Source: biBERK — Industries We Insure
biBERK: Wholesale Distribution Insurance Appetite
biBERK lists retail and wholesalers as a served industry but does not have a dedicated wholesale distribution insurance page with specialized coverage like Acuity or CNA. Their offering is basic GL, WC, and BOP for small wholesale operations. For distributors needing product liability, inland marine, and stock throughput coverage, CNA, Travelers, or Acuity are significantly better options. biBERK works for very small distributors primarily needing workers' comp and basic liability.
Available Lines
| Line of Business |
|---|
| General Liability |
| Workers' Compensation |
| Business Owners Policy (BOP) |
| Commercial Auto |
| Umbrella/Excess |
Premium Range
$2,000-$12,000
Typical annual premium
Target States
All 50 states (varies by line)
Key Features
- Retail and wholesalers listed as a served industry category
- Workers' comp and GL for warehouse and distribution employees
- BOP coverage for small wholesale operations with property and liability bundled
- Up to 20% savings through digital-first model
Limitations
- Direct-to-business only — not available through independent agents
- No dedicated product liability or recall coverage highlighted for distributors
- No inland marine or stock throughput coverage highlighted for goods in transit
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