Carrier comparison
AmTrust Financial vs. biBERK for Workers' Comp
AmTrust Financial and biBERK are two workers' compensation carriers we can quote side by side through Provident Financial Group, an independent agency. On one application we present every carrier we can access, ranked, so you can compare and purchase online.
AmTrust Financial and biBERK take different approaches to workers' compensation for small businesses. The details below come directly from each carrier's record on this site — we present the facts we have verified so you can compare them directly, then request quotes through our agency. We do not rank one carrier above another; we show every option side by side.
When you submit one application through US Workers Comp Insure, we request quotes from every carrier we can access for your class code and state, including both AmTrust Financial and biBERK where each carrier's appetite and underwriting criteria allow it. A carrier that declines is shown honestly rather than hidden, and a licensed agent at Provident Financial Group can explain why and what alternatives remain.
The two carriers
AmTrust Financial
AmTrust Financial Services is a privately held small-commercial specialist founded in 1998, rated A- (Excellent) by AM Best. It is one of the largest writers of small-business workers' comp in the U.S., known for online policy issuance and a pay-as-you-go payment program.
- AM Best rating:
- A- (Excellent) (as of 2025-10)
- How it’s quoted:
- Through our agency, alongside other carriers
Workers’ comp highlights
- AM Best Financial Strength Rating of A- (Excellent); Long-Term ICR a- (Excellent), affirmed October 10, 2025
- One of the largest writers of small-business workers' compensation in the U.S.
- Streamlined online policy issuance built for small commercial accounts
- Pay-as-you-go premium payment program tied to payroll
- Founded 1998 in New York; operational headquarters in Cleveland, Ohio
- Privately held since going private in 2018
Typical fit
- Small businesses with modest payroll seeking fast, streamlined issuance
- Employers across a wide range of lower-hazard and moderate-hazard class codes
- Businesses that want pay-as-you-go billing
- Accounts where a specialist small-commercial carrier's appetite may fit better than a large-account carrier's
biBERK
biBERK is the direct-to-consumer online insurance brand of Berkshire Hathaway Direct Insurance Company, founded in 2015 and based in Omaha, Nebraska. Its underwriting entity is included in the A++ (Superior) AM Best rating held by National Indemnity Company and its affiliates.
- AM Best rating:
- A++ (Superior) (as of 2026-04)
- How it’s quoted:
- Through our agency, alongside other carriers
Workers’ comp highlights
- Underwriting entity included in National Indemnity Company's AM Best A++ (Superior) rating, affirmed April 16, 2026
- Founded 2015 as a direct-to-consumer online brand
- Backed by Berkshire Hathaway Direct Insurance Company; based in Omaha, Nebraska
- Built around a simple, self-service online application
- Separate operation from agent-distributed Berkshire Hathaway carriers such as GUARD
Typical fit
- Small businesses comfortable with a fully online, self-service application
- Employers who want a Berkshire Hathaway-backed carrier with a top-tier financial strength rating
- Simpler, lower-complexity accounts across common small-business class codes
- Businesses prioritizing balance-sheet strength when comparing carrier options
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Side by side
| Attribute | AmTrust Financial | biBERK |
|---|---|---|
| Carrier | AmTrust Financial | biBERK |
| AM Best financial strength rating | A- (Excellent) (as of 2025-10) | A++ (Superior) (as of 2026-04) |
| How it's quoted | Through our agency, alongside other carriers | Through our agency, alongside other carriers |
| Typical account fit | Small businesses with modest payroll seeking fast, streamlined issuance; Employers across a wide range of lower-hazard and moderate-hazard class codes; Businesses that want pay-as-you-go billing | Small businesses comfortable with a fully online, self-service application; Employers who want a Berkshire Hathaway-backed carrier with a top-tier financial strength rating; Simpler, lower-complexity accounts across common small-business class codes |
| Overview | AmTrust Financial Services is a privately held small-commercial specialist founded in 1998, rated A- (Excellent) by AM Best. It is one of the largest writers of small-business workers' comp in the U.S., known for online policy issuance and a pay-as-you-go payment program. | biBERK is the direct-to-consumer online insurance brand of Berkshire Hathaway Direct Insurance Company, founded in 2015 and based in Omaha, Nebraska. Its underwriting entity is included in the A++ (Superior) AM Best rating held by National Indemnity Company and its affiliates. |
How each is quoted through our agency
AmTrust Financial
Quoted through our agency alongside other carriers; we present every option side by side so you can compare and purchase online.
biBERK
Quoted through our agency alongside other carriers; we present every option side by side so you can compare and purchase online.
The bottom line
There is no single "best" carrier between AmTrust Financial and biBERK. The right fit depends on your operation, class codes, payroll and how each carrier's underwriting appetite lines up with your account — and that is exactly what one application, sent to every carrier we can access, is built to show you.
Rather than choosing one carrier up front, US Workers Comp Insure requests quotes from every carrier we can access for your state and class code, including AmTrust Financial and biBERK where each carrier's criteria allow it, and presents them ranked side by side. A carrier that declines is shown honestly rather than hidden, and a licensed agent at Provident Financial Group can explain why and what alternatives remain.
Frequently asked questions
Are AmTrust Financial and biBERK both available through your agency?
Yes. Both are carriers we can present side by side when you request workers' compensation quotes through our agency, alongside the other carriers we can access for your state and class code.
How do AmTrust Financial and biBERK compare on AM Best rating?
AmTrust Financial carries an AM Best financial strength rating of A- (Excellent) (as of 2025-10), and biBERK carries A++ (Superior) (as of 2026-04). Ratings are for identification only and do not imply an endorsement.
Which should I choose, AmTrust Financial or biBERK?
There is no single best answer. The right carrier depends on your operation, class codes, payroll and how each carrier's underwriting appetite fits your account. Rather than picking one up front, we request quotes from every carrier we can access and show you a ranked comparison so you can decide.
Do I have to choose only one carrier to get a quote?
No. You submit one application and we request quotes from every carrier we can access for your account — including AmTrust Financial and biBERK where each carrier's criteria allow it — then present them ranked side by side.
Is AmTrust publicly traded?
No. AmTrust Financial Services went private in 2018 and is privately held today.
What is AmTrust's AM Best rating?
AmTrust Insurance Company and its rated subsidiaries carry an AM Best Financial Strength Rating of A- (Excellent) and a Long-Term Issuer Credit Rating of a- (Excellent), both affirmed October 10, 2025.
What is biBERK's AM Best rating?
biBERK's underwriting entity, Berkshire Hathaway Direct Insurance Company, is included among the National Indemnity Company affiliates that AM Best rated A++ (Superior) with an aaa (Exceptional) Long-Term Issuer Credit Rating, affirmed April 16, 2026.
When was biBERK founded?
biBERK was founded in 2015 and is based in Omaha, Nebraska.
Sources
- amtrustfinancial.com — https://amtrustfinancial.com/about-us/history
- ratings.ambest.com — https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=4778
- news.ambest.com — https://news.ambest.com/newscontent.aspx?refnum=165778
- biberk.com — https://www.biberk.com/about-biberk
- markets.financialcontent.com — https://markets.financialcontent.com/stocks/article/bizwire-2026-4-16-am-best-affirms-credit-ratings-of-national-indemnity-company-and-its-affiliates?Language=english%2F1000
Last reviewed · Reviewed by Provident Financial Group licensed agents
Carrier names are used for identification only; we are not affiliated with, endorsed by, or sponsored by any carrier. Quotes are not offers of insurance; coverage and pricing are determined by each carrier’s underwriting.
US Workers Comp Insure is a brand of Provident Financial Group, a licensed independent insurance agency. NJ resident license; licensed in 23 states — NJ, NY, CT, VT, OH, MI, VA, PA, DE, MD, NC, SC, GA, FL, TX, KY, KS, CA, IN, AZ, DC, MA and NV. State license numbers available on request. We are an independent agency, not an insurer; coverage is underwritten by the issuing carrier and is subject to that policy's terms, conditions, limits and exclusions. Quotes are not offers of insurance, and no coverage is bound until confirmed in writing by a licensed agent. Carrier names are used for identification only; we are not affiliated with, endorsed by, or sponsored by any carrier named on this site.
View this comparison at https://usworkerscompinsure.com/compare/amtrust-vs-biberk-workers-comp
Compare up to 10 carriers in minutes.
One application goes out to every carrier we can access for your class of business. You get a ranked comparison you can review and purchase online — with a licensed agent available whenever you want one.
Mon–Fri, 8:00am–6:00pm ET · Independent agency licensed in 23 states