biBERK vs Redoubt Insurance vs Next Insurance (2026)

biBERK vs Redoubt Insurance vs Next Insurance at a glance

What is biBERK

biBERK is a small business insurance provider operating under the Berkshire Hathaway Insurance Group, selling directly online across all 50 US states and Washington, D.C. It offers general liability, commercial auto, workers' compensation, professional liability, a Business Owner's Policy, cyber insurance, and umbrella coverage, all quotable through an online instant-quote flow. Its underwriting sits behind the Berkshire Hathaway Insurance Group's major subsidiaries, which carry an AM Best rating of A++ (Superior), and the company holds BBB A+ accreditation. biBERK targets small business owners who want to buy and manage a policy online without giving up phone or email access to a human agent when something needs explaining.

What is Redoubt Insurance

Redoubt Insurance is a commercial insurance agency based in Utah, part of Y Combinator's Fall 2026 batch and founded in 2026. It holds a Utah insurance agency license (#1116212) and National Producer Number 22193947, and sells general liability, commercial auto, cargo and equipment, and workers' compensation coverage to small businesses, with electricians named as one specific trade it serves. Rather than an online quote engine, Redoubt Insurance issues quotes through direct contact with an agent by phone or text. It's aimed at small business owners, particularly in the trades, who prefer talking to a person over filling out a web form.

What is Next Insurance

Next Insurance is a digital commercial insurance provider selling general liability, commercial auto, workers' compensation, professional liability, a Business Owner's Policy, cyber insurance, and umbrella coverage across all 50 US states. In January 2026, the company rebranded to ERGO NEXT Insurance following ERGO Group AG's acquisition, which closed in July 2025; its site and review profiles now carry the ERGO NEXT name, though this article refers to it as Next Insurance to match how readers search for it. Its underwriting carries an AM Best A+ rating tied to ERGO Group ownership. Next Insurance targets small business owners who want to quote, buy, and manage a policy entirely online, including generating their own certificates of insurance.

Pros and cons

biBERK

AM Best A++ backing via Berkshire Hathaway. biBERK's underwriting runs through the Berkshire Hathaway Insurance Group's major subsidiaries, which carry an AM Best rating of A++ (Superior), the top financial-strength tier AM Best assigns. For a buyer weighing whether an insurer can pay a large claim, that's a concrete signal the other two companies in this comparison don't have documented.

Broad self-service coverage lineup. biBERK sells general liability, commercial auto, workers' comp, professional liability, a Business Owner's Policy, cyber insurance, and umbrella coverage, all through an online instant-quote tool with self-service certificate-of-insurance generation. That's the same breadth as Next Insurance and wider than Redoubt Insurance's four confirmed lines.

Highest verified review score of the three. biBERK holds a 4.5 out of 5 rating on Trustpilot across 2,610 reviews, plus BBB A+ accreditation. That's a larger and higher-rated review base than Next Insurance's 4.2 out of 5 across 1,416 reviews, and Redoubt Insurance has no comparable data yet.

No confirmed mobile app. Unlike Next Insurance, biBERK doesn't have a verified company-built mobile app for iOS or Android. Third-party bill-pay integrations exist, but they aren't a biBERK-built app, which matters if you want to manage a policy from your phone without a browser.

Workers' comp pricing isn't a flat number. biBERK prices workers' comp per $100 of payroll, with state averages it cites ranging from $0.75 per $100 in Texas to $2.74 per $100 in Alaska. You won't get a simple monthly figure the way you can for its other lines until you run payroll numbers through a quote.

Support quality is inconsistent per reviewer feedback. One 1-star Trustpilot reviewer described unanswered emails and a phone system routed through an AI assistant named "Calvin." That sits against two 5-star reviews praising individual agents by name, suggesting service experience varies by who picks up the case.

Redoubt Insurance

Human-agent-only quoting, no online funnel. Every quote at Redoubt Insurance comes from a direct phone or text conversation with an agent rather than a self-service web form. For a buyer who wants someone to walk through the details of, say, electrician-specific exposures before binding, that's a workflow neither biBERK nor Next Insurance offers by default.

Licensed agency with core commercial lines. Redoubt Insurance holds a Utah insurance agency license (#1116212) and National Producer Number 22193947, and confirms general liability, commercial auto, cargo and equipment, and workers' comp on its site. That covers the coverage types most small trade businesses need first.

Backed by Y Combinator as a 2026 batch company. Redoubt Insurance is part of Y Combinator's Fall 2026 cohort, built specifically around small business commercial insurance. For a buyer comfortable being an early customer, that positions it as a company built recently around this specific problem rather than a legacy line of business bolted onto a larger insurer.

No published pricing anywhere online. There's no pricing page, calculator, or rate table on Redoubt Insurance's site for any of its four coverage lines. The only way to get a number is to contact an agent directly, which adds a step compared to instant online quotes at the other two companies.

No online quoting, COI self-service, or mobile app. The feature set that lets Next Insurance and biBERK customers self-serve a certificate of insurance or get an instant quote isn't present at Redoubt Insurance. Everything routes through a human agent, which can slow down a same-day certificate request.

No third-party review data exists yet. Trustpilot, G2, Capterra, and BBB show no listings with review data for Redoubt Insurance, consistent with it being a company founded in 2026. There's currently no outside way to verify service quality beyond the company's own site.

Next Insurance

Lowest published starting prices among the three. Next Insurance lists general liability and professional liability from $19/month, workers' comp from $14/month, and commercial property from $18/month. Those are the only per-month figures in this comparison that start below $20, though most customers pay more than the headline minimum.

Full digital self-service, including a COI Analyzer. Next Insurance offers instant online quotes, a mobile app, and self-service certificate-of-insurance generation, including a COI Analyzer feature that generates instant custom-made certificates. That's the most complete digital workflow of the three companies compared here.

A+ AM Best rating with a clean complaint record. Next Insurance's underwriting carries an AM Best A+ rating tied to ERGO Group ownership, and its NAIC complaint count sits around 10 over three years, below the 20-complaint threshold AM Best considers necessary for a reliable complaint index.

Recently rebranded, which can confuse returning customers. Next Insurance became ERGO NEXT Insurance in January 2026 after ERGO Group AG's acquisition closed in July 2025. A customer searching for "Next Insurance" by the old name may land on unfamiliar branding, even though the underlying policies and site are the same.

Lower review score than biBERK. Next Insurance holds a 4.2 out of 5 rating on Trustpilot across 1,416 reviews, versus biBERK's 4.5 out of 5 across 2,610 reviews. It's still a solidly positive score, just not the highest of the two with verifiable data.

At least one severe service complaint on record. A 1-star Trustpilot reviewer described three years of the company losing documents, calling it "the absolute worst company" they'd used. That's a sharper complaint than anything found for biBERK's critical review, even though both companies show mostly positive feedback overall.

Use-case comparison

Solo contractors and new small businesses wanting the cheapest online start. Next Insurance's published starting prices, $19/month for general liability or professional liability and $14/month for workers' comp, make it the cheapest entry point of the three on paper, and its instant quote flow gets a certificate in hand fast. If your priority is getting insured today without a phone call, start there.

Established small businesses wanting financial strength and full self-service. biBERK pairs an AM Best A++ rating through Berkshire Hathaway with the same coverage breadth as Next Insurance, plus the highest review score of the group. If you want a well-reviewed insurer with strong claims-paying backing and don't need a mobile app specifically, biBERK fits.

Utah-based trades wanting a direct relationship with an agent. Redoubt Insurance's licensed-agent, phone-or-text quoting model suits a business owner, such as an electrician, who wants someone to talk through coverage details before committing. Just budget extra time for quoting since there's no instant online option, and go in aware that no outside reviews exist yet to vet the experience.

Pricing

biBERK pricing

• General Liability: Starting under $30/month; the site also states policies "start as low as $27.50 per month." Most customers pay under $1,000/year. Monthly billing is available.
• Business Owners Policy (BOP): Starting at about $500/year, with most customers paying less than $2,000/year. No monthly rate is published on biBERK's BOP page.
• Professional Liability / E&O: Starting around $300/year, rising into the thousands depending on industry, limits, and revenue.
• Workers' Compensation: Priced per $100 of payroll rather than a flat rate. biBERK cites state averages from $0.75 per $100 of payroll (Texas) to $2.74 per $100 (Alaska).

Pricing verified on August 28, 2026.

Redoubt Insurance pricing

Redoubt Insurance doesn't publish a pricing page for any of its coverage lines - general liability, commercial auto, cargo and equipment, or workers' comp. Quotes are issued per business through direct contact with an agent by phone or text, so no rate figures can be listed here without going through that process yourself.

Pricing verified on August 28, 2026.

Next Insurance pricing

• General Liability: As low as $19/month; 45% of customers pay $45/month or less.
• Professional Liability / E&O: As low as $19/month; 73% of customers pay $45/month or less.
• Workers' Compensation: As low as $14/month; 49% of customers pay $75/month or less.
• Commercial Property: As low as $18/month; 40% of customers pay $45/month or less.
• Business Owner's Policy (BOP): Averages $140/month across customers.

Pricing verified on August 28, 2026.

What users say

biBERK

"JoAnna couldn't have been better. She followed through with me every step of the way, until my new policy became active."

• Jonathan Bandeira, 5-star Trustpilot reviewer, via Trustpilot

"She helped me every step of the way in getting my commercial auto insurance policy completed. She was very patience and friendly."

• Jennifer, 5-star Trustpilot reviewer, via Trustpilot

"They do not answer emails and when you try to call in they have this really crap AI assistant that answers the phone named Calvin."

• Jay, 1-star Trustpilot reviewer, via Trustpilot

Redoubt Insurance

No third-party review-platform data could be found for Redoubt Insurance across Trustpilot, G2, Capterra, Google, or BBB. A Yelp listing exists under the company name in Salt Lake City, but it returned an access error on lookup with no extractable rating or review count. As a company founded in 2026, it simply hasn't accumulated a public review trail yet; that's a gap for anyone trying to vet service quality before calling.

Next Insurance

"Very easy to use and took me 20 minutes to select and purchase my company's Certificate of Insurance for my business."

• Wendy Murphy, customer testimonial, April 29, 2025, via Next Insurance

"The process of getting coverage was quick and straightforward, and everything was easy to understand, even for someone new to business insurance."

• Duane Mcclain, customer testimonial, March 20, 2026, via Next Insurance

"Absolute worst company I have ever had to use. Tried using them for 3 years while they continually lost documents..."

• Karissa Q, 1-star Trustpilot reviewer, via Trustpilot

Verdict per use case

Choose biBERK if you want the strongest documented financial backing in this comparison, an AM Best A++ rating through Berkshire Hathaway, alongside the highest verified review score (4.5/5 on Trustpilot across 2,610 reviews) and a full self-service coverage lineup spanning seven policy types. It's the safer default for an established small business that wants breadth and a paper trail of satisfied customers, even without a confirmed mobile app.

Choose Next Insurance if your priority is the lowest published starting price and a workflow you never have to leave your browser or phone for. Starting prices from $14 to $19/month across several lines, plus a mobile app and instant COI generation, suit a solo operator who needs coverage bound today. Just factor in the January 2026 rebrand to ERGO NEXT and a review score that, while solid at 4.2/5, sits below biBERK's.

Choose Redoubt Insurance if you're a Utah-based trade business, electricians are a named specialty, and you'd rather talk through your coverage with a licensed agent than fill out a form. Go in with clear eyes: there's no public pricing, no online quote tool, and no third-party review history yet, so you're evaluating a young company on the strength of the conversation itself.

For more head-to-head breakdowns like this one, browse our Commercial Insurance comparisons hub, and see our editorial policy for how we handle sourcing on this site.

Recap table

Frequently asked questions