PreferredVerified Q1 2026
Source: biBERK — Professional Liability Insurance
biBERK: Professional Services Insurance Appetite
biBERK's professional liability is their most broadly available product (all 50 states). It covers a wide range of professions and the pricing is competitive. For small professional service firms buying their first E&O policy, biBERK is an attractive option. Agents competing against biBERK should emphasize the breadth of CNA's or Hiscox's E&O forms and claims handling expertise for complex professional liability situations.
Available Lines
| Line of Business |
|---|
| General Liability |
| Professional Liability |
| Workers' Compensation |
| Business Owners Policy (BOP) |
| Umbrella/Excess |
| Cyber Liability |
Premium Range
$1,000-$8,000
Typical annual premium
Target States
All 50 states (Professional Liability available in all 50 states)
Key Features
- Professional liability (E&O) available in all 50 states — broadest geographic coverage of any biBERK product
- Covers accountants, consultants, insurance agents, real estate agents, lawyers, and architects
- Up to 20% savings on professional liability compared to traditional carriers
- Online quoting and binding for immediate coverage
- Cyber insurance add-on for professionals handling sensitive client data
Limitations
- Direct-to-business only — no agent channel
- Professional liability forms may not be as broad as CNA's or Hiscox's specialty E&O
- Large professional firms with complex liability exposure may need higher limits and broader coverage
Compare Other Carriers for Professional Services
Progressive CommercialStandard
$1,200-$6,000
TravelersStandard
$2,000-$15,000
CNAPreferred
$3,000-$25,000
HiscoxPreferred
$600-$6,000
ERGO NEXT InsurancePreferred
$500-$5,000
The HartfordPreferred
$2,000-$15,000
EMPLOYERS HoldingsPreferred
$600-$4,000
AcuityStandard
$2,000-$10,000
Erie InsurancePreferred
$2,000-$12,000
AmTrust Financial ServicesPreferred
$1,500-$12,000
BTISPreferred
$1,500-$10,000
Pie InsurancePreferred
$500-$4,000