Alliance Risk vs 
Berkshire Hathaway Specialty Insurance: How Do They Compare for General Liability 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. 5,6,7,8
What Is General Liability Insurance?
General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. 11,12,13
Key Differences in General Liability Insurance
Broker-arranged scope versus primary-form features
Alliance Risk describes general liability as protection for third-party bodily injury, property damage, and personal or advertising injury, while noting exclusions such as employee injuries and professional errors. Berkshire Hathaway Specialty Insurance markets primary general liability with contractor broad-form coverage and gradual-pollution features. For a buyer, Alliance Risk’s overview helps frame common claim types and exclusions; BHSI’s page points to features to request in a primary policy form. 4 10
Buyer profile and underwriting threshold
Alliance Risk names contractors, retailers, hospitality businesses, consultants and manufacturers among likely buyers, while BHSI’s casualty guide lists commercial real estate, retail, financial institutions, construction and energy. BHSI also publishes a $50,000 minimum premium per policy. That threshold may quickly determine whether a smaller account is worth pursuing with BHSI; Alliance Risk’s page instead describes a broad broker audience and does not publish a premium floor. 4 9
What to Confirm in General Liability Insurance Quotes
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: General Liability Insurance: documented features by provider
| Criteria | Alliance Risk General Liability Insurance | Primary general liability |
|---|---|---|
| Role in This Line | Alliance Risk arranges general liability (also called commercial general liability, or CGL) coverage as a broker rather than issuing the policy itself. 4Company-reported. General liability product page; the page describes the coverage generically and does not name Alliance Risk's specific placement process for this line. | Confirm in your quote. |
| Issuing Insurer | The reviewed general liability page does not name the insurer that would issue a policy for a given buyer. 4Not publicly disclosed. General liability product page as read on 2026-09-23. | Confirm in your quote. |
| Who It’s For | Alliance Risk targets general liability at businesses that operate a physical location open to the public, interact with clients or customers face-to-face, work on client property, advertise, or sell products or services, naming contractors and construction, retail and e-commerce, hospitality and food service, consulting, and manufacturing and distribution as common buyers. 4Company-reported. General liability product page; eligibility for a particular company depends on underwriting. | The casualty guide lists primary GL forms and identifies commercial real estate, retail/grocery, financial institutions, construction and energy as target classes. 9Company-reported. US casualty appetite guide dated 2026-07-15. Material limitation: Guide includes classes to avoid and $50,000 minimum policy premium; acceptance is underwritten. |
| Coverage Features | Alliance Risk lists bodily injury, property damage, and personal and advertising injury (libel, slander, copyright infringement, false advertising) as typically covered, and says employee injuries, professional errors, auto accidents, intentional acts, and damage to the policyholder's own property are excluded and belong to other lines such as workers' compensation, professional liability, commercial auto, or commercial property. 4Company-reported. General liability product page; coverage and exclusions described in general terms, subject to the policy as issued. | BHSI markets primary general liability, with contractor broad-form coverage, gradual-pollution features and flexible limits in its product overview. 10Company-reported. BHSI US specialty commercial primary GL. Material limitation: These are overview features, not universal policy grants; forms and endorsements vary. |
| Limits and Retentions | The reviewed general liability page gives cost ranges (for example, small businesses around $500 annually up to larger enterprises near $25,000 a month) but does not publish specific coverage limits, retentions or deductible amounts for general liability. 4Not found in reviewed sources. General liability product page as read on 2026-09-23; cost figures are illustrative premium estimates, not published limits. | BHSI’s casualty appetite guide sets a $50,000 minimum premium per policy and lists primary GL as an eligible line. 9Company-reported. Selected US casualty accounts under guide dated 2026-07-15. Material limitation: Minimum premium is appetite guidance, not a quoted price or guaranteed minimum for all products. |
| Risk Services | The reviewed general liability page does not describe a dedicated risk-control service, specialist team or claims-advocacy offering for this line beyond generic risk-management tips such as maintaining a safe work environment and using clear client contracts. 4Not found in reviewed sources. General liability product page as read on 2026-09-23. | Confirm in your quote. |
| How to Apply | The general liability page's only application route is a generic 'Get a quote' request; it does not list the specific submission information Alliance Risk asks for on this line, unlike its D&O, EPLI and fiduciary product pages. 4Not found in reviewed sources. General liability product page as read on 2026-09-23. | Confirm in your quote. |
| Claims Support | The reviewed general liability page does not describe an Alliance Risk claims-handling or claims-advocacy process for this line. 4Not found in reviewed sources. General liability product page as read on 2026-09-23. | Confirm in your quote. |
Full Comparison
More Alliance Risk vs Berkshire Hathaway Specialty Insurance Comparisons
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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.
- General Liability Insurance. Alliance Risk; What is General Liability Insurance?; Who Needs General Liability Insurance?; What Does General Liability Insurance Cover?; What Doesn't General Liability Insurance Cover?; How Much Does General Liability Insurance Cost?; Risk Management Tips. 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.
- Casualty Appetite Guide - U.S. 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.
- 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.
General Liability Insurance Guide
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
- Commercial General Liability Coverage Form. ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16.
