I had a real headache dealing with biBerk. I moved my business just a block away, and suddenly, my reported annual salary went from $20,000 to $200,000. Because of that, my premium skyrocketed, and my monthly charges were all over the place. When I tried to cancel, a rep told me not to renew, and I wouldn't be charged. But guess what? A few months later, I find out there's a $56 balance sent to collections. Instead of sorting this out, I kept getting calls about it. It's frustrating how a small amount like that can cause so much hassle. I wouldn't advise any business, whether big or small, to go with biBerk.