---
title: "Berkshire Hathaway Specialty Insurance vs Coalition: Professional Liability (E&O) Insurance"
description: "Berkshire Hathaway Specialty Insurance lists professional services and separate E&O products; Coalition sells MPL only as an add-on to certain Active Cyber policies."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-coalition/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-coalition"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "coalition"
coverage-line: "professional-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-coalition/professional-errors-omissions)

## Agent Guide

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

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: Berkshire Hathaway Specialty Insurance and Coalition.
- 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 Coalition](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-coalition) — parent: all coverage lines for this pair
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — coverage explainer for this line
- [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) — provider profile (evidence)
- [Coalition profile](https://spot.insure/insurance-providers/coalition) — provider profile (evidence)
- [Berkshire Hathaway Specialty Insurance vs Coalition Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-coalition/crime) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Coalition Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-coalition/cyber) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Coalition D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-coalition/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Coalition Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-coalition/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-coalition/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Coalition Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-coalition/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Coalition Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs Berkshire Hathaway Specialty Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs Coalition Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-coalition/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)

# Berkshire Hathaway Specialty Insurance vs Coalition: How Do They Compare for Professional Liability (E&O) Insurance?

Berkshire Hathaway Specialty Insurance lists professional services and separate E&O products; Coalition sells MPL only as an add-on to certain Active Cyber policies.

## Research Scope and Use

Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Coalition for Professional Liability (E&O) 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 lists MPL, technology E&O and lawyers liability in Professional First. Coalition’s MPL is an add-on to eligible Active Cyber policies and covers service-error defense, settlements and judgments. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/ "Professional First Professional Liability") [12](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability")

## 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 Coalition Insurance?

Coalition fits businesses that want cyber insurance bundled with free attack-surface monitoring and alerts, and technology companies that want Tech E&O alongside it. You can't buy it online yourself: you need an appointed broker, and the final price isn't published. [8](https://www.coalitioninc.com/control "Coalition Control") [9](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [10](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") [11](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation")

[Coalition profile](https://spot.insure/insurance-providers/coalition)

## What Is Professional Errors and Omissions (E&O) Insurance?

Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. [14](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [15](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [16](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [17](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance")

## Key Differences in Professional Liability (E&O) Insurance

### What the Published Offering Defines

Berkshire Hathaway Specialty Insurance lists Miscellaneous Professional Liability, Technology E&O and Lawyers Professional Liability among its Professional First lines. Coalition’s MPL has a narrower purchasing structure: it is available only with certain Active Cyber policies through appointed brokers, not as a stand-alone policy. A business should therefore check whether the cyber policy fits before considering Coalition’s E&O addition; with Berkshire Hathaway Specialty Insurance, identify which distinct professional line matches its services. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [12](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability")

### Buying and Policy Details to Resolve

Coalition says its MPL covers defense costs, settlements, judgments and other expenses for negligence, failure to provide services or misstatements, and its in-house claims team handles MPL and cyber claims together. Berkshire Hathaway Specialty Insurance describes an in-house claims group integrated with underwriting but does not make the same combined-claims statement in the reviewed record. Compare the exact professional-services trigger and ask how claims are coordinated under each placement. [12](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability") [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview")

## What to Confirm in Professional Liability (E&O) Insurance Quotes

- Does your Coalition Active Cyber policy qualify for the MPL add-on? [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [12](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability")
- Which Berkshire Hathaway Specialty Insurance professional form covers your service errors and who handles claims? [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [12](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability")

## Offering Details

| Criteria | Professional First Professional Liability portfolio | Coalition Miscellaneous Professional Liability (MPL) |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | Coalition designs and distributes MPL as an add-on coverage that combines with certain Active Cyber Insurance policies, sold through appointed brokers. [12](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability") (Evidence: Company-reported; scope: Miscellaneous Professional Liability product page as read on 2026-09-23..) |
| Issuing Insurer | Confirm in your quote. | Coalition's disclaimer page has named sections for admitted cyber, non-admitted cyber, and admitted executive risk, but no equivalent 'Admitted MPL' section, indicating MPL is placed on a non-admitted (surplus lines) basis with unaffiliated insurers the disclaimer does not name. [13](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") (Evidence: Not publicly disclosed; scope: U.S. Disclaimers page as read on 2026-09-23; the buyer's declarations page names the actual issuing insurer..) |
| Who It’s For | The overview names staffing firms, management consultants, marketing firms and real-estate firms as targeted customers for Miscellaneous Professional Liability; it separately lists law-firm size bands for Lawyers Professional Liability. [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: U.S. Professional First target statements; class-specific eligibility only..) | Coalition markets MPL to any business that performs professional services, naming examples such as consultants, marketing and PR firms, staffing firms, printers, interior decorators, photographers and videographers, and property managers. [12](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability") (Evidence: Company-reported; scope: Miscellaneous Professional Liability product page as read on 2026-09-23..) |
| Coverage Features | BHSI’s U.S. Professional First overview identifies Lawyers Professional Liability and Miscellaneous Professional Liability alongside Technology E&O and Media Liability. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/ "Professional First Professional Liability") (Evidence: Company-reported; scope: Portfolio catalogue statement; the specific legal/professional class and form must be selected rather than treating the offerings as one policy..)<br><br>For architects, engineers and consultants, BHSI describes a professional-liability form that also addresses pollution, media, technology and cyber/network-security exposures. [7](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/professional-firsttm-architects-engineers-and-consultants-professional-liability/ "Professional First Architects, Engineers and Consultants Professional Liability") (Evidence: Company-reported; scope: This is a specialized design-industry combined form, not generic E&O wording or proof that all risks receive each component..) | Coalition says MPL covers defense costs, settlements, judgments, and other expenses from claims of errors and omissions in professional services, including negligence, failure to provide service, and misstatements about the service performed, on a duty-to-defend basis even when the business is not ultimately at fault. [12](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability") (Evidence: Company-reported; scope: Miscellaneous Professional Liability product page as read on 2026-09-23; the issued policy controls actual terms..) |
| Risk Services | The Professional First overview describes its in-house claims handling group as experienced in complex, high-value claims and integrated with underwriting. [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: Company-reported portfolio-level claim-service description, not independently measured claims performance..) | Confirm in your quote. |
| How to Apply | Confirm in your quote. | Coalition sells MPL only as an addition to an Active Cyber Insurance quote, saying it takes just a few extra questions to add, rather than as a stand-alone policy. [12](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability") (Evidence: Company-reported; scope: Miscellaneous Professional Liability product page as read on 2026-09-23..) |
| Claims Support | Confirm in your quote. | Coalition says its in-house claims team manages both MPL and cyber claims in one place, which it describes as a smoother, more coordinated process for the policyholder. [12](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability") (Evidence: Company-reported; scope: Miscellaneous Professional Liability product page as read on 2026-09-23; speed and efficiency descriptions are company-reported and not independently verified..) |

## Full Comparison

- [Berkshire Hathaway Specialty Insurance vs Coalition](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-coalition): all coverage lines, business roles, service and claims.
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms.
- [Berkshire Hathaway Specialty Insurance vs Coalition Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-coalition/crime)
- [Berkshire Hathaway Specialty Insurance vs Coalition Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-coalition/cyber)
- [Berkshire Hathaway Specialty Insurance vs Coalition D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-coalition/directors-officers)
- [Berkshire Hathaway Specialty Insurance vs Coalition Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-coalition/employment-practices)
- [Berkshire Hathaway Specialty Insurance vs Coalition Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-coalition/fiduciary)
- [AIG vs Berkshire Hathaway Specialty Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/professional-errors-omissions)
- [AIG vs Coalition Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-coalition/professional-errors-omissions)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/professional-errors-omissions)
- [Alliance Risk vs Coalition Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-coalition/professional-errors-omissions)
- [Aon vs Berkshire Hathaway Specialty Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/professional-errors-omissions)
- [Aon vs Coalition Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-coalition/professional-errors-omissions)

## 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 Professional Liability](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/). Berkshire Hathaway Specialty Insurance; U.S. Professional Liability landing page links Professional Liability / Network Security & Privacy, stand-alone Network Security & Privacy, and Architects, Engineers and Consultants PL, lines 6–15; footer copyright © 2026.. Accessed 2026-09-28.
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: claims group and reporting; primary blended E&O/Cyber and stand-alone Cyber forms; line capacity statement; named Lawyers PL, Technology E&O, Miscellaneous PL, Media Liability, Network Security & Privacy; named technology-services target types and selection categories; dated 2026-06-03-A. Group capacity not a line policy limit. Source version: 2026-06-03-A.. Accessed 2026-09-28.
7. [Professional First Architects, Engineers and Consultants Professional Liability](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/professional-firsttm-architects-engineers-and-consultants-professional-liability/). Berkshire Hathaway Specialty Insurance; Product Highlights: professional/pollution liability; media, technology and cyber/network security/privacy liability; direct breach/extortion expenses; risk services; primary/excess and project-specific product availability; target professions, lines 6–29. Its combined-form technology feature is not itself a standalone Tech E&O statement.. Accessed 2026-09-28.

### Coalition

8. [Coalition Control](https://www.coalitioninc.com/control). Coalition; How We Help; Policyholder Features; Wirespeed ADR. Accessed 2026-09-16.
9. [Tech E&O Insurance Coverage](https://www.coalitioninc.com/technology-errors-and-omissions-insurance). Coalition; Who needs Technology Errors & Omissions coverage? (organizations that provide a technology product or service for a fee); Combine Technology Errors & Omissions coverage with Active Cyber Insurance; Coalition Advantage. Accessed 2026-09-16.
10. [How do I qualify for and buy cyber insurance from Coalition?](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition). Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16.
11. [U.S. Producer Compensation](https://www.coalitioninc.com/legal/producer-compensation). Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
12. [Miscellaneous Professional Liability](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance). Coalition; Why Miscellaneous Professional Liability?; MPL Advantage; What does MPL cover?; What types of claims does MPL protect against?; What types of businesses could benefit from MPL?; Why does 'Duty to Defend' coverage matter?. Accessed 2026-09-23.
13. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted Executive Risk (names Zurich American Insurance Company, NAIC 16535); no 'Admitted MPL' or 'Admitted Tech E&O' section appears on the page. Accessed 2026-09-23.

### Professional Liability (E&O) Insurance Guide

14. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
15. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
16. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
17. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.

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).

## Coalition Reviews

Review Score: 10.0 / 10 from 1 rated source, equally weighted.

Coalition has a BBB A+ grade. The reviewed independent sources did not establish a customer-star rating; the displayed RaveCapture collection is broker-focused. Its Trustpilot page has no reviews, and its best-looking rating comes from a review page the company arranges for brokers.

- BBB: BBB business grade A+. Coalition (BBB profile, San Francisco, CA); business grade, separate from customer-review stars. Checked 2026-09-29. [Coalition - BBB profile (San Francisco)](https://www.bbb.org/us/ca/san-francisco/profile/cyber-security/coalition-1116-956032); [Search: "Coalition" site:bbb.org insurance reviews ratings](https://www.google.com/search?q=%22Coalition%22+site%3Abbb.org+reviews+OR+complaints)
- RaveCapture: Broker review rating 5 (out of 5); 188 reviews. Verified broker and policyholder reviews of Coalition, collected through a third-party review-collection service. Checked 2026-09-29. [Coalition, Inc.: Broker Reviews](https://app.ravecapture.com/store/Coalition-inc-broker-reviews)
- BizInsuranceCompare: Editorial score 7.7 (out of 10). Independent small-business insurance comparison site editorial score; publisher-defined methodology. Checked 2026-09-29. [Coalition review: small business insurance](https://www.bizinsurancecompare.com/carriers/coalition)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/coalition/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-coalition/professional-errors-omissions.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)