Amelia Risk vs Berkshire Hathaway Specialty Insurance: How Do They Compare for Cyber Insurance?

Amelia Risk arranges cyber liability coverage for its clients, describing and structuring the policy around network security and privacy liability rather than underwriting it directly. ⁴Company-reported. Amelia's own cyber liability product page as of 23 September 2026. Does not establish who issues a particular client's policy.

BHSI describes both a stand-alone Network Security & Privacy policy and blended E&O/Cyber forms in Professional First. ^13,14Company-reported. Form selection depends on the risk and proposal; the overview does not establish issuance for an individual applicant.

The reviewed pages do not name an insurer for cyber placements; Amelia's marketing describes access to underwriters, wholesale brokers and carrier partners generally, without attributing any of them to cyber liability specifically. ⁴Not publicly disclosed. Cyber product page and specialty pages, checked 23 September 2026.

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Amelia Risk lists cyber liability among the policies it places for startups, technology companies, CPG (better-for-you food, beverage and cosmetic) brands, and consumer-product companies. ^5,6,7,8Company-reported. Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement.

Amelia Risk recommends buying cyber coverage early in a company's life, pointing to rising ransomware attacks against small businesses as the reason. ⁴Company-reported. Cyber product page timing guidance; a general recommendation, not a stated minimum revenue or headcount threshold.

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. ^13,14Company-reported. The overview’s class lists have different appetite labels; neither is a blanket eligibility rule.

Amelia describes its cyber liability placements as combining network security and privacy liability (protecting a client's networks against unauthorized access and protecting personal, health or other sensitive data) with first-party coverage for losses the business incurs and third-party coverage for claims alleging the business is at fault. ⁴Company-reported. Cyber product page description; the actual policy wording and sublimits depend on the issuing insurer and the client's declarations.

Amelia describes cyber-crime and social engineering coverage as a traditional add-on to the base cyber policy rather than something included by default. ⁴Company-reported. Cyber product page description as of 23 September 2026.

BHSI markets third-party breach exposures, direct breach-response and extortion expenses, and business interruption from a network-security failure. ¹³Company-reported. The product page is a coverage summary; conditions, sublimits and exclusions require the policy and endorsements.

The reviewed cyber page does not describe security-monitoring, incident-response, or other risk-control services for cyber policyholders beyond the coverage description itself. ⁴Not found in reviewed sources. Cyber product page as read on 23 September 2026; does not establish that no such services exist, only that this page doesn't describe them.

BHSI lists eRiskHub as a resource with its Network Security & Privacy product. ¹³Company-reported. The product-page listing does not define the resource’s service scope or confirm availability on an individual policy.

The reviewed cyber page does not describe a breach-response process or claims-handling steps specific to cyber incidents. ⁴Not found in reviewed sources. Cyber product page as read on 23 September 2026; Amelia's general claims-advocacy description on other pages is not cyber-specific.

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