Alliance Risk vs Berkshire Hathaway Specialty Insurance: How Do They Compare for Tech E&O Insurance?

Alliance Risk lists SaaS, AI, software-development, IT-staffing and MSP businesses as needing Tech E&O; BHSI’s U.S. overview dated 2026-06-03-A names target technology-service classes and separately identifies technology consulting, telecom consulting and MSPs as select customers. ^2,⁸

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

Read the Alliance Risk profile

Read the Alliance Risk Tech E&O Insurance page

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,^5,^6,⁷

Read the Berkshire Hathaway Specialty Insurance profile

Read the Berkshire Hathaway Specialty Insurance Tech E&O Insurance page

What Is Technology Errors and Omissions (E&O) Insurance?

Technology errors and omissions coverage can help pay when a customer claims your software, hosting, installation or technology advice caused financial loss. If you provide tech products or services, check each activity; cyber incidents and unrelated professional work need separate review. ^10,^11,^12,^13,^14,^15,¹⁶

Read the full coverage guide

Key Differences in Tech E&O Insurance

Shared Software and Staffing Audiences

Alliance Risk lists SaaS platforms, software developers, IT staffing firms, IT consultants and managed service providers (MSPs) among businesses that need Tech E&O. BHSI’s U.S. Professional First overview dated 2026-06-03-A identifies software design and development and IT staffing as target customers, and separately identifies technology consulting, telecommunications consulting and MSPs as select customers. The descriptions overlap on software and staffing; consulting/MSP businesses receive a separate select classification in BHSI’s overview. These are marketed class descriptions, not an underwriting decision for a particular applicant. ² ⁸

Quote Preparation and Binding Authority

Alliance Risk’s Tech E&O quote checklist asks for the services offered, annual revenue, employee count, three largest client contracts and indemnification terms, current E&O and cyber coverage, five-year claims history, and client concentration among the top three clients. BHSI’s website terms, reviewed September 28, 2026, say online application or quote submissions are informational and nonbinding; only contracted National Indemnity group agents may bind coverage, issue policies or certificates, or change coverage, and authority varies by state. The terms describe BHSI’s website generally, not a Tech E&O-specific intake process or a requirement that every application begin with an agent. For this purchase, Alliance publishes information to prepare for a quote; with BHSI, confirm how your submission is routed and who has authority to bind in your state. ² BHSI website terms, “Important Information Concerning Use of this Web Site,” paragraphs 2–4

What to Confirm in Tech E&O Insurance Quotes

Give Alliance Risk the services, financial, contract, existing-coverage, claims-history and client-concentration details listed for its Tech E&O quote. ²
For BHSI, confirm how an online submission is routed and who may bind in your state; the website terms are general and do not define every product’s intake process. BHSI website terms, paragraphs 2–4

Alliance Risk and Berkshire Hathaway Specialty Insurance 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

-/ 10

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 reviews

Berkshire Hathaway Specialty Insurance Review Score

-/ 10

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 reviews

Alliance Risk vs Berkshire Hathaway Specialty Insurance Tech E&O Compared

Alliance Risk vs Berkshire Hathaway Specialty Insurance: Tech E&O Insurance: documented features by provider

Criteria	Alliance Risk Tech E&O Insurance	Professional First Technology E&O
Role in This Line	Alliance Risk specializes in placing Tech E&O coverage for technology companies that build, deploy or advise using software, describing itself as a specialist placement partner for this line rather than an underwriter. ²Company-reported. Tech E&O page opening description.	Confirm in your quote.
Issuing Insurer	Alliance Risk's Tech E&O page does not name the carriers it places coverage with; it says it "markets your risk to carriers that specialize in technology E&O" without identifying one. ²Not publicly disclosed. Tech E&O page as read on 2026-09-23; the issuing insurer depends on the specific placement.	Confirm in your quote.
Who It’s For	Alliance Risk lists SaaS platforms, AI companies, IT consultants/system integrators/MSPs, software developers, data analytics and business-intelligence firms, IT staffing firms, and IT support/help-desk providers as the businesses that need Tech E&O. ²Company-reported. Tech E&O page, "Who Needs Tech E&O Insurance?" section.	The Professional First overview identifies IT training, IT staffing, internet service providers, software design and development, and system integration as Technology Services E&O target customers. ⁸Company-reported. Target classes in the U.S. overview dated 2026-06-03-A; does not make technology consulting, telecommunications consulting or managed-service-provider risks ordinary targets. The same overview separates technology consulting, telecommunications consulting services and managed service providers as select customers. ⁸Company-reported. U.S. selection qualification applies; no general eligibility inference.
Coverage Features	Alliance Risk describes Tech E&O as covering failure to perform or deliver, errors in deliverables (including AI outputs that are factually wrong or biased), unmet specifications, unintentional IP infringement, product failure and data loss caused by the company's own mistakes, while excluding intentional wrongdoing, bodily injury or property damage, and cyberattacks, which it says require separate cyber coverage. ²Company-reported. Tech E&O page, "What Tech E&O Insurance Covers" and "Does NOT Cover" sections and the E&O-vs-cyber comparison; the issued policy and declarations control actual terms.	BHSI’s U.S. Professional First overview names Technology E&O as a distinct product offering. ⁸Company-reported. Named U.S. product in dated overview; terms, form and current transaction availability are not provided by the catalogue listing.
Limits and Retentions	Alliance Risk describes typical Tech E&O limits ranging from $250K/$500K for a freelancer up to $2M/$3M+ for a SaaS company with many users, and cites $2,500 as a standard deductible for small firms. ²Company-reported. Tech E&O page, "How to Buy Tech E&O Insurance" and cost sections; illustrative ranges, not a specific quote.	Confirm in your quote.
Risk Services	Alliance Risk offers a no-charge review of an existing Tech E&O policy that identifies coverage gaps, retroactive-date issues and market alternatives, and says it typically delivers proposals within a few business days after reviewing a client's current program. ²Company-reported. Tech E&O page, "Get Your Tech E&O Risk Review" and "Policy Review" sections.	The Professional First overview describes an in-house claims group integrated with underwriting and streamlined claim reporting for its professional-line portfolio. ⁸Company-reported. Portfolio-level company-reported service, not technology-specific outcomes or an individual-policy claim promise.
How to Apply	For a Tech E&O quote, Alliance Risk asks for the services offered, annual revenue and employee count, the three largest client contracts including indemnification terms, current E&O and cyber coverage, five-year claims history, and client concentration among the top three clients. ²Company-reported. Tech E&O page, "What We Need for Your Quote" section.	Confirm in your quote.
Claims Support	The reviewed Tech E&O page describes the quote and policy-review process but does not describe a dedicated claims-reporting procedure or claims-advocacy service specific to a Tech E&O loss. ²Not found in reviewed sources. Tech E&O page as read on 2026-09-23.	Confirm in your quote.

Related Pages for Alliance Risk vs Berkshire Hathaway Specialty Insurance

Tech E&O Pages for Alliance Risk and Berkshire Hathaway Specialty Insurance

Other Coverage Lines Compared for Alliance Risk vs Berkshire Hathaway Specialty Insurance

Other Tech E&O Insurance Provider Comparisons

Sources for Alliance Risk vs Berkshire Hathaway Specialty Insurance

Sources About 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; Who Needs Tech E&O Insurance?; What Tech E&O Insurance Covers/Does NOT Cover; Tech E&O Insurance vs. Cyber Liability Insurance; How Much Does Tech E&O Insurance Cost?; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-23.
Get a Quote. Alliance Risk; Request form; Prefer to Call?; Why Alliance Risk? section. Accessed 2026-09-16.

Sources About 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 Professional Liability Overview. Berkshire Hathaway Specialty Insurance; PDF pp.1–2: claims group and reporting; primary blended E&O/Cyber and stand-alone Cyber forms; line capacity statement; named Lawyers PL, Technology E&O, Miscellaneous PL, Media Liability, Network Security & Privacy; named technology-services target types and selection categories; dated 2026-06-03-A. Group capacity not a line policy limit. Source version: 2026-06-03-A. Accessed 2026-09-28.
Professional First Architects, Engineers and Consultants Professional Liability. Berkshire Hathaway Specialty Insurance; Product Highlights: professional/pollution liability; media, technology and cyber/network security/privacy liability; direct breach/extortion expenses; risk services; primary/excess and project-specific product availability; target professions, lines 6–29. Its combined-form technology feature is not itself a standalone Tech E&O statement. Accessed 2026-09-28.

Sources for the Tech E&O Insurance Guide

Glossary of Insurance Terms. National Association of Insurance Commissioners; Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical. Accessed 2026-09-16.
Insurance and Bonding Guidelines. Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16.
Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide). New York State Office of General Services; §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note. Accessed 2026-09-16.
Technology Errors and Omissions Insurance. The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16.
DigiTech Enterprise Risk Management. Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. Accessed 2026-09-16.
Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application. ACE American Insurance Company / Chubb; Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6. Accessed 2026-09-16.
Cyber Risk for Technology Companies. Travelers; CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services. Accessed 2026-09-16.