PreferredVerified Q1 2026
Source: biBERK — Construction & Contractor Insurance
biBERK: General Contractors Insurance Appetite
biBERK is a strong direct competitor for small contractor accounts. Their instant COI generation and up to 20% savings make them attractive to contractors who are price-sensitive and comfortable buying insurance online. Agents should be aware that biBERK markets directly to contractors — prepare to demonstrate your value-add when competing. For small specialty trade contractors, biBERK's pricing will be hard to beat.
Available Lines
| Line of Business |
|---|
| General Liability |
| Workers' Compensation |
| Business Owners Policy (BOP) |
| Commercial Auto |
| Umbrella/Excess |
| Cyber Liability |
Premium Range
$2,000-$15,000
Typical annual premium
Target States
All 50 states (varies by line)
Key Features
- Dedicated construction and contractor insurance page with tailored coverage
- Covers general contractors, electricians, plumbers, HVAC, and specialty trades
- Up to 20% savings — digital model eliminates agent commission costs
- Certificates of insurance (COI) available instantly online for job site requirements
- Easy online policy management and claims reporting
Limitations
- Direct-to-business model — not available through independent agents
- Large commercial contractors with complex wrap-up needs should use Travelers or Zurich
- No inland marine or installation floater coverage highlighted — may need separate placement
Compare Other Carriers for General Contractors
Progressive CommercialPreferred
$3,000-$18,000
TravelersPreferred
$8,000-$75,000
CNAPreferred
$8,000-$50,000
HiscoxPreferred
$270-$8,000
ERGO NEXT InsurancePreferred
$2,000-$10,000
The HartfordPreferred
$5,000-$50,000
EMPLOYERS HoldingsLimited
$3,000-$15,000
AcuityPreferred
$5,000-$40,000
Erie InsurancePreferred
$4,000-$30,000
AmTrust Financial ServicesStandard
$3,000-$20,000
BTISPreferred
$3,000-$25,000
Pie InsuranceStandard
$2,000-$15,000