Berkshire Hathaway Specialty Insurance vs 
biBerk: How Do They Compare for Professional Liability (E&O) Insurance?
What Is Berkshire Hathaway Specialty Insurance?
BHSI provides commercial and specialty insurance in the U.S., with product-specific industry lists that include healthcare, energy and technology. Online quote and application submissions are nonbinding. 1,2,3,4
Read the Berkshire Hathaway Specialty Insurance profile
Read the Berkshire Hathaway Specialty Insurance Professional Liability (E&O) Insurance page
What Is biBerk Insurance?
biBerk focuses on small businesses and describes a direct online path to answer business questions, choose coverage and pay, with an insurance expert available to help. Before you plan around online checkout, confirm that your state and the insurance you need are supported; biBerk says availability depends on both. 8,9
What Is Professional Errors and Omissions (E&O) Insurance?
Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. 11,12,13,14
Key Differences in Professional Liability (E&O) Insurance
What the Published Offering Defines
Berkshire Hathaway Specialty Insurance’s Professional First portfolio includes Lawyers Professional Liability, Miscellaneous Professional Liability, Technology E&O and Media Liability. biBerk describes professional liability for consultants, accountants, real-estate agents and insurance agents. The examples point to different ways of finding the fit: Berkshire Hathaway Specialty Insurance names separate product lines and target classes; biBerk provides a compact profession list. Ask which form applies if your work spans technology, advice and licensed services. 6 10
Buying and Policy Details to Resolve
biBerk says professional liability is available in all 50 states and describes online quote and purchase, along with online claim submission and phone support. Berkshire Hathaway Specialty Insurance’s cited overview does not publish state-specific availability or a retail workflow. These differences matter for access, but neither listing confirms eligibility or terms for an individual business. Compare the insurer, claims-made date, defense-cost treatment and the coverage definition in each actual quote. 10 6
What to Confirm in Professional Liability (E&O) Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Berkshire Hathaway Specialty Insurance
Review Score
No reviews found
The public ratings for Berkshire Hathaway Specialty Insurance are low but thin: Trustpilot shows 2.1 out of 5 from 9 reviews and BBB shows 1 out of 5 from 6. Both mix travel and commercial customers, so we don't count them in a score.[5][7]
Read Berkshire Hathaway Specialty Insurance reviewsbiBerk
Review Score
3 rated sources
Customers rate biBerk well: Trustpilot shows 4.5 out of 5 from 2,620 reviews, and NerdWallet gives it 4.0. The complaints are about slow service after you buy, billing and audits, and slow refunds.[4][1]
Read biBerk reviewsOffering Details
Berkshire Hathaway Specialty Insurance vs biBerk: Professional Liability (E&O) Insurance: documented features by provider
| Criteria | Professional First Professional Liability portfolio | biBerk Professional Liability / E&O |
|---|---|---|
| Who It’s For | The overview names staffing firms, management consultants, marketing firms and real-estate firms as targeted customers for Miscellaneous Professional Liability; it separately lists law-firm size bands for Lawyers Professional Liability. 6Company-reported. U.S. Professional First target statements; class-specific eligibility only. | biBerk identifies consultants, accountants, real-estate agents and insurance agents as professions that may need E&O. 10Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business professional services. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. biBerk says it provides Professional Liability in all 50 states. 10Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: professional E&O. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. |
| Coverage Features | BHSI’s U.S. Professional First overview identifies Lawyers Professional Liability and Miscellaneous Professional Liability alongside Technology E&O and Media Liability. 6,5Company-reported. Portfolio catalogue statement; the specific legal/professional class and form must be selected rather than treating the offerings as one policy. For architects, engineers and consultants, BHSI describes a professional-liability form that also addresses pollution, media, technology and cyber/network-security exposures. 7Company-reported. This is a specialized design-industry combined form, not generic E&O wording or proof that all risks receive each component. | biBerk says professional liability can respond when a client alleges an error, omission or negligent professional act caused financial harm. 10Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: small-business professional E&O. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. biBerk says litigation defense may be covered even if the accusation proves groundless, depending on policy terms. 10Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: professional E&O defense. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. |
| Risk Services | The Professional First overview describes its in-house claims handling group as experienced in complex, high-value claims and integrated with underwriting. 6Company-reported. Company-reported portfolio-level claim-service description, not independently measured claims performance. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | The page describes online quote/purchase and online claim submission with phone support. 10Company-reported. Entity: biBerk brand; underlying issuing company is policy/state-dependent unless stated. Product: professional E&O. Jurisdiction: United States; availability varies by state unless stated. Limitation: Company-reported; exact issued policy wording and underwriting determine coverage. |
Full Comparison
More Berkshire Hathaway Specialty Insurance vs biBerk Comparisons
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Sources
Berkshire Hathaway Specialty Insurance
- At A Glance. Berkshire Hathaway Specialty Insurance; United States section, zero-based PDF pages 49–53 (viewer pages 50–54): product/industry lists on pages 49–50; U.S. disclosure/version footer on page 53 is 2026-8-03 A. The 2026-09-14 A footer is on preceding European page 48, not the U.S. section. Accessed 2026-09-29.
- About Us. Berkshire Hathaway Specialty Insurance; About BHSI; company profile page re-opened through official site on 2026-09-28; company says it is part of National Indemnity group. Accessed 2026-09-28.
- Terms of Service. Berkshire Hathaway Specialty Insurance; Important Information Concerning Use of this Web Site, paragraphs 2–4; nonbinding submissions, contracted-agent authority, state variation, product availability and policy-specific terms. Accessed 2026-09-28.
- Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch. Berkshire Hathaway Specialty Insurance; Singapore branch public disclosure, Company Profile ¶¶ 1–2; direct page opened 2026-09-28. ¶ 1 identifies BHSIC as a Nebraska-domiciled direct P&C insurer; ¶ 2 states BHSIC is wholly owned by National Indemnity Company, itself wholly owned by Berkshire Hathaway Incorporated. Accessed 2026-09-28.
- Professional First Professional Liability. 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.
- Professional First Professional Liability Overview. Berkshire Hathaway Specialty Insurance; PDF pp.1–2: claims group and reporting; primary blended E&O/Cyber and stand-alone Cyber forms; line capacity statement; named Lawyers PL, Technology E&O, Miscellaneous PL, Media Liability, Network Security & Privacy; named technology-services target types and selection categories; dated 2026-06-03-A. Group capacity not a line policy limit. Source version: 2026-06-03-A. Accessed 2026-09-28.
- Professional First Architects, Engineers and Consultants Professional Liability. Berkshire Hathaway Specialty Insurance; Product Highlights: professional/pollution liability; media, technology and cyber/network security/privacy liability; direct breach/extortion expenses; risk services; primary/excess and project-specific product availability; target professions, lines 6–29. Its combined-form technology feature is not itself a standalone Tech E&O statement. Accessed 2026-09-28.
biBerk
- Small Business Insurance From biBerk | Get A Quote Online. biBerk; Online purchase steps, lines 183–197; small-business audience and industries, lines 231–238; state/type availability, lines 290–295. Accessed 2026-09-28.
- About biBerk | Making Small Business Insurance Simple. biBerk; Making small business insurance simple and direct sales without an insurance broker, lines 72–89; online assistance, lines 76–78. Accessed 2026-09-28.
- Professional Liability Insurance | Talk To biBerk. biBerk; What Professional Liability covers. Accessed 2026-09-28.
Professional Liability (E&O) Insurance Guide
- FAQ: Professional liability insurance. Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
- Professional liability insurance. Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Professional Liability – US Direct Errors and Omissions Insurance. Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.
