Berkshire Hathaway Specialty Insurance vs 
Coverdash: How Do They Compare for Representations and Warranties 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. 1,2,3,4
Read the Berkshire Hathaway Specialty Insurance profile
Read the Berkshire Hathaway Specialty Insurance Representations and Warranties Insurance page
What Is Coverdash Insurance?
Coverdash suits small businesses that want online shopping or an embedded partner purchase with one account for policies and billing; firms needing specialized complex-risk advice should compare broker-led programs. 7,8,9
Read the Coverdash Representations and Warranties Insurance page
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. 11,12,13
What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Coverdash Representations and Warranties Insurance?
Insurer capacity versus broker placement
Berkshire Hathaway Specialty Insurance’s 2025 overview reports up to $25 million in Transactional Liability portfolio capacity, with retention and premium varying by deal size and risk. Coverdash arranges R&W quotes from an insurer panel and says buyer-side policies are more common because the buyer can recover directly from the insurer. The BHSI figure is a dated portfolio measure, not current capacity committed to this deal; ask BHSI what can now be offered and which Coverdash markets will review the transaction. 6 10
Escrow and transaction objective
Coverdash says R&W insurance can reduce or replace escrow and indemnity holdbacks; BHSI describes the same potential benefit as a way to reduce seller escrow while adding protection beyond negotiated caps and survival. Those are possible transaction effects, not guaranteed results. The buyer and seller should test the premium and retention against the holdback they plan to replace. 10 6
What Should You Confirm in Berkshire Hathaway Specialty Insurance and Coverdash Representations and Warranties Insurance Quotes?
Berkshire Hathaway Specialty Insurance and Coverdash Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Berkshire Hathaway Specialty Insurance Review Score
Review Score
No reviews found
The public ratings for Berkshire Hathaway Specialty Insurance are low but thin: Trustpilot shows 2.1 out of 5 from 9 reviews and BBB shows 1 out of 5 from 6. Both mix travel and commercial customers, so we don't count them in a score.[5][7]
Read Berkshire Hathaway Specialty Insurance reviewsCoverdash Review Score
Review Score
2 rated sources
Coverdash offers convenient quote comparison, but public customer feedback is sparse. A BBB unanswered-complaint record makes responsiveness worth checking before purchase.[1][4][6]
Read Coverdash reviewsBerkshire Hathaway Specialty Insurance vs Coverdash Representations and Warranties Compared
Berkshire Hathaway Specialty Insurance vs Coverdash: Representations and Warranties Insurance: documented features by provider
| Criteria | Transactional Liability Representations & Warranties Insurance | Coverdash Representations and Warranties Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | Coverdash arranges representations and warranties insurance quotes from its panel of insurers rather than underwriting the policy itself, as one of three products (alongside tax liability and contingent liability) on its transactional risk page. 10Company-reported. Coverdash's transactional risk product page, scoped to the reps and warranties card specifically, read together with the provider record's brokerage role. Does not identify which insurer would actually issue a given quote. |
| Issuing Insurer | Confirm in your quote. | The transactional risk page does not name an issuing insurer for representations and warranties coverage. Coverdash markets a panel of carriers generally, but not which one underwrites a particular reps and warranties quote. 10Not publicly disclosed. Checked the transactional risk product page on 2026-09-23; no insurer is disclosed there for this product. |
| Who It’s For | The current page lists manufacturing, financial institutions, technology, real estate, energy, healthcare and retail as transactional-liability target sectors. 5Company-reported. Portfolio target sectors, not R&W-only acceptability criteria. | Coverdash markets representations and warranties coverage to buyers, sellers and investors in mergers, acquisitions and private equity deals, describing it as a way to allocate deal risk and help close with confidence. 10Company-reported. Hero description and Who it's for section, read for the reps and warranties product specifically rather than the whole transactional risk category. |
| Coverage Features | BHSI’s current U.S. Transactional Liability page and linked overview name Representations and Warranties Insurance as a product. 5,6Company-reported. Direct U.S. product listing; final coverage depends on transaction-specific contract terms. The U.S. overview describes R&W insurance as adding protection beyond negotiated caps and survival periods and as potentially reducing seller escrow. 6Company-reported. Company-reported transactional use cases; not a promise of clean exit, outcome or standardized policy response. | Coverdash describes representations and warranties insurance as covering losses from a breach of the representations and warranties made in a deal, specifically breaches of the seller's representations and warranties. 10Company-reported. Reps and warranties Types of Coverage card and the FAQ answer to 'What's covered?'; exclusions, retentions and claims conditions are not described and would appear on the issued policy. Coverdash says either the buyer or the seller in an M&A transaction can buy representations and warranties coverage, and that buy-side policies are the more common choice because they let the buyer recover directly from the insurer. 10Company-reported. FAQ answer to 'Who buys reps and warranties coverage?'. Coverdash says using representations and warranties insurance can reduce or replace escrow and indemnity holdbacks in a deal, and that it helps protect the buyer-seller relationship and close deals faster. 10Company-reported. FAQ answer to 'Why use transactional risk insurance?'; applies to the reps and warranties product specifically. |
| 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. 6Company-reported. Portfolio-wide underwriting capacity, not a guaranteed R&W limit or quote; document dated 2025-05-16-A. | The transactional risk page does not publish limit, retention or premium amounts for representations and warranties coverage. 10Not publicly disclosed. Checked the transactional risk product page on 2026-09-23; limits and retentions are not shown there and would appear on a quote. |
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Representations and Warranties Pages for Berkshire Hathaway Specialty Insurance and Coverdash
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Other Representations and Warranties Insurance Provider Comparisons
Sources for Berkshire Hathaway Specialty Insurance vs Coverdash
Sources About Berkshire Hathaway Specialty Insurance
- At A Glance. Berkshire Hathaway Specialty Insurance; United States section, zero-based PDF pages 49–53 (viewer pages 50–54): product/industry lists on pages 49–50; U.S. disclosure/version footer on page 53 is 2026-8-03 A. The 2026-09-14 A footer is on preceding European page 48, not the U.S. section. Accessed 2026-09-29.
- About Us. Berkshire Hathaway Specialty Insurance; About BHSI; company profile page re-opened through official site on 2026-09-28; company says it is part of National Indemnity group. Accessed 2026-09-28.
- Terms of Service. Berkshire Hathaway Specialty Insurance; Important Information Concerning Use of this Web Site, paragraphs 2–4; nonbinding submissions, contracted-agent authority, state variation, product availability and policy-specific terms. Accessed 2026-09-28.
- Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch. Berkshire Hathaway Specialty Insurance; Singapore branch public disclosure, Company Profile ¶¶ 1–2; direct page opened 2026-09-28. ¶ 1 identifies BHSIC as a Nebraska-domiciled direct P&C insurer; ¶ 2 states BHSIC is wholly owned by National Indemnity Company, itself wholly owned by Berkshire Hathaway Incorporated. Accessed 2026-09-28.
- 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.
- Transactional Liability Overview. 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 Coverdash
- Frequently Asked Questions. Coverdash; Getting a quote & buying coverage; Claims & certificates; Billing & managing your policy; About Coverdash. Accessed 2026-09-15.
- About Us. Coverdash; How Coverdash Works: direct and embedded channels; Our Investors. Accessed 2026-09-15.
- Terms And Conditions. Coverdash; Sections 1–2 (entities, broker-of-record and exclusivity), 10 (policy controls coverage), 12–13 (producer role and payment before binding), 15–17 (no underwriting; certificates; summaries), 32 (automatic payments). Accessed 2026-09-15.
- Transactional Risk Insurance. Coverdash; Hero description; 'Reps and warranties' card under Types of Coverage (the tax-liability and contingent-liability cards on this page are separate products and are not used here); Who it's for; FAQ: Who buys reps and warranties coverage?, Why use transactional risk insurance?, What's covered? Accessed 2026-09-23.
Sources for the Representations and Warranties Insurance Guide
- Transaction liability insurance | Representation and indemnities insurance. 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.
- Mergers & Acquisitions. Beazley; Product overview: buyer and seller protection for inaccuracies in representations or warranties. Accessed 2026-09-16.
- Transactional Risk Insurance. Coverdash; Transactional risk insurance; representations and warranties coverage; buy-side policies; tax and contingent liability products. Accessed 2026-09-16.
