Pie Insurance vs biBERK: Workers Comp Specialists Compared (2026)

Choosing between Pie Insurance and biBERK for your small business insurance? This comprehensive comparison breaks down pricing, coverage options, customer reviews, and which carrier is the better fit for different types of businesses.

Quick Comparison: Pie Insurance vs biBERK

Feature	Pie Insurance	biBERK
Price Range	$20–$70/mo	$20–$80/mo
AM Best Rating	A- (Excellent)	A++ (Superior)
Best For	Affordable workers comp	Budget-conscious businesses
Key Coverages	Workers Comp, General Liability	GL, Workers Comp, BOP, Commercial Auto, Umbrella
Online Quotes	Yes — instant online quotes	Yes — direct to consumer

Pie Insurance Overview

Pie Insurance is a technology-driven workers compensation specialist that uses data and automation to deliver fast, affordable coverage. Founded in 2017, Pie has built a reputation for transparent pricing and a simple online experience.

Key Strengths

Up to 30% savings on workers comp vs traditional carriers
Instant online quotes with no paperwork
Pay-as-you-go billing based on actual payroll

Coverage Options

Pie Insurance offers workers compensation insurance as its primary product, with general liability also available. Pie's workers comp policies include coverage for medical expenses, lost wages, and employer liability. Their pay-as-you-go model adjusts premiums based on actual payroll.

biBERK Overview

biBERK is a direct-to-consumer insurance carrier backed by Berkshire Hathaway, one of the most financially stable companies in the world. By selling direct (no agents or brokers), biBERK passes the savings on to policyholders.

Key Strengths

Berkshire Hathaway A++ financial backing
Direct-to-consumer model means lower costs — no broker fees
Wide range of coverages including GL, WC, BOP, and commercial auto

Coverage Options

biBERK offers general liability, workers compensation, BOP, commercial auto, umbrella, and professional liability coverage. As a direct carrier, biBERK handles everything from quotes to claims in-house.

Pricing Comparison

When comparing Pie Insurance and biBERK on price, there are important differences to consider:

Coverage Type	Pie Insurance	biBERK
General Liability	$25–$50/mo	$20–$50/mo
BOP	Not offered	$30–$70/mo
Workers Comp	$20–$60/mo	$25–$60/mo

Pie Insurance is known for competitive workers comp rates, often 20-30% below traditional carriers. Their pay-as-you-go model means you only pay for coverage when you have payroll.

biBERK's direct-to-consumer model eliminates broker commissions, typically resulting in 20% lower premiums than agent-based carriers.

Coverage Comparison

General Liability

Both carriers offer standard general liability coverage, but there are differences in limits, endorsements, and pricing. Pie offers basic GL coverage suitable for many small businesses, though their primary focus remains workers comp. biBERK offers competitive GL rates with standard coverage limits, suitable for most small businesses.

Professional Liability (E&O)

Pie does not currently offer professional liability/E&O coverage — you'll need a separate carrier for this. biBERK offers professional liability coverage for select industries, though options are more limited than specialty carriers.

Workers Compensation

Pie specializes in workers comp with fast online quotes, pay-as-you-go billing, and competitive rates for low-to-moderate hazard businesses. biBERK provides workers comp in most states with competitive rates, backed by Berkshire Hathaway's claims-paying ability.

Customer Reviews & Ratings

Metric	Pie Insurance	biBERK
Customer Satisfaction	4.4/5 (Good)	4.3/5 (Good)
Claims Process	Online claims filing	Direct claims handling
Ease of Purchase	Excellent — fully online	Fast online quotes

Which Is Better for Your Business?

Choose Pie Insurance if:

Workers comp is your primary insurance need
You want pay-as-you-go billing flexibility
You're a small business in a low-hazard industry

Choose biBERK if:

You want the lowest possible premiums
Financial stability (A++ rating) is important to you
You're comfortable with a fully online, no-agent experience

The Bottom Line

Pie Insurance is an excellent choice for businesses that prioritize affordable workers comp with a modern, digital-first experience. biBERK delivers excellent value by cutting out the middleman, backed by the financial strength of Berkshire Hathaway. The best choice depends on your specific business needs, budget, and the types of coverage you require.

Ready to compare quotes? Use Insura to get side-by-side quotes from Pie Insurance, biBERK, and other top carriers in minutes. Our licensed agents can help you find the right coverage at the best price.

Frequently Asked Questions

Is Pie Insurance or biBERK cheaper for small business insurance?

Pie Insurance typically offers workers comp rates 20-30% below traditional carriers, making them one of the most affordable options for small businesses.

Which carrier has better customer reviews?

Pie receives strong marks for its easy online experience and transparent pricing, though its coverage options are more limited than full-service carriers.

Can I get quotes from both carriers through Insura?

Yes! Insura works with both Pie Insurance and biBERK, along with dozens of other A-rated carriers. Get multiple quotes in minutes and compare coverage side by side.