LinesWC, GL, BOP, Professional liability, Umbrella, Commercial auto
Agent portalYes
Quote APINo
StatesSee appetite
Appetite
| Class | Line | States | Notes |
|---|---|---|---|
| Contractors | GL | Most states | Yes for GL, BOP and umbrella: carpentry, drywall, flooring, gutters, siding, concrete and masonry (2+ years in business if building new structures), HVAC, plumbing, electrical, fencing, glaziers and painting. Demolition, welding and land grading are out. WC is 'maybe' for every class and not available for many trades in FL, NY, NJ, MA and WI; roofing WC only in AZ, ND, NV, OH, WA and WY (biBERK Appetite Guide, Aug 15, 2024). |
| Contractors | BOP | AZ, CA, CO, CT, FL, IA, IL, IN, KS, MA, MD, MI, MN, MO, MS, NC, NE, NH, NJ, NV, NY, OH, PA, SC, TN, TX, VA, WA | BOP is available in 28 states and is a 'Yes' for most artisan trades the guide lists (carpentry, drywall, flooring, HVAC, plumbing, electrical, painting, masonry). Excavation and street paving are eligible for BOP but not umbrella (biBERK Appetite Guide, Aug 15, 2024). |
| Professional services | Professional liability | Most states | E&O is a 'Yes' for computer and management consultants, engineers and architects not engaged in construction, lawyers (available since April 15, 2024), real estate agents and insurance agents (PL not eligible in CA, except P&C agents). Professional trade associations are also eligible (biBERK Appetite Guide, Aug 15, 2024). |
| Healthcare | Professional liability | Most states | The allied healthcare section says yes to acupuncturists, audiologists and speech therapists, chiropractors, licensed clinical social workers and physical therapists. Dentists are eligible for PL but not in AR, CA, IN, KS, LA, MA, NE, NJ, NM, NY, PA, WA or WI. Urgent care centers and hospitals are out (biBERK Appetite Guide, Aug 15, 2024). |
| Restaurants | Umbrella | Most states | Family-style restaurants (alcohol up to 50% of sales), fine dining (alcohol up to 75%) and take-out only fast food are a 'Yes' for GL, BOP and umbrella; WC is 'maybe' and not available in NY (biBERK Appetite Guide, Aug 15, 2024). |
| Retail | BOP | Most states | Clothing stores, florists, delis, garden supply, HVAC and plumbing equipment retail, camera stores and general retail are a 'Yes' for GL, BOP and umbrella. Convenience stores are 'maybe' and not eligible for WC, GL or BOP in NY (biBERK Appetite Guide, Aug 15, 2024). |
| Hospitality | GL | Most states | Hotels with no restaurant or with a full-service restaurant are a 'Yes' for GL, BOP and umbrella; casinos are out (biBERK Appetite Guide, Aug 15, 2024). |
How to quote biBERK
→Carrier portal. Quote directly in the biBERK agent portal.
→Bold Penguin. Agencies short on appointments needing market access.
Getting appointed
biBERK says it does not appoint individual retail agents. Wholesalers apply through the partner form on its Become a biBERK Partner page (name, company, annual new small business premium, email and phone); partners then quote, bind and issue in the biBERK Service Portal.