---
title: "Berkshire Hathaway Specialty Insurance vs Founder Shield: Professional Liability (E&O) Insurance"
description: "Berkshire Hathaway Specialty Insurance lists professional-liability products by line; Founder Shield targets venture, consulting, media and software firms and often bundles E&O with technology and cyber."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-foundershield/professional-errors-omissions"
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: "professional-errors-omissions"
---

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

## Agent Guide

**What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and Founder Shield 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 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 Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, Berkshire Hathaway Specialty Insurance or Founder Shield?
- What does Berkshire Hathaway Specialty Insurance or Founder Shield 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 Founder Shield?

**Key facts:**
- Line: Professional Liability (E&O) 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
- [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)
- [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 Product Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-foundershield/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 Founder Shield Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-foundershield/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 Founder Shield Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-foundershield/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 Founder Shield Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-foundershield/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)

# Berkshire Hathaway Specialty Insurance vs Founder Shield: How Do They Compare for Professional Liability (E&O) Insurance?

Berkshire Hathaway Specialty Insurance lists professional-liability products by line; Founder Shield targets venture, consulting, media and software firms and often bundles E&O with technology and cyber.

## Research Scope and Use

Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Founder Shield 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. Founder Shield targets firms including consultants and SaaS marketplaces, and says E&O is often packaged with technology E&O and cyber. [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") [13](https://foundershield.com/coverage/errors-and-omissions-insurance/ "Errors & Omissions 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. [8](https://foundershield.com/ "Founder Shield") [9](https://foundershield.com/startup-insurance/ "Startup Insurance") [10](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [11](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?") [12](https://foundershield.com/terms-of-service/ "Terms of Service")

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

## 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. [15](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [16](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [17](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [18](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 lists Miscellaneous Professional Liability, Technology E&O and Lawyers Professional Liability in Professional First. Founder Shield markets E&O to venture capital firms, consultants, media and advertising agencies, SaaS marketplaces and software developers. A business doing both consulting and software work should ask Founder Shield how the policy splits professional and technology services and ask Berkshire Hathaway Specialty Insurance whether MPL or Technology E&O is the intended line. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [13](https://foundershield.com/coverage/errors-and-omissions-insurance/ "Errors & Omissions Insurance")

### Buying and Policy Details to Resolve

Founder Shield says E&O is often packaged with technology E&O and cyber because the claims can intertwine; it places coverage with third-party carriers rather than underwriting it. Berkshire Hathaway Specialty Insurance’s Professional First overview identifies an in-house claims group integrated with underwriting but does not state the same package approach. Ask both providers for the carrier, shared or separate limits, and how a claim involving both advice and software performance would be allocated. [13](https://foundershield.com/coverage/errors-and-omissions-insurance/ "Errors & Omissions Insurance") [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

- Would Founder Shield combine E&O, Tech E&O and cyber, and how are limits shared? [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [13](https://foundershield.com/coverage/errors-and-omissions-insurance/ "Errors & Omissions Insurance")
- Which Berkshire Hathaway Specialty Insurance line covers a claim involving both professional advice and technology? [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [13](https://foundershield.com/coverage/errors-and-omissions-insurance/ "Errors & Omissions Insurance")

## Offering Details

| Criteria | Professional First Professional Liability portfolio | Founder Shield Errors & Omissions 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 Errors & Omissions Insurance with third-party carriers rather than underwriting the policy itself. [14](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..)<br><br>Founder Shield says E&O (professional liability) is often packaged with technology E&O and cyber coverage since the two types of claims tend to intertwine. [13](https://foundershield.com/coverage/errors-and-omissions-insurance/ "Errors & Omissions Insurance") (Evidence: Company-reported; scope: Errors & Omissions Insurance product page..) |
| Issuing Insurer | Confirm in your quote. | Founder Shield says it places policies, including Founder Shield Errors & Omissions 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. [10](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 | 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..) | Founder Shield markets E&O to venture capital firms, consultants, media and advertising agencies, SaaS marketplaces, and software developers who perform services for other parties. [13](https://foundershield.com/coverage/errors-and-omissions-insurance/ "Errors & Omissions Insurance") (Evidence: Company-reported; scope: Errors & Omissions Insurance product page..) |
| 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..)<br><br>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..) | Founder Shield lists defense costs, defense against disciplinary or regulatory proceedings, lost-earnings coverage, and claims from errors by employees or contractors as what E&O responds to. [13](https://foundershield.com/coverage/errors-and-omissions-insurance/ "Errors & Omissions Insurance") (Evidence: Company-reported; scope: Product page; the issued policy and declarations control actual coverage..) |
| 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. | You request Founder Shield Errors & Omissions 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. [14](https://foundershield.com/about-us/ "About Us") [10](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 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 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 Product Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-foundershield/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 Founder Shield Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-foundershield/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 Founder Shield Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-foundershield/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 Founder Shield Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-foundershield/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.

### Founder Shield

8. [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.
9. [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.
10. [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.
11. [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.
12. [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.
13. [Errors & Omissions Insurance](https://foundershield.com/coverage/errors-and-omissions-insurance/). Founder Shield; What Is Errors & Omissions Insurance?; Who Needs Errors & Omissions Insurance Coverage?; What Does Errors and Omissions Insurance Cover?. Accessed 2026-09-23.
14. [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.

### Professional Liability (E&O) Insurance Guide

15. [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.
16. [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.
17. [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.
18. [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).

## 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/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)