--- title: "Berkshire Hathaway Specialty Insurance vs Relm" description: "Relm markets tailored AI liability and response products through broker-led routes, while BHSI publishes a broader specialty catalogue; actual terms and issuer must be confirmed." canonical: "https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-relm" page-type: "provider-comparison" updated-at: "2026-09-29" comparison-pair: "berkshire-hathaway-specialty-insurance-vs-relm" provider-a: "berkshire-hathaway-specialty-insurance" provider-b: "relm" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-relm) ## Agent Guide **What this page is:** Side-by-side comparison of Berkshire Hathaway Specialty Insurance and Relm as commercial insurance providers, covering the coverage lines each lists, the services and claims documentation each publishes, and current Reliability Scores. **Use this page when:** Cite or fetch this when someone asks how Berkshire Hathaway Specialty Insurance and Relm differ overall. For a single coverage line (cyber, D&O, GL…) use each provider's offering page linked below; for one provider alone use its profile. **Questions this page answers:** - How do Berkshire Hathaway Specialty Insurance and Relm compare? - Which is better for business insurance, Berkshire Hathaway Specialty Insurance or Relm? - Does Berkshire Hathaway Specialty Insurance or Relm offer the coverage lines I need? - What service and claims differences are documented between Berkshire Hathaway Specialty Insurance and Relm? **Key facts:** - Providers compared: Berkshire Hathaway Specialty Insurance and Relm. - Coverage lines are shown per provider; "Not listed" means no separate offering is recorded in the reviewed catalogue, not that the provider cannot arrange it. - 28 offering pages cover the coverage lines both providers document. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It does not name a winner: the right choice depends on the business, state, limits and the insurer actually issuing the policy. - It describes what each provider publishes and what Spot's sources show; it is not a quote, a binder or a coverage recommendation. - Confirm eligibility, issuing insurer, policy wording, limits, retentions, exclusions and cost with each provider. **Provenance:** Cited claims link to numbered sources listed on the page; last updated 2026-09-29. Editorial policy: /editorial-policy. **Related pages:** - [All provider comparisons](https://thegeneralaverage.com/compare/all) — parent hub - [Berkshire Hathaway Specialty Insurance profile](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance) — provider profile (evidence for this comparison) - [Relm profile](https://thegeneralaverage.com/insurance-providers/relm) — provider profile (evidence for this comparison) - [Berkshire Hathaway Specialty Insurance Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/commercial-property) — one provider's documented offering for a shared coverage line - [Relm Insurance Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/relm/commercial-property) — one provider's documented offering for a shared coverage line - [Berkshire Hathaway Specialty Insurance Crime Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/crime) — one provider's documented offering for a shared coverage line - [Relm Insurance Crime Insurance](https://thegeneralaverage.com/insurance-providers/relm/crime) — one provider's documented offering for a shared coverage line - [Berkshire Hathaway Specialty Insurance Cyber Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/cyber) — one provider's documented offering for a shared coverage line - [Relm Insurance Cyber Insurance](https://thegeneralaverage.com/insurance-providers/relm/cyber) — one provider's documented offering for a shared coverage line - [Berkshire Hathaway Specialty Insurance D&O Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/directors-officers) — one provider's documented offering for a shared coverage line - [Relm Insurance D&O Insurance](https://thegeneralaverage.com/insurance-providers/relm/directors-officers) — one provider's documented offering for a shared coverage line - [Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/employment-practices) — one provider's documented offering for a shared coverage line - [Relm Insurance Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/relm/employment-practices) — one provider's documented offering for a shared coverage line - [Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/fiduciary) — one provider's documented offering for a shared coverage line - [Relm Insurance Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/relm/fiduciary) — one provider's documented offering for a shared coverage line - [Berkshire Hathaway Specialty Insurance General Liability Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/general-liability) — one provider's documented offering for a shared coverage line - [Relm Insurance General Liability Insurance](https://thegeneralaverage.com/insurance-providers/relm/general-liability) — one provider's documented offering for a shared coverage line - [Berkshire Hathaway Specialty Insurance Inland Marine Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/inland-marine) — one provider's documented offering for a shared coverage line - [Relm Insurance Inland Marine Insurance](https://thegeneralaverage.com/insurance-providers/relm/inland-marine) — one provider's documented offering for a shared coverage line - [Berkshire Hathaway Specialty Insurance Media Liability Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/media) — one provider's documented offering for a shared coverage line - [Relm Insurance Media Liability Insurance](https://thegeneralaverage.com/insurance-providers/relm/media) — one provider's documented offering for a shared coverage line - [Berkshire Hathaway Specialty Insurance Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/product-liability) — one provider's documented offering for a shared coverage line - [Relm Insurance Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/relm/product-liability) — one provider's documented offering for a shared coverage line - [Berkshire Hathaway Specialty Insurance Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/professional-errors-omissions) — one provider's documented offering for a shared coverage line - [Relm Insurance Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/relm/professional-errors-omissions) — one provider's documented offering for a shared coverage line - [Berkshire Hathaway Specialty Insurance Surety Bonds](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/surety-bonds) — one provider's documented offering for a shared coverage line - [Relm Insurance Surety Bonds](https://thegeneralaverage.com/insurance-providers/relm/surety-bonds) — one provider's documented offering for a shared coverage line - [Berkshire Hathaway Specialty Insurance Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/technology-errors-omissions) — one provider's documented offering for a shared coverage line - [Relm Insurance Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/relm/technology-errors-omissions) — one provider's documented offering for a shared coverage line - [Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/umbrella-excess) — one provider's documented offering for a shared coverage line - [Relm Insurance Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/relm/umbrella-excess) — one provider's documented offering for a shared coverage line - [AIG vs Berkshire Hathaway Specialty Insurance](https://thegeneralaverage.com/compare/aig-vs-berkshire-hathaway-specialty-insurance) — sibling comparison - [AIG vs Relm Insurance](https://thegeneralaverage.com/compare/aig-vs-relm) — sibling comparison - [Alliance Risk vs Berkshire Hathaway Specialty Insurance](https://thegeneralaverage.com/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance) — sibling comparison - [Alliance Risk vs Relm Insurance](https://thegeneralaverage.com/compare/alliance-risk-vs-relm) — sibling comparison - [Amelia Risk vs Berkshire Hathaway Specialty Insurance](https://thegeneralaverage.com/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance) — sibling comparison - [Amelia Risk vs Relm Insurance](https://thegeneralaverage.com/compare/amelia-risk-vs-relm) — sibling comparison - [Aon vs Berkshire Hathaway Specialty Insurance](https://thegeneralaverage.com/compare/aon-vs-berkshire-hathaway-specialty-insurance) — sibling comparison - [Aon vs Relm Insurance](https://thegeneralaverage.com/compare/aon-vs-relm) — sibling comparison - [Armilla vs Berkshire Hathaway Specialty Insurance](https://thegeneralaverage.com/compare/armilla-vs-berkshire-hathaway-specialty-insurance) — sibling comparison - [Armilla vs Relm Insurance](https://thegeneralaverage.com/compare/armilla-vs-relm) — sibling comparison - [At-Bay vs Berkshire Hathaway Specialty Insurance](https://thegeneralaverage.com/compare/at-bay-vs-berkshire-hathaway-specialty-insurance) — sibling comparison - [At-Bay vs Relm Insurance](https://thegeneralaverage.com/compare/at-bay-vs-relm) — sibling comparison - [The Baldwin Group vs Berkshire Hathaway Specialty Insurance](https://thegeneralaverage.com/compare/baldwin-vs-berkshire-hathaway-specialty-insurance) — sibling comparison - [The Baldwin Group vs Relm Insurance](https://thegeneralaverage.com/compare/baldwin-vs-relm) — sibling comparison - [Beazley vs Berkshire Hathaway Specialty Insurance](https://thegeneralaverage.com/compare/beazley-vs-berkshire-hathaway-specialty-insurance) — sibling comparison - [Beazley vs Relm Insurance](https://thegeneralaverage.com/compare/beazley-vs-relm) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs biBerk](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-biberk) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs CFC](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-cfc) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs Chubb](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-chubb) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs CNA](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-cna) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs Coalition](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-coalition) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs Corgi](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-corgi) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs Coterie Insurance](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-coterie) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs Counterpart](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-counterpart) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs Coverdash](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-coverdash) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs Cowbell](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-cowbell) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs Embroker](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-embroker) — sibling comparison - [Berkshire Hathaway Specialty Insurance vs Founder Shield](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-foundershield) — sibling comparison - [biBerk vs Relm Insurance](https://thegeneralaverage.com/compare/biberk-vs-relm) — sibling comparison - [CFC vs Relm Insurance](https://thegeneralaverage.com/compare/cfc-vs-relm) — sibling comparison - [Chubb vs Relm Insurance](https://thegeneralaverage.com/compare/chubb-vs-relm) — sibling comparison - [CNA vs Relm Insurance](https://thegeneralaverage.com/compare/cna-vs-relm) — sibling comparison - [Coalition vs Relm Insurance](https://thegeneralaverage.com/compare/coalition-vs-relm) — sibling comparison - [Corgi vs Relm Insurance](https://thegeneralaverage.com/compare/corgi-vs-relm) — sibling comparison - [Coterie Insurance vs Relm Insurance](https://thegeneralaverage.com/compare/coterie-vs-relm) — sibling comparison - [Counterpart vs Relm Insurance](https://thegeneralaverage.com/compare/counterpart-vs-relm) — sibling comparison - [Coverdash vs Relm Insurance](https://thegeneralaverage.com/compare/coverdash-vs-relm) — sibling comparison - [Cowbell vs Relm Insurance](https://thegeneralaverage.com/compare/cowbell-vs-relm) — sibling comparison - [Embroker vs Relm Insurance](https://thegeneralaverage.com/compare/embroker-vs-relm) — sibling comparison # Berkshire Hathaway Specialty Insurance vs Relm Insurance: How Do They Compare for Business Insurance? Relm markets tailored AI liability and response products through broker-led routes, while BHSI publishes a broader specialty catalogue; actual terms and issuer must be confirmed. ## Before You Quote Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business. ## Berkshire Hathaway Specialty Insurance vs Relm Insurance in Brief Relm publishes an AI-focused suite: NOVAAI for AI developers, PONTAAI as an excess difference-in-conditions wrap where existing liability programs may exclude AI, and RESCAAI for certain first-party impacts of third-party AI. Relm’s public information says coverage is subject to jurisdiction and policy wording, and its Bermuda insurer works through appropriately licensed brokers; its U.S. MGA is a separate distribution role. BHSI publishes a broad specialty catalogue but its guide alone does not establish AI-specific coverage. A company developing or embedding AI can ask a broker to compare the exact AI triggers, exclusions, territories and issuing entities in any Relm or BHSI proposal. [25](https://relminsurance.com/industry/artificial-intelligence-insurance/ "Artificial Intelligence Insurance") [30](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions") [31](https://relminsurance.com/relms-novaai-solution-insurance-for-ai-platforms-and-developers/ "Relm’s NOVAAI Solution: Insurance for AI Platforms and Developers") [32](https://relminsurance.com/relms-pontaai-solution-ai-insurance-coverage-beyond-existing-liability-programs/ "Relm’s PONTAAI Solution: AI Insurance Coverage Beyond Existing Liability Programs") [33](https://relminsurance.com/rescaai-solution-innovative-insurance-for-ai-exposed-operations/ "Relm’s RESCAAI Solution: Innovative Insurance for AI-Exposed Operations") [27](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [35](https://relminsurance.com/contact/ "Contact") [26](https://relminsurance.com/legal-information/ "Legal Information") [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") ## Berkshire Hathaway Specialty Insurance and Relm Insurance Reliability Scores These sourced assessments are shown for context; this comparison does not select a winner. ### Berkshire Hathaway Specialty Insurance Reliability Scores Role: Insurance carrier. Carrier & MGA Reliability Score: **7.0/10** (partial score; 85% of this role's weighting included). Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Carrier-Network Strength (The supplied evidence did not support a score for Carrier-Network Strength; this factor is excluded, not scored as zero. Canonical evidence gaps: The AM Best rating carries a group-affiliation code, so it reflects the Berkshire Hathaway group rather than a standalone view.; No NAIC complaint index or state complaint data for BHSIC was found, so service outcomes are not measured.; Which BHSI-branded product is written on BHSIC paper versus an affiliate (Direct, Homestate, travel programs) is not mapped by product.; A state-by-state license lookup was not run; the all-states statement comes from the Nebraska exam report.; Non-U.S. regulators (FCA and PRA for the U.K. entity, Singapore, Australia and others) were not searched.). Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/reliability). ### Relm Insurance Reliability Scores Role: Hybrid role. Broker Reliability Score: **No Reliability Score**. Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.). Carrier & MGA Reliability Score: **No Reliability Score**. Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.). Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/relm/reliability). ## Berkshire Hathaway Specialty Insurance Review Scores for 2026 Review Score: not enough ratings. The public ratings for Berkshire Hathaway Specialty Insurance are low but thin: Trustpilot shows 2.1 out of 5 from 9 reviews and BBB shows 1 out of 5 from 6. Both mix travel and commercial customers, so we don't count them in a score. - Trustpilot: TrustScore 2.1 (out of 5); 9 reviews. Trustpilot profile for bhspecialty.com, accessed 2026-09-29. Its small review set mixes travel-policy and other customer accounts; it is user-generated and unverified, and does not establish commercial-policy outcomes or representativeness. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance Reviews](https://www.trustpilot.com/review/bhspecialty.com) - BBB: Customer review average 1 (out of 5 stars); 6 reviews. BBB page for BHSI headquarters and corporate-owned locations, accessed 2026-09-29. The page’s six customer reviews mix travel and commercial narratives; BBB says third-party information is not verified. BBB’s business letter grade is separate from these customer reviews. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance — BBB Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/berkshire-hathaway-specialty-insurance-0021-439678/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/reviews). ## Relm Insurance Review Scores for 2026 Review Score: not enough ratings. We couldn't find any public customer reviews or ratings for Relm Insurance. Its Trustpilot page exists but has no reviews yet. Reviewed 2026-09-29. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/relm/reviews). ## An Overview of Berkshire Hathaway Specialty Insurance and Relm Insurance Relm positions itself around emerging industries and publishes distinct AI products for different buyer exposures: cyber and technology errors-and-omissions for AI developers, an excess wrap for some AI-related gaps in existing liability programs, and first-party response for businesses using third-party AI. This can be relevant when a company can describe whether it builds AI, sells AI-enabled services or relies on outside AI in operations. Relm also cautions that coverage varies by jurisdiction and depends on the policy wording; it says its Bermuda insurer works through appropriately licensed brokers, with a separate U.S. MGA/distribution route. BHSI’s U.S. guide is broader across specialty segments but does not by itself establish an AI-specific grant. Compare actual proposals rather than assuming either catalogue answers an AI exposure. AI and emerging-industry buyers can approach Relm for specialty insurance, but its Bermuda insurer and US distributor perform different roles. [25](https://relminsurance.com/industry/artificial-intelligence-insurance/ "Artificial Intelligence Insurance") [27](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [26](https://relminsurance.com/legal-information/ "Legal Information") (Evidence: Company-reported; scope: Brand-level introduction; company descriptions, not an independent regulatory finding.; verified: 2026-09-16.) Check who will sell and issue your policy: Relm Insurance Ltd. is Bermuda regulated; Relm US Insurance Solutions Inc. is a US producer and MGA. The Bermuda insurer says it works only through licensed brokers. [26](https://relminsurance.com/legal-information/ "Legal Information") [27](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") (Evidence: Company-reported; scope: Company legal disclosures and US launch announcement; authority and insurer vary by placement. No regulator license verification completed.; verified: 2026-09-16.) AI developers, sellers and businesses deploying third-party AI can consider Relm’s products; public pages do not specify a minimum funding stage or revenue threshold. [30](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions") [31](https://relminsurance.com/relms-novaai-solution-insurance-for-ai-platforms-and-developers/ "Relm’s NOVAAI Solution: Insurance for AI Platforms and Developers") [33](https://relminsurance.com/rescaai-solution-innovative-insurance-for-ai-exposed-operations/ "Relm’s RESCAAI Solution: Innovative Insurance for AI-Exposed Operations") (Evidence: Company-reported; scope: AI product audiences; no inference that all bootstrapped, pre-revenue or growth-stage companies qualify.; verified: 2026-09-16.) AI developers can consider NOVAAI cyber and Tech E&O, which Relm says may address product/service liability, content disputes, bias and regulatory exposures; fines are covered only where legal, and policy terms control. [31](https://relminsurance.com/relms-novaai-solution-insurance-for-ai-platforms-and-developers/ "Relm’s NOVAAI Solution: Insurance for AI Platforms and Developers") [30](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions") (Evidence: Company-reported; scope: AI-specific cyber/technology E&O marketing; no reviewed California policy form.; verified: 2026-09-16.) If an existing liability policy excludes AI risks, Relm markets PONTAAI as an excess difference-in-conditions wrap; whether it fills a specific gap depends on the underlying policies and quoted wording. [32](https://relminsurance.com/relms-pontaai-solution-ai-insurance-coverage-beyond-existing-liability-programs/ "Relm’s PONTAAI Solution: AI Insurance Coverage Beyond Existing Liability Programs") (Evidence: Company-reported; scope: Excess AI liability product; not a guarantee of drop-down coverage or a standalone IP policy.; verified: 2026-09-16.) Businesses using third-party AI can consider RESCAAI for first-party interruption, reputation, product recall and incident-response expenses, subject to policy triggers and terms. [33](https://relminsurance.com/rescaai-solution-innovative-insurance-for-ai-exposed-operations/ "Relm’s RESCAAI Solution: Innovative Insurance for AI-Exposed Operations") (Evidence: Company-reported; scope: First-party means the insured business’s own loss; no separate unrestricted product-recall offering inferred.; verified: 2026-09-16.) Get written California terms before applying because reviewed pages do not establish the insurer, admitted status or broker route for NOVAAI, PONTAAI or RESCAAI. [26](https://relminsurance.com/legal-information/ "Legal Information") [27](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [30](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions") (Evidence: Not found in reviewed sources; scope: Scoped unresolved California AI placement route, not a finding of unavailability. US marketing and producer licensing alone do not establish a particular policy route.; verified: 2026-09-16.) Relm’s inquiry form collects company and location details; its US offering is distributed through partners and licensed brokers, with no documented instant quote or online bind. [35](https://relminsurance.com/contact/ "Contact") [27](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") (Evidence: Company-reported; scope: Public inquiry and broker-led access; no form submitted and no quotation received.; verified: 2026-09-16.) BHSI’s U.S. At A Glance section (version 2026-8-03 A) lists commercial property, casualty, healthcare professional liability, executive and professional lines, surety, travel, programs, employer stop loss, and homeowners insurance. The guide is informational, not policy coverage, and its brand-level list does not identify the insurer on a particular policy. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [2](https://www.bhspecialty.com/about-us/ "About Us") [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: A description of BHSI's U.S. line list in its U.S. At A Glance section (version 2026-8-03 A) only. The guide says its descriptions are informational and are not coverage; its brand-level list does not assign an issuing insurer to a particular product or policy. This is not a claim that one legal insurer issues every BHSI product.; verified: 2026-09-29.) BHSI's website terms say online application or quote submissions are informational and nonbinding; only contracted agents of the National Indemnity group may bind coverage, issue policies or certificates, or change coverage. Group companies' authority also varies by state, so the terms do not show that every application must begin through an agent. [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: The website's own online submissions and binding authority described by BHSI's terms; not a statement about every product's intake process or a claim that purchase can be completed online.; verified: 2026-09-28.) [25](https://relminsurance.com/industry/artificial-intelligence-insurance/ "Artificial Intelligence Insurance") [30](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions") [31](https://relminsurance.com/relms-novaai-solution-insurance-for-ai-platforms-and-developers/ "Relm’s NOVAAI Solution: Insurance for AI Platforms and Developers") [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") ## What Stands Out About Berkshire Hathaway Specialty Insurance and Relm Insurance? ### Berkshire Hathaway Specialty Insurance at a Glance - BHSI’s U.S. materials list industry focus areas including real estate, public entities, healthcare, education, manufacturing and technology. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") (Evidence: Company-reported; scope: Company-stated industry focus in the United States section of the At A Glance (U.S. section version 2026-8-03 A); industry lists are segment-specific, not a universal eligibility statement.; verified: 2026-09-29.) - BHSI says it discusses coverage issues directly with insureds and brokers and keeps them involved in third-party settlement discussions. [8](https://www.bhspecialty.com/wp-content/uploads/2024/11/Claims-Excellence-US.pdf "Claims Excellence — United States") (Evidence: Company-reported; scope: Company-stated U.S. claims-service standards in version US 2024-10-07A; accessed 2026-09-28. Process commitments are not evidence of measured service or outcomes.; verified: 2026-09-28.) ### Relm Insurance at a Glance - AI developers can seek cyber and technology E&O coverage through Nova AI. [31](https://relminsurance.com/relms-novaai-solution-insurance-for-ai-platforms-and-developers/ "Relm’s NOVAAI Solution: Insurance for AI Platforms and Developers") [30](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions") (Evidence: Company-reported; scope: AI-specific cyber/technology E&O marketing; no reviewed California policy form.; verified: 2026-09-16.) - Resca AI addresses first-party losses caused by third-party AI failures. [33](https://relminsurance.com/rescaai-solution-innovative-insurance-for-ai-exposed-operations/ "Relm’s RESCAAI Solution: Innovative Insurance for AI-Exposed Operations") (Evidence: Company-reported; scope: First-party means the insured business’s own loss; no separate unrestricted product-recall offering inferred.; verified: 2026-09-16.) ## Berkshire Hathaway Specialty Insurance vs Relm Insurance Coverage Lines Compared | Coverage Type | Berkshire Hathaway Specialty Insurance | Relm Insurance | | --- | --- | --- | | [Builders risk](https://thegeneralaverage.com/coverage/builders-risk) | Listed: BHSI’s current U.S. Builder’s Risk page lists construction-project coverage, including hot testing/commissioning, delay and soft-cost features, and selectively considered Master Builder’s Risk programs. Project scope, eligibility, terms and issuer remain policy-specific. [22](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk") | Not listed | | [Cargo and transit](https://thegeneralaverage.com/coverage/cargo-transit) | Listed: BHSI's current Marine catalog lists Ocean Cargo, Stock Throughputs, and Project Cargo. The older US-12/22-A guide lists Project Cargo as out of appetite, so confirm its current status; BHSI lists Inland Marine separately. [9](https://www.bhspecialty.com/us-products/us-marine/ "Marine") [10](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview") | Not listed | | [Commercial property](https://thegeneralaverage.com/coverage/commercial-property) | Listed: BHSI lists all-risk commercial property and selected single-peril options, including earthquake, flood, and windstorm. [11](https://www.bhspecialty.com/us-products/us-property/ "Property") [12](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf "General Property Appetite Guide") | Listed: Relm lists commercial property insurance for placement through brokers. [28](https://relminsurance.com/lines-of-business/ "Lines of Business") | | [Crime](https://thegeneralaverage.com/coverage/crime) | Listed: BHSI lists Commercial Crime within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, employment-practices, fiduciary and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not a crime-specific limit. Crime coverage is distinct from fidelity bonds. [14](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") | Listed: Relm lists crime insurance for placement through brokers. [28](https://relminsurance.com/lines-of-business/ "Lines of Business") | | [Cyber liability](https://thegeneralaverage.com/coverage/cyber) | Listed: BHSI markets a U.S. Network Security & Privacy product with third-party breach, response-expense and network-interruption features; its Professional First overview also describes stand-alone Cyber and blended E&O/Cyber forms. Product form, eligibility, terms and issuer depend on the risk and policy. [23](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/ "Professional First Network Security & Privacy Policy") [18](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") | Listed: Relm lists cyber insurance for placement through brokers. [28](https://relminsurance.com/lines-of-business/ "Lines of Business") | | [Digital assets](https://thegeneralaverage.com/coverage/digital-assets) | Not listed | Listed: Relm lists digital-asset crime, slashing and smart-contract risks for placement through brokers. [28](https://relminsurance.com/lines-of-business/ "Lines of Business") | | [Directors and officers](https://thegeneralaverage.com/coverage/directors-officers) | Listed: Executive First D&O liability materials describe separate public-company and private-company products. [13](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/do-liability-insurance/ "Executive First Directors & Officers Liability Insurance") [14](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") | Listed: Relm lists directors and officers liability for placement through brokers. [28](https://relminsurance.com/lines-of-business/ "Lines of Business") | | [Employment practices liability](https://thegeneralaverage.com/coverage/employment-practices) | Listed: BHSI lists employment-practices liability within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, fiduciary, crime and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not an EPL-specific limit. [14](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") | Listed: Relm lists employment practices liability for placement through brokers. [28](https://relminsurance.com/lines-of-business/ "Lines of Business") | | [Fiduciary liability](https://thegeneralaverage.com/coverage/fiduciary) | Listed: BHSI lists fiduciary liability within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, employment-practices, crime and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not a fiduciary-specific limit. [14](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") | Listed: Relm lists fiduciary liability for placement through brokers. [28](https://relminsurance.com/lines-of-business/ "Lines of Business") | | [General liability](https://thegeneralaverage.com/coverage/general-liability) | Listed: BHSI lists primary general liability, with contractor and pollution features described in its casualty materials. [15](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [16](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") | Listed: Relm lists general liability insurance for placement through brokers. [28](https://relminsurance.com/lines-of-business/ "Lines of Business") | | [Generative AI liability](https://thegeneralaverage.com/coverage/generative-ai-liability) | Not listed | Listed: Relm describes NOVAAI for AI platforms and developers and PONTAAI excess coverage for AI users and developers. [31](https://relminsurance.com/relms-novaai-solution-insurance-for-ai-platforms-and-developers/ "Relm’s NOVAAI Solution: Insurance for AI Platforms and Developers") [30](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions") | | [Kidnap and ransom](https://thegeneralaverage.com/coverage/kidnap-ransom) | Not listed | Listed: Relm lists kidnap and ransom insurance for placement through brokers. [28](https://relminsurance.com/lines-of-business/ "Lines of Business") | | [Media liability](https://thegeneralaverage.com/coverage/media) | Listed: BHSI’s Professional First overview names Media Liability, and its architects/engineers product describes media liability only within a specialized combined design-industry form. The overview’s catalogue listing does not establish standalone terms or current account availability. [18](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [19](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/professional-firsttm-architects-engineers-and-consultants-professional-liability/ "Professional First Architects, Engineers and Consultants Professional Liability") | Listed: Relm lists media liability insurance for placement through brokers. [28](https://relminsurance.com/lines-of-business/ "Lines of Business") | | [Product liability](https://thegeneralaverage.com/coverage/product-liability) | Listed: BHSI lists primary products and completed-operations liability as a casualty product. [15](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [16](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") | Listed: Relm lists product liability insurance for placement through brokers. [28](https://relminsurance.com/lines-of-business/ "Lines of Business") | | [Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions) | Listed: Professional First materials describe a professional-liability portfolio with several professions and service types. [17](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/ "Professional First Professional Liability") [18](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [19](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/professional-firsttm-architects-engineers-and-consultants-professional-liability/ "Professional First Architects, Engineers and Consultants Professional Liability") | Listed: Relm lists professional errors and omissions insurance for placement through brokers. [28](https://relminsurance.com/lines-of-business/ "Lines of Business") | | [Representations and warranties](https://thegeneralaverage.com/coverage/representations-warranties) | Listed: BHSI lists Representations & Warranties Insurance within its Transactional Liability products. [20](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/transactional-liability/ "Transactional Liability") [21](https://www.bhspecialty.com/wp-content/uploads/marketing/Transactional-Liability-Overview-US.pdf "Transactional Liability Overview") | Not listed | | [Surety bonds](https://thegeneralaverage.com/coverage/surety-bonds) | Listed: BHSI’s U.S. Surety page lists performance, payment, advance-payment, maintenance, supply and warranty bonds for contractor and construction-supplier accounts. Bond obligations depend on the bond form, principal, obligee and jurisdiction; this catalogue listing does not establish bond approval or terms. [24](https://www.bhspecialty.com/us-products/us-surety/ "Surety") | Listed: Relm lists contract surety for placement through brokers. [28](https://relminsurance.com/lines-of-business/ "Lines of Business") | | [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) | Listed: Professional First materials identify Technology E&O as a professional-liability product. [18](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [19](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/professional-firsttm-architects-engineers-and-consultants-professional-liability/ "Professional First Architects, Engineers and Consultants Professional Liability") | Listed: Relm lists technology errors and omissions insurance for placement through brokers. [28](https://relminsurance.com/lines-of-business/ "Lines of Business") | | [Tools, equipment and inland marine](https://thegeneralaverage.com/coverage/inland-marine) | Listed: BHSI lists inland transit, motor-truck cargo, warehouse legal liability, contractor equipment, and floaters under Inland Marine. [9](https://www.bhspecialty.com/us-products/us-marine/ "Marine") | Listed: Relm lists inland marine insurance for placement through brokers. [28](https://relminsurance.com/lines-of-business/ "Lines of Business") | | [Umbrella and excess liability](https://thegeneralaverage.com/coverage/umbrella-excess) | Listed: BHSI lists lead umbrella and excess casualty within its U.S. casualty products. [15](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [16](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") | Listed: Relm lists excess liability for placement through brokers. [28](https://relminsurance.com/lines-of-business/ "Lines of Business") | A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms. ## Berkshire Hathaway Specialty Insurance and Relm Insurance Coverage, Line by Line - [Berkshire Hathaway Specialty Insurance Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/commercial-property) - [Relm Insurance Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/relm/commercial-property) - [Berkshire Hathaway Specialty Insurance Crime Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/crime) - [Relm Insurance Crime Insurance](https://thegeneralaverage.com/insurance-providers/relm/crime) - [Berkshire Hathaway Specialty Insurance Cyber Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/cyber) - [Relm Insurance Cyber Insurance](https://thegeneralaverage.com/insurance-providers/relm/cyber) - [Berkshire Hathaway Specialty Insurance D&O Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/directors-officers) - [Relm Insurance D&O Insurance](https://thegeneralaverage.com/insurance-providers/relm/directors-officers) - [Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/employment-practices) - [Relm Insurance Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/relm/employment-practices) - [Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/fiduciary) - [Relm Insurance Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/relm/fiduciary) - [Berkshire Hathaway Specialty Insurance General Liability Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/general-liability) - [Relm Insurance General Liability Insurance](https://thegeneralaverage.com/insurance-providers/relm/general-liability) - [Berkshire Hathaway Specialty Insurance Inland Marine Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/inland-marine) - [Relm Insurance Inland Marine Insurance](https://thegeneralaverage.com/insurance-providers/relm/inland-marine) - [Berkshire Hathaway Specialty Insurance Media Liability Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/media) - [Relm Insurance Media Liability Insurance](https://thegeneralaverage.com/insurance-providers/relm/media) - [Berkshire Hathaway Specialty Insurance Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/product-liability) - [Relm Insurance Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/relm/product-liability) - [Berkshire Hathaway Specialty Insurance Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/professional-errors-omissions) - [Relm Insurance Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/relm/professional-errors-omissions) - [Berkshire Hathaway Specialty Insurance Surety Bonds](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/surety-bonds) - [Relm Insurance Surety Bonds](https://thegeneralaverage.com/insurance-providers/relm/surety-bonds) - [Berkshire Hathaway Specialty Insurance Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/technology-errors-omissions) - [Relm Insurance Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/relm/technology-errors-omissions) - [Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/umbrella-excess) - [Relm Insurance Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/relm/umbrella-excess) ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage. ## Key Differences Between Relm and Berkshire Hathaway Specialty Insurance ### business-role and legal-roles Relm’s published suite makes the intended buyer distinctions visible. NOVAAI targets AI platform and product/service developers; PONTAAI is described as an excess difference-in-conditions wrap where an existing liability program may exclude AI; RESCAAI addresses certain first-party business interruption, reputational harm, recall and incident-response expenses tied to third-party AI. These are company descriptions, not a guarantee that a particular event is covered. An AI buyer should map its role, data and system dependencies to the proposed definitions, triggers, exclusions, sublimits and underlying policy requirements. Its public pages also say coverage may not be available in every jurisdiction and that the Bermuda insurer works through licensed brokers; the actual product route and insurer need written confirmation. AI and emerging-industry buyers can approach Relm for specialty insurance, but its Bermuda insurer and US distributor perform different roles. [25](https://relminsurance.com/industry/artificial-intelligence-insurance/ "Artificial Intelligence Insurance") [27](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [26](https://relminsurance.com/legal-information/ "Legal Information") (Evidence: Company-reported; scope: Brand-level introduction; company descriptions, not an independent regulatory finding.; verified: 2026-09-16.) Check who will sell and issue your policy: Relm Insurance Ltd. is Bermuda regulated; Relm US Insurance Solutions Inc. is a US producer and MGA. The Bermuda insurer says it works only through licensed brokers. [26](https://relminsurance.com/legal-information/ "Legal Information") [27](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") (Evidence: Company-reported; scope: Company legal disclosures and US launch announcement; authority and insurer vary by placement. No regulator license verification completed.; verified: 2026-09-16.) [25](https://relminsurance.com/industry/artificial-intelligence-insurance/ "Artificial Intelligence Insurance") ### Product fit and policy confirmation BHSI’s U.S. guide lists a broad mix of specialty products and industries, but does not describe a universal AI endorsement or establish whether a proposed BHSI form affirmatively covers a particular AI loss. That is a question for the exact policy language and underwriting response, not an assumption that a broader catalogue is equivalent to Relm’s AI-specific descriptions. A technology company considering BHSI should provide a clear account of whether it develops, sells or deploys AI and ask how the proposed forms treat AI-related liability, cyber events, privacy, intellectual property and business interruption. The website’s online submissions are nonbinding; an authorized contracted agent must bind coverage. BHSI's U.S. industry focus spans real estate, public entities, financial institutions, healthcare, education, manufacturing, retail, logistics, transportation, energy, and technology. The at-a-glance guide associates these industries with particular product segments; it does not say every segment serves every listed industry. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") (Evidence: Company-reported; scope: Company-stated industry focus in the United States section of the At A Glance (U.S. section version 2026-8-03 A); industry lists are segment-specific, not a universal eligibility statement.; verified: 2026-09-29.) BHSI's website terms say online application or quote submissions are informational and nonbinding; only contracted agents of the National Indemnity group may bind coverage, issue policies or certificates, or change coverage. Group companies' authority also varies by state, so the terms do not show that every application must begin through an agent. [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: The website's own online submissions and binding authority described by BHSI's terms; not a statement about every product's intake process or a claim that purchase can be completed online.; verified: 2026-09-28.) [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") ## What Should You Confirm in Berkshire Hathaway Specialty Insurance and Relm Quotes? - Ask the broker which Relm entity and insurer would be involved, which of NOVAAI, PONTAAI or RESCAAI is proposed, and whether the buyer’s jurisdiction and business model fit. [25](https://relminsurance.com/industry/artificial-intelligence-insurance/ "Artificial Intelligence Insurance") [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") - For BHSI, request the exact form, endorsement and underwriting response addressing the buyer’s AI use; the general U.S. guide is not an AI coverage grant. [30](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions") [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") - Compare definitions, affirmative grants, exclusions, underlying-policy conditions, territory, limits and claims notice requirements in the policies themselves. [31](https://relminsurance.com/relms-novaai-solution-insurance-for-ai-platforms-and-developers/ "Relm’s NOVAAI Solution: Insurance for AI Platforms and Developers") [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") ## Berkshire Hathaway Specialty Insurance vs Relm Insurance Services Compared What each provider documents about the services you may need. | Criteria | Berkshire Hathaway Specialty Insurance | Relm Insurance | | --- | --- | --- | | Business role | BHSI’s U.S. At A Glance section (version 2026-8-03 A) lists commercial property, casualty, healthcare professional liability, executive and professional lines, surety, travel, programs, employer stop loss, and homeowners insurance. The guide is informational, not policy coverage, and its brand-level list does not identify the insurer on a particular policy. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [2](https://www.bhspecialty.com/about-us/ "About Us") [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: A description of BHSI's U.S. line list in its U.S. At A Glance section (version 2026-8-03 A) only. The guide says its descriptions are informational and are not coverage; its brand-level list does not assign an issuing insurer to a particular product or policy. This is not a claim that one legal insurer issues every BHSI product.; verified: 2026-09-29.)

Berkshire Hathaway Specialty Insurance Company (BHSIC) identifies itself in its Singapore-branch public disclosure as a Nebraska-domiciled direct property and casualty insurer, wholly owned by National Indemnity Company, which is wholly owned by Berkshire Hathaway Incorporated. The Singapore-branch disclosure states this ownership chain. A Missouri Department of Insurance record separately lists BHSIC as active, NAIC 22276, and Property and Casualty in Missouri. Neither source identifies BHSIC as the issuer of every BHSI-branded U.S. policy. [3](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/ "Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch") [4](https://insurance.mo.gov/find-insurance-company/company-details?id=104347139 "Company Details — Berkshire Hathaway Specialty Insurance Company") [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Company-reported corporate identity and ownership in BHSI's Singapore-branch public disclosure, corroborated for company identity and Missouri P&C authority by the Missouri Department of Insurance record accessed 2026-09-28. Neither source maps BHSIC as issuer for every BHSI-branded U.S. product; use policy-specific documents for that.; verified: 2026-09-28.) | AI and emerging-industry buyers can approach Relm for specialty insurance, but its Bermuda insurer and US distributor perform different roles. [25](https://relminsurance.com/industry/artificial-intelligence-insurance/ "Artificial Intelligence Insurance") [27](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [26](https://relminsurance.com/legal-information/ "Legal Information") (Evidence: Company-reported; scope: Brand-level introduction; company descriptions, not an independent regulatory finding.; verified: 2026-09-16.)

Check who will sell and issue your policy: Relm Insurance Ltd. is Bermuda regulated; Relm US Insurance Solutions Inc. is a US producer and MGA. The Bermuda insurer says it works only through licensed brokers. [26](https://relminsurance.com/legal-information/ "Legal Information") [27](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") (Evidence: Company-reported; scope: Company legal disclosures and US launch announcement; authority and insurer vary by placement. No regulator license verification completed.; verified: 2026-09-16.) | | Customer focus | BHSI's U.S. industry focus spans real estate, public entities, financial institutions, healthcare, education, manufacturing, retail, logistics, transportation, energy, and technology. The at-a-glance guide associates these industries with particular product segments; it does not say every segment serves every listed industry. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") (Evidence: Company-reported; scope: Company-stated industry focus in the United States section of the At A Glance (U.S. section version 2026-8-03 A); industry lists are segment-specific, not a universal eligibility statement.; verified: 2026-09-29.)

Within its U.S. executive-lines commercial and financial segment, BHSI lists publicly traded and large privately owned commercial firms; investment, money-center, national, and regional banks; asset managers; and insurance companies and brokerages. The size description applies to the commercial-firm entry, not every listed institution or all BHSI products. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") (Evidence: Company-reported; scope: Only the U.S. Executive Lines, Commercial & Financial segment, At A Glance p. 50. The “publicly traded and large privately owned” qualifier attaches to the Commercial Firms bullet only.; verified: 2026-09-28.) | AI developers, sellers and businesses deploying third-party AI can consider Relm’s products; public pages do not specify a minimum funding stage or revenue threshold. [30](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions") [31](https://relminsurance.com/relms-novaai-solution-insurance-for-ai-platforms-and-developers/ "Relm’s NOVAAI Solution: Insurance for AI Platforms and Developers") [33](https://relminsurance.com/rescaai-solution-innovative-insurance-for-ai-exposed-operations/ "Relm’s RESCAAI Solution: Innovative Insurance for AI-Exposed Operations") (Evidence: Company-reported; scope: AI product audiences; no inference that all bootstrapped, pre-revenue or growth-stage companies qualify.; verified: 2026-09-16.) | | Application process | BHSI's website terms say online application or quote submissions are informational and nonbinding; only contracted agents of the National Indemnity group may bind coverage, issue policies or certificates, or change coverage. Group companies' authority also varies by state, so the terms do not show that every application must begin through an agent. [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: The website's own online submissions and binding authority described by BHSI's terms; not a statement about every product's intake process or a claim that purchase can be completed online.; verified: 2026-09-28.) | Relm’s inquiry form collects company and location details; its US offering is distributed through partners and licensed brokers, with no documented instant quote or online bind. [35](https://relminsurance.com/contact/ "Contact") [27](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") (Evidence: Company-reported; scope: Public inquiry and broker-led access; no form submitted and no quotation received.; verified: 2026-09-16.) | ## Provider Profiles for Berkshire Hathaway Specialty Insurance and Relm Insurance - [What Is Berkshire Hathaway Specialty Insurance?](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance) - [What Is Relm Insurance?](https://thegeneralaverage.com/insurance-providers/relm) ## Comparisons Related to Berkshire Hathaway Specialty Insurance vs Relm Insurance - [AIG vs Berkshire Hathaway Specialty Insurance](https://thegeneralaverage.com/compare/aig-vs-berkshire-hathaway-specialty-insurance) - [AIG vs Relm Insurance](https://thegeneralaverage.com/compare/aig-vs-relm) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance](https://thegeneralaverage.com/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance) - 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[Embroker vs Relm Insurance](https://thegeneralaverage.com/compare/embroker-vs-relm) ## Sources for Berkshire Hathaway Specialty Insurance vs Relm Insurance ### [Berkshire Hathaway Specialty Insurance Official Website](https://www.bhspecialty.com/) 1. [At A Glance](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf). Berkshire Hathaway Specialty Insurance; United States section, zero-based PDF pages 49–53 (viewer pages 50–54): product/industry lists on pages 49–50; U.S. disclosure/version footer on page 53 is 2026-8-03 A. The 2026-09-14 A footer is on preceding European page 48, not the U.S. section. Accessed 2026-09-29. 2. [About Us](https://www.bhspecialty.com/about-us/). Berkshire Hathaway Specialty Insurance; About BHSI; company profile page re-opened through official site on 2026-09-28; company says it is part of National Indemnity group. Accessed 2026-09-28. 3. [Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/). Berkshire Hathaway Specialty Insurance; Singapore branch public disclosure, Company Profile ¶¶ 1–2; direct page opened 2026-09-28. ¶ 1 identifies BHSIC as a Nebraska-domiciled direct P&C insurer; ¶ 2 states BHSIC is wholly owned by National Indemnity Company, itself wholly owned by Berkshire Hathaway Incorporated. Accessed 2026-09-28. 4. [Company Details — Berkshire Hathaway Specialty Insurance Company](https://insurance.mo.gov/find-insurance-company/company-details?id=104347139). Missouri Department of Insurance; Company Details fields: legal name, active license status, NAIC number 22276, and Property and Casualty description; Missouri regulator record also lists 2025 property-casualty lines. Accessed 2026-09-28. Accessed 2026-09-28. 5. [Terms of Service](https://www.bhspecialty.com/terms-conditions/). Berkshire Hathaway Specialty Insurance; Important Information Concerning Use of this Web Site, paragraphs 2–4; nonbinding submissions, contracted-agent authority, state variation, product availability and policy-specific terms. Accessed 2026-09-28. 6. [United States](https://www.bhspecialty.com/us-products/). Berkshire Hathaway Specialty Insurance; United States products directory, opened 2026-09-28. Rendered page lists U.S. category links and Casualty/Property headings (lines 6–44); this directory view is navigation, not the linked product pages or a full review of product materials. Accessed 2026-09-28. 7. [Claims — United States](https://www.bhspecialty.com/claims/). Berkshire Hathaway Specialty Insurance; Claims Reporting, lines 34–91; separate product-specific directions, then “All other claims” email, 24-hour toll-free phone, postal/overnight mail. Accessed 2026-09-28. 8. [Claims Excellence — United States](https://www.bhspecialty.com/wp-content/uploads/2024/11/Claims-Excellence-US.pdf). Berkshire Hathaway Specialty Insurance; Claims Service Standards, version US 2024-10-07A in footer/document end; page 2 lines 30–34 describe coverage discussion and third-party settlement communications. Accessed 2026-09-28. 9. [Marine](https://www.bhspecialty.com/us-products/us-marine/). Berkshire Hathaway Specialty Insurance; Inland and ocean marine product list, covered property classes and target businesses; lines 18-69. Accessed 2026-09-28. 10. [Ocean Marine Cargo Overview](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf). Berkshire Hathaway Specialty Insurance; Two-page U.S. marketing PDF marked US-12/22-A; product types lines 14-20; ocean marine cargo appetite, capacity and placement lines 43-57; out-of-appetite and target risk characteristics lines 58-72; terms disclaimer lines 103-114. Accessed 2026-09-28. 11. [Property](https://www.bhspecialty.com/us-products/us-property/). Berkshire Hathaway Specialty Insurance; All-risk, single-peril, catastrophe, inland/ocean marine and builder's risk offerings; target account descriptions. Accessed 2026-09-28. 12. [General Property Appetite Guide](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf). Berkshire Hathaway Specialty Insurance; Page 1: minimum premium, product/forms, territory, attachment and working capacity; page 2 footer identifies 2026-02-10 A; lines 0-9, 89-99. Accessed 2026-09-28. 13. [Executive First Directors & Officers Liability Insurance](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/do-liability-insurance/). Berkshire Hathaway Specialty Insurance; Product Highlights: government investigations, shareholder derivative actions, late-notice qualification, defense counsel selection; Top Targets: large commercial and financial firms, lines 6–19. Accessed 2026-09-28. 14. [Executive First Private Company Portfolio](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/). Berkshire Hathaway Specialty Insurance; Product Highlights: D&O, EPL, Fiduciary, Commercial Crime and Employed Lawyers in one comprehensive form; shared or separate limits to $50m; EPL First services. Top Targets: private companies at $10m+ revenues and listed industries, lines 11–25. Portfolio limit is not a separate line limit. Accessed 2026-09-28. 15. [Casualty Appetite Guide - U.S.](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf) Berkshire Hathaway Specialty Insurance; Casualty appetite PDF page 1: $50K minimum premium, GL/products/lead umbrella/excess lines, selected $10M excess capacity, placement forms and target/avoided classes; guide dated 2026-07-15. Accessed 2026-09-28. 16. [Casualty](https://www.bhspecialty.com/us-products/us-casualty/). Berkshire Hathaway Specialty Insurance; US casualty product lines and features: Primary General Liability lines 10-34; Primary Products/Completed Operations Liability 35-44; Lead Umbrella and Excess Casualty 46-63. Accessed 2026-09-28. 17. [Professional First Professional Liability](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/). Berkshire Hathaway Specialty Insurance; U.S. Professional Liability landing page links Professional Liability / Network Security & Privacy, stand-alone Network Security & Privacy, and Architects, Engineers and Consultants PL, lines 6–15; footer copyright © 2026. Accessed 2026-09-28. 18. [Professional First Professional Liability Overview](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf). Berkshire Hathaway Specialty Insurance; PDF pp.1–2: claims group and reporting; primary blended E&O/Cyber and stand-alone Cyber forms; line capacity statement; named Lawyers PL, Technology E&O, Miscellaneous PL, Media Liability, Network Security & Privacy; named technology-services target types and selection categories; dated 2026-06-03-A. Group capacity not a line policy limit. Source version: 2026-06-03-A. Accessed 2026-09-28. 19. [Professional First Architects, Engineers and Consultants Professional Liability](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/professional-firsttm-architects-engineers-and-consultants-professional-liability/). Berkshire Hathaway Specialty Insurance; Product Highlights: professional/pollution liability; media, technology and cyber/network security/privacy liability; direct breach/extortion expenses; risk services; primary/excess and project-specific product availability; target professions, lines 6–29. Its combined-form technology feature is not itself a standalone Tech E&O statement. Accessed 2026-09-28. 20. [Transactional Liability](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/transactional-liability/). Berkshire Hathaway Specialty Insurance; Product Highlights list R&W, tax, contingent-liability and class-action-settlement insurance; Top Targets list manufacturing, financial institutions, technology, real estate, energy, healthcare and retail, lines 6–27. The target list is for the transactional-liability portfolio, not exclusive R&W eligibility. Accessed 2026-09-28. 21. [Transactional Liability Overview](https://www.bhspecialty.com/wp-content/uploads/marketing/Transactional-Liability-Overview-US.pdf). Berkshire Hathaway Specialty Insurance; PDF pp.1–2: R&W, tax, contingent-liability, and class-action-settlement products; portfolio-wide primary/excess and up-to-$25m capacity; premiums/retentions vary by transaction/risk; portfolio appetite and in-house claims group; R&W buyer-use descriptions; dated 2025-05-16-A. Product-specific limits and final terms not stated. Source version: 2025-05-16-A. Accessed 2026-09-28. 22. [Builder’s Risk](https://www.bhspecialty.com/us-products/us-builders-risk/). Berkshire Hathaway Specialty Insurance; Current U.S. page: all-risk, hot testing/commissioning, delay/startup/soft costs, single-peril/DIC primary/excess; separate EAR and CAR target categories; Master Builder’s Risk selectively considered, lines 6–35. Reopened 2026-09-28. Accessed 2026-09-28. 23. [Professional First Network Security & Privacy Policy](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/). Berkshire Hathaway Specialty Insurance; Product Highlights: third-party breach exposures, regulatory investigations/fines/penalties, direct breach/extortion expenses, electronic-content media liability, business interruption from network-security failure, eRiskHub; Top Targets: professional-services firms, lines 6–19. Accessed 2026-09-28. 24. [Surety](https://www.bhspecialty.com/us-products/us-surety/). Berkshire Hathaway Specialty Insurance; Product Highlights name performance, payment, advance-payment, maintenance, supply and warranty bonds; Top Targets name regional/national/global contractors and construction suppliers/services; PPP/project-delivery capability; lines 6–32. Accessed 2026-09-28. ### [Relm Insurance Official Website](https://relminsurance.com/) 25. [Artificial Intelligence Insurance](https://relminsurance.com/industry/artificial-intelligence-insurance/). Relm Insurance; Introduction; Artificial Intelligence Insurance Risks; footer. Accessed 2026-09-16. 26. [Legal Information](https://relminsurance.com/legal-information/). Relm Insurance; Bermuda License; US Licenses, California row; footer jurisdiction restriction. Accessed 2026-09-16. 27. [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/). Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16. 28. [Lines of Business](https://relminsurance.com/lines-of-business/). Relm Insurance; Financial Lines through Specialty Lines; individual offering lists. Accessed 2026-09-16. 29. [Tailored Industry Insurance Products](https://relminsurance.com/insurance-products/). Relm Insurance; Artificial Intelligence; Digital Asset & Web3; Fintech; Space. Accessed 2026-09-16. 30. [Relm Launches AI Liability Solutions](https://relminsurance.com/relm-insurance-launches-ai-suite/). Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16. 31. [Relm’s NOVAAI Solution: Insurance for AI Platforms and Developers](https://relminsurance.com/relms-novaai-solution-insurance-for-ai-platforms-and-developers/). Relm Insurance; Introduction; Understanding the New AI Liability Risks for AI Developers. Accessed 2026-09-16. 32. [Relm’s PONTAAI Solution: AI Insurance Coverage Beyond Existing Liability Programs](https://relminsurance.com/relms-pontaai-solution-ai-insurance-coverage-beyond-existing-liability-programs/). Relm Insurance; Opening product definition; Specific Shortcomings; Key features. Accessed 2026-09-16. 33. [Relm’s RESCAAI Solution: Innovative Insurance for AI-Exposed Operations](https://relminsurance.com/rescaai-solution-innovative-insurance-for-ai-exposed-operations/). Relm Insurance; RESCAAI: Insurance Coverage Designed for Operational Risks; four coverage areas. Accessed 2026-09-16. 34. [Relm Announces Fronting Partnership with Trisura Specialty Insurance Company](https://relminsurance.com/relm-insurance-announces-fronting-partnership-with-trisura-specialty-insurance-company/). Relm Insurance; Title; opening fronting-agreement paragraph; About Trisura Group. Accessed 2026-09-16. 35. [Contact](https://relminsurance.com/contact/). Relm Insurance; Get in Touch form; footer broker and coverage restrictions. Accessed 2026-09-16. 36. [Claims](https://relminsurance.com/claims/). Relm Insurance; Experienced Claims Team; Accessible; illustrative claims scenarios. Accessed 2026-09-16. 37. [Terms & Conditions](https://relminsurance.com/terms-and-conditions/). Relm Insurance; Website terms; Contact Details: General Inquiries, Claims, Global Claims Response, US Claims Response, Complaints. Accessed 2026-09-16. 38. [Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Executives](https://relminsurance.com/relm-launches-kidnap-and-ransom-insurance-for-digital-asset-and-cannabis-execs-amid-surge-in-physical-threats/). Relm Insurance; Opening product announcement; Comprehensive Protection with Immediate Response. Accessed 2026-09-16. Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://thegeneralaverage.com/editorial-policy). To suggest a correction, [email The General Average](mailto:thegeneralaverage@spot.insure) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-relm.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://thegeneralaverage.com/llms.txt)