---
title: "Berkshire Hathaway Specialty Insurance vs Embroker: Fiduciary Liability Insurance"
description: "Berkshire Hathaway Specialty Insurance offers fiduciary inside Executive First; Embroker quotes standalone limits up to $20 million."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-embroker"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "embroker"
coverage-line: "fiduciary"
---

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

## Agent Guide

**What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and Embroker for Fiduciary Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Fiduciary Liability Insurance questions about Berkshire Hathaway Specialty Insurance versus Embroker. 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 Embroker for Fiduciary Liability Insurance: how do they differ?
- Which is better for Fiduciary Liability Insurance, Berkshire Hathaway Specialty Insurance or Embroker?
- What does Berkshire Hathaway Specialty Insurance or Embroker publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Fiduciary Liability Insurance from Berkshire Hathaway Specialty Insurance or Embroker?

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

# Berkshire Hathaway Specialty Insurance vs Embroker: How Do They Compare for Fiduciary Liability Insurance?

Berkshire Hathaway Specialty Insurance offers fiduciary inside Executive First; Embroker quotes standalone limits up to $20 million.

## Research Scope and Use

Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Embroker for Fiduciary Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Berkshire Hathaway Specialty Insurance places fiduciary with D&O, EPL, crime, and employed-lawyer insurance in Executive First. Embroker sells fiduciary standalone or most commonly with D&O and EPL, and says policies can reach $20 million; it reports typical annual premiums of $500 to $2,500. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") [10](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works")

## 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 Embroker?

Embroker suits technology firms seeking a single application for management coverage plus eligible Tech E&O and cyber, and law firms seeking a grouped package; buyers needing only standard small-business coverage should compare direct carriers. [7](https://www.embroker.com/ "Embroker") [8](https://www.embroker.com/terms/ "Terms And Conditions") [9](https://access.embroker.com/ "Embroker Access")

[Embroker profile](https://spot.insure/insurance-providers/embroker)

## What Is Fiduciary Liability Insurance?

Fiduciary liability can protect your company and plan fiduciaries when participants claim mishandling of an employee benefit plan. If you sponsor a retirement or health plan, check who is insured and whether both administration errors and fiduciary-breach claims are addressed. [11](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf "Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements") [12](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9 "Fiduciary Liability") [13](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance")

## Key Differences in Fiduciary Liability Insurance

### Scope of the Policy

Embroker provides a fiduciary limit ceiling and premium range, while Berkshire Hathaway Specialty Insurance advertises up to $50 million across a shared or separately structured portfolio. Those amounts cannot be compared without an EPL/D&O allocation and the plan’s assets. Embroker says pricing depends partly on plan assets, limits, and service-provider quality. Trustees should therefore send a current asset statement and list administrators when seeking a comparable quote. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") [10](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works")

### Program and Placement

Embroker targets organizations offering health, retirement, or stock-option benefits and says very small businesses without plans generally do not need the coverage. Berkshire Hathaway Specialty Insurance targets private companies with at least $10 million revenue among its broader portfolio audience. A sponsor should establish whether its plan and provider arrangements meet each insurer’s underwriting appetite. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") [10](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works")

## What to Confirm in Fiduciary Liability Insurance Quotes

- Ask Embroker for a firm quote, insurer, and retention based on your plan assets and service providers. Ask Berkshire Hathaway Specialty Insurance to show the fiduciary sublimit and whether D&O or EPL claims reduce it. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") [10](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works")

## Offering Details

| Criteria | Fiduciary Liability in Executive First Private Company Portfolio | Embroker Fiduciary Liability Insurance |
| --- | --- | --- |
| Role in This Line | BHSI lists fiduciary liability as a component of its Executive First Private Company Portfolio comprehensive form with D&O, EPL, Commercial Crime and employed-lawyer insurance. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") (Evidence: Company-reported; scope: This is a marketed portfolio component; the source does not say every line is required or that limits are shared..) | Embroker sells fiduciary liability as a standalone policy and says it is most commonly bundled with directors and officers and employment practices liability coverage. [10](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: Product-page description; not a statement about the issuing insurer..) |
| Who It’s For | The portfolio targets private companies with at least $10 million in revenue and names construction, manufacturing, wholesale, retail, service, technology and transportation sectors. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") (Evidence: Company-reported; scope: These are portfolio target-account statements, not guaranteed fiduciary eligibility..)<br><br>BHSI identifies large commercial and financial firms with complex risk-transfer needs as targets for this fiduciary policy. [6](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/fiduciary-liability-policy/ "Executive First Fiduciary Liability Policy") (Evidence: Company-reported; scope: A target segment does not guarantee eligibility for an applicant or plan..) | Embroker targets companies that provide medical, dental, vision or other benefits, or that offer retirement plans or stock options, and says very small businesses without benefit plans generally don't need the coverage. [10](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: Product-page eligibility description; not a guarantee of coverage for a particular business..) |
| Coverage Features | BHSI names fiduciary liability as one component of the Executive First Private Company Portfolio. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") (Evidence: Company-reported; scope: The source does not describe the fiduciary insuring agreement, covered plans or insured parties..)<br><br>BHSI’s Executive First Fiduciary Liability Policy page lists full settlor coverage, Affordable Care Act gap coverage, and coverage for fines and penalties; it says specialized defense counsel is recommended but not required. [6](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/fiduciary-liability-policy/ "Executive First Fiduciary Liability Policy") (Evidence: Company-reported; scope: These are company-described product highlights. Applicable law, policy wording, conditions and exclusions govern a given plan or claim..) | Embroker lists coverage for errors and omissions in administering benefit plans and imprudent selection of investments or third-party service providers, and says most newly created or acquired plans get automatic coverage. [10](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: Product-page What's covered section; the issued policy and declarations control..)<br><br>Embroker says the policy excludes criminal activity such as embezzlement, outside advisors or administrators hired to manage the benefit plans, and failure to fund a plan in accordance with ERISA. [10](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: Product-page What's not included section..) |
| Limits and Retentions | BHSI advertises shared or separate limits up to $50 million for the portfolio. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") (Evidence: Company-reported; scope: The source does not give a fiduciary-specific limit or explain allocation among components..) | Embroker says fiduciary liability premiums typically range from $500 to $2,500 per year and that policies can cover as much as $20 million, driven mainly by total plan assets under management, the policy limit and the quality of service providers. [10](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: Product-page 'What does Fiduciary Liability cost?' section; actual pricing and limits depend on underwriting..) |
| Risk Services | Confirm in your quote. | The reviewed fiduciary liability page does not describe dedicated risk-control or plan-administration review services beyond general references to the Embroker Resource Hub and chat support. [10](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Not found in reviewed sources; scope: Product page as read on 2026-09-23..) |
| How to Apply | Confirm in your quote. | Embroker offers an online quote for fiduciary liability through its digital platform. [10](https://www.embroker.com/coverage/fiduciary-liability-insurance/ "Fiduciary Liability Insurance: What Is It & How It Works") (Evidence: Company-reported; scope: Product-page 'Quick quotes' feature description; no quote was requested during this research..) |

## Full Comparison

- [Berkshire Hathaway Specialty Insurance vs Embroker](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker): all coverage lines, business roles, service and claims.
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability can protect your company and plan fiduciaries from covered claims about benefit-plan management; check who is insured and whether administration errors are included.
- [Berkshire Hathaway Specialty Insurance vs Embroker Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/crime)
- [Berkshire Hathaway Specialty Insurance vs Embroker Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/cyber)
- [Berkshire Hathaway Specialty Insurance vs Embroker D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/directors-officers)
- [Berkshire Hathaway Specialty Insurance vs Embroker Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/employment-practices)
- [Berkshire Hathaway Specialty Insurance vs Embroker General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/general-liability)
- [Berkshire Hathaway Specialty Insurance vs Embroker Product Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/product-liability)
- [Berkshire Hathaway Specialty Insurance vs Embroker Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/professional-errors-omissions)
- [AIG vs Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/fiduciary)
- [AIG vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-embroker/fiduciary)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/fiduciary)
- [Alliance Risk vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/fiduciary)
- [Aon vs Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/fiduciary)
- [Aon vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-embroker/fiduciary)

## 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. [Executive First Private Company Portfolio](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/). Berkshire Hathaway Specialty Insurance; Product Highlights, lines 11–15: D&O, EPL, fiduciary, Commercial Crime and Employed Lawyers in one comprehensive form; shared or separate limits up to $50 million; EPL First HR resources and attorney helpline. Top Targets, lines 16–25: private companies with at least $10 million revenue and listed industries. Reopened 2026-09-30.. Accessed 2026-09-30.
6. [Executive First Fiduciary Liability Policy](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/fiduciary-liability-policy/). Berkshire Hathaway Specialty Insurance; Product Highlights: full settlor coverage, ACA gap coverage, recommended-not-mandatory specialized defense counsel, and fines/penalties; Top Targets: large commercial and financial firms (lines 6–20). Reopened 2026-09-30.. Accessed 2026-09-30.

### Embroker

7. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
8. [Terms And Conditions](https://www.embroker.com/terms/). Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
9. [Embroker Access](https://access.embroker.com/). Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
10. [Fiduciary Liability Insurance: What Is It & How It Works](https://www.embroker.com/coverage/fiduciary-liability-insurance/). Embroker; Why it's essential; Who needs this coverage; What is Fiduciary Liability insurance?; What's covered; What's not included; Are there additional coverages available with Fiduciary Liability insurance?; What does Fiduciary Liability cost?. Accessed 2026-09-23.

### Fiduciary Liability Insurance Guide

11. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16.
12. [Fiduciary Liability](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9). Travelers Casualty and Surety Company of America; II.D,J–L pp.2–3; II.A p.1; II.V p.5; Header p.1; II.M p.3; I p.1; III.A.6–8 pp.5–6; II.M.2 p.3; III.B.1 p.6. Accessed 2026-09-16.
13. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; What Is Fiduciary Liability Insurance?. 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).

## Embroker Reviews

Review Score: 5.6 / 10 from 3 rated sources, equally weighted.

Embroker’s reviews are mixed, and BBB records a complaint-response concern. The feedback is too limited to establish consistent service quality.

- Trustpilot: TrustScore 2.9 (5); 2 reviews. Trustpilot review search using provider brand/domain; identity checked against the canonical insurance entity. Period: current page aggregate accessed 2026-09-25. Checked 2026-09-25. [Embroker Reviews | Read Customer Service Reviews](https://www.trustpilot.com/review/embroker.com)
- BBB: BBB business grade D+ (BBB letter grade). BBB business profile for Embroker, categorized as Small Business Insurance. Grade is BBB letter grade, not customer-star aggregate; complaint record is a product-issues billing/cancellation concern. Period: current profile; grade rationale includes 1 unanswered complaint. Checked 2026-09-25. [Embroker | BBB Business Profile](https://www.bbb.org/us/ca/san-francisco/profile/small-business-insurance/embroker-1116-974895)
- Birdeye: Combined office rating (Google + Birdeye sources) 3.9 (5); 19 reviews. Office-level listing at 24 Shotwell St, San Francisco; business profile links to embroker.com and categorizes it as Insurance. Birdeye displays combined rating from 18 Google-origin reviews plus 2 Birdeye-origin reviews. This is one office listing, not a firmwide aggregate; review dates displayed are old (examples from about five/six years before access date). Period: page accessed 2026-09-25; 17 Google-origin + 2 Birdeye-origin; displayed sample comments dated about 5-6 years earlier. Checked 2026-09-25. [Embroker - 20 Reviews - Insurance in San Francisco, CA | Birdeye](https://reviews.birdeye.com/embroker-150058735264881)

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

## Agent and Developer Resources

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