ComplaintsforbiBerk, by Berkshire Hathaway

• Initial Complaint

  08/30/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  On July 10, 2024, I purchased two Business Insurance policies [Professional Liability and General Liabilty] with biBerk Insurance and at the advisement of the associates I spoke with I purchased the $271 General Liability Policy under the assumption that it covered all of my business electronics. I found out 18 days later in reviewing the General Liability Policy again that my business electronics were in fact NOT COVERED, so I immediately spoke with a supervisor Andrew, who advised a Business Owners' Policy instead. After purchasing the newly recommended Business Owners' Policy with Andrew the Supervisor, he advised cancellation of the General Liability Policy and asking for a flat rate full refund of $271 [vs. a pro rata refund determined by the Underwriting & Cancellation Depts.], because I had purchased the General Liability Policy under the misinformed advisement of previous associates and had the policy for only 18 days. After requesting and contacting the necessary department several times, my General Liability Policy was cancelled but at a pro rata amount of $144 not the $271 I originally paid and requested refunded. I feel my appeal for a full refund was unfairly denied. I was misinformed, misled, ignored and duped out of a full refund through gross miseducation of biBerk associates with questionable refund calculations and deceitful practices and communication tactics. As a small business owner the difference between a $271 full and a $144 pro rata refund is not money i can afford to lose. I am requesting the additional $127 be refunded back to me for my cancelled General Liability Policy. Thank you.

  

  Business response

  09/13/2024

  We are in receipt of the consumer’s complaint. Thank you for bringing this inquiry to our attention. Due to the confidential relationship between biBERK Insurance Services, Inc., and its policyholders, we cannot disclose specific details in a public response. Although we cannot disclose specific details in a public response, a member of our Customer Service team communicated with the consumer directly email on September 12, 2024. Please be advised we have reached a satisfactory resolution of this matter with the consumer. 

  Customer response

  09/16/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******* *******

• Initial Complaint

  08/27/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  They refuse to give me back my money. Every time I inquire about a refund the company replies with an email questionnaire. Biberk wrote an insurance policy in NY and it was doomed to fail because their underwriters prohibit them from doing so. I started the process on the 8/18 and it is now 10 days later. The only solution is that someone may call me back within 24hrs. This company is a joke.

  

  Business response

  09/06/2024

  We are in receipt of the consumer’s complaint. Thank you for bringing this inquiry to our attention. Due to the confidential relationship between biBERK Insurance Services, Inc. and its policyholders, we cannot disclose specific details in a public response. Although we cannot disclose specific details in a public response, a member of our Customer Service team communicated with the consumer directly by email on September 4, 2024. Please be advised we have reached a satisfactory resolution of this matter with the consumer.  

• Initial Complaint

  08/16/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I work as an independent consult, and operate as an LLC. I purchased an errors and omissions insurance policy from BiBerk on about 7/14/2022 with a single annual fee charged to my credit card. The policy automatically renewed on about 7/14/2023, again with a single annual fee, and renewed again 7/14/2024. On about that date, my credit card was charged the amount indicated in the communications I had received leading up to that renewal, $611. The next day I received notification that my next payment would be due in one month, and there was an attached policy declaration that now showed the policy premium at $703. The following day I received email notification that my credit card would be charged an additional $92 on 8/14/2024. I contacted BiBerk and spoke with two employees. Both affirmed that the policy price had gone up, and that the policy premium had apparently not been increased until after the renewal period had begun. Both affirmed that this seemed unusual or irregular. Neither offered to amend the billing, but one of them offered an actuarial review to affirm the revised policy price was correct. In discussions with the BiBerk employees, I stated my view that the policy price increase after taking payment on what was previously stated as a lower price that paid the policy in full for that year was, at minimum, a deceptive billing practice, but might in fact represent a breach of contract. I stated that I was not complaining about the price increase itself, but about the deceptive or unethical billing practice. I said I believed they should not bill the additional $92, regardless of whether it reflected the correct or fair policy price, simply because they had already offered the policy and taken payment at a lower price. I further stated that I would file a complaint with the BBB if they billed the additional $92. On 8/14/2024 my credit card was charged the additional $92.

  

  Business response

  08/28/2024

  We are in receipt of the consumer’s complaint. Thank you for bringing this inquiry to our attention. Due to the confidential relationship between biBERK Insurance Services, Inc. and its policyholders, we cannot disclose specific details in a public response. Although we cannot disclose specific details in a public response, a member of our Customer Service team communicated with the consumer directly via email on August 20, 2024. Please be advised we have reached a satisfactory resolution of this matter with the consumer.  

• Initial Complaint

  08/15/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I’ve started with this Insurance Company (Biberk an Insurance Company by Berkshire Hathaway Company), back in September 28th 2023. This was my first insurance company ever since I’ve started my Trucking Company and I’m being told to provide loss runs from term 1 from my previous Insurance Company I’ve spoken with *** ***** Team Lead, Customer Service CA Lic. # ******* biBERK, a Berkshire Hathaway Company CA Lic. # *******. If you guys are my Forst ever Insurance Company how can I provide you with a loss run sheets/forms if I I don’t have any how I’m I being told that my insurance will be canceled and can’t be renewed. My company started back in Dec 2020 the LLC was put in place and by the time all Equipment (Truck and Trailer), was purchased which takes time and money and also build time for (Trailers). I also had to have inspections done to be in Compliance with the FMCSA rules and regulations. I didn’t make my first run until September 28th 2024. I also had to pay again to have my DOT# and MC# reassigned because I took too long to get the Company off the ground. I’ve provide all information and documentation showing when I first had my Authority to run loads. Please help how am I being told to provide loss runs for 2020/2021 when I never had any runs until September 2023. If these guys do their research correctly they would know these things please help. I would like to speak with the higher ups. I’ve paid $23,832 for service and now being told I’m being cancelled. ****** ******* *** *** **** (OWNER) DRIVERS 4 LESS LLC Policy# *************. I’ve also provided documentation showing when I became active to run and when my DOT# and MC# was filed.

  

  Business response

  08/28/2024

  We are in receipt of the consumer’s complaint. Thank you for bringing this inquiry to our attention. Due to the confidential relationship between biBERK Insurance Services, Inc. and its policyholders, we cannot disclose specific details in a public response. Although we cannot disclose specific details in a public response, a member of our Customer Service team communicated with the consumer directly by email on August 22, 2024. Please be advised, the Company properly investigated and addressed the issues in the complaint. Good faith efforts were made to resolve these concerns consistent with the Policy terms and conditions and applicable law. Our decision may not be the resolution the consumer requested; however, our decision stands and we consider this matter closed.

  Customer response

  08/29/2024

  
  Complaint: ********
  
  I am rejecting this response because:
  
  Sincerely,
  
  ****** *******

  I will be filing an Appeal on this matter also. 

• Initial Complaint

  08/12/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My luxury transportation business was commercially insured with Biberk from July 13 2023 to July 13 2024 and I was involved in an accident on April 02, 2024. Since I was at fault, Biberk took care of the other party, and when it came to my part they took 3 weeks for the appraiser to inspect the vehicle, 3 weeks to send the check to the Body shop who took 2 days to figure out they needed supplemental parts. It took them 2 weeks to send the appraiser again to check on the supplemental parts, and on July 23 they approved it, but never sent the check for those supplemental parts until today. The Body shop used their approval to buy the parts, but Biberk never sent the check until today. The body shop called me today to inform me that the vehicle is ready, but will not be released to me until they get an evidence that the check is in the mail. Can you imagine, the body shop does not even trust Biberk, and this is a Chevrolet referral Body shop. My car was at the Body Shop since July 15 and Biberk is holding the checks. When you need to speak with someone at any time, they have a rep from a call center take your message and arrange an appointment to speak with an adjuster which alone takes about a week. I am loosing hundreds of dollars daily because of the car sitting there. That insurance company is a big scam and uses the Reps to make an appointment to delay payments. After that accident, they sent me a notice of non-Renewal, but that did not really bother me. Please help me get my car back as it is sitting at the body shop waiting for their check for God’s sake.

  

  Business response

  08/21/2024

  We are in receipt of the consumer’s complaint. Thank you for bringing this inquiry to our attention. Due to the confidential relationship between biBERK Insurance Services, Inc. and its policyholders, we cannot disclose specific details in a public response. Although we cannot disclose specific details in a public response, a member of our Claims team communicated with the consumer directly by phone on August 20, 2024. Please be advised we have reached a satisfactory resolution of this matter with the consumer.  

• Initial Complaint

  08/12/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I started my new trucking business and received a lot of quotes, I decided to go with Biberk although I received some lower offers. I started my quote online and called them over the phone to continue the quote. They did a new quote, which is fine, I applied for my DOT on 6/26/24 and activated the insurance on 7/26/24, before I got of the phone with the agent, I asked her will she be filing with FMCSA and whatever else you guys do, she stated yes, and everything will be taken care of. I checked the FMCSA website everyday as I was told it will be within 3 days. On the 3rd day I called and was told that, I did not request DOT at the bind. Can you imagine my surprise. I had to agree to premium increase for them to submitted. I felt stuck and had no choice, as I already paid almost $2200.00, yes $2200 per month for 1 box truck. She stated that she will expedite it to have it submitted 8/2/24. On Monday, 8/5/24 we get a call stated that FMCSA rejected it because of the business name was incorrect and the address. Once again how does something like that happens, when every time I have called in, I stated the business name. The address was a typo on their part, instead of ST for street they inserted TST or something like that. I called over and over again, I asked for a team lead to call me back and nothing and today's date is 8/12/24. I honestly don't know what to do. There is not a corporate number, no supervisor or team lead to come to the phone. Every time I call, I am told I will get a call back. I even sent an email on 8/6/24 and got a response today 8/12/24 stating that my FMCSA filing was denied as it was not requested at the bind. The other reason was that DOT was activated on 6/26/24 and authority was applied prior to bind, what does that even mean if insurance was secured on 7/26/24. It has been a nightmare, as I am not able to work at all. I have been on hold for over 30mins and was at the wrong department, no calls back, nothing. There is too much to mention.

  Customer response

  08/12/2024

  Last name is *****

  **** *****

  

  Business response

  08/21/2024

  We are in receipt of the consumer’s complaint. Thank you for bringing this inquiry to our attention. Due to the confidential relationship between biBERK Insurance Services, Inc. and its policyholders, we cannot disclose specific details in a public response. Although we cannot disclose specific details in a public response, a member of our Customer Service team communicated with the consumer directly via phone on August 13, 2024. Please be advised we have reached a satisfactory resolution of this matter with the consumer.  

• Initial Complaint

  08/09/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  June 29th 2024 The owner of ***** ****** ****** **** has submitted a claim on my behalf. It is now August 9th and no resolution has been set in place for property damage to my vehicle after service. The 1st Adjuster disappeared out of thin air for medical reason person her Lead Lisa Stull. I spoke with Lisa regarding this ongoing issue this past Tuesday the 6th. She said she her office dropped the ball and a check would be sent out overnight. Mind you I have been calling Biberk Insurence since June of 2024. **** ***** has now disappeared and numerous telephone calls and email follow ups. I then find out you have to set appointments to speak with the adjuster for the claim. I have set up multiple appointments and the insurence company has missed them all coincidentally. I have called back today and set up appointments everyday for next week until this is resolved. Why can’t you speak with a supervisor. Why does it take months and weeks to speak with a representative who says they will help and don’t. Why can’t any speak about this on going behavior? Why doesn’t this insurance company take responsibility as the claim has been filed and should have been paid already. I see I am not the only one dealing with this company. Bankruptcy maybe? I can’t wait to hear the next story they will make up.

  

  Business response

  08/21/2024

  We are in receipt of the consumer’s complaint. Thank you for bringing this inquiry to our attention. Due to the confidential relationship between biBERK Insurance Services, Inc. and its policyholders, we cannot disclose specific details in a public response. Although we cannot disclose specific details in a public response, a member of our Claims team communicated with the consumer directly via phone on August 15, 2024. Please be advised we have reached a satisfactory resolution of this matter with the consumer.  

• Initial Complaint

  08/08/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  On 06-18-2024 I paid for commercial auto insurance for a vehicle we have. This vehicle is a small van (2020 Ram Promaster City). I paid for the whole year up front. The policy was set to expire on 06-18-2025. On 08-01-2024 I received a notice of cancellation of my insurance policy. When I called BIBERK to ask the reason for this, they informed me that the underwriters performed a search of my business and determined that I used this vehicle for commercial driver training (CDL training). I informed the representative that this vehicle was not used to train CDL truck drivers. Due to many factors (vehicle size, lack of airbrakes, classification of vehicle), it is impossible to train a truck driving student in a passenger vehicle. They submitted this information to the underwriters. I received notice on 08-07-2024 that the decision to cancel my policy would stand. I called on 08-08-2024 and asked to speak with the underwriting department. I was informed that I could not speak to them, and that the decision made on 08-07-2024 was final. I was not able to speak to anyone who made the decision. I informed BIBERK on 08-08-2024 that I would be filing a complaint with the BBB.

  

  Business response

  08/16/2024

  We are in receipt of the consumer’s complaint. Thank you for bringing this inquiry to our attention. Due to the confidential relationship between biBERK Insurance Services Inc. and its policyholders, we cannot disclose specific details in a public response. Although we cannot disclose specific details in a public response, a member of our Customer Service team communicated with the consumer directly by email on August 13, 2024. Please be advised, the Company properly investigated and addressed the issues in the complaint. Good faith efforts were made to resolve these concerns consistent with the Policy terms and conditions and applicable law. Our decision may not be the resolution the consumer requested; however, our decision stands and we consider this matter closed.

  

  Business response

  08/30/2024

  biBERK Insurance Services, Inc. is in receipt of the consumer’s rebuttal to the August 16, 2024, response. Although we cannot disclose specific details in a public response, a supervisor from the Customer Service team communicated with the consumer directly by email on August 21, 2024. Good faith efforts were made to resolve the consumer’s concerns consistent with the Policy terms and conditions and applicable law. Although our decision may not be the resolution the consumer requested, we properly investigated and addressed the issues in the complaint. Accordingly, we consider the matter closed regarding our decision.  

  Customer response

  08/30/2024

  
  Complaint: ********
  
  I am rejecting this response because: biberk seems to be missing the entire reason for my complaint. The issue is that biberk canceled my policy because they said that I used a vehicle for a purpose that I did not. Yes a supervisor answered a question about why I received 2 notices on the same day, however this does not take care of the original complaint that I have. That complaint being, once again, they canceled my policy because the underwriters said that I use a vehicle for a purpose that I don't. Then biberk did not allow me to explain this to the underwriters. 
  
  Sincerely,
  
  *** *******

• Initial Complaint

  08/05/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Our business, ** ****** **** ************ ***, has been receiving Worker's Compensation Insurance through BiBerk Insurance. Upon renewing our policy with BiBerk an error was made in the coding and our policy doubled in price. The policy renewed on 3/16/24. We called and spoke with BiBerk about the error and was told it would have to go through an audit review to be corrected and that can take 4-6 months. Submitted extensive documentation to the audit reviewer. Continued to call to establish that all the necessary documentation was received since they would not respond to my emails. Was told I should schedule a call with the auditor since it appeared everything had been received and it has now been 6 months. This call was scheduled for 8/5/24 at 9:30am. Waited for the auditor to call on the day we were to speak and they never did. Called BiBerk and they said they did not know why they didn't call me and that all they could do was reschedule the call. Asked to speak to a supervisor and was told they don't have one, but that they could email their "Leadership team" for recommendations as to how to move forward. The cost of our policy increased by 100% and we have already met the amount we budgeted for our Worker's Compensation and we are only half way through the policy. We continue to be told it is being reviewed by the auditor and yet I fear they will never finish the review to avoid paying.

  

  Business response

  08/15/2024

  We are in receipt of the consumer’s complaint. Thank you for bringing this inquiry to our attention. Due to the confidential relationship between biBERK Insurance Services, Inc. and its policyholders, we cannot disclose specific details in a public response. Although we cannot disclose specific details in a public response, a member of our Customer Service team communicated with the consumer directly by phone, on August 9, 2024, and email on August 12, 2024, and August 14, 2024.  We are continuing to work with the consumer directly to resolve this matter.  

  Customer response

  08/17/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***** *****

• Initial Complaint

  08/02/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Policy 0040093-01-CA So, you guys continued to collect the payments from my company, after knowing what I needed for the FMCSA. Which cost me more money, and never informed me that the underwriter Declined the request. so, you guys admit that I called to add in May but never granted what I needed and never emailed nor called back. Also, the call for the start of the policy I did give my DOT and MC# for the filing I called back in May due to it was not added. not that I didn't need it from the begging of the policy. biBERK, at this point I feel very misled. THEFT BY DECEPTION. I WILL BE CONTACTING THE STATE AND THE BBB

  

  Business response

  08/14/2024

  We are in receipt of the consumer’s complaint. Thank you for bringing this inquiry to our attention. Due to the confidential relationship between biBERK Insurance Services, Inc., and its policyholders, we cannot disclose specific details in a public response. Although we cannot disclose specific details in a public response, a member of our Customer Service team communicated with the consumer directly by email on August 08, 2024. We are continuing to work with the consumer directly to resolve this matter. 

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩