biBERK Review 2026

Coverage Options

biBERK offers essential trucking coverages through their digital platform:

Primary Liability Insurance: Standard FMCSA-compliant coverage with limits up to $1 million.[^5][^6] The direct platform handles BMC-91 filings.

Physical Damage Coverage: Comprehensive and collision protection for your equipment with standard deductible options.

General Liability: Coverage for your business operations beyond trucking, including premises and completed operations.

Note: biBERK's trucking offerings are more limited than specialty trucking insurers. Complex operations may need additional markets.

The Direct Model

biBERK's approach eliminates traditional distribution:

No Agents: You interact directly with biBERK online. There is no insurance agent earning commission on your policy.

Self-Service: Policy management, certificates of insurance, and basic changes are handled through their portal.

Efficiency: The streamlined model aims to reduce overhead costs that get passed to policyholders.

Trade-Off: Without an agent, you lose the advocacy and expertise a good trucking insurance agent provides.

Important Limitation: Experience Required

Unlike some competitors, biBERK does not write new authorities:

• Minimum 2 years operating authority required
• Clean safety record expected
• Standard commodities and operating patterns preferred

This is not the market for new entrants or high-risk operations.

Claims Process

biBERK's claims handling reflects their digital-first approach:

• Online claims filing through their portal
• Phone support for claims questions
• Berkshire Hathaway's financial strength ensures claims payment
• Less trucking-specific expertise than specialty carriers

The claims experience is straightforward but may lack the industry-specific knowledge of trucking-focused insurers.

Customer Service

The direct model means digital-first service:

• Online portal for policy management
• Phone support for questions
• Limited hand-holding compared to agent model
• Self-sufficient operators will find the experience adequate

If you prefer having an agent advocate for your interests or need help navigating complex situations, the direct model may not suit you.

Financial Strength

biBERK's ultimate advantage is their backing:

• A++ (Superior) AM Best rating - the highest possible[^2]
• Berkshire Hathaway's unmatched financial resources[^1]
• No concern about claims payment ability
• Long-term stability guaranteed

Whatever else you think about biBERK, their financial strength is beyond question.

Final Verdict

biBERK offers a no-frills, direct approach to trucking insurance backed by unquestionable financial strength. For established operators with clean records who prefer self-service, their model can provide competitive coverage without the agent relationship.

However, the lack of trucking specialization and the absence of agent advocacy make biBERK less suitable for complex operations, new authorities, or operators who value having an insurance professional in their corner.

Rating: 4.0/5 - A solid option for established, straightforward operations that value the direct model and Berkshire Hathaway's backing.