Berkshire Hathaway Specialty Insurance vs CFC: How Do They Compare for Umbrella and Excess Liability Insurance?

CFC says its excess layer can sit over professional liability, general liability or cyber from another insurer; Berkshire Hathaway Specialty Insurance lists lead umbrella and follow-form excess with $10 million capacity. ^5,¹¹

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 Umbrella and Excess Liability Insurance page

What Is CFC Insurance?

CFC fits technology businesses seeking one eligible package for E&O, cyber, media/IP and general liability; buyers wanting to bind directly online should compare other routes. Its cyber policies may also include 24/7 incident support. ^7,^8,^9,¹⁰

Read the CFC profile

Read the CFC Umbrella and Excess Liability Insurance page

What Is Umbrella and Excess Liability Insurance?

Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. ^12,^13,^14,^15,¹⁶

Read the full coverage guide

What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and CFC Umbrella and Excess Liability Insurance?

Which Underlying Policies Can Attach

CFC says one excess policy can sit above primary professional liability, general liability, cyber or a combination, even when another insurer wrote the primary policy. Berkshire Hathaway Specialty Insurance lists lead umbrella alongside follow-form excess and retained-limit forms. For a company with split primary carriers, CFC’s cross-carrier option is specific; ask Berkshire Hathaway Specialty Insurance whether its proposed lead or excess form accepts the same underlying schedule. ¹¹ ⁵

Capacity and Buyer Segment

CFC targets small and micro businesses across a wide range of professions but does not publish maximum excess limits in the reviewed record. Berkshire Hathaway Specialty Insurance lists $10 million excess capacity and more for selected risks, naming construction, energy, trucking, manufacturing, finance and real estate among target sectors. Ask CFC for available limits and attachment requirements and Berkshire Hathaway Specialty Insurance whether its selected capacity fits your business and underlying policies. ¹¹ ⁶

What Should You Confirm in Berkshire Hathaway Specialty Insurance and CFC Umbrella and Excess Liability Insurance Quotes?

Will CFC schedule each current primary carrier, and what underlying limit and excess capacity will its quote require? ¹¹
Which Berkshire Hathaway Specialty Insurance layer and attachment point can apply to your existing program, and does your industry require selection? ⁵

Berkshire Hathaway Specialty Insurance and CFC Review Scores for 2026

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

-/ 10

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]

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CFC Review Score

-/ 10

Review Score

No reviews found

The reviewed sources did not yield customer reviews of CFC; the available survey concerns UK brokers. The one rating we found is from UK brokers: 4.76 out of 5 in Insurance Times’ 2024/25 survey.^[4]^[11]

Read CFC reviews

Berkshire Hathaway Specialty Insurance vs CFC Umbrella and Excess Liability Compared

Berkshire Hathaway Specialty Insurance vs CFC: Umbrella and Excess Liability Insurance: documented features by provider

Criteria	Lead umbrella and excess casualty	CFC Umbrella Cover
Role in This Line	Confirm in your quote.	CFC sells an umbrella (excess) policy that sits above a business's primary professional liability, general liability, or cyber policy, or any combination of the three, in a single excess policy. ¹¹Company-reported. Umbrella cover product page description of what the policy tops up.
Issuing Insurer	Confirm in your quote.	The reviewed umbrella cover page does not name the insurer or Lloyd's syndicate carrying this excess risk. CFC's regulatory page lists CFC-affiliated underwriting entities, including its own Lloyd's Syndicate 1988, but does not tie one specifically to this product. ^11,¹⁰Not publicly disclosed. Checked the umbrella cover page and CFC's regulatory information page; neither names a carrier for this product.
Who It’s For	BHSI lists manufacturers/distributors, real estate, grocery, financial institutions, construction, energy and trucking as umbrella/excess targets. ⁶Company-reported. BHSI US lead umbrella/excess casualty targets. Material limitation: Targets remain subject to restrictions and underwriting appetite.	CFC targets this excess cover at small and micro businesses and says it will consider a wide range of professions. ¹¹Company-reported. Umbrella cover product page; specific eligibility for a given business depends on underwriting.
Coverage Features	BHSI markets lead umbrella and excess casualty as an explicit product line and lists pollution/contractor-form features. ⁶Company-reported. US commercial casualty placements. Material limitation: Marketing overview; the manuscript and broker-specific forms require underwriting.	CFC says it will provide this excess layer regardless of whether the underlying primary policy is placed with CFC or with another insurer. ¹¹Company-reported. Umbrella cover product page.
Limits and Retentions	The appetite guide lists lead umbrella, follow-form excess and retained-limit forms, with $10 million excess capacity and more for selected risks. ⁵Company-reported. Select risks in the guide’s US casualty appetite. Material limitation: Capacity is not a quote or universally available layer; “more” is risk-selective.	The reviewed umbrella cover page does not publish maximum excess limit amounts or the underlying primary limits it requires; those would appear on a quote. ¹¹Not found in reviewed sources. Umbrella cover page checked on 2026-09-23 has no product brochure content extracted beyond the page text; no numeric limit figures appear on the page itself.
How to Apply	Confirm in your quote.	The umbrella cover page directs interested businesses to contact CFC directly rather than describing an online quote or indication tool. ¹¹Company-reported. Umbrella cover product page call to action.

Related Pages for Berkshire Hathaway Specialty Insurance vs CFC

Umbrella and Excess Liability Pages for Berkshire Hathaway Specialty Insurance and CFC

Other Coverage Lines Compared for Berkshire Hathaway Specialty Insurance vs CFC

Other Umbrella and Excess Liability Insurance Provider Comparisons

Sources for Berkshire Hathaway Specialty Insurance vs CFC

Sources About 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.
Casualty Appetite Guide - U.S. 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.
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.

Sources About CFC

About CFC. CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
Technology. CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
Technology — United States product brochure. CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
Regulatory information. CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23.
Excess umbrella insurance cover | CFC. CFC; Umbrella cover description; 'We offer additional insurance for small and micro businesses...'. Accessed 2026-09-23.

Sources for the Umbrella and Excess Liability Insurance Guide

Liability Insurance. Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
Commercial Insurance Guide. California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
Lines of Insurance. California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
Coverage Hub. Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
Products. Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16.