--- title: "Berkshire Hathaway Specialty Insurance vs CFC: Umbrella and Excess Liability Insurance" description: "CFC offers one excess policy above professional liability, general liability or cyber regardless of the primary insurer, while Berkshire Hathaway Specialty Insurance also lists lead umbrella structures and excess capacity." canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/umbrella-excess" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "berkshire-hathaway-specialty-insurance-vs-cfc" provider-a: "berkshire-hathaway-specialty-insurance" provider-b: "cfc" coverage-line: "umbrella-excess" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/umbrella-excess) ## Agent Guide **What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and CFC for Umbrella and Excess Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Umbrella and Excess Liability Insurance questions about Berkshire Hathaway Specialty Insurance versus CFC. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Berkshire Hathaway Specialty Insurance vs CFC for Umbrella and Excess Liability Insurance: how do they differ? - Which is better for Umbrella and Excess Liability Insurance, Berkshire Hathaway Specialty Insurance or CFC? - What does Berkshire Hathaway Specialty Insurance or CFC publish about Umbrella and Excess Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Umbrella and Excess Liability Insurance from Berkshire Hathaway Specialty Insurance or CFC? **Key facts:** - Line: Umbrella and Excess Liability Insurance. Providers: Berkshire Hathaway Specialty Insurance and CFC. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy. **Related pages:** - [Berkshire Hathaway Specialty Insurance vs CFC](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc) — parent: all coverage lines for this pair - [Umbrella and Excess Liability Insurance guide](https://spot.insure/coverage/umbrella-excess) — coverage explainer for this line - [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) — provider profile (evidence) - [CFC profile](https://spot.insure/insurance-providers/cfc) — provider profile (evidence) - [Berkshire Hathaway Specialty Insurance vs CFC Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/commercial-property) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs CFC Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/crime) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs CFC Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/cyber) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs CFC D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/directors-officers) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs CFC Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/employment-practices) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs CFC General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/general-liability) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs CFC Media Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/media) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs CFC Product Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/product-liability) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs CFC Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs CFC Representations and Warranties Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/representations-warranties) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs CFC Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [AIG vs CFC Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-cfc/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs CFC Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs CFC Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/umbrella-excess) — sibling comparison (other line, or other pair for this line) # Berkshire Hathaway Specialty Insurance vs CFC: How Do They Compare for Umbrella and Excess Liability Insurance? CFC offers one excess policy above professional liability, general liability or cyber regardless of the primary insurer, while Berkshire Hathaway Specialty Insurance also lists lead umbrella structures and excess capacity. ## How to Use the Berkshire Hathaway Specialty Insurance vs CFC Umbrella and Excess Liability Insurance Comparison Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and CFC for Umbrella and Excess Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Berkshire Hathaway Specialty Insurance vs CFC Umbrella and Excess Liability Insurance Summary 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](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [11](https://www.cfc.com/en-us/products/class/excess-umbrella/ "Excess umbrella insurance cover | CFC") ## 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](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [2](https://www.bhspecialty.com/about-us/ "About Us") [3](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") [4](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/ "Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch") [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) ## 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](https://www.cfc.com/en-us/company/ "About CFC") [8](https://www.cfc.com/en-us/products/industry/technology/ "Technology") [9](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [10](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") [CFC profile](https://spot.insure/insurance-providers/cfc) ## 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](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [13](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [14](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm "Lines of Insurance") [15](https://www.coverdash.com/coverage "Coverage Hub") [16](https://kinro.com/products "Products") ## 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](https://www.cfc.com/en-us/products/class/excess-umbrella/ "Excess umbrella insurance cover | CFC") [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") ### 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](https://www.cfc.com/en-us/products/class/excess-umbrella/ "Excess umbrella insurance cover | CFC") [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") ## 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](https://www.cfc.com/en-us/products/class/excess-umbrella/ "Excess umbrella insurance cover | CFC") - Which Berkshire Hathaway Specialty Insurance layer and attachment point can apply to your existing program, and does your industry require selection? [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") ## Berkshire Hathaway Specialty Insurance vs CFC Umbrella and Excess Liability Compared | 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. [11](https://www.cfc.com/en-us/products/class/excess-umbrella/ "Excess umbrella insurance cover | CFC") (Evidence: Company-reported; scope: 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](https://www.cfc.com/en-us/products/class/excess-umbrella/ "Excess umbrella insurance cover | CFC") [10](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") (Evidence: Not publicly disclosed; scope: 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. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") (Evidence: Company-reported; scope: 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. [11](https://www.cfc.com/en-us/products/class/excess-umbrella/ "Excess umbrella insurance cover | CFC") (Evidence: Company-reported; scope: 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. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") (Evidence: Company-reported; scope: 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. [11](https://www.cfc.com/en-us/products/class/excess-umbrella/ "Excess umbrella insurance cover | CFC") (Evidence: Company-reported; scope: 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. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") (Evidence: Company-reported; scope: 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. [11](https://www.cfc.com/en-us/products/class/excess-umbrella/ "Excess umbrella insurance cover | CFC") (Evidence: Not found in reviewed sources; scope: 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. [11](https://www.cfc.com/en-us/products/class/excess-umbrella/ "Excess umbrella insurance cover | CFC") (Evidence: Company-reported; scope: Umbrella cover product page call to action..) | ## Related Pages for Berkshire Hathaway Specialty Insurance vs CFC - [Berkshire Hathaway Specialty Insurance vs CFC](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc): all coverage lines, business roles, service and claims. - [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella or excess insurance can add liability limits above selected underlying policies when a covered claim exceeds them; compare the schedule and any gaps. - [Berkshire Hathaway Specialty Insurance vs CFC Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/commercial-property) - [Berkshire Hathaway Specialty Insurance vs CFC Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/crime) - [Berkshire Hathaway Specialty Insurance vs CFC Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/cyber) - [Berkshire Hathaway Specialty Insurance vs CFC D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/directors-officers) - [Berkshire Hathaway Specialty Insurance vs CFC Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/employment-practices) - [Berkshire Hathaway Specialty Insurance vs CFC General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/general-liability) - [Berkshire Hathaway Specialty Insurance vs CFC Media Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/media) - [Berkshire Hathaway Specialty Insurance vs CFC Product Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/product-liability) - [Berkshire Hathaway Specialty Insurance vs CFC Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/professional-errors-omissions) - [Berkshire Hathaway Specialty Insurance vs CFC Representations and Warranties Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/representations-warranties) - [Berkshire Hathaway Specialty Insurance vs CFC Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/technology-errors-omissions) - [AIG vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) - [AIG vs CFC Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-cfc/umbrella-excess) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) - [Alliance Risk vs CFC Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/umbrella-excess) - [Amelia Risk vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) - [Amelia Risk vs CFC Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-cfc/umbrella-excess) ## Sources for Berkshire Hathaway Specialty Insurance vs CFC ### Sources About Berkshire Hathaway Specialty Insurance 1. [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. 2. [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. 3. [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. 4. [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. 5. [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. 6. [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. ### Sources About CFC 7. [About CFC](https://www.cfc.com/en-us/company/). CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16. 8. [Technology](https://www.cfc.com/en-us/products/industry/technology/). CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16. 9. [Technology — United States product brochure](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16. 10. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd's Syndicate 1988. Accessed 2026-09-23. 11. [Excess umbrella insurance cover | CFC](https://www.cfc.com/en-us/products/class/excess-umbrella/). 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 12. [Liability Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/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. 13. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). 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. 14. [Lines of Insurance](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm). 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. 15. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16. 16. [Products](https://kinro.com/products). Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16. Updated 2026-10-01. 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. ## Berkshire Hathaway Specialty Insurance Review Scores for 2026 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). ## CFC Review Scores for 2026 Review Score: not enough ratings. 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. - Insurance Times MGA survey: Insurance Times MGA rating (2024/25, broker survey) 4.76 (out of 5). UK broker survey of MGAs (Insurance Times, with the MGAA). Rates how brokers find CFC to work with. It is not a policyholder review. Period: 2024/25 survey; 'over 1,650 brokers' across all MGAs, not CFC alone. Checked 2026-09-29. [Five Star 2024/25 MGA Overall Ratings](https://www.insurancetimes.co.uk/ratings/mga-2024-ratings); [Five Star 2025/26 MGA Overall Ratings](https://www.insurancetimes.co.uk/ratings/mga-2025-ratings) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/cfc/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/umbrella-excess.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)