Berkshire Hathaway Specialty Insurance vs 
Embroker: How Do They Compare for Product Liability 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
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. 7,8,9
What Is Product Liability Insurance?
Product liability can cover claims that a product you make, import, distribute or sell injured someone or damaged property. If your business handles products, describe every role in the supply chain and ask how the quote treats product damage and recall costs. 11,12,13,14,15
Key Differences in Product Liability Insurance
What the Published Offering Defines
Berkshire Hathaway Specialty Insurance markets primary products/completed-operations liability as a distinct casualty product. Embroker says product liability is often an endorsement to general liability or part of a business owners policy, but it sells a standalone form for larger companies. Its described triggers include bodily injury, property damage, illness and wrongful death tied to design, manufacturing or warning defects. A larger manufacturer can ask whether standalone or combined placement best fits its structure. 6 10
Buying and Policy Details to Resolve
Embroker’s digital application lets buyers choose limits and deductibles and describes product recall costs as excluded unless separately endorsed or insured. Berkshire Hathaway Specialty Insurance’s reviewed record gives no standard limit or recall terms. Product-risk category, revenue and claims history affect Embroker pricing, while Berkshire Hathaway Specialty Insurance’s casualty guide provides selected capacity and minimum-premium guidance. Compare the policy basis, recall treatment and pricing assumptions alongside each selected limit. 10 5
What to Confirm in Product Liability Insurance Quotes
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
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 reviewsEmbroker
Review Score
3 rated sources
Embroker’s reviews are mixed, and BBB records a complaint-response concern. The feedback is too limited to establish consistent service quality.[4][6][7]
Read Embroker reviewsOffering Details
Berkshire Hathaway Specialty Insurance vs Embroker: Product Liability Insurance: documented features by provider
| Criteria | Primary products/completed-operations liability | Embroker Product Liability Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | Embroker sells product liability as a standalone policy, and says most companies instead add it as an endorsement to a general liability policy or bundle it into a Business Owners Policy, with only larger companies typically buying an independent policy. 10Company-reported. Product-page description and 'Tips for Saving' section; not a statement about the issuing insurer. |
| Who It’s For | BHSI identifies manufacturers and distributors, including discontinued-products/IBNR exposures, as products-liability targets. 6Company-reported. Selected US products/completed-operations risks. Material limitation: A target class is not a guarantee of eligibility; discontinued-product exposure has distinct underwriting. | Embroker markets the policy to businesses that manufacture, repair, distribute or sell products, saying manufacturers are most often held liable but sellers and repairers can also be named in claims. 10Company-reported. Product-page 'Who Is It For?' section; not a guarantee of coverage for a particular business. |
| Coverage Features | BHSI markets primary products/completed-operations liability as a distinct casualty product. 6Company-reported. BHSI US commercial primary products/completed-operations liability. Material limitation: This does not establish product-recall expense insurance. | Embroker lists coverage for bodily injury, property damage, illness and wrongful death claims arising from design defects, manufacturing defects, or warning/labeling defects in a product. 10Company-reported. Product-page 'What Does Product Liability Insurance Cover?' section; the issued policy and declarations control. Embroker says the policy excludes employee injuries (covered by workers' compensation), third-party accidents on the policyholder's property (covered by general liability), product recall costs (which need a separate endorsement or product recall policy), and technology product claims (covered by tech E&O). 10Company-reported. Product-page What's Not Covered section, distinguishing product liability from general liability, product recall insurance and technology E&O. |
| Limits and Retentions | The casualty appetite guide names Products Liability, primary GL and lead umbrella/excess as lines, and states capacity and minimum-premium guidance for selected casualty accounts. 5Company-reported. Selected US casualty submissions in the guide. Material limitation: The shared guide parameters do not promise product-specific limit availability; contract wording controls. | Embroker says pricing depends heavily on product risk category (for example, pharmaceuticals or firearms cost more than lower-risk goods), company size and revenue, and claims history; it does not publish standard policy limits. 10Company-reported. Product-page 'How Much Does Product Liability Insurance Cost?' section. |
| How to Apply | Confirm in your quote. | Embroker says applicants can get a product liability quote in under 10 minutes through its digital platform and choose their own deductibles and limits. 10Company-reported. Product-page 'Why Get It With Embroker?' section; no quote was requested during this research. |
Full Comparison
More Berkshire Hathaway Specialty Insurance vs Embroker Comparisons
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Sources
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.
- Casualty Appetite Guide - U.S. Berkshire Hathaway Specialty Insurance; Casualty appetite PDF page 1: $50K minimum premium, GL/products/lead umbrella/excess lines, selected $10M excess capacity, placement forms and target/avoided classes; guide dated 2026-07-15. Accessed 2026-09-28.
- Casualty. Berkshire Hathaway Specialty Insurance; US casualty product lines and features: Primary General Liability lines 10-34; Primary Products/Completed Operations Liability 35-44; Lead Umbrella and Excess Casualty 46-63. Accessed 2026-09-28.
Embroker
- Embroker. Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
- Terms And Conditions. 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.
- Embroker Access. Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
- Product Liability Insurance: Coverage & Quotes. Embroker; What Is Product Liability Insurance?; Who Is It For?; Product Liability vs. General Liability; What Does Product Liability Insurance Cover?; What's Not Covered?; How Much Does Product Liability Insurance Cost? Accessed 2026-09-23.
Product Liability Insurance Guide
- Get business insurance. U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
- Facts + Statistics: Product liability. Insurance Information Institute; Product liability insurance opening definition (manufacturer, distributor, or seller; defective condition causing personal injury or damage); Product recall insurance sentence. Accessed 2026-09-16.
- Product liability, recall and contamination insurance. Insurance Information Institute; Product liability opening (design/manufacture/distribute/sell; injury, property damage or death; added to GL or stand-alone); What could go wrong? (roles; directions/warnings); Covering the costs of a product recall; Contamination insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability Coverage: premises, products liability and completed operations; major exclusions including damage to your work, impaired property, sistership liability and failure to perform; Limits of Insurance products and completed operations aggregate; glossary Sistership Liability. Accessed 2026-09-16.
- Commercial General Liability Coverage Form. ISO Properties, Inc.; specimen hosted by Hiscox; Recall exclusion p.5; Supplementary Payments pp.8–9; Section III limits p.10; V.16 and V.21 p.15, warnings/instructions continue p.16. Accessed 2026-09-16.
