---
title: "Berkshire Hathaway Specialty Insurance vs Founder Shield: Product Liability Insurance"
description: "Berkshire Hathaway Specialty Insurance targets manufacturers and distributors, including discontinued-product exposures; Founder Shield describes defect coverage and defense for physical-product sellers."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-foundershield/product-liability"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-foundershield"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "foundershield"
coverage-line: "product-liability"
---

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

## Agent Guide

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

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

# Berkshire Hathaway Specialty Insurance vs Founder Shield: How Do They Compare for Product Liability Insurance?

Berkshire Hathaway Specialty Insurance targets manufacturers and distributors, including discontinued-product exposures; Founder Shield describes defect coverage and defense for physical-product sellers.

## Research Scope and Use

Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Founder Shield for Product 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 identifies manufacturers, distributors and discontinued-product exposures for primary products liability. Founder Shield lists manufacturing, design and labeling defects, with defense fees, settlements, judgments and medical costs. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") [12](https://foundershield.com/coverage/product-liability-insurance/ "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](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 Founder Shield Insurance?

Founder Shield is a broker for venture-backed startups: you apply online in under 15 minutes, and an advisor shops its 200+ carrier markets to build a program that changes as your products and locations change. It doesn't insure you itself, so ask which insurer carries each policy. [7](https://foundershield.com/ "Founder Shield") [8](https://foundershield.com/startup-insurance/ "Startup Insurance") [9](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [10](https://foundershield.com/insurance-faqs/general-faqs/what-if-our-company-grows-a-lot-or-things-change-during-the-year/ "What If Our Company Grows A Lot or Things Change During the Year?") [11](https://foundershield.com/terms-of-service/ "Terms of Service")

[Founder Shield profile](https://spot.insure/insurance-providers/foundershield)

## 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. [14](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [15](https://www.iii.org/fact-statistic/facts-statistics-product-liability "Facts + Statistics: Product liability") [16](https://www.iii.org/article/product-liability-recall-and-contamination-insurance "Product liability, recall and contamination insurance") [17](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [18](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form")

## Key Differences in Product Liability Insurance

### What the Published Offering Defines

Berkshire Hathaway Specialty Insurance names manufacturers and distributors, including discontinued-products exposures, as targets for primary product liability. Founder Shield markets its brokerage placement to manufacturers, distributors and retail or e-commerce businesses that sell physical products. Its described triggers include manufacturing defects, design defects and inadequate labeling, with defense fees, settlements, judgments and medical costs. Sellers that did not manufacture a product should ask both markets how their role affects insured status and coverage. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") [12](https://foundershield.com/coverage/product-liability-insurance/ "Product Liability Insurance")

### Buying and Policy Details to Resolve

Founder Shield places coverage with third-party carriers and says it chooses carriers rated A- or better, but the issuing insurer depends on the placement. Berkshire Hathaway Specialty Insurance markets its own distinct primary casualty product and identifies selected capacity guidance without publishing account-specific limits. This makes carrier identity and actual terms central to comparison: request each proposed insurer, policy form, limit, deductible and treatment of discontinued products before deciding whether the quote addresses your supply chain. [9](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.")

## What to Confirm in Product Liability Insurance Quotes

- Which carrier and policy form would Founder Shield place for your product class? [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") [12](https://foundershield.com/coverage/product-liability-insurance/ "Product Liability Insurance")
- Will Berkshire Hathaway Specialty Insurance include products already discontinued and what reporting terms apply? [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") [12](https://foundershield.com/coverage/product-liability-insurance/ "Product Liability Insurance")

## Offering Details

| Criteria | Primary products/completed-operations liability | Founder Shield Product Liability Insurance |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Product Liability Insurance with third-party carriers rather than underwriting the policy itself. [13](https://foundershield.com/about-us/ "About Us") (Evidence: Company-reported; scope: About-us page; applies to Founder Shield's brokerage model generally, restated here for this line..) |
| Issuing Insurer | Confirm in your quote. | Founder Shield says it places policies, including Founder Shield Product Liability Insurance, only with carriers rated A- or better by AM Best, chosen for the client's industry. It does not name the issuing insurer for this line; that depends on which carrier the policy is placed with. [9](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") (Evidence: Company-reported; scope: General carrier-selection FAQ, not specific to this line's placements..) |
| Who It’s For | BHSI identifies manufacturers and distributors, including discontinued-products/IBNR exposures, as products-liability targets. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") (Evidence: Company-reported; scope: Selected US products/completed-operations risks. Material limitation: A target class is not a guarantee of eligibility; discontinued-product exposure has distinct underwriting..) | Founder Shield markets product liability to manufacturers, distributors, and retail/e-commerce companies that make or sell physical products. [12](https://foundershield.com/coverage/product-liability-insurance/ "Product Liability Insurance") (Evidence: Company-reported; scope: Product Liability Insurance product page..) |
| Coverage Features | BHSI markets primary products/completed-operations liability as a distinct casualty product. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") (Evidence: Company-reported; scope: BHSI US commercial primary products/completed-operations liability. Material limitation: This does not establish product-recall expense insurance..) | Founder Shield lists manufacturing defects, design defects and inadequate labeling as scenarios the policy responds to, covering defense fees, settlements or judgments, and medical costs. [12](https://foundershield.com/coverage/product-liability-insurance/ "Product Liability Insurance") (Evidence: Company-reported; scope: Product page; the issued policy and declarations control actual coverage..) |
| 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. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") (Evidence: Company-reported; scope: Selected US casualty submissions in the guide. Material limitation: The shared guide parameters do not promise product-specific limit availability; contract wording controls..) | Confirm in your quote. |
| Risk Services | Confirm in your quote. | The reviewed page does not describe risk-management or product-safety services Founder Shield itself provides for this line; it notes only that insurers generally may offer such services. [12](https://foundershield.com/coverage/product-liability-insurance/ "Product Liability Insurance") (Evidence: Not found in reviewed sources; scope: Product Liability Insurance product page, checked 2026-09-23..) |
| How to Apply | Confirm in your quote. | You request Founder Shield Product Liability Insurance through Founder Shield's website or an insurance advisor rather than binding coverage directly; Founder Shield says its placement team then approaches carriers on the client's behalf. [13](https://foundershield.com/about-us/ "About Us") [9](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") (Evidence: Company-reported; scope: About-us and carrier-selection pages describe the general placement process, not a line-specific application form..) |

## Full Comparison

- [Berkshire Hathaway Specialty Insurance vs Founder Shield](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-foundershield): all coverage lines, business roles, service and claims.
- [What Is Product Liability Insurance?](https://spot.insure/coverage/product-liability): Product liability can cover claims that a product you make, import, distribute or sell injured someone or damaged property; recall costs need a separate check.
- [Berkshire Hathaway Specialty Insurance vs Founder Shield Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-foundershield/crime)
- [Berkshire Hathaway Specialty Insurance vs Founder Shield Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-foundershield/cyber)
- [Berkshire Hathaway Specialty Insurance vs Founder Shield D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-foundershield/directors-officers)
- [Berkshire Hathaway Specialty Insurance vs Founder Shield Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-foundershield/employment-practices)
- [Berkshire Hathaway Specialty Insurance vs Founder Shield Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-foundershield/fiduciary)
- [Berkshire Hathaway Specialty Insurance vs Founder Shield General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-foundershield/general-liability)
- [Berkshire Hathaway Specialty Insurance vs Founder Shield Media Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-foundershield/media)
- [Berkshire Hathaway Specialty Insurance vs Founder Shield Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-foundershield/professional-errors-omissions)
- [AIG vs Berkshire Hathaway Specialty Insurance Product Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/product-liability)
- [AIG vs Founder Shield Product Liability Insurance](https://spot.insure/compare/aig-vs-foundershield/product-liability)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/product-liability)
- [Alliance Risk vs Founder Shield Product Liability Insurance](https://spot.insure/compare/alliance-risk-vs-foundershield/product-liability)
- [Amelia Risk vs Berkshire Hathaway Specialty Insurance Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/product-liability)
- [Amelia Risk vs Founder Shield Product Liability Insurance](https://spot.insure/compare/amelia-risk-vs-foundershield/product-liability)

## 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. [Casualty Appetite Guide - U.S.](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf). 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.
6. [Casualty](https://www.bhspecialty.com/us-products/us-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.

### Founder Shield

7. [Founder Shield](https://foundershield.com/). Founder Shield; Opening broker description; Specialized Practices; Smart Tech, Smarter People; quote and sign-in links. Accessed 2026-09-15.
8. [Startup Insurance](https://foundershield.com/startup-insurance/). Founder Shield; What Coverage Does your Startup Need?; Why Startups Choose Founder Shield; Industries We Serve; Essential Policies to Consider section. Accessed 2026-09-15.
9. [How Do You Decide Which Carriers to Approach?](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/). Founder Shield; FAQ answer on carrier selection: works exclusively with A-rated (AM Best) carriers, matched by industry appetite. Accessed 2026-09-23.
10. [What If Our Company Grows A Lot or Things Change During the Year?](https://foundershield.com/insurance-faqs/general-faqs/what-if-our-company-grows-a-lot-or-things-change-during-the-year/). Founder Shield; Carl Niedbala answer, November 25, 2024: operational changes and coverage adjustments. Accessed 2026-09-15.
11. [Terms of Service](https://foundershield.com/terms-of-service/). Founder Shield; Opening agreement; License Status; Representations and Disclaimers Related to Products or Services; Fees and Charges; Void Where Prohibited. Accessed 2026-09-15.
12. [Product Liability Insurance](https://foundershield.com/coverage/product-liability-insurance/). Founder Shield; What Is Product Liability Insurance?; Who Needs Product Liability Insurance Coverage?; What Does Product Liability Insurance Cover?. Accessed 2026-09-23.
13. [About Us](https://foundershield.com/about-us/). Founder Shield; “Founder Shield is the innovation arm of The Baldwin Group”; company history and mission. Accessed 2026-09-23.

### Product Liability Insurance Guide

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. [Facts + Statistics: Product liability](https://www.iii.org/fact-statistic/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.
16. [Product liability, recall and contamination insurance](https://www.iii.org/article/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.
17. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). 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.
18. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). 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.

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).

## Founder Shield Reviews

Review Score: 7.4 / 10 from 1 rated source, equally weighted.

Founder Shield has too little independent customer feedback for a reliable verdict. One positive Trustpilot review does not establish a service track record.

- Trustpilot: TrustScore 3.7 (5 stars); 1 reviews. Trustpilot profile for foundershield.com; one US customer review, categorized as insurance broker/business insurance. Period: Review 2023-03-14; none in prior 12 months. Checked 2026-09-25. [foundershield.com Reviews | Trustpilot](https://www.trustpilot.com/review/foundershield.com)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-foundershield/product-liability.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)