biBERK vs Counterpart: Professional Liability / E&O Insurance

Counterpart distributes through wholesale brokers, with separate programs for miscellaneous professionals, architects and engineers, allied healthcare and lawyers. biBerk describes an online quote and purchase in all 50 states.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-10-01

What Are the Key Differences Between biBerk and Counterpart Professional Liability (E&O) Insurance?

Profession-specific placement

Counterpart’s profession pages, last reviewed September 28, 2026 for allied healthcare and architecture/engineering, list distinct programs for miscellaneous professionals, architects/engineers/contractors, allied healthcare, and lawyers. This source set describes program categories, not current eligibility or terms. biBerk names consultants, accountants, real-estate agents, and insurance agents as professions that may need E&O. If your work is regulated or technical, ask which Counterpart form applies and compare the professional-services definition with biBerk’s quote. [1] [7] [4] [3] [6]

Limits and retention

Counterpart says its professional pages support modular limits and gives sample limits and retentions for selected professions. biBerk’s published offering does not state a standard limit. Use the same limit and retention when comparing quotes and verify that each applies to your exact professional services. [1] [7]

What Should You Confirm in biBerk and Counterpart Professional Liability (E&O) Insurance Quotes?

  • Ask Counterpart which profession-specific form applies and whether its sample limits are available to you. [7] [4] [3] [6]
  • Ask biBerk for proposed limits, retention, and retroactive date. [1]

Counterpart separates professional liability by profession, while biBerk’s overview names consultants, accountants, real-estate agents, and insurance agents as potential buyers.

Sources reviewed

  1. 01
    Professional Liability Insurance | Talk To biBerk

    biBerk · What Professional Liability covers · accessed 2026-09-28

  2. 02
    How can I get insurance through Counterpart?

    Counterpart Knowledge Center · Retained source: article describes wholesale-broker referral route; prior access 2026-09-28. · accessed 2026-09-28

  3. 03
    Allied Medical & Healthcare Liability

    Counterpart, Inc. · Retained provider source: names allied healthcare classes, combined coverage/enhancements and illustrative limits/examples; does not establish conventional malpractice for every medical profession or standalone general liability. Prior access 2026-09-28; direct reopen failed in this session. · accessed 2026-09-28

  4. 04
    Architects, Engineers, & Contractors Liability

    Counterpart, Inc. · Retained provider source: A&E/contractor class examples, services, enhancements and illustrative limits; prior access 2026-09-28. · accessed 2026-09-28

  5. 05
    Counterpart | Agentic Insurance™

    Counterpart, Inc. · Retained provider source: footer states insurance products are offered by Counterpart Insurance Services, Inc., described as a licensed producer and surplus-lines broker; product/state availability varies, issuer not mapped by product/state. Prior access 2026-09-29. · accessed 2026-09-29

  6. 06
    Lawyers Professional Liability Insurance

    Counterpart, Inc. · Reopened 2026-09-30: page lines 4–8 names lawyer-focused product; lines 236–272 company-stated geographic reach, modular liability limit examples, professional services, technology/media extensions and GL alongside professional cover. Product terms remain policy-specific. · accessed 2026-09-30

  7. 07
    Professional & General Liability

    Counterpart, Inc. · Reopened 2026-09-30: page lines 4–8 says MPL may be purchased alone or packaged with GL; lines 208–245 describe industries and coverage examples; lines 251–283 describe risk assessment, quoting channels and underwriter access. Marketing page, not binding terms. · accessed 2026-09-30

  8. 08
    Professional Liability – US Direct Errors and Omissions Insurance

    Hiscox Inc. specimen · About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act · accessed 2026-09-16

  9. 09
    Professional liability insurance

    Insurance Information Institute · Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion) · accessed 2026-09-16

  10. 10
    FAQ: Professional liability insurance

    Texas Department of Insurance · What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies · accessed 2026-09-16

  11. 11
    Get business insurance

    U.S. Small Business Administration · Six common types of business insurance table · accessed 2026-09-16

Areas of coverage

biBerk

  • coverage: biBerk says professional liability can respond when a client alleges an error, omission or negligent professional act caused financial harm. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business professional E&O. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage.company-reportedSource ↗
  • coverage: biBerk says litigation defense may be covered even if the accusation proves groundless, depending on policy terms. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: professional E&O defense. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage.company-reportedSource ↗
  • eligibility: biBerk identifies consultants, accountants, real-estate agents and insurance agents as professions that may need E&O. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business professional services. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage.company-reportedSource ↗
  • eligibility: biBerk says it provides Professional Liability in all 50 states. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: professional E&O. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage.company-reportedSource ↗
  • application: The page describes online quote/purchase and online claim submission with phone support. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: professional E&O. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage.company-reportedSource ↗

Counterpart

  • role: Counterpart describes its product distribution through Counterpart Insurance Services, Inc. and wholesale brokers. The cited marketing pages do not identify the insurer for a particular professional-liability risk or state.company-reportedSource ↗Source ↗
  • eligibility: Counterpart lists distinct professional-liability programs for miscellaneous professionals, architects/engineers/contractors, allied healthcare and lawyers. Each page has its own occupation scope; no single eligibility rule applies across all four products.company-reportedSource ↗Source ↗Source ↗Source ↗
  • coverage: The Lawyers Professional Liability page describes claims arising from lawyers’ professional services; the MPL page gives service-related negligence and financial-loss examples. These are distinct program summaries and do not establish identical policy triggers or coverages.company-reportedSource ↗Source ↗
  • limits: Counterpart says its professional pages support modular limits and presents sample limits and retentions for selected professions. Published examples are illustrative, not terms available to a particular applicant.company-reportedSource ↗Source ↗

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