Berkley Aspire Review 2025
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She covers topics ranging from car insurance to healthcare costs.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's Berkley Aspire Score
3.5 Stars
Berkley Aspire provides excess and surplus lines coverage on a national basis for small to medium-sized insureds with low to moderate insurance risk. Its product lines include primary and excess general liability, property, and inland marine. Berkley Aspire serves a limited distribution channel consisting of select Berkley member company appointed independent insurance agents.
Berkley Aspire is a subsidiary of W.R. Berkley Corporation. The Berkley companies, or operating units like Berkley Aspire, are positioned throughout the US. Each company, including Berkley Aspire, develops the skills and expertise necessary to reach its targeted market. Berkley Aspire can react as quickly and effectively as a small business, while offering the stability and resources of W.R. Berkley Corporation.
The carrier has earned strong ratings from AM Best and several other major rating services. These ratings point to the insurance company’s ability to pay claims, debts, and other financial obligations in a timely manner.
We award Berkley Aspire a final rating of 3.5 out of 5 stars. The parent company’s high ratings from AM Best speak to its unquestionable financial strength, one of the most important factors in choosing any insurance company.
The carrier provides a variety of excess and surplus lines business insurance options for small to mid-market companies who cannot find coverage from traditional carriers.
The company works exclusively with independent insurance agents, which is a positive. Independent insurance agents will get to know you and your business, and can provide the personalized service you need no matter which carrier you choose. If you are in one of Berkley Aspire’s preferred industries and are in need of specialized coverage, we recommend looking into Berkley Aspire with the help of your independent insurance agent.
Berkley Aspire Pros and Cons
If you're considering Berkley Aspire as a potential business insurance carrier, consider the following pros and cons.
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To find business insurance in your state, use our national insurance company directory to find the best company to meet your needs.
Berkley Aspire Products
Berkley Aspire specializes in the following product lines.
- General liability insurance
- Property insurance
- Employment practices liability insurance
- Inland marine insurance
- Excess liability insurance
- Cyber liability insurance
- Employee benefits liability insurance
- Owners and contractors protective insurance
Berkley Aspire Specializes in These Industries
Berkley Aspire can consider more than a thousand classes of business, but focuses on the following industries:
- Construction
- Dealer/distributors
- Habitational, warehouses, and vacant properties
- Installation and repair services
- Manufacturing
- Retail
- Restaurants
- Special events
What Discounts Does Berkley Aspire Offer?
Berkley Aspire does not publish any information about specific discounts or savings opportunities that the company offers.
Berkley Aspire Customer Service
Here's what to know about Berkley Aspire’s customer service options.
- Mail, phone, and email service options are available
- Phone service has the following hours restrictions
| Days | Hours (MST) | ||
| Monday-Friday | 7:30 am – 4:30 pm |
For personal service, it’s best to work with your independent insurance agent. If you have questions or concerns about your policy, an independent agent can advocate on your behalf.
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Berkley Aspire FAQs
Berkley Aspire does not publish information about its average claims response time frame. The company simply promises, “fast, fair claims service.” The company touts its experienced claim professionals who are experienced in the nuances of excess and surplus lines insurance. Berkley Aspire also works with a network of independent adjusters, attorneys, and experts to help with investigations and the claims resolution process.
Berkley Aspire has a rather simple website with traditional means of customer service, including phone, email, and regular mail. Customers will receive personal and more comprehensive service by contacting their independent insurance agent.
Berkley Aspire's customers can report a claim to their agent, or they may report a claim directly to the carrier.
Claims can be reported to Berkley Aspire directly by email, and must include the following information:
- Business name
- Contact name, phone number, and email address
- Policy number
- Date of loss
- Brief description of the claim
- Names and contact information for other involved parties
In most cases, it may be best to work directly with your independent insurance agent throughout the claims process.
Berkley Aspire has a simple website with traditional customer service options. Customer are encouraged to work with their independent insurance agent for most issues. Working with an independent insurance agent ensures that you’ll get the personalized, expert service that you need when purchasing or changing or policy, or when filing a claim.
Berkley Aspire focuses on the excess and surplus lines market for covering hard-to-place, unusual, and high risks not typically written by the standard markets. The company’s stated goal is to provide innovative, market-leading, and uncomplicated business services for independent agents and their clients. It focuses on providing fast turnaround on quotes, professionalism, and delivering strong customer service.
Your independent insurance agent can help you decide if the products and services offered by Berkley Aspire are right for your unique risks.
Berkley Aspire is a strong company with the financial backing and stability of W.R. Berkley Corporation. That alone speaks to the company’s longevity and ability to pay claims. It is difficult to evaluate if the company lives up to its customer service promises, as there are no customer reviews available online. Overall, however, Berkley Aspire can be considered a good insurance company for certain businesses that are in need of surplus lines or excess coverage.
https://www.berkleyaspire.com