ERGO NEXT Insurance vs biBERK

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

Compare	ERGO NEXT InsuranceERGO NEXT Insurance	biBERKBerkshire Hathaway Insurance Group
In one line	Liability and workers' comp quoted online in minutes	Direct small business insurance from a Berkshire Hathaway company
Starting price	From $19/mo	From $27.50/mo
Six-person team	$19/mo	$27.50/mo
Plans	General liability from $19/mo for low-risk businesses; final price set by underwriting	General liability from $27.50/mo; sold directly with no broker fees; final price depends on trade and state
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Certificates shareable by link	None needed
Team size	Just me · 2–10 people · 11–50 people	Just me · 2–10 people · 11–50 people
Available in	US	US
Phone support	None listed	Every plan
Live chat	Plans not stated	None listed
Support hours	Live chat: Live agents Mon–Fri 8 a.m.–5 p.m. CT; AI assistant 24/7	Not published
Incidents posted	We found no public status page for ERGO NEXT Insurance.	We found no public status page for Berkshire Hathaway Insurance Group.
Trustpilot score	3.9 / 5 from 1,437 reviews	4.5 / 5 from 2,623 reviews
Fit: Retail shop	70	75
Fit: Restaurant or café	60	72
Fit: Service business	85	82
Fit: Agency or studio	70	78
Fit: Trades or contractor	95	85
Fit: Online store	55	70
Why people pick it	Instant COIs Online claims	Backed by Berkshire Hathaway Buy and manage online
Where it falls short	Not every state and trade Higher risk classes get referred out	One carrier, no comparison Some trades need a call
	Visit ERGO NEXT Insurance ↗	Visit biBERK ↗

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