PreferredVerified Q1 2026
Source: biBERK — Restaurant Insurance
biBERK: Restaurants Insurance Appetite
biBERK is an excellent option for small, independent restaurants that want a complete insurance package at competitive rates. Their digital-first model offers convenience and cost savings. As part of the Berkshire Hathaway Insurance Group, financial strength is not a concern. For agents, note that biBERK is a direct carrier — they do not work through independent agents. This is a competitor, not a market to place business with.
Available Lines
| Line of Business |
|---|
| General Liability |
| Workers' Compensation |
| Business Owners Policy (BOP) |
| Commercial Auto |
| Umbrella/Excess |
| Cyber Liability |
Premium Range
$1,500-$10,000
Typical annual premium
Target States
All 50 states (varies by line)
Key Features
- Dedicated restaurant insurance page with tailored coverage options
- Up to 20% savings compared to other providers — direct-to-business digital model eliminates middleman costs
- Online quoting, purchasing, and policy management for restaurants
- Full package: workers' comp, GL, BOP, commercial auto, umbrella, and cyber
- Food service insurance covering food trucks and catering operations as well
Limitations
- Digital-first model means no local agent support — all service is online or by phone
- Large restaurant groups with complex risks may need more hands-on carrier relationship
- Coverage availability varies by state and line of business
Compare Other Carriers for Restaurants
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