Alliance Risk vs 
Berkshire Hathaway Specialty Insurance: How Do They Compare for Cyber Insurance?
What Is Alliance Risk?
Alliance Risk suits tech startups from pre-seed through IPO that want a broker to review their tech E&O policy for free and shop specialist insurers; if you want to buy online in minutes, use a digital insurer. Quotes take 24 hours to ten business days, depending on your risk. 1,2,3
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. 6,7,8,9
Read the Berkshire Hathaway Specialty Insurance profile
Read the Berkshire Hathaway Specialty Insurance Cyber Insurance page
What Is Cyber Insurance?
Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. 12,13
Key Differences in Cyber Insurance
Form, Coverage, and Limits
Alliance Risk’s program combines first-party recovery, notification, business interruption, extortion, and forensic costs with third-party defense, settlements, regulatory fines, and media liability. Berkshire Hathaway Specialty Insurance markets third-party breach exposures, direct response and extortion expenses, and network-failure interruption. The wider Alliance menu should prompt a buyer to compare each insuring agreement against the proposed BHSI form rather than rely on the cyber label. 4 10
Services, Eligibility, and Buying Route
Alliance Risk includes dedicated pre-breach response planning and says programs often bundle scans, training, and phishing simulations. Berkshire Hathaway Specialty Insurance lists eRiskHub with its Network Security & Privacy product. These are different support descriptions: ask whether each service comes with the policy, who operates it, and which costs remain subject to a sublimit or outside coverage. 4 10
What to Confirm in Cyber Insurance Quotes
- Ask Alliance Risk whether regulatory fines are covered in your jurisdiction and what incident-response vendors are designated.
- Ask Berkshire Hathaway Specialty Insurance how network interruption, response expenses, and eRiskHub access appear in the actual quote.
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Alliance Risk
Review Score
No reviews found
Alliance Risk has no customer ratings on the review sites we checked, so there's no Review Score yet. That says nothing bad about the company; it means you'll need to ask for references.[1][4][6]
Read Alliance Risk reviewsBerkshire Hathaway Specialty Insurance
Review Score
No reviews found
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.[5][7]
Read Berkshire Hathaway Specialty Insurance reviewsOffering Details
Alliance Risk vs Berkshire Hathaway Specialty Insurance: Cyber Insurance: documented features by provider
| Criteria | Alliance Risk Cyber Liability Insurance | Professional First Network Security & Privacy |
|---|---|---|
| Role in This Line | Alliance Risk designs cyber programs backed by breach response planning, forensic support and advisory, as a brokerage that arranges placement rather than underwriting the policy itself. 4,5Company-reported. Cyber product page, opening section, and the general brokerage disclosure on the coverage catalogue page. | BHSI describes both a stand-alone Network Security & Privacy policy and blended E&O/Cyber forms in Professional First. 10,11Company-reported. Form selection depends on the risk and proposal; the overview does not establish issuance for an individual applicant. |
| Issuing Insurer | The cyber page does not name the insurer that would issue an Alliance Risk-placed cyber policy. It separately lists carriers active in the broader cyber market, including Chubb, AIG, Coalition, Hiscox and others, as general market education rather than as Alliance's own carrier panel. 4Not publicly disclosed. Cyber product page, Choosing Cyber Insurance Carriers and Brokers section, as read on 2026-09-23. | Confirm in your quote. |
| Who It’s For | Confirm in your quote. | The Network Security & Privacy page names professional-services firms among its targets; the overview separately lists technology, telecom and financial-sector customers in targeted or selective categories. 10,11Company-reported. The overview’s class lists have different appetite labels; neither is a blanket eligibility rule. |
| Coverage Features | Alliance Risk's cyber offering combines first-party coverage (data recovery, business interruption, breach notification, credit monitoring, forensic investigation, crisis management and cyber extortion or ransomware payments) with third-party coverage (legal defense, settlements and judgments, regulatory fines and penalties, PCI-DSS assessments, and media liability). 4Company-reported. Cyber product page, First-Party vs. Third-Party Cyber Coverage section; actual policy structure depends on the carrier and the policy as issued. Alliance Risk says its cyber programs include coverage for legal expenses and fines imposed by data protection authorities such as the FTC, HIPAA enforcers or GDPR enforcers. 4Company-reported. Cyber product page, The Alliance Risk Difference section. | BHSI markets third-party breach exposures, direct breach-response and extortion expenses, and business interruption from a network-security failure. 10Company-reported. The product page is a coverage summary; conditions, sublimits and exclusions require the policy and endorsements. |
| Limits and Retentions | Alliance Risk's cyber page says most small businesses buy $1 million per-occurrence and $1 million aggregate limits with roughly $2,500 deductibles, and it publishes a recommended-limit table by business profile, ranging from $500,000-$1 million for sole proprietors to $5 million or more for healthcare and finance companies. These are general guidance, not a quoted limit for a specific business. 4Company-reported. Cyber product page, How Much Cyber Insurance Do You Need? section. | Confirm in your quote. |
| Risk Services | Alliance Risk says it provides dedicated incident response planning ahead of a breach, with designated forensic, legal and notification vendors on standby, along with data exposure and network vulnerability analysis. 4Company-reported. Cyber product page, Our Approach to Cyber Liability and The Alliance Risk Difference sections. Alliance Risk says its cyber programs often come bundled with proactive security services from cybersecurity vendors, such as vulnerability scans, employee security training and phishing simulations. 4Company-reported. Cyber product page, The Alliance Risk Difference section. | BHSI lists eRiskHub as a resource with its Network Security & Privacy product. 10Company-reported. The product-page listing does not define the resource’s service scope or confirm availability on an individual policy. |
| How to Apply | You request a cyber quote or book a risk assessment with an Alliance Risk advisor through the calls to action on the cyber product page; the page does not list specific underwriting information required for a cyber submission. 4Company-reported. Cyber product page quote and consultation calls to action. | Confirm in your quote. |
Full Comparison
More Alliance Risk vs Berkshire Hathaway Specialty Insurance Comparisons
Other Cyber Insurance Comparisons
Sources
Alliance Risk
- Technology Insurance. Alliance Risk; What is Technology Insurance?; Types of Technology; Types of Coverage; startup placement introduction; quote documents and process. Accessed 2026-09-16.
- Tech E&O Insurance. Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16.
- Get a Quote. Alliance Risk; Request form; Prefer to Call?; Why Alliance Risk? section. Accessed 2026-09-16.
- Cyber Liability Insurance: Costs, Limits & What You'll Pay. Alliance Risk; Cyber Liability Insurance That Moves at the Speed of Risk; Our Approach to Cyber Liability; The Alliance Risk Difference; What Cyber Insurance Covers; How Much Cyber Insurance Do You Need?; First-Party vs. Third-Party Cyber Coverage; Choosing Cyber Insurance Carriers and Brokers. Accessed 2026-09-23.
- Alliance Products. Alliance Risk; Footer brokerage disclosure: "Alliance Risk is an insurance brokerage focused on providing clients with commercial insurance across a wide array of industries.". Accessed 2026-09-23.
Berkshire Hathaway Specialty Insurance
- At A Glance. 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.
- 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.
- Terms of Service. 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.
- Public Disclosure — 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.
- Professional First Network Security & Privacy Policy. Berkshire Hathaway Specialty Insurance; Product Highlights, lines 6–19: third-party breach exposures, regulatory investigations, direct response/extortion expense, electronic-content media liability and network-security business interruption; target professional services. Retained canonical source record accessed 2026-09-28; direct re-open failed in this session. Accessed 2026-09-28.
- Professional First Professional Liability Overview. Berkshire Hathaway Specialty Insurance; PDF pp. 1–2: separately named Professional First Media Liability and Network Security & Privacy; targeted customer categories; in-house claims handling; product portfolio descriptions. Version 2026-06-03-A; re-opened 2026-09-30. Accessed 2026-09-30.
Cyber Insurance Guide
- Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
- CyberEdge specimen policy. AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.
