--- title: "Alliance Risk vs Berkshire Hathaway Specialty Insurance: Cyber Insurance" description: "Alliance Risk describes first- and third-party cyber protection with response planning; Berkshire Hathaway Specialty Insurance lists network-security loss costs and both standalone and blended products." canonical: "https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/cyber" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "alliance-risk-vs-berkshire-hathaway-specialty-insurance" provider-a: "alliance-risk" provider-b: "berkshire-hathaway-specialty-insurance" coverage-line: "cyber" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot 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://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/cyber) ## Agent Guide **What this page is:** Focused comparison of Alliance Risk and Berkshire Hathaway Specialty Insurance for Cyber 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 Cyber Insurance questions about Alliance Risk 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:** - Alliance Risk vs Berkshire Hathaway Specialty Insurance for Cyber Insurance: how do they differ? - Which is better for Cyber Insurance, Alliance Risk or Berkshire Hathaway Specialty Insurance? - What does Alliance Risk or Berkshire Hathaway Specialty Insurance publish about Cyber Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Cyber Insurance from Alliance Risk or Berkshire Hathaway Specialty Insurance? **Key facts:** - Line: Cyber Insurance. Providers: Alliance Risk 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:** - [Alliance Risk vs Berkshire Hathaway Specialty Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance) — parent: all coverage lines for this pair - [Cyber Insurance guide](https://spot.insure/coverage/cyber) — coverage explainer for this line - [Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk) — provider profile (evidence) - [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) — provider profile (evidence) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Crime Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/crime) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance D&O Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/employment-practices) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/fiduciary) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/general-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/inland-marine) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Media Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/media) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/product-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Alliance Risk Cyber Insurance](https://spot.insure/compare/aig-vs-alliance-risk/cyber) — 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) - [Alliance Risk vs Amelia Risk Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/cyber) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Aon Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-aon/cyber) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs At-Bay Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-at-bay/cyber) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs The Baldwin Group Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/cyber) — sibling comparison (other line, or other pair for this line) # Alliance Risk vs Berkshire Hathaway Specialty Insurance: How Do They Compare for Cyber Insurance? Alliance Risk describes first- and third-party cyber protection with response planning; Berkshire Hathaway Specialty Insurance lists network-security loss costs and both standalone and blended products. ## Research Scope and Use Use this comparison to evaluate Alliance Risk and Berkshire Hathaway Specialty Insurance for Cyber 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 Alliance Risk describes first- and third-party cyber protection with response planning; Berkshire Hathaway Specialty Insurance lists network-security loss costs and both standalone and blended products. [4](https://joinalliancerisk.com/cyber-liability-insurance/ "Cyber Liability Insurance: Costs, Limits & What You'll Pay") [10](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/ "Professional First Network Security & Privacy Policy") ## 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](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") [2](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") [3](https://joinalliancerisk.com/get-a-quote/ "Get a Quote") [Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk) ## 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](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [7](https://www.bhspecialty.com/about-us/ "About Us") [8](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") [9](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 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](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance") [13](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf "CyberEdge specimen policy") ## 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](https://joinalliancerisk.com/cyber-liability-insurance/ "Cyber Liability Insurance: Costs, Limits & What You'll Pay") [10](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/ "Professional First Network Security & Privacy Policy") ### 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](https://joinalliancerisk.com/cyber-liability-insurance/ "Cyber Liability Insurance: Costs, Limits & What You'll Pay") [10](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/ "Professional First Network Security & Privacy Policy") ## 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. ## Offering Details | 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](https://joinalliancerisk.com/cyber-liability-insurance/ "Cyber Liability Insurance: Costs, Limits & What You'll Pay") [5](https://joinalliancerisk.com/coverages/ "Alliance Products") (Evidence: Company-reported; scope: 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](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/ "Professional First Network Security & Privacy Policy") [11](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") (Evidence: Company-reported; scope: 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. [4](https://joinalliancerisk.com/cyber-liability-insurance/ "Cyber Liability Insurance: Costs, Limits & What You'll Pay") (Evidence: Not publicly disclosed; scope: 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](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/ "Professional First Network Security & Privacy Policy") [11](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") (Evidence: Company-reported; scope: 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). [4](https://joinalliancerisk.com/cyber-liability-insurance/ "Cyber Liability Insurance: Costs, Limits & What You'll Pay") (Evidence: Company-reported; scope: 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. [4](https://joinalliancerisk.com/cyber-liability-insurance/ "Cyber Liability Insurance: Costs, Limits & What You'll Pay") (Evidence: Company-reported; scope: 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. [10](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/ "Professional First Network Security & Privacy Policy") (Evidence: Company-reported; scope: 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. [4](https://joinalliancerisk.com/cyber-liability-insurance/ "Cyber Liability Insurance: Costs, Limits & What You'll Pay") (Evidence: Company-reported; scope: 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. [4](https://joinalliancerisk.com/cyber-liability-insurance/ "Cyber Liability Insurance: Costs, Limits & What You'll Pay") (Evidence: Company-reported; scope: 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. [4](https://joinalliancerisk.com/cyber-liability-insurance/ "Cyber Liability Insurance: Costs, Limits & What You'll Pay") (Evidence: Company-reported; scope: Cyber product page, The Alliance Risk Difference section..) | BHSI lists eRiskHub as a resource with its Network Security & Privacy product. [10](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/ "Professional First Network Security & Privacy Policy") (Evidence: Company-reported; scope: 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. [4](https://joinalliancerisk.com/cyber-liability-insurance/ "Cyber Liability Insurance: Costs, Limits & What You'll Pay") (Evidence: Company-reported; scope: Cyber product page quote and consultation calls to action..) | Confirm in your quote. | ## Full Comparison - [Alliance Risk vs Berkshire Hathaway Specialty Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance): all coverage lines, business roles, service and claims. - [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks. - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Crime Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/crime) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance D&O Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/directors-officers) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/employment-practices) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/fiduciary) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/general-liability) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/inland-marine) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Media Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/media) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/product-liability) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/professional-errors-omissions) - [AIG vs Alliance Risk Cyber Insurance](https://spot.insure/compare/aig-vs-alliance-risk/cyber) - [AIG vs Berkshire Hathaway Specialty Insurance Cyber Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/cyber) - [Alliance Risk vs Amelia Risk Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/cyber) - [Alliance Risk vs Aon Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-aon/cyber) - [Alliance Risk vs At-Bay Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-at-bay/cyber) - [Alliance Risk vs The Baldwin Group Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/cyber) ## Sources ### Alliance Risk 1. [Technology Insurance](https://joinalliancerisk.com/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. 2. [Tech E&O Insurance](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/). Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16. 3. [Get a Quote](https://joinalliancerisk.com/get-a-quote/). Alliance Risk; Request form; Prefer to Call?; Why Alliance Risk? section. Accessed 2026-09-16. 4. [Cyber Liability Insurance: Costs, Limits & What You'll Pay](https://joinalliancerisk.com/cyber-liability-insurance/). 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. 5. [Alliance Products](https://joinalliancerisk.com/coverages/). 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 6. [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. 7. [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. 8. [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. 9. [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. 10. [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, 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. 11. [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: 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 12. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/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. 13. [CyberEdge specimen policy](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf). 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. 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. ## Alliance Risk Reviews Review Score: not enough ratings. 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. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/alliance-risk/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 - [Markdown page](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/cyber.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://spot.insure/llms.txt)