Berkshire Hathaway Direct Insurance Company filed a form update for its biBerk commercial auto program in South Carolina on December 4, 2025, with changes effective April 1, 2026 for both new business and renewals.

The filing introduces three new policy forms aimed at clarifying coverage conditions and tightening exclusions. First, a Representations Condition is added, allowing the policy to be voided if the application contains material misrepresentations. Second, a Ride Sharing or Delivery Software Application Exclusion removes coverage for losses arising from the use of software platforms associated with ride-sharing or delivery services. Third, an Independent Contractor or Subcontractor Injury Exclusion limits coverage for injuries sustained by non employee workers.

The Department of Insurance questioned how existing policyholders would be informed of the new exclusions prior to renewal. biBerk responded that policyholders receive a renewal quote proposal in advance of renewal that includes a summary of changes, ensuring notice before the updated forms take effect.

The filing reflects biBerk’s effort to formalize underwriting boundaries around gig economy exposures and contractor related risks within its commercial auto book, rather than a rate driven change.