---
title: "Berkshire Hathaway Specialty Insurance vs Chubb: Representations and Warranties Insurance"
description: "Berkshire Hathaway Specialty Insurance says R&W may extend protection beyond negotiated caps and survival periods; Chubb describes buyer-side protection against seller collectability risk and seller-side indemnity backstops."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/representations-warranties"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-chubb"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "chubb"
coverage-line: "representations-warranties"
---

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

## Agent Guide

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

**Key facts:**
- Line: Representations and Warranties 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 2026-10-01. 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
- [Representations and Warranties Insurance guide](https://spot.insure/coverage/representations-warranties) — 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 Builders Risk Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Chubb Cargo and Transit Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Chubb Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/commercial-property) — sibling comparison (other line, or other pair for this line)
- [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 Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/cyber) — 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)
- [Berkshire Hathaway Specialty Insurance vs Chubb Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Chubb Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Chubb Umbrella and Excess Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/representations-warranties) — sibling comparison (other line, or other pair for this line)
- [AIG vs Chubb Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-chubb/representations-warranties) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Berkshire Hathaway Specialty Insurance Representations and Warranties Insurance](https://spot.insure/compare/baldwin-vs-berkshire-hathaway-specialty-insurance/representations-warranties) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Chubb Representations and Warranties Insurance](https://spot.insure/compare/baldwin-vs-chubb/representations-warranties) — sibling comparison (other line, or other pair for this line)
- [Beazley vs Berkshire Hathaway Specialty Insurance Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-berkshire-hathaway-specialty-insurance/representations-warranties) — sibling comparison (other line, or other pair for this line)
- [Beazley vs Chubb Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-chubb/representations-warranties) — sibling comparison (other line, or other pair for this line)

# Berkshire Hathaway Specialty Insurance vs Chubb: How Do They Compare for Representations and Warranties Insurance?

Berkshire Hathaway Specialty Insurance says R&W may extend protection beyond negotiated caps and survival periods; Chubb describes buyer-side protection against seller collectability risk and seller-side indemnity backstops.

## How to Use the Berkshire Hathaway Specialty Insurance vs Chubb Representations and Warranties Insurance Comparison

Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Chubb for Representations and Warranties 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 Chubb Representations and Warranties Insurance Summary

Both insurers describe R&W as changing negotiated deal indemnity exposure; Chubb identifies seller collectability risk for buyers, while BHSI notes potential escrow reduction. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Transactional-Liability-Overview-US.pdf "Transactional Liability Overview") [10](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) 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](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 Representations and Warranties Insurance?

Representations and warranties insurance can cover a buyer’s or seller’s loss from inaccurate statements in a stock or asset purchase agreement. For a business sale, check who is insured, who can recover and how known issues are treated. [12](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability insurance | Representation and indemnities insurance") [13](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") [14](https://www.coverdash.com/coverage/transactional-risk "Transactional Risk Insurance")

## What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Chubb Representations and Warranties Insurance?

### Deal indemnity and party concerns

Berkshire Hathaway Specialty Insurance describes R&W as extending protection beyond negotiated caps and survival periods and potentially reducing seller escrow. Chubb says a buyer-side policy can protect beyond the seller’s cap and survival limits and address seller collectability or solvency risk; its seller-side policy can backstop indemnity obligations and protect passive sellers from joint liability. Deal counsel should decide which negotiated exposure matters before comparing the two structures. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Transactional-Liability-Overview-US.pdf "Transactional Liability Overview") [10](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance")

### Covered breach and retention

Chubb describes financial-loss and defense-cost protection for certain unknown, unintentional seller representation breaches above a retention. BHSI’s overview identifies R&W as a product but does not provide equivalent trigger or retention details in the claims reviewed. The actual policy language will determine which breaches qualify and how much loss remains with the insured. [10](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance") [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/transactional-liability/ "Transactional Liability")

## What Should You Confirm in Berkshire Hathaway Specialty Insurance and Chubb Representations and Warranties Insurance Quotes?

- Ask Chubb to define covered breaches, retention and any exclusions for the deal. [10](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance")
- Ask BHSI for buyer-side and seller-side terms and the survival periods covered. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Transactional-Liability-Overview-US.pdf "Transactional Liability Overview")
- Confirm how the policy interacts with the negotiated indemnity cap and escrow. [10](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance") [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Transactional-Liability-Overview-US.pdf "Transactional Liability Overview")

## Berkshire Hathaway Specialty Insurance vs Chubb Representations and Warranties Compared

| Criteria | Transactional Liability Representations & Warranties Insurance | Chubb Representations and Warranties (R&W) Insurance |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | Chubb underwrites representations and warranties (R&W) insurance directly, available to either buyers or sellers in an acquisition or merger transaction. [10](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance") (Evidence: Company-reported; scope: R&W Insurance product page..) |
| Who It’s For | The current page lists manufacturing, financial institutions, technology, real estate, energy, healthcare and retail as transactional-liability target sectors. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/transactional-liability/ "Transactional Liability") (Evidence: Company-reported; scope: Portfolio target sectors, not R&W-only acceptability criteria..) | Chubb's R&W product is part of its broader transactional risk suite serving large U.S. and Canadian multinational companies and their brokers; the reviewed pages do not state a minimum deal size for R&W specifically. [11](https://www.chubb.com/us-en/business-insurance/multinational-for-large-companies.html "Multinational Insurance Coverage and Solutions for Large Accounts") (Evidence: Company-reported; scope: Multinational large-accounts page Specialty Coverage list; R&W page does not itself state deal-size eligibility..) |
| Coverage Features | BHSI’s current U.S. Transactional Liability page and linked overview name Representations and Warranties Insurance as a product. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/transactional-liability/ "Transactional Liability") [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Transactional-Liability-Overview-US.pdf "Transactional Liability Overview") (Evidence: Company-reported; scope: Direct U.S. product listing; final coverage depends on transaction-specific contract terms..)<br><br>The U.S. overview describes R&W insurance as adding protection beyond negotiated caps and survival periods and as potentially reducing seller escrow. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Transactional-Liability-Overview-US.pdf "Transactional Liability Overview") (Evidence: Company-reported; scope: Company-reported transactional use cases; not a promise of clean exit, outcome or standardized policy response..) | Chubb says the policy protects against financial losses, including defense costs, in excess of a retention, for certain unintentional and unknown breaches of the seller's representations and warranties made in the acquisition or merger agreement. [10](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance") (Evidence: Company-reported; scope: R&W Insurance product page opening description and footnote..)<br><br>For buyer-side policies, Chubb lists benefits including protection beyond the negotiated indemnity cap and survival limitations, protection against a seller's collectability or solvency risk, and support for distinguishing a bid in a competitive auction by requiring shorter survival periods and lower liability caps from the seller. [10](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance") (Evidence: Company-reported; scope: Benefits of a Buyer-Side R&W Insurance Policy section..)<br><br>For seller-side policies, Chubb says the coverage backstops negotiated indemnity obligations, which it calls a key benefit for private equity or venture capital funds at the end of their life cycle, and protects minority or passive sellers concerned about joint and several liability. [10](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance") (Evidence: Company-reported; scope: Benefits of a Seller-Side R&W Insurance Policy section..) |
| Limits and Retentions | The 2025 U.S. Transactional Liability overview states portfolio capacity up to $25 million and says premiums/retentions vary with transaction size and risks. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Transactional-Liability-Overview-US.pdf "Transactional Liability Overview") (Evidence: Company-reported; scope: Portfolio-wide underwriting capacity, not a guaranteed R&W limit or quote; document dated 2025-05-16-A..) | The reviewed pages state that coverage applies in excess of a retention but do not publish specific limit, retention or premium figures; Chubb describes R&W policies as negotiated deal-by-deal. [10](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance") (Evidence: Not found in reviewed sources; scope: R&W Insurance product page as read on 2026-09-23..) |
| How to Apply | Confirm in your quote. | R&W insurance is placed through Chubb's transactional risk team working with the deal's buyer, seller and their brokers; the product page directs interested businesses to request a quote. [10](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html "Representations and Warranties (R&W) Insurance") (Evidence: Company-reported; scope: R&W Insurance product page quote call-to-action..) |

## Related Pages for Berkshire Hathaway Specialty Insurance vs Chubb

- [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 Representations and Warranties Insurance?](https://spot.insure/coverage/representations-warranties): Representations and warranties insurance can cover loss from inaccurate statements in a business purchase agreement; known issues and purchase-price disputes require separate review.
- [Berkshire Hathaway Specialty Insurance vs Chubb Builders Risk Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/builders-risk)
- [Berkshire Hathaway Specialty Insurance vs Chubb Cargo and Transit Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/cargo-transit)
- [Berkshire Hathaway Specialty Insurance vs Chubb Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/commercial-property)
- [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 Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/cyber)
- [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)
- [Berkshire Hathaway Specialty Insurance vs Chubb Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/surety-bonds)
- [Berkshire Hathaway Specialty Insurance vs Chubb Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/technology-errors-omissions)
- [Berkshire Hathaway Specialty Insurance vs Chubb Umbrella and Excess Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/umbrella-excess)
- [AIG vs Berkshire Hathaway Specialty Insurance Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/representations-warranties)
- [AIG vs Chubb Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-chubb/representations-warranties)
- [The Baldwin Group vs Berkshire Hathaway Specialty Insurance Representations and Warranties Insurance](https://spot.insure/compare/baldwin-vs-berkshire-hathaway-specialty-insurance/representations-warranties)
- [The Baldwin Group vs Chubb Representations and Warranties Insurance](https://spot.insure/compare/baldwin-vs-chubb/representations-warranties)
- [Beazley vs Berkshire Hathaway Specialty Insurance Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-berkshire-hathaway-specialty-insurance/representations-warranties)
- [Beazley vs Chubb Representations and Warranties Insurance](https://spot.insure/compare/beazley-vs-chubb/representations-warranties)

## Sources for Berkshire Hathaway Specialty Insurance vs Chubb

### 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. [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.
6. [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.

### Sources About 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 insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
10. [Representations and Warranties (R&W) Insurance](https://www.chubb.com/us-en/business-insurance/transactional-risks-representations-warranties-insurance.html). Chubb; R&W Policy Highlights; Benefits of a Buyer-Side R&W Insurance Policy; Benefits of a Seller-Side R&W Insurance Policy. Accessed 2026-09-23.
11. [Multinational Insurance Coverage and Solutions for Large Accounts](https://www.chubb.com/us-en/business-insurance/multinational-for-large-companies.html). Chubb; Specialty Coverage list: Representations & Warranties named among specialty coverages for large US and Canadian multinational companies. Accessed 2026-09-23.

### Sources for the Representations and Warranties Insurance Guide

12. [Transaction liability insurance | Representation and indemnities insurance](https://www.cfc.com/en-us/products/class/transaction-liability/). CFC; What are representations and warranties?; Who should buy representation and warranty insurance?; Available to buyers & sellers; Limited seller security; Is transaction liability insurance available to sellers. Accessed 2026-09-16.
13. [Mergers & Acquisitions](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions). Beazley; Product overview: buyer and seller protection for inaccuracies in representations or warranties. Accessed 2026-09-16.
14. [Transactional Risk Insurance](https://www.coverdash.com/coverage/transactional-risk). Coverdash; Transactional risk insurance; representations and warranties coverage; buy-side policies; tax and contingent liability products. 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).

## Chubb Review Scores for 2026

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/representations-warranties.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)