What Is Berkshire Hathaway Specialty Insurance?

• +Pro:

  BHSI’s U.S. guide names industries including healthcare, energy, and technology across product segments, which can help you screen for a fit discussion. The lists do not promise eligibility. ¹

• +Pro:

  BHSI publishes separate reporting instructions for some named products, so you can check the route for your policy before a loss. ⁷

• –Con: Online quote and application submissions are nonbinding; a contracted National Indemnity group agent must bind coverage. ⁵

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. ⁵Company-reportedThe 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.

Ask which legal company will issue your policy and get written confirmation of the effective date from a contracted group agent. ⁵

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. ^3,4,5Company-reportedCompany-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.

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. ^1,2,5Company-reportedA 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.

The U.S. section occupies zero-based PDF pages 49–53 and ends with version 2026-8-03 A. The preceding Europe section has a different date; it is not the U.S. guide date. The guide’s line list is company marketing, not a list of policies issued by one insurer. ¹

BHSI lists commercial property, including all-risk and selected single-peril options, and a separate U.S. Builder’s Risk product. Its Builder’s Risk page describes project-specific features; it does not establish that a particular project, state or buyer will be accepted. ^11 22

BHSI’s Marine catalogue lists Ocean Cargo, Stock Throughputs and Project Cargo. The older Ocean Marine Cargo guide, marked US-12/22-A, lists Project Cargo as out of appetite. The current catalogue listing and older appetite guide conflict on that product’s current availability; confirm its status for the specific risk. Inland Marine is listed separately and includes different property and transit classes. ^9 10

BHSI lists primary general liability, products and completed-operations liability, and lead umbrella and excess casualty. These are distinct catalogue lines; the cited marketing pages do not supply the terms of a buyer’s policy. ¹⁶

Its Executive First Private Company Portfolio lists D&O, employment-practices, fiduciary, Commercial Crime and Employed Lawyers coverages within one comprehensive form. The page targets private companies with at least $10 million in revenue and describes shared or separate portfolio limits up to $50 million; that is not a line-specific limit or a promise every component is included in every policy. Crime is distinct from fidelity bonds. ¹⁴

Professional First materials name Professional Liability, Technology E&O, Media Liability and Network Security & Privacy. BHSI separately describes a U.S. Network Security & Privacy product, with stand-alone and blended E&O/Cyber forms described in its dated overview. The overview names Technology E&O target classes and separately identifies select classes; the listing does not establish universal eligibility or current account acceptance. ^17 18 23

BHSI also lists U.S. performance, payment, advance-payment, maintenance, supply and warranty bonds. Bond form, principal, obligee and jurisdiction affect the obligation; the catalogue does not establish approval or terms for a proposed bond. ²⁴

The U.S. product pages establish that BHSI markets these lines. They do not establish state availability, the insurer that will issue a particular policy, account acceptance, or the coverage terms for a buyer. Ask for the proposed legal insurer, applicable forms and endorsements, state-specific terms, and written confirmation from the authorized agent. ⁵

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. ¹Company-reportedCompany-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.

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. ¹Company-reportedOnly 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.

For a quote, request the policy form and endorsements that apply to your exposure and state; the line guide is not the contract. ^1 5

For claims outside separate product-specific instructions, BHSI's U.S. claims page lists email, 24-hour toll-free, and postal reporting routes; several products have their own route. ⁷Company-reportedClaims-notice channels published on BHSI's U.S. claims page at review date; policy/product-specific directions govern and the general channels are not universal.

BHSI’s U.S. Claims Service Standards document (version US 2024-10-07A) says coverage issues or reservations are discussed directly with insureds, brokers, and relevant parties, and brokers and policyholders are kept involved during third-party settlement discussions. These are company-stated process standards, not measured claims outcomes. ⁸Company-reportedCompany-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.

The published terms, claims page, and U.S. product directory do not explain how commercial policy renewals are quoted or completed. Ask who handles your renewal and when you will receive terms; this public-information gap does not show that renewal support is unavailable. ^6 5 7