Alliance Risk vs 
Berkshire Hathaway Specialty Insurance: How Do They Compare for Inland Marine 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
What Is Inland Marine Insurance?
If your business moves equipment between sites or ships goods, inland marine can cover those property exposures; installation and other forms address different property categories. Match the quote to what you own, rent or hold for others. 11,12
Key Differences in Inland Marine Insurance
Broker placement and covered property examples
Alliance Risk arranges inland-marine placements through a brokerage and describes tools and equipment in trucks, installations before delivery, fine art in transit, jobsite equipment and off-premises storage. Berkshire Hathaway Specialty Insurance’s catalog lists inland transit, motor-truck cargo, warehouse legal liability, contractor equipment and installation risks. The buyer should identify which property and movement exposures matter, then ask each placement about the actual carrier form and scheduled items. 4 4 10
Applicant classes and insurer identity
Alliance Risk names contractors, logistics firms, retailers, importers, museums and jewelers among common marine buyers but does not name an issuing insurer in the reviewed claim. BHSI identifies developers, contractors, logistics, transportation, oil and gas, utilities and warehousemen as inland-marine targets. Buyers can use both class lists to frame a submission, but should ask Alliance Risk which insurer would issue coverage and verify specific eligibility with BHSI. 4 10
What to Confirm in Inland Marine 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
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
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: Inland Marine Insurance: documented features by provider
| Criteria | Alliance Risk Inland & Ocean Marine Insurance | Commercial Inland Marine products including inland transit, motor-truck cargo, warehouse legal liability, contractor equipment and floaters; separately cataloged from Ocean Marine cargo and stock throughput. |
|---|---|---|
| Role in This Line | Alliance Risk arranges inland and ocean marine placements as a brokerage; the product page describes the two coverages it places rather than an Alliance-issued policy, and does not name an issuing insurer. 4,5Company-reported. Inland & ocean marine product page and the general brokerage disclosure on the coverage catalogue page. | Confirm in your quote. |
| Who It’s For | Alliance Risk lists contractors with mobile equipment, logistics and shipping companies, retailers and wholesalers shipping goods, import/export businesses, and museums, art dealers and jewelers as common inland and ocean marine buyers. 4Company-reported. Inland & ocean marine product page, Who Needs Inland & Ocean Marine Insurance? section. | For Inland Marine, BHSI lists developers, general contractors, logistics, transportation, oil and gas, utilities, and warehousemen as top targets. 10Company-reported. BHSI U.S. Inland Marine target-account list only. Material limitation: Target examples do not guarantee eligibility; do not substitute the separate Ocean Marine customer list or combine the products/forms. |
| Coverage Features | Alliance Risk describes Inland Marine coverage for tools and equipment in trucks, installations before delivery, fine arts and specialty items in transit, contractor's equipment on job sites, and off-premises storage. 4Company-reported. Inland & ocean marine product page, What Does Inland Marine Insurance Cover? section. Alliance Risk separately describes Ocean Marine coverage for cargo shipped internationally by sea, shipping containers, vessels and freight, hull and machinery, and liability for maritime accidents. 4Company-reported. Inland & ocean marine product page, What Does Ocean Marine Insurance Cover? section. Alliance Risk's page says the coverage excludes general wear and tear or damage from poor packaging, losses outside the policy territory unless it is written as global, business income loss unless endorsed, and flood unless specifically included in an ocean marine policy. 4Company-reported. Inland & ocean marine product page, What Doesn't Inland & Ocean Marine Insurance Cover? section. | BHSI's marine catalog includes inland transit, motor-truck cargo, warehouse legal liability, contractor equipment and installation risks. 10Company-reported. US commercial marine and inland-marine products. Material limitation: These are separate scheduled exposures/forms; not all are necessarily available in one policy. BHSI describes additional inland-marine risks such as exhibition property, scheduled articles, small tools and leased equipment. 10Company-reported. Commercial inland marine placements. Material limitation: Eligibility, deductibles, limits and geographic scope depend on the policy. |
| Limits and Retentions | Alliance Risk's page gives illustrative annual premium ranges ($300-$2,500 for small-equipment inland marine, $2,000-$25,000 for ocean marine cargo, $10,000+ for marine hull or liability) but does not publish specific coverage limits, deductibles or per-shipment sublimits. 4Not publicly disclosed. Inland & ocean marine 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.
- Inland & Ocean Marine Insurance. Alliance Risk; What Is Inland & Ocean Marine Insurance?; Who Needs Inland & Ocean Marine Insurance?; What Does Inland Marine Insurance Cover?; What Does Ocean Marine Insurance Cover?; What Doesn't Inland & Ocean Marine Insurance Cover?; How Much Does Inland & Ocean Marine Insurance Cost? 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.
- Marine. Berkshire Hathaway Specialty Insurance; Inland and ocean marine product list, covered property classes and target businesses; lines 18-69. Accessed 2026-09-28.
Inland Marine Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery. Accessed 2026-09-16.
- Inland Marine Policy: Contractors’ Equipment. Markel American Insurance Company / American Association of Insurance Services; hosted by Florida Department of Management Services; PDF p.8 declarations; attached Contractors’ Equipment printed pp.1–13 (PDF pp.18–30); replacement-cost endorsement PDF p.34. Accessed 2026-09-16.
