---
title: "Berkshire Hathaway Specialty Insurance vs Harper: Professional Liability (E&O) Insurance"
description: "Berkshire Hathaway Specialty Insurance names professional lines and broad A&E coverage; Harper says its specialist reads exclusions and matches E&O limits to client contracts."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-harper/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-harper"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "harper"
coverage-line: "professional-errors-omissions"
---

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

## Agent Guide

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

**Key facts:**
- Line: Professional Liability (E&O) Insurance. Providers: Berkshire Hathaway Specialty Insurance and Harper.
- 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 Harper](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-harper) — 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)
- [Harper profile](https://spot.insure/insurance-providers/harper) — provider profile (evidence)
- [Berkshire Hathaway Specialty Insurance vs Harper Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-harper/cyber) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Harper General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-harper/general-liability) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Harper Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-harper/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Harper Product Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-harper/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 Harper Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-harper/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 Harper Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-harper/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 Harper Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-harper/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)

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

Berkshire Hathaway Specialty Insurance names professional lines and broad A&E coverage; Harper says its specialist reads exclusions and matches E&O limits to client contracts.

## Research Scope and Use

Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Harper 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 and a combined A&E professional form addressing pollution, media, technology and cyber exposures. Harper describes matching E&O limits to client contracts and reviewing exclusions line by line. [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") [10](https://www.harperinsure.com/coverages/professional-liability "Professional 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 Harper Insurance?

Harper suits hard-to-place businesses such as contractors, care providers, manufacturers and transportation firms; standard small businesses seeking direct quotes should compare online carriers. Its workers’ compensation service helps classify payroll for audits. [8](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") [9](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement "We're Announcing $47M to Build the Insurance Company Every Business Deserves")

[Harper profile](https://spot.insure/insurance-providers/harper)

## 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. [13](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [14](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [15](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [16](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 says its architects, engineers and consultants form also addresses pollution, media, technology and cyber/network-security exposures. Harper places professional liability around the applicant’s actual services and says it matches limits to client contracts. For an engineering consultancy with broad interrelated risks, Berkshire Hathaway Specialty Insurance’s combined form may merit review; a service firm facing a specific contract requirement can ask Harper to map the requested E&O limit and wording. [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") [10](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance")

### Buying and Policy Details to Resolve

Harper says it reads exclusions line by line because policies with the same limit can respond differently to the same claim. Berkshire Hathaway Specialty Insurance’s record identifies its combined professional form but does not list every exclusion. This makes wording review central to a useful comparison: provide both the services agreement and the proposed policy, then ask how cyber incidents, pollution, media claims and claims-made dates are treated under each form. [10](https://www.harperinsure.com/coverages/professional-liability "Professional Liability 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

- Does Harper’s quote match each contract limit and include the required services? [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") [10](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance")
- Which exclusions and shared limits apply to Berkshire Hathaway Specialty Insurance’s combined A&E form? [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") [10](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance")

## Offering Details

| Criteria | Professional First Professional Liability portfolio | Harper Professional Liability Insurance |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | Harper places professional liability coverage as a broker, writing the policy around the applicant's actual services rather than underwriting it, and describes a specialist handling the placement. [10](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Professional liability page introduction and 'Why Harper' section..)<br><br>Harper markets the identical policy under two catalogue entries, "Professional Liability" and "Errors and Omissions"; the E&O page states it is the same policy, just named what a given industry calls it. [11](https://www.harperinsure.com/coverages/errors-and-omissions "Errors and Omissions Insurance") [12](https://www.harperinsure.com/coverages "What We Cover") (Evidence: Company-reported; scope: Coverage directory listing plus the E&O page's own description; a naming convention Harper states about itself, not a distinction between two products..) |
| Issuing Insurer | Confirm in your quote. | The reviewed pages name pricing drivers (services performed, revenue, contract size) but do not name the issuing insurer or publish specific limit, retention or premium figures for this line. [10](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance") [11](https://www.harperinsure.com/coverages/errors-and-omissions "Errors and Omissions Insurance") (Evidence: Not publicly disclosed; scope: Checked both the professional-liability and errors-and-omissions pages on 2026-09-23; neither names a carrier or a limit figure..) |
| 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..) | Harper targets consultants, agencies, tech firms and licensed professionals whose work product is advice, design or a decision, since general liability doesn't cover a client claiming that work caused a financial loss. [10](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Professional liability page introduction and FAQ distinguishing it from general liability..) |
| 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..) | Harper describes coverage for errors and omissions in the work itself, negligence allegations about professional judgment, and legal defense costs, with limits it says are matched to the client contracts that require the policy. [10](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance") [11](https://www.harperinsure.com/coverages/errors-and-omissions "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Professional liability page's four coverage tiles; the E&O page adds that claims often surface a year or more after the work was delivered. The issued policy and its exclusions control actual scope..) |
| 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..) | Harper says it reads a policy's exclusions line by line before a client buys, because two E&O policies with the same limit can respond very differently to the same claim. [10](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Professional liability page 'We know this' section; a described review practice, not an independently verified outcome..) |
| How to Apply | Confirm in your quote. | You request a quote online or by phone; if a client contract requires E&O, Harper says it places coverage matching that requirement and issues the certificate the same day. [10](https://www.harperinsure.com/coverages/professional-liability "Professional Liability Insurance") (Evidence: Company-reported; scope: Professional liability page quote form and FAQ 'My client contract requires E&O. What now?'..) |

## Full Comparison

- [Berkshire Hathaway Specialty Insurance vs Harper](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-harper): 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 Harper Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-harper/cyber)
- [Berkshire Hathaway Specialty Insurance vs Harper General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-harper/general-liability)
- [Berkshire Hathaway Specialty Insurance vs Harper Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-harper/inland-marine)
- [Berkshire Hathaway Specialty Insurance vs Harper Product Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-harper/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 Harper Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-harper/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 Harper Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-harper/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 Harper Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-harper/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.

### Harper

8. [Text Messaging Terms and Conditions](https://www.harperinsure.com/sms-terms). Harper Global Enterprises Inc.; Effective August 24, 2026; sections 1–3 (entity, consent and service messages), 5 (message costs), 9 (delivery) and 11 (coverage confirmation). Accessed 2026-09-15.
9. [We're Announcing $47M to Build the Insurance Company Every Business Deserves](https://www.harperinsure.com/insurance-insights/harper-45m-funding-announcement). Harper / Dakotah Rice; February 26, 2026 article: brokerage identity; AI-assisted submissions and follow-ups; 24–48-hour coverage statement; more than 165 underwriters; plans for additional direct appointments. Accessed 2026-09-15.
10. [Professional Liability Insurance](https://www.harperinsure.com/coverages/professional-liability). Harper; Know your coverage: What is Professional Liability insurance?; Errors & omissions, Negligence allegations, Legal defense, Contract-driven limits; Why Harper; FAQs on general liability vs. E&O, client E&O requirements, and pricing drivers. Accessed 2026-09-23.
11. [Errors and Omissions Insurance](https://www.harperinsure.com/coverages/errors-and-omissions). Harper; Page states the product is 'Same policy as professional liability, just what your industry calls it'; describes financial-loss claims from professional services and late-arriving claims. Accessed 2026-09-23.
12. [What We Cover](https://www.harperinsure.com/coverages). Harper; Coverage directory list including Errors and Omissions and Professional Liability as separate catalogue entries. Accessed 2026-09-23.

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

13. [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.
14. [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.
15. [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.
16. [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).

## Harper Reviews

Review Score: not enough ratings.

We found no customer star rating for Harper. Its Trustpilot page has 0 reviews, and BBB shows 0 customer reviews and 2 complaints.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/harper/reviews).

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