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

Amelia Risk is a brokerage that places general liability coverage with insurance companies on a client's behalf; it does not underwrite the policy itself. ^4,2Company-reported. General Liability page describes what the coverage includes and when to buy it, written in the firm's advisory voice; the Specialties page describes the four-step placement process the firm applies across the lines it arranges. Neither page names the issuing insurer for a given placement.

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Amelia Risk says general liability is one of the most basic and fundamental parts of a company's insurance program and should be bought once a company is formed and operating, or once it starts selling products. ⁴Company-reported. General Liability page's timing guidance; not a stated industry or size restriction.

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.

Amelia Risk describes general liability as covering premises liability and personal and advertising injury, and says it most notably includes product liability: coverage for third-party bodily injury or property damage claims arising from the use of the client's products. ⁴Company-reported. General Liability page's coverage description; a general explanation of the policy type, not a specimen form or a particular insurer's wording.

Amelia Risk says an umbrella policy raises the limits sitting on top of scheduled underlying liability policies, and notes that in some cases the layered policy it arranges is an excess policy rather than an umbrella policy. ⁴Company-reported. General Liability page's umbrella paragraph; distinguishes umbrella from excess by name only, without published limit amounts.

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.

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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.

Amelia Risk says it reads the policies it offers clients and negotiates coverage terms and pricing before a client buys, as part of its general placement process. ²Company-reported. Specialties page's process description; applies to the firm's placement practice generally, not a general-liability-specific service.

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Amelia Risk's stated process for arranging coverage, including general liability, starts with gathering information about the company, then approaching multiple insurers, reviewing the resulting quotes with the client, and letting the client decide how to proceed. ²Company-reported. Specialties page's four numbered steps; describes the firm's general placement workflow, not a general-liability-specific application form.

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Amelia Risk says it will advocate for a client's needs during claims, as one of the things clients can expect when working with the firm. ²Company-reported. Specialties page's process list; a general claims-advocacy statement covering all lines the firm places, not general-liability-specific claims handling.

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