 6, 2025; wholesale referral instructions. Accessed 2026-09-28.
- What is my application status? Counterpart Knowledge Center; Dashboard statuses lines 17–26; article dated July 16, 2025; broker submission and signature/subjectivity requirements. Accessed 2026-09-28.
- Counterpart Professional Liability. Counterpart, Inc.; Broker renewals and profession-specialized underwriters, lines 72–81. Accessed 2026-09-28.
- Private Directors & Officers Liability Insurance. Counterpart, Inc.; Who we cover; coverage; example limits and retentions; capacity. Accessed 2026-09-28.
- Not-for-Profit Directors & Officers Insurance. Counterpart, Inc.; Who we cover; coverage; underwriting partners. Accessed 2026-09-28.
- Employment Practices Liability Insurance. Counterpart, Inc.; Eligibility; listed allegations; illustrative limits and retentions; examples. Accessed 2026-09-28.
- Fiduciary Liability Insurance. Counterpart, Inc.; Plan and employer eligibility; ERISA and plan administration; examples and illustrative limits. Accessed 2026-09-28.
- Commercial Crime Insurance. Counterpart, Inc.; Employee theft, forgery, computer/system fraud, funds-transfer and social-engineering scenarios; examples. Accessed 2026-09-28.
- Professional & General Liability. Counterpart, Inc.; Re-opened Sep 29: lines 4–8 MPL available alone or packaged with GL; lines 38–207 professions/examples; 208–245 industries, state availability, coverage descriptions; 251–283 services. Company marketing, not binding terms. Accessed 2026-09-29.
- Allied Medical & Healthcare Liability. Counterpart, Inc.; Named allied health classes, combined coverage/enhancements, limits/examples; Sep 28 source inspection. Not universal malpractice or standalone CGL. Accessed 2026-09-28.
- Architects, Engineers, & Contractors Liability. Counterpart, Inc.; A&E/contractor classes, services, example limits and enhancements; Sep 28 source inspection. Accessed 2026-09-28.
- Lawyers Professional Liability Insurance. Counterpart, Inc.; Re-opened Sep 29: rendered lines 4–8 product, 27–29 class, 236–248 company-stated U.S. reach, 250–276 services, modular limits, tech/media features and GL alongside professional coverage. Does not establish separate media/tech E&O/GL. Accessed 2026-09-29.
