biBERK vs FLIP

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

Compare	biBERKBerkshire Hathaway Insurance Group	FLIPVeracity Insurance
In one line	Direct small business insurance from a Berkshire Hathaway company	Liability insurance for food trucks, vendors, and caterers
Starting price	From $27.50/mo	From $25.92/mo
Six-person team	$27.50/mo	$25.92/mo
Plans	General liability from $27.50/mo; sold directly with no broker fees; final price depends on trade and state	$25.92/mo or $299/yr ($1M per occurrence, $2M aggregate, no deductible); with liquor liability $37.75/mo; tools and equipment cover optional
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	None needed	Free unlimited additional insureds, certificates online
Team size	Just me · 2–10 people · 11–50 people	Just me · 2–10 people
Available in	US	US
Phone support	Every plan	Every plan
Live chat	None listed	None listed
Support hours	Not published	Phone: Monday – Friday 6am – 6pm Mountain Time
Incidents posted	We found no public status page for Berkshire Hathaway Insurance Group.	We found no public status page for Veracity Insurance.
Trustpilot score	4.5 / 5 from 2,623 reviews	3.6 / 5 from 1 reviews (few reviews)
Fit: Retail shop	75	30
Fit: Restaurant or café	72	85
Fit: Service business	82	20
Fit: Agency or studio	78	5
Fit: Trades or contractor	85	10
Fit: Online store	70	25
Why people pick it	Backed by Berkshire Hathaway Buy and manage online	Additional insureds free and unlimited No deductible on liability
Where it falls short	One carrier, no comparison Some trades need a call	Tools and equipment cover costs extra Built for food and drink businesses only
	Visit biBERK ↗	Visit FLIP ↗

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