---
title: "The Baldwin Group vs Berkshire Hathaway Specialty Insurance"
description: "How The Baldwin Group’s commercial advisory and risk-management approach compares with Berkshire Hathaway Specialty Insurance’s documented business-insurance route and service."
canonical: "https://spot.insure/compare/baldwin-vs-berkshire-hathaway-specialty-insurance"
page-type: "provider-comparison"
updated-at: "2026-09-30"
---

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# The Baldwin Group vs Berkshire Hathaway Specialty Insurance

How The Baldwin Group’s commercial advisory and risk-management approach compares with Berkshire Hathaway Specialty Insurance’s documented business-insurance route and service.

## Before You Quote

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

## Highlights

The Baldwin Group describes commercial risk advice and an advisor-led route alongside online quote intake. Berkshire Hathaway Specialty Insurance documents a distinct business-insurance role and market or service model; fit depends on the buyer’s risk, desired support and proposed terms. [1](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm "The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025") [2](https://baldwin.com/transparency-disclosure/ "Transparency & Disclosure") [26](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [27](https://www.bhspecialty.com/about-us/ "About Us") [5](https://baldwin.com/business-insurance/quote/ "Business Insurance Quote") [6](https://baldwin.com/business-insurance/solutions/innovation-economy/ "Innovation Economy") [30](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") [3](https://baldwin.com/business-insurance/ "Business Insurance")

## Provider Reliability Assessments

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

### The Baldwin Group

Role: Broker.

Broker Spot Score: **Not Rated**. Assessed 2026-09-29; review due 2027-03-29.

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

## The Baldwin Group Reviews

Review Score: not enough ratings.

The reviewed public sources do not establish a representative customer rating for The Baldwin Group’s commercial advisory business. BBB pages show different legal entities: an A+ regional insurance-agency grade with zero listed reviews and complaints for The Baldwin Group Mid-Atlantic, LLC, and an A- grade plus six complaints in three years for The Baldwin Group Personal Insurance, LLC. A 2026 personal-lines complaint describes delayed refund handling. A separate National General auto review mentions a Baldwin referral but concerns insurer policy administration. None of these observations supports a group-wide or commercial rating.



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

This pairing matters when a buyer is deciding whether to work with an insurance adviser or approach an insurer-led route. The roles differ: compare the proposed issuing insurer, the producer or intermediary, and who will advise on the full program. The 2025 Form 10-K describes The Baldwin Insurance Group, Inc. as an insurance distribution firm and holding-company parent and sole managing member of The Baldwin Insurance Group Holdings, LLC. That filing uses “Baldwin” for the Inc. parent and its consolidated subsidiaries and affiliates. The January 1, 2026 transparency disclosure defines “The Baldwin Group” as Holdings LLC and its affiliated entities; the September 14, 2026 investor release uses “The Baldwin Group” as the brand for the Inc. parent and affiliates. These source-specific group descriptions do not identify the licensed producer or insurer for a particular policy. [1](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm "The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025") 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. [26](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance")



## Coverage Comparison

| Coverage Type | The Baldwin Group | Berkshire Hathaway Specialty Insurance |
| --- | --- | --- |
| [Builders risk](https://spot.insure/coverage/builders-risk) | Listed: Listed for digital-infrastructure projects and in commercial real-estate construction risk. [15](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [17](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") | 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. [47](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk") |
| [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Listed: Transportation page lists cargo insurance; it does not state a particular transit form or coverage terms. [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") | 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. [34](https://www.bhspecialty.com/us-products/us-marine/ "Marine") [35](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview") |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed: Listed for government-contracting, transportation and digital-infrastructure exposures. [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") [15](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") | Not listed |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Listed: Listed for real-estate, professional-services and other named commercial sectors. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [17](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") [15](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") | Listed: BHSI lists all-risk commercial property and selected single-peril options, including earthquake, flood, and windstorm. [36](https://www.bhspecialty.com/us-products/us-property/ "Property") [37](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf "General Property Appetite Guide") |
| [Crime](https://spot.insure/coverage/crime) | Listed: Listed as commercial crime or crime/fidelity within specified sectors. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [17](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") | 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. [39](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) | Listed: Listed for named commercial sectors; Baldwin separately describes cyber risk guidance and market/partner access. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") [15](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [16](https://baldwin.com/business-insurance/solutions/cyber/ "Cyber Liability Insurance & Risk Management") | 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. [48](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/ "Professional First Network Security & Privacy Policy") [43](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) | Listed: Listed within management-liability coverage for named business sectors; the dedicated D&O page discusses advisory programs for public companies, IPOs and SPACs. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [17](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") [20](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") | Listed: Executive First D&O liability materials describe separate public-company and private-company products. [38](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/do-liability-insurance/ "Executive First Directors & Officers Liability Insurance") [39](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") |
| [Employee health and benefits](https://spot.insure/coverage/employee-health-benefits) | Listed: Baldwin’s filing attributes employee-benefit services to Insurance Advisory Solutions; commercial-sector pages describe employee-benefit solutions. This is advisory/benefits scope, not a medical plan catalogue. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") [1](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm "The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025") | Not listed |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed: Listed as employment-practices liability for the named commercial sector examples. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [17](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") | 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. [39](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") |
| [Equipment breakdown](https://spot.insure/coverage/equipment-breakdown) | Listed: Listed as machinery/equipment breakdown for digital-infrastructure and transportation exposures. [15](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") | Not listed |
| [Fidelity bonds](https://spot.insure/coverage/fidelity-bonds) | Listed: Baldwin’s professional-services coverage snapshot lists commercial crime/fidelity bond; it does not specify bond terms or eligibility. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") | Not listed |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Listed: Listed as fiduciary liability for named commercial-sector audiences. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [17](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") | 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. [39](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) | Listed: Listed as general liability for professional-services clients and as a consideration for other named business sectors. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [17](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") [15](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") | Listed: BHSI lists primary general liability, with contractor and pollution features described in its casualty materials. [40](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [41](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") |
| [Intellectual property](https://spot.insure/coverage/intellectual-property) | Listed: Listed as intellectual-property liability in the professional-services coverage snapshot. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") | Not listed |
| [Key person](https://spot.insure/coverage/key-person) | Listed: Listed as a benefit/insurance solution in the M&A practice context; ask which legal entity and carrier provide it. [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") | Not listed |
| [Kidnap and ransom](https://spot.insure/coverage/kidnap-ransom) | Listed: Listed under professional and specialty risk on the real-estate page; no terms or eligibility are specified. [17](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") | Not listed |
| [Management liability](https://spot.insure/coverage/management-liability) | Listed: Listed for named sectors; Baldwin’s dedicated page describes D&O and management-liability advisory programs. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [17](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") [20](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") | 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. [43](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [44](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. [40](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [41](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: Listed as professional liability/E&O for professional-services and government-contractor audiences. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") | Listed: Professional First materials describe a professional-liability portfolio with several professions and service types. [42](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/ "Professional First Professional Liability") [43](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [44](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) | Listed: The M&A practice says its team can negotiate and place representations-and-warranty policies. [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") | Listed: BHSI lists Representations & Warranties Insurance within its Transactional Liability products. [45](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/transactional-liability/ "Transactional Liability") [46](https://www.bhspecialty.com/wp-content/uploads/marketing/Transactional-Liability-Overview-US.pdf "Transactional Liability Overview") |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Listed: Dedicated surety practice describes bond advisory/placement across contract, commercial and subdivision contexts. [23](https://baldwin.com/business-insurance/solutions/surety/ "Surety Bond Insurance for Construction & Commercial Sectors") | 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. [49](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. [43](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [44](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) | Listed: Baldwin lists inland and ocean marine among coverages that may be considered for digital-infrastructure clients; this entry covers inland marine only. [15](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") | Listed: BHSI lists inland transit, motor-truck cargo, warehouse legal liability, contractor equipment, and floaters under Inland Marine. [34](https://www.bhspecialty.com/us-products/us-marine/ "Marine") |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed: Listed among coverages that may be considered for digital-infrastructure clients and within the M&A practice’s P&C strategy. [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [15](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") | Listed: BHSI lists lead umbrella and excess casualty within its U.S. casualty products. [40](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [41](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed: Listed for named commercial sectors; Baldwin’s dedicated page describes workers’ compensation program and services. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [19](https://baldwin.com/business-insurance/solutions/government/ "Government Contractor Insurance & Risk Management") [22](https://baldwin.com/business-insurance/solutions/private-equity/ "M&A, Private Equity & VC Risk Management") [21](https://baldwin.com/business-insurance/industries/transportation/ "Transportation Insurance & Risk Management") [15](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [14](https://baldwin.com/business-insurance/solutions/workers-comp/ "Workers’ Compensation Insurance") | Not listed |

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 The Baldwin Group and Berkshire Hathaway Specialty Insurance

### Match the Placement Route to the Work You Need

The Baldwin Group describes a risk-advisory process and invites business prospects to speak with an advisor; its online route is an intake, not proof of a completed quote or bind. Berkshire Hathaway Specialty Insurance documents a different role and buyer entry point. Decide whether you need help assessing a wider program or want to start with the specific product and route documented for this provider. [5](https://baldwin.com/business-insurance/quote/ "Business Insurance Quote") [30](https://www.bhspecialty.com/terms-conditions/ "Terms of Service")

Baldwin’s business-insurance quote page shows a three-step online intake. Its visible first step asks for a revenue band, company and headquarters details, and contact information; the “Get a quote” link points to app.foundershield.com. Baldwin’s business page and contact page also invite prospects to speak with an advisor. The reviewed evidence does not establish a completed quote, purchase, or policy bind through this route. [5](https://baldwin.com/business-insurance/quote/ "Business Insurance Quote") [6](https://baldwin.com/business-insurance/solutions/innovation-economy/ "Innovation Economy") [3](https://baldwin.com/business-insurance/ "Business Insurance") [7](https://baldwin.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: The specific business-insurance quote page inspected on September 28, 2026; the first of three steps was visible and its quote link pointed to app.foundershield.com. Do not generalize this route to all Baldwin commercial prospects or products.; verified: 2026-09-28.)

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. [30](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.)

### Start With the Business and Its Risk

The Baldwin Group lists lines in the context of named sectors, while Berkshire Hathaway Specialty Insurance describes the buyers it serves. Match that focus to your operations and request the insurer-specific forms and exclusions for the actual quote. [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [26](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance")

Baldwin’s 2025 Form 10-K says its Insurance Advisory Solutions group provides commercial risk-management and employee-benefits solutions for businesses and private-risk management for high-net-worth individuals and their families. Separately, it describes the consolidated group’s clients as individuals, professionals, businesses including niche industries, and specialty insurers. [1](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm "The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025") (Evidence: Company-reported; scope: Customer categories reported for the consolidated group and its Insurance Advisory Solutions operation; not a statement that every Baldwin unit serves each segment or that all businesses qualify for a particular product.; verified: 2026-09-28.)

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. [26](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.)

### Set Expectations for Service and Total Cost

Ask who owns renewal preparation, certificates, policy changes and claims notice, and what response commitments apply. Published service descriptions do not establish an account-specific service schedule. Request the premium, taxes, fees and producer compensation separately in writing. [3](https://baldwin.com/business-insurance/ "Business Insurance") [33](https://www.bhspecialty.com/wp-content/uploads/2024/11/Claims-Excellence-US.pdf "Claims Excellence — United States") [2](https://baldwin.com/transparency-disclosure/ "Transparency & Disclosure") [33](https://www.bhspecialty.com/wp-content/uploads/2024/11/Claims-Excellence-US.pdf "Claims Excellence — United States")

For business insurance, Baldwin describes a five-step RiskMap process: insurance analysis, risk identification, insurance strategy, data-informed decisions, and continual assessment and optimization as risks evolve. [3](https://baldwin.com/business-insurance/ "Business Insurance") (Evidence: Company-reported; scope: The process described for Baldwin's business-insurance advisory service; a company-described service approach, not an independently measured outcome or guaranteed savings.; verified: 2026-09-28.)

BHSI’s U.S. Claims Service Standards document (version US 2024-10-07A) says coverage issues or reservations are discussed directly with insureds, brokers, and relevant parties, and brokers and policyholders are kept involved during third-party settlement discussions. These are company-stated process standards, not measured claims outcomes. [33](https://www.bhspecialty.com/wp-content/uploads/2024/11/Claims-Excellence-US.pdf "Claims Excellence — United States") (Evidence: Company-reported; scope: Company-stated U.S. claims-service standards in version US 2024-10-07A; accessed 2026-09-28. Process commitments are not evidence of measured service or outcomes.; verified: 2026-09-28.)

## What to Confirm in Quotes

- Which legal producer will advise and place the account, and which insurer will issue each policy? [1](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm "The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025") [26](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance")
- Which proposed forms, limits, retentions and endorsements address the business’s actual contracts and operations? [18](https://baldwin.com/business-insurance/industries/professional-services/ "Professional Liability Insurance & Services") [26](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance")
- Who owns renewal preparation, certificates, policy changes and claims notice, and what response commitments apply? [3](https://baldwin.com/business-insurance/ "Business Insurance") [33](https://www.bhspecialty.com/wp-content/uploads/2024/11/Claims-Excellence-US.pdf "Claims Excellence — United States")
- What are the account-specific premium, taxes, fees and producer compensation arrangements? [2](https://baldwin.com/transparency-disclosure/ "Transparency & Disclosure") [33](https://www.bhspecialty.com/wp-content/uploads/2024/11/Claims-Excellence-US.pdf "Claims Excellence — United States")

## Compare Services

What each provider documents about the services you may need.

| Criteria | The Baldwin Group | Berkshire Hathaway Specialty Insurance |
| --- | --- | --- |
| Customer focus | Baldwin’s 2025 Form 10-K says its Insurance Advisory Solutions group provides commercial risk-management and employee-benefits solutions for businesses and private-risk management for high-net-worth individuals and their families. Separately, it describes the consolidated group’s clients as individuals, professionals, businesses including niche industries, and specialty insurers. [1](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm "The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025") (Evidence: Company-reported; scope: Customer categories reported for the consolidated group and its Insurance Advisory Solutions operation; not a statement that every Baldwin unit serves each segment or that all businesses qualify for a particular product.; verified: 2026-09-28.)<br><br>Baldwin says its commercial site has dedicated Centers of Excellence and Practice Groups focused on specific needs and lists industries including aviation and aerospace, construction, energy, financial institutions, healthcare, manufacturing, real estate, retail and wholesale, technology, and transportation. These company-described examples are non-exhaustive and do not establish product availability or eligibility. [4](https://baldwin.com/business-insurance/industries/ "Business Insurance Industries") (Evidence: Company-reported; scope: Industries publicly listed on Baldwin's commercial-insurance industry page; examples are non-exhaustive and do not establish eligibility for a particular policy.; verified: 2026-09-28.) | 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. [26](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. [26](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 | Baldwin’s business-insurance quote page shows a three-step online intake. Its visible first step asks for a revenue band, company and headquarters details, and contact information; the “Get a quote” link points to app.foundershield.com. Baldwin’s business page and contact page also invite prospects to speak with an advisor. The reviewed evidence does not establish a completed quote, purchase, or policy bind through this route. [5](https://baldwin.com/business-insurance/quote/ "Business Insurance Quote") [6](https://baldwin.com/business-insurance/solutions/innovation-economy/ "Innovation Economy") [3](https://baldwin.com/business-insurance/ "Business Insurance") [7](https://baldwin.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: The specific business-insurance quote page inspected on September 28, 2026; the first of three steps was visible and its quote link pointed to app.foundershield.com. Do not generalize this route to all Baldwin commercial prospects or products.; verified: 2026-09-28.) | 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. [30](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.) |
| Servicing and renewals | For business insurance, Baldwin describes a five-step RiskMap process: insurance analysis, risk identification, insurance strategy, data-informed decisions, and continual assessment and optimization as risks evolve. [3](https://baldwin.com/business-insurance/ "Business Insurance") (Evidence: Company-reported; scope: The process described for Baldwin's business-insurance advisory service; a company-described service approach, not an independently measured outcome or guaranteed savings.; verified: 2026-09-28.)<br><br>Baldwin's contact page provides an existing-policy assistance route that asks for the policy type and the customer's US state, and links to a client portal. The page also directs business-insurance prospects to speak with an advisor. [7](https://baldwin.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: Public contact and service entry points on Baldwin's US-facing site; portal capabilities and service timing were not established by the page.; verified: 2026-09-28.) | BHSI’s U.S. Claims Service Standards document (version US 2024-10-07A) says coverage issues or reservations are discussed directly with insureds, brokers, and relevant parties, and brokers and policyholders are kept involved during third-party settlement discussions. These are company-stated process standards, not measured claims outcomes. [33](https://www.bhspecialty.com/wp-content/uploads/2024/11/Claims-Excellence-US.pdf "Claims Excellence — United States") (Evidence: Company-reported; scope: Company-stated U.S. claims-service standards in version US 2024-10-07A; accessed 2026-09-28. Process commitments are not evidence of measured service or outcomes.; verified: 2026-09-28.)<br><br>BHSI's U.S. website terms and claims page reviewed on September 28, 2026 do not explain how commercial policy renewals are quoted or completed. The U.S. product directory opened for this correction displays category navigation, but it is not a review of the linked product pages. These limited checks do not establish that renewal support or a renewal route is unavailable. [31](https://www.bhspecialty.com/us-products/ "United States") [30](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") [32](https://www.bhspecialty.com/claims/ "Claims — United States") (Evidence: Not found in reviewed sources; scope: A narrowly scoped research gap in the opened U.S. website terms and claims page and the U.S. product-directory landing page, checked 2026-09-28. The directory landing page provides category navigation only; linked product pages and account-specific servicing routes were not reviewed for this claim. This does not mean BHSI lacks renewal support.; verified: 2026-09-28.) |
| Claims assistance | Baldwin says its claims-advocacy team works with clients, their claim service providers, and other partners before, during, and after a loss to help manage claims and consider resolution strategies. This describes an advocacy service, not who decides coverage or pays a particular claim. [8](https://baldwin.com/business-insurance/solutions/risk-mitigation-services/ "Risk Mitigation Services") (Evidence: Company-reported; scope: Company-described commercial claims-advocacy service; it does not establish that Baldwin is the insurer or claim decision-maker for a policy, or guarantee a claim outcome.; verified: 2026-09-28.) | For claims outside separate product-specific instructions, BHSI's U.S. claims page lists email, 24-hour toll-free, and postal reporting routes; several products have their own route. [32](https://www.bhspecialty.com/claims/ "Claims — United States") (Evidence: Company-reported; scope: Claims-notice channels published on BHSI's U.S. claims page at review date; policy/product-specific directions govern and the general channels are not universal.; verified: 2026-09-28.) |

## Related Reading

- [What Is the Baldwin Group?](https://spot.insure/insurance-providers/baldwin)
- [What Is Berkshire Hathaway Specialty Insurance?](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance)

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## Sources

### [The Baldwin Group Official Website](https://baldwin.com/business-insurance/)

1. [The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm). U.S. Securities and Exchange Commission; filed by The Baldwin Insurance Group, Inc.; Part I, Item 1, “The Company,” lines 194–196; “Operating Groups,” lines 260–263; “Clients and Insurers,” lines 286–288; pp. 6–10; opened 2026-09-28. Accessed 2026-09-28.
2. [Transparency & Disclosure](https://baldwin.com/transparency-disclosure/). The Baldwin Group; Effective January 1, 2026, opening definition, line 37; compensation disclosures, lines 45–68; accessed 2026-09-28. Accessed 2026-09-28.
3. [Business Insurance](https://baldwin.com/business-insurance/). The Baldwin Group; RiskMap process, lines 40–68; Connect With Us consultation invitation, lines 182–187; accessed 2026-09-28. Accessed 2026-09-28.
4. [Business Insurance Industries](https://baldwin.com/business-insurance/industries/). The Baldwin Group; “Tailored commercial risk strategies,” lines 21–23; industry spotlights lines 26–170; accessed 2026-09-28. Accessed 2026-09-28.
5. [Business Insurance Quote](https://baldwin.com/business-insurance/quote/). The Baldwin Group; Step 1 of 3, lines 20–34; “Get a quote” link destination at line 33; company/headquarters/contact/consent fields lines 35–79; accessed 2026-09-28. Destination content not inspected. Accessed 2026-09-28.
6. [Innovation Economy](https://baldwin.com/business-insurance/solutions/innovation-economy/). The Baldwin Group; Current page opening: “Innovation Practice”; lines 19–23 describe The Baldwin Group’s Innovation Practice and link “Connect with us” to foundershield.com. No “innovation arm” statement appears on the reopened page. Accessed 2026-09-28.
7. [Contact Us](https://baldwin.com/contact-us/). The Baldwin Group; Business Insurance advisor route, lines 42–46; existing-policy assistance questions and client portal link, lines 80–110; accessed 2026-09-28. Accessed 2026-09-28.
8. [Risk Mitigation Services](https://baldwin.com/business-insurance/solutions/risk-mitigation-services/). The Baldwin Group; Risk Mitigation; Claims Advocacy. Accessed 2026-09-28.
9. [The Baldwin Group to Go Private Through Majority Investment by Sequence Holdings and Dell Family Office](https://ir.baldwin.com/news-releases/news-release-details/baldwin-group-go-private-through-majority-investment-sequence/). The Baldwin Group Investor Relations; September 14, 2026 release; transaction announcement and highlights, lines 36 and 49–51; “About The Baldwin Group” brand definition, lines 64–66; accessed 2026-09-28. Accessed 2026-09-28.
10. [The Baldwin Group](https://baldwin.com/). The Baldwin Group; Current header banner: The Baldwin Group to go private; linked CEO message. Accessed 2026-09-28.
11. [The Baldwin Insurance Group, Inc. Form 8-K dated September 14, 2026](https://www.sec.gov/Archives/edgar/data/1781755/000095010326013874/dp253297_8k.htm). U.S. Securities and Exchange Commission; filed by The Baldwin Insurance Group, Inc.; Item 1.01, Agreement and Plan of Merger parties/transaction structure at lines 76–83; Parent ownership and DFO equity financing at lines 80–81; closing conditions at lines 115–117; Exhibit 2.1 at lines 230–240. Accessed 2026-09-28.
12. [Agreement and Plan of Merger, dated September 14, 2026 (Exhibit 2.1 to Form 8-K)](https://www.sec.gov/Archives/edgar/data/1781755/000095010326013874/dp253297_ex0201.htm). The Baldwin Insurance Group, Inc.; filed as an exhibit with the U.S. Securities and Exchange Commission; Exhibit 2.1 preamble, lines 204–205; recitals, lines 209–210; initial merger sections 2.02–2.03, lines 707–745; Second LLC Merger section 2.10, lines 835–840; accessed 2026-09-28. Accessed 2026-09-28.
13. [Commercial Liability Insurance & Risk Management](https://baldwin.com/business-insurance/). The Baldwin Group; Business Insurance, lines 71–83: commercial coverage experts; Cyber coverage solution; additional coverage tiles continue below; page accessed 2026-09-29. Accessed 2026-09-29.
14. [Workers’ Compensation Insurance](https://baldwin.com/business-insurance/solutions/workers-comp/). The Baldwin Group; “Workers’ compensation, in focus,” lines 33–49; “Risk Reduction,” lines 63–76; coverage services, insurance-market access and dedicated claims advocates; accessed 2026-09-29. Accessed 2026-09-29.
15. [Digital Infrastructure](https://baldwin.com/business-insurance/industries/digital-infrastructure/). The Baldwin Group; “Products designed to perform,” lines 145–178, lists property, builders’ risk, equipment breakdown, workers’ compensation, commercial general liability, commercial auto, cyber, inland/ocean marine, management liability, umbrella/excess, and other lines for digital-infrastructure exposures; accessed 2026-09-29. Accessed 2026-09-29.
16. [Cyber Liability Insurance & Risk Management](https://baldwin.com/business-insurance/solutions/cyber/). The Baldwin Group; Opening and expertise lines 19–38; FAQ coverage examples lines 90–100; incident-response support and insurer/partner access; accessed 2026-09-29. Accessed 2026-09-29.
17. [Commercial Real Estate Insurance & Risk Management](https://baldwin.com/business-insurance/industries/real-estate/). The Baldwin Group; “Coverage designed to perform” and sections “Management & governance risk” / “Professional & specialty risk,” lines 120–150; coverage lines plus claims advocacy at lines 153–163; page accessed 2026-09-29. Accessed 2026-09-29.
18. [Professional Liability Insurance & Services](https://baldwin.com/business-insurance/industries/professional-services/). The Baldwin Group; Professional-services customer population lines 35–64; coverage snapshot lines 68–84 lists property, general/professional liability, cyber, workers’ compensation, D&O, fiduciary, crime/fidelity bond, EPL, and IP liability; Employee benefits lines 93–95; accessed 2026-09-29. Accessed 2026-09-29.
19. [Government Contractor Insurance & Risk Management](https://baldwin.com/business-insurance/solutions/government/). The Baldwin Group; GovCon customer/service description lines 21–33; GovTech collaboration, customer scope and coverage considerations lines 93–111; risk-mitigation service lines 113–118; accessed 2026-09-29. Accessed 2026-09-29.
20. [Directors & Officers Liability Insurance](https://baldwin.com/business-insurance/solutions/management-liability/). The Baldwin Group; D&O report and advisory team lines 23–32; Nasdaq collaboration with public-company/IPO/SPAC scope lines 38–44; accessed 2026-09-29. Accessed 2026-09-29.
21. [Transportation Insurance & Risk Management](https://baldwin.com/business-insurance/industries/transportation/). The Baldwin Group; Transportation advisors and partner market access lines 42–48; RiskMap and program reviews lines 53–75; listed line options lines 86–113; fleet risk resources lines 118–131; Employee benefits lines 133–173; accessed 2026-09-29. Accessed 2026-09-29.
22. [M&A, Private Equity & VC Risk Management](https://baldwin.com/business-insurance/solutions/private-equity/). The Baldwin Group; Transactional-risk insurance and placement claims lines 72–80; P&C line list lines 101–116; accessed 2026-09-29. Accessed 2026-09-29.
23. [Surety Bond Insurance for Construction & Commercial Sectors](https://baldwin.com/business-insurance/solutions/surety/). The Baldwin Group; Surety advisor/client/insurer relationship descriptions lines 40–58; bond functions, bond forms and business sectors in “Surety Snapshot” and “Industry Coverage,” lines 60–150; accessed 2026-09-29. Accessed 2026-09-29.
24. [Locations](https://baldwin.com/locations/). The Baldwin Group; “Find a location,” lines 17–21: company says office teams serve clients nationally in all 50 states; office listing starts at line 28. Accessed 2026-09-29; location presence/service listing does not prove a state agency license or a line’s availability. Accessed 2026-09-29.
25. [License](https://baldwin.com/license/). The Baldwin Group; Table headed “Legal Entity | CA License Number”, six entries, page lines 17–24; accessed 2026-09-29. Accessed 2026-09-29.

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

26. [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.
27. [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.
28. [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.
29. [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.
30. [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.
31. [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.
32. [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.
33. [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.
34. [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.
35. [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.
36. [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.
37. [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.
38. [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.
39. [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.
40. [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.
41. [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.
42. [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.
43. [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.
44. [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.
45. [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.
46. [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.
47. [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.
48. [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.
49. [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 2026-09-30. 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.

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