---
title: "Armilla vs Berkshire Hathaway Specialty Insurance"
description: "Armilla markets AI liability insurance, a separate contractual performance warranty and model assessments; BHSI’s broader specialty portfolio does not establish those same AI-specific mechanisms."
canonical: "https://spot.insure/compare/armilla-vs-berkshire-hathaway-specialty-insurance"
page-type: "provider-comparison"
updated-at: "2026-09-29"
---

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# Armilla vs Berkshire Hathaway Specialty Insurance

Armilla markets AI liability insurance, a separate contractual performance warranty and model assessments; BHSI’s broader specialty portfolio does not establish those same AI-specific mechanisms.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Highlights

Armilla markets AI liability insurance, model assessments and a separate contractual performance warranty; the warranty is not insurance. BHSI describes broader U.S. specialty underwriting and professional-liability products, but its public materials do not establish the same AI-specific warranty or insured trigger. AI vendors should compare the actual liability form with any customer performance promise and confirm the insurer, exclusions and underwriting path for either placement. [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief") [5](https://www.armilla.ai/assessments "Armilla Assessments: AI Verification & Red-Teaming") [9](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [25](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/ "Professional First Professional Liability") [13](https://www.bhspecialty.com/terms-conditions/ "Terms of Service")

## Provider Reliability Assessments

These sourced assessments are shown for context; this comparison does not select a winner.

### Armilla

Role: Managing general agent.

Carrier & MGA Spot Score: **5.2/10** (partial score; 10% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Financial Resilience (The available financial evidence does not establish resources and material capacity arrangements across the assessed entities and role.); Claims and Servicing (The evidence does not sufficiently establish responsibility, access and escalation across the assessed services.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/armilla/reliability).

### Berkshire Hathaway Specialty Insurance

Role: Insurance carrier.

Carrier & MGA Spot Score: **7.0/10** (partial score; 85% of this role's weighting included). Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Carrier-Network Strength (The supplied evidence did not support a score for Carrier-Network Strength; this factor is excluded, not scored as zero. Canonical evidence gaps: The AM Best rating carries a group-affiliation code, so it reflects the Berkshire Hathaway group rather than a standalone view.; No NAIC complaint index or state complaint data for BHSIC was found, so service outcomes are not measured.; Which BHSI-branded product is written on BHSIC paper versus an affiliate (Direct, Homestate, travel programs) is not mapped by product.; A state-by-state license lookup was not run; the all-states statement comes from the Nebraska exam report.; Non-U.S. regulators (FCA and PRA for the U.K. entity, Singapore, Australia and others) were not searched.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/reliability).

## Armilla Reviews

Review Score: not enough ratings.

Armilla has no customer ratings on the review sites we checked, so there's no Review Score yet. Armilla sells AI insurance, a small niche, so you'll want to ask for references.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/armilla/reviews).

## Berkshire Hathaway Specialty Insurance Reviews

Review Score: not enough ratings.

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.

- Trustpilot: TrustScore 2.1 (out of 5); 9 reviews. Trustpilot profile for bhspecialty.com, accessed 2026-09-29. Its small review set mixes travel-policy and other customer accounts; it is user-generated and unverified, and does not establish commercial-policy outcomes or representativeness. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance Reviews](https://www.trustpilot.com/review/bhspecialty.com)
- BBB: Customer review average 1 (out of 5 stars); 6 reviews. BBB page for BHSI headquarters and corporate-owned locations, accessed 2026-09-29. The page’s six customer reviews mix travel and commercial narratives; BBB says third-party information is not verified. BBB’s business letter grade is separate from these customer reviews. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance — BBB Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/berkshire-hathaway-specialty-insurance-0021-439678/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/reviews).

## Introduction

Armilla markets three distinct services for companies using AI: liability insurance, a contractual performance warranty and model assessments. Its public materials say the warranty is contractual, not insurance, and describe assessment work as evaluating model performance and related risks. BHSI’s U.S. guide describes a broad specialty portfolio, including professional liability, but the reviewed sources do not establish an AI-specific insured trigger or customer-facing performance warranty under that label. An AI vendor should therefore separate a third-party loss exposure from its own promise that a model will meet a target, then compare the corresponding policy and contract documents. This is a difference in documented public product scope, not evidence that BHSI cannot insure an AI-related risk. [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief") [5](https://www.armilla.ai/assessments "Armilla Assessments: AI Verification & Red-Teaming") [9](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [25](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/ "Professional First Professional Liability")



## Coverage Comparison

| Coverage Type | Armilla | Berkshire Hathaway Specialty Insurance |
| --- | --- | --- |
| [Builders risk](https://spot.insure/coverage/builders-risk) | Not listed | Listed: BHSI’s current U.S. Builder’s Risk page lists construction-project coverage, including hot testing/commissioning, delay and soft-cost features, and selectively considered Master Builder’s Risk programs. Project scope, eligibility, terms and issuer remain policy-specific. [30](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk") |
| [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Not listed | Listed: BHSI's current Marine catalog lists Ocean Cargo, Stock Throughputs, and Project Cargo. The older US-12/22-A guide lists Project Cargo as out of appetite, so confirm its current status; BHSI lists Inland Marine separately. [17](https://www.bhspecialty.com/us-products/us-marine/ "Marine") [18](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview") |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Not listed | Listed: BHSI lists all-risk commercial property and selected single-peril options, including earthquake, flood, and windstorm. [19](https://www.bhspecialty.com/us-products/us-property/ "Property") [20](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf "General Property Appetite Guide") |
| [Crime](https://spot.insure/coverage/crime) | Not listed | Listed: BHSI lists Commercial Crime within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, employment-practices, fiduciary and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not a crime-specific limit. Crime coverage is distinct from fidelity bonds. [22](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") |
| [Cyber liability](https://spot.insure/coverage/cyber) | Not listed | Listed: BHSI markets a U.S. Network Security & Privacy product with third-party breach, response-expense and network-interruption features; its Professional First overview also describes stand-alone Cyber and blended E&O/Cyber forms. Product form, eligibility, terms and issuer depend on the risk and policy. [31](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/ "Professional First Network Security & Privacy Policy") [26](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Not listed | Listed: Executive First D&O liability materials describe separate public-company and private-company products. [21](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/do-liability-insurance/ "Executive First Directors & Officers Liability Insurance") [22](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Not listed | Listed: BHSI lists employment-practices liability within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, fiduciary, crime and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not an EPL-specific limit. [22](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Not listed | Listed: BHSI lists fiduciary liability within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, employment-practices, crime and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not a fiduciary-specific limit. [22](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") |
| [General liability](https://spot.insure/coverage/general-liability) | Not listed | Listed: BHSI lists primary general liability, with contractor and pollution features described in its casualty materials. [23](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [24](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") |
| [Generative AI liability](https://spot.insure/coverage/generative-ai-liability) | Listed: Armilla markets standalone AI liability insurance as a managing general agent. [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") | Not listed |
| [Media liability](https://spot.insure/coverage/media) | Not listed | Listed: BHSI’s Professional First overview names Media Liability, and its architects/engineers product describes media liability only within a specialized combined design-industry form. The overview’s catalogue listing does not establish standalone terms or current account availability. [26](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [27](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/professional-firsttm-architects-engineers-and-consultants-professional-liability/ "Professional First Architects, Engineers and Consultants Professional Liability") |
| [Product liability](https://spot.insure/coverage/product-liability) | Not listed | Listed: BHSI lists primary products and completed-operations liability as a casualty product. [23](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [24](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Not listed | Listed: Professional First materials describe a professional-liability portfolio with several professions and service types. [25](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/ "Professional First Professional Liability") [26](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [27](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/professional-firsttm-architects-engineers-and-consultants-professional-liability/ "Professional First Architects, Engineers and Consultants Professional Liability") |
| [Representations and warranties](https://spot.insure/coverage/representations-warranties) | Not listed | Listed: BHSI lists Representations & Warranties Insurance within its Transactional Liability products. [28](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/transactional-liability/ "Transactional Liability") [29](https://www.bhspecialty.com/wp-content/uploads/marketing/Transactional-Liability-Overview-US.pdf "Transactional Liability Overview") |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Not listed | Listed: BHSI’s U.S. Surety page lists performance, payment, advance-payment, maintenance, supply and warranty bonds for contractor and construction-supplier accounts. Bond obligations depend on the bond form, principal, obligee and jurisdiction; this catalogue listing does not establish bond approval or terms. [32](https://www.bhspecialty.com/us-products/us-surety/ "Surety") |
| [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Not listed | Listed: Professional First materials identify Technology E&O as a professional-liability product. [26](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [27](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/professional-firsttm-architects-engineers-and-consultants-professional-liability/ "Professional First Architects, Engineers and Consultants Professional Liability") |
| [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Not listed | Listed: BHSI lists inland transit, motor-truck cargo, warehouse legal liability, contractor equipment, and floaters under Inland Marine. [17](https://www.bhspecialty.com/us-products/us-marine/ "Marine") |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Not listed | Listed: BHSI lists lead umbrella and excess casualty within its U.S. casualty products. [23](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [24](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") |

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.



## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## Key Differences Between Armilla and Berkshire Hathaway Specialty Insurance

### AI liability and contractual performance

Armilla’s liability brief lists potential AI-related exposures such as model errors, harmful outputs and agent mistakes, while making clear that an advertised scope does not confirm a particular loss is insured. Armilla Guaranteed addresses a different obligation: a contractual remedy if an agreed performance metric is missed, and Armilla expressly says this warranty is not insurance. BHSI lists broader professional-liability products, but the available guide and professional-liability materials do not show the same specifically named AI warranty. For a customer contract with model-accuracy commitments, compare the precise third-party claim trigger in the policy with the contractual metric, remedy and exclusions in the warranty or service agreement.

If an AI error causes a covered third-party loss, Armilla’s standalone liability brief lists possible areas such as model errors, hallucinations, harmful outputs, agent mistakes, non-breach data leakage, property damage and regulatory proceedings. These are advertised scopes, not confirmation a particular loss or fine is insured. [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") (Evidence: Company-reported; scope: Direct product brief; no policy wording reviewed. Sample areas are not separately marketed general liability, cyber, media or property policies.; verified: 2026-09-16.)



If you promise an AI system will meet a performance target, Armilla Guaranteed is a contractual warranty rather than insurance; Armilla says it funds remedies for missed metrics and may refund the buyer if remediation fails. Its FAQ lists misuse, unauthorized changes and external events as typical exclusions. [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief") (Evidence: Company-reported; scope: Warranty description, distinct from affirmative AI liability insurance; no executed warranty or issuer agreement inspected.; verified: 2026-09-16.)

[25](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/ "Professional First Professional Liability")

### Assessment and underwriting process

Armilla says an AI risk assessment precedes its insurance or warranty proposal and describes optional model testing, remediation support and reporting. BHSI’s terms say online submissions are nonbinding and only contracted National Indemnity group agents with state authority may bind or issue coverage. These are different stages: technical model assessment is a marketed service, while binding authority concerns policy placement. An AI team evaluating procurement requirements can ask Armilla what model version and benchmark the assessment covers, and ask any BHSI contact which policy form, underwriter and authorized agent would handle the proposed professional risk.

Expect an AI risk assessment before Armilla proposes insurance or a warranty; its site directs buyers to contact the team, and coverage requires written confirmation and completed underwriting. [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [1](https://www.armilla.ai/ "Armilla: AI Insurance") (Evidence: Company-reported; scope: Published process, not a submitted application, quote, binding test or promised turnaround.; verified: 2026-09-16.)



Armilla says buyers begin with an AI risk assessment before it customizes an insurance or warranty proposal. Confirm the assessment deliverables, monitoring and retesting terms in the proposal. [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") (Evidence: Company-reported; scope: Initial assessment described on the AI insurance page; reviewed evidence does not establish specific assessment deliverables, monitoring or retesting terms.; verified: 2026-09-30.)



BHSI's website terms say online application or quote submissions are informational and nonbinding; only contracted agents of the National Indemnity group may bind coverage, issue policies or certificates, or change coverage. Group companies' authority also varies by state, so the terms do not show that every application must begin through an agent. [13](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: The website's own online submissions and binding authority described by BHSI's terms; not a statement about every product's intake process or a claim that purchase can be completed online.; verified: 2026-09-28.)

### Insurer and document roles

Armilla identifies itself as an intermediary/MGA and describes the insurer as taking policy risk; its warranty instead creates a contractual obligation whose issuer and remedy should be identified in the agreement. BHSI’s brand-level portfolio likewise does not establish that one legal insurer issues every policy. The proposed documents, not product-page labels, determine the relevant counterparty and scope.

Armilla offers AI insurance, performance warranties and model assessments, but the insurer—not the brand—takes on policy risk. Armilla describes its insurance operation as an MGA and Armilla Insurance Services as a Lloyd’s coverholder. [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") [1](https://www.armilla.ai/ "Armilla: AI Insurance") [6](https://www.armilla.ai/brokers "Armilla for Brokers: Specialized AI Coverage") (Evidence: Company-reported; scope: Company descriptions of the Armilla brand and insurance operation; delegated authority and producer licensing have not been independently verified.; verified: 2026-09-16.)



BHSI’s U.S. At A Glance section (version 2026-8-03 A) lists commercial property, casualty, healthcare professional liability, executive and professional lines, surety, travel, programs, employer stop loss, and homeowners insurance. The guide is informational, not policy coverage, and its brand-level list does not identify the insurer on a particular policy. [9](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [10](https://www.bhspecialty.com/about-us/ "About Us") [13](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: A description of BHSI's U.S. line list in its U.S. At A Glance section (version 2026-8-03 A) only. The guide says its descriptions are informational and are not coverage; its brand-level list does not assign an issuing insurer to a particular product or policy. This is not a claim that one legal insurer issues every BHSI product.; verified: 2026-09-29.)

[13](https://www.bhspecialty.com/terms-conditions/ "Terms of Service")

## What to Confirm in Quotes

- For Armilla insurance, obtain the insuring agreement, exclusions, limits, defense terms and written confirmation of the model, deployment and claims scenarios covered. [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI")
- For a performance warranty, identify the obligor, metric, measurement window, remediation steps, payout/refund recipient, exclusions and effect of model updates; keep it separate from the insurance policy. [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief")
- Ask what Armilla’s assessment tests, which model version and benchmarks it covers, and whether reassessment or monitoring costs extra. [5](https://www.armilla.ai/assessments "Armilla Assessments: AI Verification & Red-Teaming")
- For BHSI, ask whether the proposed professional-liability form addresses the specific AI service and contractual indemnity, which insurer would issue it, and who has authority to bind in the relevant state. The published product guide is not a policy commitment. [25](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/ "Professional First Professional Liability") [13](https://www.bhspecialty.com/terms-conditions/ "Terms of Service")

## Compare Services

What each provider documents about the services you may need.

| Criteria | Armilla | Berkshire Hathaway Specialty Insurance |
| --- | --- | --- |
| Business role | Armilla offers AI insurance, performance warranties and model assessments, but the insurer—not the brand—takes on policy risk. Armilla describes its insurance operation as an MGA and Armilla Insurance Services as a Lloyd’s coverholder. [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") [1](https://www.armilla.ai/ "Armilla: AI Insurance") [6](https://www.armilla.ai/brokers "Armilla for Brokers: Specialized AI Coverage") (Evidence: Company-reported; scope: Company descriptions of the Armilla brand and insurance operation; delegated authority and producer licensing have not been independently verified.; verified: 2026-09-16.)<br><br>The reviewed corporate record identifies Armilla Insurance Services Inc. but does not establish California insurance authority; verify the licensed producer on your quote. Florida’s registry lists the company as a Delaware corporation. [8](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forp-f24000002598-db227865-9aa6-457f-8845-7987956f3b38&directionType=Initial&inquirytype=EntityName&listNameOrder=ARMILCFS+F180000056270&searchNameOrder=ARMILLAINSURANCESERVICES+F240000025980&searchTerm=ARMIL%2FCFS%2C+INC. "Detail by Entity Name: ARMILLA INSURANCE SERVICES INC.") (Evidence: Verified; scope: Exact entity spelling in corporate filing F24000002598, inspected on September 16, 2026. No California producer lookup was completed.; verified: 2026-09-16.) | BHSI’s U.S. At A Glance section (version 2026-8-03 A) lists commercial property, casualty, healthcare professional liability, executive and professional lines, surety, travel, programs, employer stop loss, and homeowners insurance. The guide is informational, not policy coverage, and its brand-level list does not identify the insurer on a particular policy. [9](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [10](https://www.bhspecialty.com/about-us/ "About Us") [13](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: A description of BHSI's U.S. line list in its U.S. At A Glance section (version 2026-8-03 A) only. The guide says its descriptions are informational and are not coverage; its brand-level list does not assign an issuing insurer to a particular product or policy. This is not a claim that one legal insurer issues every BHSI product.; verified: 2026-09-29.)<br><br>Berkshire Hathaway Specialty Insurance Company (BHSIC) identifies itself in its Singapore-branch public disclosure as a Nebraska-domiciled direct property and casualty insurer, wholly owned by National Indemnity Company, which is wholly owned by Berkshire Hathaway Incorporated. The Singapore-branch disclosure states this ownership chain. A Missouri Department of Insurance record separately lists BHSIC as active, NAIC 22276, and Property and Casualty in Missouri. Neither source identifies BHSIC as the issuer of every BHSI-branded U.S. policy. [11](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/ "Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch") [12](https://insurance.mo.gov/find-insurance-company/company-details?id=104347139 "Company Details — Berkshire Hathaway Specialty Insurance Company") [13](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Company-reported corporate identity and ownership in BHSI's Singapore-branch public disclosure, corroborated for company identity and Missouri P&C authority by the Missouri Department of Insurance record accessed 2026-09-28. Neither source maps BHSIC as issuer for every BHSI-branded U.S. product; use policy-specific documents for that.; verified: 2026-09-28.) |
| Customer focus | AI developers and companies deploying AI can approach Armilla, which markets to startups and large enterprises; its pages set no minimum revenue or funding stage and do not guarantee a bootstrapped company qualifies. [6](https://www.armilla.ai/brokers "Armilla for Brokers: Specialized AI Coverage") [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") (Evidence: Company-reported; scope: Published customer descriptions; no inferred startup eligibility thresholds.; verified: 2026-09-16.) | BHSI's U.S. industry focus spans real estate, public entities, financial institutions, healthcare, education, manufacturing, retail, logistics, transportation, energy, and technology. The at-a-glance guide associates these industries with particular product segments; it does not say every segment serves every listed industry. [9](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") (Evidence: Company-reported; scope: Company-stated industry focus in the United States section of the At A Glance (U.S. section version 2026-8-03 A); industry lists are segment-specific, not a universal eligibility statement.; verified: 2026-09-29.)<br><br>Within its U.S. executive-lines commercial and financial segment, BHSI lists publicly traded and large privately owned commercial firms; investment, money-center, national, and regional banks; asset managers; and insurance companies and brokerages. The size description applies to the commercial-firm entry, not every listed institution or all BHSI products. [9](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") (Evidence: Company-reported; scope: Only the U.S. Executive Lines, Commercial & Financial segment, At A Glance p. 50. The “publicly traded and large privately owned” qualifier attaches to the Commercial Firms bullet only.; verified: 2026-09-28.) |
| Application process | Expect an AI risk assessment before Armilla proposes insurance or a warranty; its site directs buyers to contact the team, and coverage requires written confirmation and completed underwriting. [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [1](https://www.armilla.ai/ "Armilla: AI Insurance") (Evidence: Company-reported; scope: Published process, not a submitted application, quote, binding test or promised turnaround.; verified: 2026-09-16.) | BHSI's website terms say online application or quote submissions are informational and nonbinding; only contracted agents of the National Indemnity group may bind coverage, issue policies or certificates, or change coverage. Group companies' authority also varies by state, so the terms do not show that every application must begin through an agent. [13](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: The website's own online submissions and binding authority described by BHSI's terms; not a statement about every product's intake process or a claim that purchase can be completed online.; verified: 2026-09-28.) |

## Related Reading

- [What Is Armilla?](https://spot.insure/insurance-providers/armilla)
- [What Is Berkshire Hathaway Specialty Insurance?](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance)

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## Sources

### [Armilla Official Website](https://www.armilla.ai/)

1. [Armilla: AI Insurance](https://www.armilla.ai/). Armilla; Affirmative Insurance Built for AI Risk; Risk Teams; footer surplus-lines and Lloyd’s disclosures. Accessed 2026-09-16.
2. [AI Insurance – Lloyd’s Coverholder | Armilla AI](https://www.armilla.ai/ai-insurance). Armilla; Armilla Insured; Armilla Guaranteed; FAQ: getting started, warranty classification, claims framework and exclusions. Accessed 2026-09-16.
3. [Armilla AI Insurance Brief](https://www.armilla.ai/ai-insurance-brief). Armilla; Introduction identifying the MGA; Tailored Protection for AI Pioneers: standalone AI liability and Sample Coverage Areas; Industry Protection; footer on surplus-lines placement and Lloyd’s underwriting. Accessed 2026-09-16.
4. [AI Performance Warranty Brief](https://www.armilla.ai/ai-performance-warranty-brief). Armilla; Opening partner disclosure; AI Performance, Guaranteed; Real-World Protection Examples. Accessed 2026-09-16.
5. [Armilla Assessments: AI Verification & Red-Teaming](https://www.armilla.ai/assessments). Armilla; Active AI Risk Assessment; FAQ: testing process, ongoing support and starting an assessment. Accessed 2026-09-16.
6. [Armilla for Brokers: Specialized AI Coverage](https://www.armilla.ai/brokers). Armilla; Coverage Options; Competitive Commissions; Flexible, Tech-Enabled Underwriting; broker appointment FAQ. Accessed 2026-09-16.
7. [Armilla Terms of Service](https://www.armilla.ai/terms-of-service). Armilla; Last updated April 5th, 2023; sections 1 Agreement to Terms and 4 Fees and Payment. Accessed 2026-09-16.
8. [Detail by Entity Name: ARMILLA INSURANCE SERVICES INC.](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forp-f24000002598-db227865-9aa6-457f-8845-7987956f3b38&directionType=Initial&inquirytype=EntityName&listNameOrder=ARMILCFS+F180000056270&searchNameOrder=ARMILLAINSURANCESERVICES+F240000025980&searchTerm=ARMIL%2FCFS%2C+INC.) Florida Department of State, Division of Corporations; Entity name; Filing Information; document F24000002598. Accessed 2026-09-16.

### [Berkshire Hathaway Specialty Insurance Official Website](https://www.bhspecialty.com/)

9. [At A Glance](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf). 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.
10. [About Us](https://www.bhspecialty.com/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.
11. [Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch](https://www.bhspecialty.com/asia/singapore-products/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.
12. [Company Details — Berkshire Hathaway Specialty Insurance Company](https://insurance.mo.gov/find-insurance-company/company-details?id=104347139). Missouri Department of Insurance; Company Details fields: legal name, active license status, NAIC number 22276, and Property and Casualty description; Missouri regulator record also lists 2025 property-casualty lines. Accessed 2026-09-28. Accessed 2026-09-28.
13. [Terms of Service](https://www.bhspecialty.com/terms-conditions/). 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.
14. [United States](https://www.bhspecialty.com/us-products/). Berkshire Hathaway Specialty Insurance; United States products directory, opened 2026-09-28. Rendered page lists U.S. category links and Casualty/Property headings (lines 6–44); this directory view is navigation, not the linked product pages or a full review of product materials. Accessed 2026-09-28.
15. [Claims — United States](https://www.bhspecialty.com/claims/). Berkshire Hathaway Specialty Insurance; Claims Reporting, lines 34–91; separate product-specific directions, then “All other claims” email, 24-hour toll-free phone, postal/overnight mail. Accessed 2026-09-28.
16. [Claims Excellence — United States](https://www.bhspecialty.com/wp-content/uploads/2024/11/Claims-Excellence-US.pdf). Berkshire Hathaway Specialty Insurance; Claims Service Standards, version US 2024-10-07A in footer/document end; page 2 lines 30–34 describe coverage discussion and third-party settlement communications. Accessed 2026-09-28.
17. [Marine](https://www.bhspecialty.com/us-products/us-marine/). Berkshire Hathaway Specialty Insurance; Inland and ocean marine product list, covered property classes and target businesses; lines 18-69. Accessed 2026-09-28.
18. [Ocean Marine Cargo Overview](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf). Berkshire Hathaway Specialty Insurance; Two-page U.S. marketing PDF marked US-12/22-A; product types lines 14-20; ocean marine cargo appetite, capacity and placement lines 43-57; out-of-appetite and target risk characteristics lines 58-72; terms disclaimer lines 103-114. Accessed 2026-09-28.
19. [Property](https://www.bhspecialty.com/us-products/us-property/). Berkshire Hathaway Specialty Insurance; All-risk, single-peril, catastrophe, inland/ocean marine and builder's risk offerings; target account descriptions. Accessed 2026-09-28.
20. [General Property Appetite Guide](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf). Berkshire Hathaway Specialty Insurance; Page 1: minimum premium, product/forms, territory, attachment and working capacity; page 2 footer identifies 2026-02-10 A; lines 0-9, 89-99. Accessed 2026-09-28.
21. [Executive First Directors & Officers Liability Insurance](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/do-liability-insurance/). Berkshire Hathaway Specialty Insurance; Product Highlights: government investigations, shareholder derivative actions, late-notice qualification, defense counsel selection; Top Targets: large commercial and financial firms, lines 6–19. Accessed 2026-09-28.
22. [Executive First Private Company Portfolio](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/). Berkshire Hathaway Specialty Insurance; Product Highlights: D&O, EPL, Fiduciary, Commercial Crime and Employed Lawyers in one comprehensive form; shared or separate limits to $50m; EPL First services. Top Targets: private companies at $10m+ revenues and listed industries, lines 11–25. Portfolio limit is not a separate line limit. Accessed 2026-09-28.
23. [Casualty Appetite Guide - U.S.](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf) 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.
24. [Casualty](https://www.bhspecialty.com/us-products/us-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.
25. [Professional First Professional Liability](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/). Berkshire Hathaway Specialty Insurance; U.S. Professional Liability landing page links Professional Liability / Network Security & Privacy, stand-alone Network Security & Privacy, and Architects, Engineers and Consultants PL, lines 6–15; footer copyright © 2026. Accessed 2026-09-28.
26. [Professional First Professional Liability Overview](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf). 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.
27. [Professional First Architects, Engineers and Consultants Professional Liability](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/professional-firsttm-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.
28. [Transactional Liability](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/transactional-liability/). Berkshire Hathaway Specialty Insurance; Product Highlights list R&W, tax, contingent-liability and class-action-settlement insurance; Top Targets list manufacturing, financial institutions, technology, real estate, energy, healthcare and retail, lines 6–27. The target list is for the transactional-liability portfolio, not exclusive R&W eligibility. Accessed 2026-09-28.
29. [Transactional Liability Overview](https://www.bhspecialty.com/wp-content/uploads/marketing/Transactional-Liability-Overview-US.pdf). Berkshire Hathaway Specialty Insurance; PDF pp.1–2: R&W, tax, contingent-liability, and class-action-settlement products; portfolio-wide primary/excess and up-to-$25m capacity; premiums/retentions vary by transaction/risk; portfolio appetite and in-house claims group; R&W buyer-use descriptions; dated 2025-05-16-A. Product-specific limits and final terms not stated. Source version: 2025-05-16-A. Accessed 2026-09-28.
30. [Builder’s Risk](https://www.bhspecialty.com/us-products/us-builders-risk/). Berkshire Hathaway Specialty Insurance; Current U.S. page: all-risk, hot testing/commissioning, delay/startup/soft costs, single-peril/DIC primary/excess; separate EAR and CAR target categories; Master Builder’s Risk selectively considered, lines 6–35. Reopened 2026-09-28. Accessed 2026-09-28.
31. [Professional First Network Security & Privacy Policy](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/). Berkshire Hathaway Specialty Insurance; Product Highlights: third-party breach exposures, regulatory investigations/fines/penalties, direct breach/extortion expenses, electronic-content media liability, business interruption from network-security failure, eRiskHub; Top Targets: professional-services firms, lines 6–19. Accessed 2026-09-28.
32. [Surety](https://www.bhspecialty.com/us-products/us-surety/). Berkshire Hathaway Specialty Insurance; Product Highlights name performance, payment, advance-payment, maintenance, supply and warranty bonds; Top Targets name regional/national/global contractors and construction suppliers/services; PPP/project-delivery capability; lines 6–32. Accessed 2026-09-28.

Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/armilla-vs-berkshire-hathaway-specialty-insurance.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
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