---
title: "AIG vs Berkshire Hathaway Specialty Insurance: Cargo and Transit Insurance"
description: "AIG describes cargo for diverse routes and commodities; Berkshire Hathaway Specialty Insurance publishes marine options, target risks, and a $25 million maximum line subject to risk."
canonical: "https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/cargo-transit"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aig-vs-berkshire-hathaway-specialty-insurance"
provider-a: "aig"
provider-b: "berkshire-hathaway-specialty-insurance"
coverage-line: "cargo-transit"
---

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[Human-readable page](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/cargo-transit)

## Agent Guide

**What this page is:** Focused comparison of AIG and Berkshire Hathaway Specialty Insurance for Cargo and Transit Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Cargo and Transit Insurance questions about AIG versus Berkshire Hathaway Specialty Insurance. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- AIG vs Berkshire Hathaway Specialty Insurance for Cargo and Transit Insurance: how do they differ?
- Which is better for Cargo and Transit Insurance, AIG or Berkshire Hathaway Specialty Insurance?
- What does AIG or Berkshire Hathaway Specialty Insurance publish about Cargo and Transit Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Cargo and Transit Insurance from AIG or Berkshire Hathaway Specialty Insurance?

**Key facts:**
- Line: Cargo and Transit Insurance. Providers: AIG and Berkshire Hathaway Specialty Insurance.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- 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 identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [AIG vs Berkshire Hathaway Specialty Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance) — parent: all coverage lines for this pair
- [Cargo and Transit Insurance guide](https://spot.insure/coverage/cargo-transit) — coverage explainer for this line
- [AIG profile](https://spot.insure/insurance-providers/aig) — provider profile (evidence)
- [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) — provider profile (evidence)
- [AIG vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/builders-risk) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Commercial Property Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Crime Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Cyber Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance D&O Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/employment-practices) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance General Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Inland Marine Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/inland-marine) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Media Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/media) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Product Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/product-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/representations-warranties) — sibling comparison (other line, or other pair for this line)
- [AIG vs Alliance Risk Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-alliance-risk/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [AIG vs Amelia Risk Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-amelia-risk/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [AIG vs Aon Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-aon/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Baldwin Group Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-baldwin/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [AIG vs Chubb Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-chubb/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Berkshire Hathaway Specialty Insurance Cargo and Transit Insurance](https://spot.insure/compare/baldwin-vs-berkshire-hathaway-specialty-insurance/cargo-transit) — sibling comparison (other line, or other pair for this line)

# AIG vs Berkshire Hathaway Specialty Insurance: How Do They Compare for Cargo and Transit Insurance?

AIG describes cargo for diverse routes and commodities; Berkshire Hathaway Specialty Insurance publishes marine options, target risks, and a $25 million maximum line subject to risk.

## Research Scope and Use

Use this comparison to evaluate AIG and Berkshire Hathaway Specialty Insurance for Cargo and Transit Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

AIG lists general, bulk, and project cargo across land, sea, and borders. Berkshire Hathaway Specialty Insurance lists marine and stock-throughput options, with a published maximum line of $25 million subject to risk profile and stated out-of-appetite classes. [3](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/ocean-cargo "Ocean Cargo Insurance") [9](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview")

## What Is AIG?

AIG is the marketing name for American International Group, Inc.; AIG says its insurance products are written or provided by subsidiaries or affiliates. Its U.S. business pages list commercial casualty, property, cyber, management and professional liability, and specialty programs, but a brand-level page does not identify the insurer for a particular policy. [1](https://www.aig.com/investor-relations "Investor Relations") [2](https://www.aig.com/home/risk-solutions/business "Business")

[AIG profile](https://spot.insure/insurance-providers/aig)

## What Is Berkshire Hathaway Specialty Insurance?

BHSI provides commercial and specialty insurance in the U.S., with product-specific industry lists that include healthcare, energy and technology. Online quote and application submissions are nonbinding. [4](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [5](https://www.bhspecialty.com/about-us/ "About Us") [6](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") [7](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/ "Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch")

[Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance)

## What Is Cargo and Transit Insurance?

Cargo coverage fits a shipper protecting goods it owns or a carrier responsible for another party’s goods. The quote needs to match who bears the loss, the shipment route and storage stops. [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://www.trade.gov/shipping-options "Shipping Options") [12](https://www.trade.gov/special-documents "Special Documents") [13](https://www.nationalunity.com/National/MotorTruckCargoLiability.pdf "Motor Truck Cargo Legal Liability Coverage")

## Key Differences in Cargo and Transit Insurance

### Capacity and Risk Appetite

Berkshire Hathaway Specialty Insurance (BHSI) publishes a maximum marine line of $25 million, subject to risk profile, and names target goods such as machinery, food and beverage, bulk liquids, and containerized freight. It lists pharmaceuticals, project cargo, autos, and livestock as outside appetite. AIG names project cargo among its product categories. A project-cargo shipper should resolve that appetite difference before comparing the rest of the terms. [3](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/ocean-cargo "Ocean Cargo Insurance") [9](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview")

### Available Transit Structures

AIG lists general cargo, bulk/break-bulk, project cargo, and possible stock-throughput or logistics structures. BHSI’s cargo overview lists domestic and international transit, excess stock, logistics, and contingent cargo. The labels overlap but do not prove identical protection; ask each underwriter to map loading, storage, and each transit leg to the proposed form. [3](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/ocean-cargo "Ocean Cargo Insurance") [9](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview")

## What to Confirm in Cargo and Transit Insurance Quotes

- Ask BHSI whether the commodity and project type are within appetite and what maximum line applies to the risk. [3](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/ocean-cargo "Ocean Cargo Insurance") [9](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview")
- Ask AIG to identify whether project cargo is available for your shipment and which affiliate would issue it. [3](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/ocean-cargo "Ocean Cargo Insurance") [9](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview")
- Compare the quoted transit stages and storage periods; request the same shipment schedule from both. [3](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/ocean-cargo "Ocean Cargo Insurance") [9](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview")

## Offering Details

| Criteria | AIG Ocean Cargo Insurance | BHSI’s current Ocean Marine catalog lists Ocean Cargo, Stock Throughputs and Project Cargo, separately from Inland Marine; the detailed cargo appetite evidence is an older, date-limited guide. |
| --- | --- | --- |
| Role in This Line | AIG markets Ocean Cargo insurance and related global/captive solutions. The page does not name the issuing subsidiary for a particular buyer’s policy. [3](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/ocean-cargo "Ocean Cargo Insurance") (Evidence: Company-reported; scope: Role in this product is limited to the description on the linked AIG source..) | Confirm in your quote. |
| Who It’s For | AIG names importers, exporters, manufacturers, wholesalers, and distributors with international transit exposures, including containerized general cargo, bulk/break-bulk and project cargo. [3](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/ocean-cargo "Ocean Cargo Insurance") (Evidence: Company-reported; scope: Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability..) | The marine catalog names importers/exporters, freight/logistics operators and manufacturers among its target customers. [8](https://www.bhspecialty.com/us-products/us-marine/ "Marine") (Evidence: Company-reported; scope: BHSI U.S. Ocean Marine target-account list only; not Inland Marine eligibility. Material limitation: Target customer examples do not define every acceptable cargo or shipment..)<br><br>The Ocean Marine Cargo guide describes target risks including manufacturers/distributors of finished goods, machinery and equipment, food and beverage, bulk liquids, containerized goods, and stock with balanced exposure; it lists pharmaceuticals, project cargo, autos, DOL, and livestock as out of appetite. [9](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview") (Evidence: Company-reported; scope: BHSI Ocean Marine Cargo/STP appetite in U.S. marketing material marked US-12/22-A. Material limitation: This is historical appetite guidance, not a policy exclusion list or current acceptance commitment. The current BHSI Marine catalog separately lists Project Cargo as an Ocean Marine product while this 2022 guide lists it out of appetite; current product-specific meaning and appetite must be reconciled with underwriting. It does not establish Inland Marine eligibility..) |
| Coverage Features | AIG describes protection for goods moved across land, sea or international borders and lists general cargo, bulk/break-bulk and project cargo. It also lists stock-throughput, captive/fronting and logistics package structures; those examples do not settle any buyer’s policy scope. [3](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/ocean-cargo "Ocean Cargo Insurance") (Evidence: Company-reported; scope: AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations..) | BHSI's marine program lists ocean cargo, project cargo and stock-throughput coverage. [8](https://www.bhspecialty.com/us-products/us-marine/ "Marine") (Evidence: Company-reported; scope: BHSI U.S. Ocean Marine catalog; not inland transit or proof of the policy territory. Material limitation: Policy territory and transit definitions must be checked; catalog does not itself establish global scope..)<br><br>BHSI’s marine catalog distinguishes ocean marine and inland marine, and separately lists stock-throughput as an option. [8](https://www.bhspecialty.com/us-products/us-marine/ "Marine") (Evidence: Company-reported; scope: US BHSI catalog. Material limitation: Confirm how Spot's shared cargo-transit key maps to these distinctions before coding coverage..)<br><br>BHSI’s Ocean Marine Cargo overview lists stock throughput, ocean/international transit, domestic transit, excess stock, logistics, and contingent cargo coverage as coverage types available. [9](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview") (Evidence: Company-reported; scope: BHSI U.S. Ocean Marine Cargo marketing overview marked US-12/22-A; the current marine catalog independently lists Ocean Cargo and Stock Throughputs under Ocean Marine. Material limitation: Not all types are necessarily combined or available for every insured. Domestic transit wording is not a basis to merge this line with the separately listed Inland Marine catalog. Verify current forms, exclusions, territory and issuer..) |
| Limits and Retentions | The page advertises $50 million transit capacity and $50 million storage/warehouse capacity, with natural-catastrophe sublimits stated as $10 million per occurrence and annual aggregate. These are advertised capacity figures, not an individual quote or policy limit. [3](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/ocean-cargo "Ocean Cargo Insurance") (Evidence: Not publicly disclosed; scope: This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy..) | The BHSI Ocean Marine Cargo guide states up to $25 million maximum line, subject to risk profile, a $15,000 minimum premium, worldwide coverage, and primary or excess positions. [9](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview") (Evidence: Company-reported; scope: U.S. Ocean Marine Cargo/STP marketing guide marked US-12/22-A; $25 million capacity expressly depends on risk profile. Material limitation: The document is dated 2022-12 and says multinational policy ability would follow in 2025; do not treat its worldwide wording or current availability as confirmed. Capacity is not an insured limit, and minimum premium is not a quote. Reconfirm current appetite and issuer..) |
| Risk Services | AIG lists route, conveyance, packaging and security consultations, marine loss-control engineering, and claims support. Its Marine Claims Promise is conditional on confirmed coverage and applies to specified expense categories and agreed loss estimates. [3](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/ocean-cargo "Ocean Cargo Insurance") (Evidence: Company-reported; scope: The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed..) | Confirm in your quote. |

## Full Comparison

- [AIG vs Berkshire Hathaway Specialty Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance): all coverage lines, business roles, service and claims.
- [What Is Cargo and Transit Insurance?](https://spot.insure/coverage/cargo-transit): Cargo coverage protects your financial interest in goods during transit; ownership, route, storage and late-delivery terms shape what the policy addresses.
- [AIG vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/builders-risk)
- [AIG vs Berkshire Hathaway Specialty Insurance Commercial Property Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/commercial-property)
- [AIG vs Berkshire Hathaway Specialty Insurance Crime Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/crime)
- [AIG vs Berkshire Hathaway Specialty Insurance Cyber Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/cyber)
- [AIG vs Berkshire Hathaway Specialty Insurance D&O Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/directors-officers)
- [AIG vs Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/employment-practices)
- [AIG vs Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/fiduciary)
- [AIG vs Berkshire Hathaway Specialty Insurance General Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/general-liability)
- [AIG vs Berkshire Hathaway Specialty Insurance Inland Marine Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/inland-marine)
- [AIG vs Berkshire Hathaway Specialty Insurance Media Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/media)
- [AIG vs Berkshire Hathaway Specialty Insurance Product Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/product-liability)
- [AIG vs Berkshire Hathaway Specialty Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/professional-errors-omissions)
- [AIG vs Berkshire Hathaway Specialty Insurance Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/representations-warranties)
- [AIG vs Alliance Risk Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-alliance-risk/cargo-transit)
- [AIG vs Amelia Risk Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-amelia-risk/cargo-transit)
- [AIG vs Aon Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-aon/cargo-transit)
- [AIG vs The Baldwin Group Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-baldwin/cargo-transit)
- [AIG vs Chubb Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-chubb/cargo-transit)
- [The Baldwin Group vs Berkshire Hathaway Specialty Insurance Cargo and Transit Insurance](https://spot.insure/compare/baldwin-vs-berkshire-hathaway-specialty-insurance/cargo-transit)

## Sources

### AIG

1. [Investor Relations](https://www.aig.com/investor-relations). American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
2. [Business](https://www.aig.com/home/risk-solutions/business). AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
3. [Ocean Cargo Insurance](https://www.aig.com/home/risk-solutions/business/specialty-risks/marine/ocean-cargo). AIG; Official AIG Ocean Cargo page, lines 242–285: target classes, cargo types, program structures, stated capacity, route consultation, claims promise and policy caveat.. Accessed 2026-09-30.

### Berkshire Hathaway Specialty Insurance

4. [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.
5. [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.
6. [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.
7. [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.
8. [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.
9. [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.

### Cargo and Transit Insurance Guide

10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
11. [Shipping Options](https://www.trade.gov/shipping-options). International Trade Administration, U.S. Department of Commerce; Export Shipping Basics; Tips on International Shipping from U.S.; Working with Freight Forwarders. Accessed 2026-09-16.
12. [Special Documents](https://www.trade.gov/special-documents). International Trade Administration, U.S. Department of Commerce; Insurance Certificate bullet. Accessed 2026-09-16.
13. [Motor Truck Cargo Legal Liability Coverage](https://www.nationalunity.com/National/MotorTruckCargoLiability.pdf). American Association of Insurance Services, Inc.; hosted by National Unity; Coverage and Property Covered pp.1–2; Perils Excluded pp.6–7; Valuation p.8; How Much We Pay p.9; Transit definition p.13. Accessed 2026-09-16.

Updated 2026-09-30. 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://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## AIG Reviews

Review Score: 4.4 / 10 from 2 rated sources, equally weighted.

Customer ratings for AIG are low: Trustpilot shows 1.9 out of 5 from 252 reviews, and NerdWallet gives 2.5 stars and notes more claims complaints than expected. These pages cover many AIG products and countries, so they only loosely describe business insurance.

- NerdWallet: NerdWallet editorial rating 2.5 (stars). NerdWallet’s editorial business-insurance comparison; the AIG entry concerns commercial liability and property insurance, not a quantified policyholder-review sample. The page’s complaint statement and 2.5-star editorial rating are source-specific and must not be recast as a consumer average. Checked 2026-09-29. [Business Insurance: Get Quotes and Coverage Today](https://www.nerdwallet.com/business/insurance/best)
- Trustpilot: Trustpilot TrustScore 1.9 (out of 5); 252 reviews. Consumer reviews on aig.com’s Trustpilot profile span products and countries, including personal, travel, device/service and other experiences; they do not isolate U.S. commercial-P&C policyholders or a single issuing insurer. Checked 2026-09-29. [AIG Reviews](https://www.trustpilot.com/review/aig.com)
- ConsumerAffairs: ConsumerAffairs average 1.0 (out of 5); 274 reviews. ConsumerAffairs page titled AIG Life Insurance Reviews, updated 2026-08-14. The page mixes life and high-net-worth home references and reviewers may describe other AIG relationships; it is not a commercial-P&C-only population. Checked 2026-09-29. [AIG Life Insurance Reviews](https://www.consumeraffairs.com/insurance/aig_life.html)
- BBB: Complaints shown, prior 3 years 270. BBB’s American International Group, Inc. headquarters profile and corporate-owned locations (86 listed locations); complaint data is not limited to commercial insurance or a particular risk-bearing insurer. BBB says displayed complaint text may not represent every complaint. Period: Three years ending as displayed 2026-09-29. Checked 2026-09-29. [American International Group, Inc. (AIG) BBB Complaints](https://www.bbb.org/us/ny/new-york/profile/insurance-companies/american-international-group-inc-aig-0121-1515/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/aig/reviews).

## Berkshire Hathaway Specialty Insurance Reviews

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://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/reviews).

## Agent and Developer Resources

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