biBERK vs Alternative Balance

Two business insurance tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	biBERKBerkshire Hathaway Insurance Group	Alternative BalanceAlternative Balance
In one line	Direct small business insurance from a Berkshire Hathaway company	Liability cover for wellness, beauty, and fitness pros at $269 a year
Starting price	From $27.50/mo	From $22.42/mo
Six-person team	$27.50/mo	$22.42/mo
Plans	General liability from $27.50/mo; sold directly with no broker fees; final price depends on trade and state	$269/yr paid in full ($2M per occurrence, $4M aggregate general and professional liability; equipment cover included); higher-risk services +$139 to +$454; no monthly option
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	None needed	Equipment and participant accident cover included
Team size	Just me · 2–10 people · 11–50 people	Just me
Available in	US	US
Phone support	Every plan	Every plan
Live chat	None listed	Every plan
Support hours	Not published	Phone: Monday-Friday 9AM-5PM (EST)
Incidents posted	We found no public status page for Berkshire Hathaway Insurance Group.	We found no public status page for Alternative Balance.
Trustpilot score	4.5 / 5 from 2,623 reviews	3.2 / 5 from 1 reviews (few reviews)
Fit: Retail shop	75	20
Fit: Restaurant or café	72	5
Fit: Service business	82	85
Fit: Agency or studio	78	10
Fit: Trades or contractor	85	25
Fit: Online store	70	10
Why people pick it	Backed by Berkshire Hathaway Buy and manage online	$2M/$4M limits for $269 a year Equipment cover included
Where it falls short	One carrier, no comparison Some trades need a call	Yearly lump sum, no monthly payments Only for wellness, beauty, and fitness practitioners
	Visit biBERK ↗	Visit Alternative Balance ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices