biBERK Workers' Compensation Insurance

biBERK Business Insurance was founded in 2015 as the direct-to-consumer online insurance brand of Berkshire Hathaway Direct Insurance Company, and it is based in Omaha, Nebraska. The brand was built around a simple online application intended to remove traditional broker involvement from the buying process for small-business policies, including workers' compensation, general liability, and commercial auto. biBERK markets itself on the strength of the broader Berkshire Hathaway insurance organization standing behind its policies.

Berkshire Hathaway Direct Insurance Company is included among the affiliates of National Indemnity Company that AM Best affirmed with a Financial Strength Rating of A++ (Superior) and a Long-Term Issuer Credit Rating of aaa (Exceptional) on April 16, 2026, with a stable outlook -- among the highest ratings AM Best issues to any insurer. That rating reflects the consolidated strength of National Indemnity and its affiliated companies rather than a rating assigned to biBERK as a standalone entity.

biBERK's workers' compensation product is written for small businesses and is positioned as a direct, self-service online purchase, separate from Berkshire Hathaway's agent-distributed operations such as Berkshire Hathaway GUARD and separate from the bundled THREE brand. Our agency presents biBERK's workers' compensation option alongside other carriers so an employer can compare terms, coverage, and financial strength in one place before deciding how to buy. Because biBERK's application and policy management are built to be self-service, employers who prefer working through an agent for policy changes and claims support may want to weigh that against its online-only servicing model when deciding between it and an agent-serviced carrier.