---
title: "Berkshire Hathaway Specialty Insurance vs Chubb: Cyber Insurance"
description: "Berkshire Hathaway Specialty Insurance offers standalone network security or blended E&O/cyber; Chubb lists adjustable endorsements for systemic events, ransomware, and neglected software."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/cyber"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-chubb"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "chubb"
coverage-line: "cyber"
---

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[Human-readable page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/cyber)

## Agent Guide

**What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and Chubb for Cyber 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 Cyber Insurance questions about Berkshire Hathaway Specialty Insurance versus Chubb. 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 Chubb for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, Berkshire Hathaway Specialty Insurance or Chubb?
- What does Berkshire Hathaway Specialty Insurance or Chubb publish about Cyber Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Cyber Insurance from Berkshire Hathaway Specialty Insurance or Chubb?

**Key facts:**
- Line: Cyber Insurance. Providers: Berkshire Hathaway Specialty Insurance and Chubb.
- 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 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Berkshire Hathaway Specialty Insurance vs Chubb](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb) — parent: all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — coverage explainer for this line
- [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) — provider profile (evidence)
- [Chubb profile](https://spot.insure/insurance-providers/chubb) — provider profile (evidence)
- [Berkshire Hathaway Specialty Insurance vs Chubb Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/crime) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Chubb D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Chubb Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Chubb Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Chubb General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/general-liability) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Chubb Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Chubb Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Cyber Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs Chubb Cyber Insurance](https://spot.insure/compare/aig-vs-chubb/cyber) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/cyber) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Chubb Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/cyber) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Berkshire Hathaway Specialty Insurance Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/cyber) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Chubb Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/cyber) — sibling comparison (other line, or other pair for this line)

# Berkshire Hathaway Specialty Insurance vs Chubb: How Do They Compare for Cyber Insurance?

Berkshire Hathaway Specialty Insurance offers standalone network security or blended E&O/cyber; Chubb lists adjustable endorsements for systemic events, ransomware, and neglected software.

## Research Scope and Use

Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Chubb for Cyber 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.

## Summary

Berkshire Hathaway Specialty Insurance offers standalone network security or blended E&O/cyber; Chubb lists adjustable endorsements for systemic events, ransomware, and neglected software. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/ "Professional First Network Security & Privacy Policy") [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

## 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 Chubb?

Chubb fits technology firms seeking DigiTech ERM or small businesses with up to $30 million in revenue seeking a BOP; buyers wanting an instant direct purchase should compare online carriers. Agents can quote eligible small accounts, with a faster cyber route. [7](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [8](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

[Chubb profile](https://spot.insure/insurance-providers/chubb)

## What Is Cyber Insurance?

Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. [11](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance") [12](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf "CyberEdge specimen policy")

## Key Differences in Cyber Insurance

### Form, Coverage, and Limits

Berkshire Hathaway Specialty Insurance describes both standalone Network Security & Privacy and blended E&O/Cyber forms, with response, extortion, interruption, and third-party breach exposures. Chubb’s Cyber ERM lists first-party response and interruption, third-party liability, and crime by endorsement; it also offers separate systemic-event, ransomware, and software-patching endorsements. Buyers should compare form structure and how those tailored retentions and limits alter a specific claim. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/ "Professional First Network Security & Privacy Policy") [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

### Services, Eligibility, and Buying Route

Chubb offers Cyber Central or Marketplace routes for different account sizes, plus incident-response providers, hotline, and threat intelligence resources. BHSI names professional-services firms and selected technology, telecom, and financial companies. Confirm whether the Chubb quote uses an endorsement and how its limits differ from the base; do the same for BHSI’s selected standalone or blended form. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/ "Professional First Network Security & Privacy Policy") [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

## What to Confirm in Cyber Insurance Quotes

- Ask Chubb which systemic-event, ransomware, and software endorsements are selected and what separate limits and retentions they carry.
- Ask Berkshire Hathaway Specialty Insurance which product form and response-cost limits apply to your business and whether eRiskHub access is included.

## Offering Details

| Criteria | Professional First Network Security & Privacy | Chubb Cyber Insurance (Cyber Enterprise Risk Management) |
| --- | --- | --- |
| Role in This Line | BHSI describes both a stand-alone Network Security & Privacy policy and blended E&O/Cyber forms in Professional First. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/ "Professional First Network Security & Privacy Policy") [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") (Evidence: Company-reported; scope: Form selection depends on the risk and proposal; the overview does not establish issuance for an individual applicant..) | Chubb underwrites Cyber Enterprise Risk Management (Cyber ERM) directly. It covers cyber, privacy and media exposures for organizations of any size that handle sensitive data or run a network or website. [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Cyber Insurance Coverage & Products page, Cyber Enterprise Risk Management section..) |
| Issuing Insurer | Confirm in your quote. | The reviewed pages describe Chubb as the carrier but do not name the specific Chubb-group underwriting entity for cyber policies; the issued policy would name the entity. [10](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance for Businesses") [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Not found in reviewed sources; scope: Both cyber pages as read on 2026-09-23..) |
| Who It’s For | The Network Security & Privacy page names professional-services firms among its targets; the overview separately lists technology, telecom and financial-sector customers in targeted or selective categories. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/ "Professional First Network Security & Privacy Policy") [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") (Evidence: Company-reported; scope: The overview’s class lists have different appetite labels; neither is a blanket eligibility rule..) | Chubb says there are no minimum premiums and premiums scale for all risk sizes, offers Cyber Central and Marketplace quoting for risks under $100 million in revenue, and a customizable large-account cyber risk management solution for organizations over $1 billion in revenue. [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Cyber Insurance Coverage & Products page eligibility and quoting description..) |
| Coverage Features | BHSI markets third-party breach exposures, direct breach-response and extortion expenses, and business interruption from a network-security failure. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/ "Professional First Network Security & Privacy Policy") (Evidence: Company-reported; scope: The product page is a coverage summary; conditions, sublimits and exclusions require the policy and endorsements..) | Chubb lists first-party cyber incident response fund, business interruption (with contingent business interruption for outsourced technology providers), digital data recovery, and network extortion; third-party cyber/privacy/network security liability, payment card loss, regulatory proceedings and media liability; and cyber crime coverages (computer fraud, funds transfer fraud, social engineering fraud) available by endorsement. [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Cyber insurance coverage list on the products page; subject to exclusions and the policy as issued..)<br><br>Chubb offers a Widespread Event Endorsement with separate limits and retentions for systemic cyber events, a Ransomware Encounter Endorsement that lets buyers tailor limits and retentions for ransomware losses, and a Neglected Software Exploit Endorsement that gives a 45-day grace period to patch published vulnerabilities before risk-sharing shifts toward the policyholder. [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Innovative coverage concepts section; endorsement availability depends on underwriting..) |
| Limits and Retentions | Confirm in your quote. | The reviewed pages do not publish specific per-policy limit or retention amounts; Chubb says it can build large insurance tower programs with substantial primary limits for organizations over $1 billion in revenue but gives no figures. [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Not found in reviewed sources; scope: Cyber Insurance Coverage & Products page as read on 2026-09-23..) |
| Risk Services | BHSI lists eRiskHub as a resource with its Network Security & Privacy product. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/ "Professional First Network Security & Privacy Policy") (Evidence: Company-reported; scope: The product-page listing does not define the resource’s service scope or confirm availability on an individual policy..) | Chubb says cyber policyholders get access to a panel of pre-approved incident response providers, a 24/7 hotline and Cyber Alert app, a Cyber Threat Intelligence Team, a Vulnerability Management Outreach program, and the Chubb Cyber Index for trend and cost data. [10](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance for Businesses") (Evidence: Company-reported; scope: Cyber Insurance for Businesses page, Cyber Services and Beyond Risk Transfer sections..) |
| How to Apply | Confirm in your quote. | Agents and brokers can quote cyber alone through Cyber Central or bundled with other lines through Chubb Marketplace; multinational programs can be serviced locally in more than 35 countries. [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Cyber Insurance Coverage & Products page quoting section..) |
| Claims Support | Confirm in your quote. | Chubb reports 24/7 incident response availability by hotline or its Cyber Alert app, and publishes an annual Cyber Claims Landscape report analyzing claim frequency, severity and ransomware trends. [10](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html "Cyber Insurance for Businesses") (Evidence: Company-reported; scope: Cyber Insurance for Businesses page; claims scenarios and report are company-reported..) |

## Full Comparison

- [Berkshire Hathaway Specialty Insurance vs Chubb](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [Berkshire Hathaway Specialty Insurance vs Chubb Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/crime)
- [Berkshire Hathaway Specialty Insurance vs Chubb D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/directors-officers)
- [Berkshire Hathaway Specialty Insurance vs Chubb Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/employment-practices)
- [Berkshire Hathaway Specialty Insurance vs Chubb Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/fiduciary)
- [Berkshire Hathaway Specialty Insurance vs Chubb General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/general-liability)
- [Berkshire Hathaway Specialty Insurance vs Chubb Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/inland-marine)
- [Berkshire Hathaway Specialty Insurance vs Chubb Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/professional-errors-omissions)
- [AIG vs Berkshire Hathaway Specialty Insurance Cyber Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/cyber)
- [AIG vs Chubb Cyber Insurance](https://spot.insure/compare/aig-vs-chubb/cyber)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/cyber)
- [Alliance Risk vs Chubb Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/cyber)
- [Amelia Risk vs Berkshire Hathaway Specialty Insurance Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/cyber)
- [Amelia Risk vs Chubb Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-chubb/cyber)

## Sources

### 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. [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, lines 6–19: third-party breach exposures, regulatory investigations, direct response/extortion expense, electronic-content media liability and network-security business interruption; target professional services. Retained canonical source record accessed 2026-09-28; direct re-open failed in this session.. Accessed 2026-09-28.
6. [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: separately named Professional First Media Liability and Network Security & Privacy; targeted customer categories; in-house claims handling; product portfolio descriptions. Version 2026-06-03-A; re-opened 2026-09-30.. Accessed 2026-09-30.

### Chubb

7. [Insurance For Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
8. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
9. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Cyber Enterprise Risk Management target clients and product features; Cyber insurance coverage first-party and third-party lists; Cyber crime by endorsement; quoting via Cyber Central and Marketplace. Accessed 2026-09-23.
10. [Cyber Insurance for Businesses](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance.html). Chubb; Cyber Services section; Incident response section; 24/7 hotline and Cyber Alert app; "95% of Fortune 1000 companies are Chubb insured". Accessed 2026-09-23.

### Cyber Insurance Guide

11. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
12. [CyberEdge specimen policy](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf). AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.

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.

## 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).

## Chubb Reviews

Review Score: 6.9 / 10 from 5 rated sources, equally weighted.

Chubb earns 5/5 from NerdWallet, which reports fewer-than-expected commercial property and liability complaints. Customer ratings are mixed across products and locations.

- NerdWallet: NerdWallet editorial rating 5.0 (5 stars). Chubb identity; US commercial insurance review/satisfaction evidence sought on NerdWallet. Period: updated 2026-05-14. Checked 2026-09-25. [Chubb Business Insurance Review 2026: Top-Rated Company, Customizable BOP](https://www.nerdwallet.com/business/insurance/learn/chubb-small-business-insurance)
- Trustpilot: TrustScore 4.2 (5 stars); 3345 reviews. Chubb identity; US commercial insurance review/satisfaction evidence sought on Trustpilot. Checked 2026-09-25. [Chubb (European Region) Reviews](https://www.trustpilot.com/review/www.chubb.com)
- Google: Google star rating 2.0 (5 stars); 8 reviews. One Chubb Group local listing at 701 5th Ave, Seattle, Washington; profile-level feedback is not firmwide, not line-specific, and may include personal policies/claims. Checked 2026-09-25. [Chubb Group of Insurance Companies — Google reviews via Birdeye](https://reviews.birdeye.com/chubb-group-of-insurance-companies-149396582765159)
- ConsumerAffairs: ConsumerAffairs star rating 1.8 (5 stars); 20 reviews. ConsumerAffairs page for U.S. Chubb auto insurance (personal auto); not commercial-policy feedback. Period: page updated 2026-08-14. Checked 2026-09-25. [Chubb Auto Insurance Reviews](https://www.consumeraffairs.com/insurance/chubb.html)
- MoneyGeek: MoneyGeek customer score 4.2 (5 points). MoneyGeek’s U.S. small-business insurance customer-review analysis; publisher describes it as cross-source review analysis and does not isolate one commercial line. Period: 2026 review; MoneyGeek reports over 1,100 reviews, collection period not stated. Checked 2026-09-25. [Chubb Business Insurance Review (2026 Ratings)](https://www.moneygeek.com/insurance/business/chubb-review/)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/chubb/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/cyber.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)