--- title: "Berkshire Hathaway Specialty Insurance vs Embroker: Professional Liability (E&O) Insurance" description: "Berkshire Hathaway Specialty Insurance lists separate professional-liability lines; Embroker sells stand-alone E&O with deductible choices and an online application." canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/professional-errors-omissions" 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: "professional-errors-omissions" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/professional-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and Embroker 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 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 Professional Liability (E&O) Insurance: how do they differ? - Which is better for Professional Liability (E&O) Insurance, Berkshire Hathaway Specialty Insurance or Embroker? - What does Berkshire Hathaway Specialty Insurance or Embroker 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 Embroker? **Key facts:** - Line: Professional Liability (E&O) 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 - [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) - [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 Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/fiduciary) — 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) - [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 Embroker Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-embroker/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 Embroker Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/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 Embroker Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-embroker/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) # Berkshire Hathaway Specialty Insurance vs Embroker: How Do They Compare for Professional Liability (E&O) Insurance? Berkshire Hathaway Specialty Insurance lists separate professional-liability lines; Embroker sells stand-alone E&O with deductible choices and an online application. ## Research Scope and Use Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Embroker 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. Embroker sells standalone professional liability for fee-based advice and services, with an aggregate-deductible or first-dollar-defense choice. [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") [11](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") ## 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. [8](https://www.embroker.com/ "Embroker") [9](https://www.embroker.com/terms/ "Terms And Conditions") [10](https://access.embroker.com/ "Embroker Access") [Embroker profile](https://spot.insure/insurance-providers/embroker) ## 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. [12](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [13](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [14](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [15](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’s Professional First overview includes Miscellaneous Professional Liability, Technology E&O and Lawyers Professional Liability as named lines. Embroker sells standalone professional liability for fee-based advice and services, while separating lawyer coverage and bundled technology E&O/cyber. A buyer should identify whether the exposure is general consulting, legal practice or technology before comparing the products; the insurer’s product label may route the account to a different form. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [11](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") ### Buying and Policy Details to Resolve Embroker lets applicants choose an aggregate deductible or first-dollar-defense option, where the deductible applies to damages rather than legal costs, and offers an online quote. Berkshire Hathaway Specialty Insurance’s reviewed overview does not publish a deductible structure or quote flow. Compare the amount you pay toward defense and damages separately, along with policy limits and exclusions. Ask Berkshire Hathaway Specialty Insurance whether its proposal uses a retention and how defense costs affect the available limit. [11](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") [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 Embroker’s first-dollar-defense option fit your expected claim and budget? [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [11](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") - What Berkshire Hathaway Specialty Insurance limit, deductible and online or broker submission options apply? [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [11](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") ## Offering Details | Criteria | Professional First Professional Liability portfolio | Embroker Professional Liability Insurance | | --- | --- | --- | | Role in This Line | Confirm in your quote. | Embroker sells professional liability, also called errors and omissions insurance, as a standalone product for professional-services businesses, separate from its lawyers professional liability program and its bundled technology E&O/cyber product. [11](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") (Evidence: Company-reported; scope: Product-page description; not a statement about the 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..) | Embroker markets the policy to anyone who provides professional advice or services for a fee, listing accountants, bookkeepers, consultants, real estate agents, home inspectors, and IT and healthcare professionals as example buyers, while noting lawyers and doctors typically use specialized malpractice coverage instead. [11](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") (Evidence: Company-reported; scope: Product-page eligibility and industry-example sections; not a guarantee of coverage for a particular business..) | | 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..)

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..) | Embroker lists coverage for claims of errors, omissions or negligence, failing to meet expected standards or deadlines, false or misleading statements, breach of contractual obligations, and attorney fees from covered claims. [11](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") (Evidence: Company-reported; scope: Product-page What's covered section; the issued policy and declarations control..)

Embroker says the policy does not cover personal injury or property damage (handled by general liability), cyberattacks and data breaches (some tech E&O policies offer limited cyber coverage, but full protection needs a separate cyber policy), employee injuries, or employee discrimination claims (handled by EPLI). [11](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") (Evidence: Company-reported; scope: Product-page What's not included and 'Do I need Professional Liability insurance if I already have General Liability coverage?' sections..) | | Limits and Retentions | Confirm in your quote. | Embroker says the policy carries a deductible, that a higher deductible generally lowers the premium, and that buyers can choose an aggregate (once-annually capped) deductible or a first-dollar-defense option that applies the deductible only to damages, not legal costs. [11](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") (Evidence: Company-reported; scope: Product-page 'Does it have a deductible?' section; specific dollar limits and deductible amounts are not published and depend on underwriting..) | | 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. | Embroker offers an online quote for professional liability through its digital platform, describing underwriting factors including business size, industry risk, location and claims history. [11](https://www.embroker.com/coverage/professional-liability-insurance/ "Professional Liability Insurance Coverage & Quotes") (Evidence: Company-reported; scope: Product-page 'Quick quotes' feature and cost-factor list; 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 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 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 Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/fiduciary) - [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) - [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 Embroker Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-embroker/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 Embroker Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/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 Embroker Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-embroker/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. ### Embroker 8. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15. 9. [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. 10. [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. 11. [Professional Liability Insurance Coverage & Quotes](https://www.embroker.com/coverage/professional-liability-insurance/). Embroker; Why it's essential; Who needs this coverage; What is Professional Liability insurance?; What's covered; What's not included; Do I need Professional Liability insurance if I already have General Liability coverage?; Does it have a deductible?. Accessed 2026-09-23. ### Professional Liability (E&O) Insurance Guide 12. [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. 13. [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. 14. [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. 15. [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). ## 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/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)