---
title: "Berkshire Hathaway Specialty Insurance vs Harper: Umbrella and Excess Liability Insurance"
description: "Berkshire Hathaway Specialty Insurance’s U.S. guide lists lead, follow-form, and retained-limit forms with excess capacity for selected risks (U.S. casualty appetite guide; not an account quote); Harper says its umbrella follows underlying terms and maps the policies scheduled beneath it."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-harper/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-harper"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "harper"
coverage-line: "umbrella-excess"
---

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

## Agent Guide

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

**Key facts:**
- Line: Umbrella and Excess Liability 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 2026-10-01. 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
- [Umbrella and Excess Liability Insurance guide](https://spot.insure/coverage/umbrella-excess) — 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 Builders Risk Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-harper/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Harper Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-harper/commercial-property) — sibling comparison (other line, or other pair for this line)
- [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)
- [Berkshire Hathaway Specialty Insurance vs Harper Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-harper/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Harper Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-harper/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Harper Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-harper/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Harper Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-harper/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Harper Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-harper/umbrella-excess) — sibling comparison (other line, or other pair for this line)

# Berkshire Hathaway Specialty Insurance vs Harper: How Do They Compare for Umbrella and Excess Liability Insurance?

Berkshire Hathaway Specialty Insurance’s U.S. guide lists lead, follow-form, and retained-limit forms with excess capacity for selected risks (U.S. casualty appetite guide; not an account quote); Harper says its umbrella follows underlying terms and maps the policies scheduled beneath it.

## How to Use the Berkshire Hathaway Specialty Insurance vs Harper Umbrella and Excess Liability Insurance Comparison

Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Harper for Umbrella and Excess 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.

## Berkshire Hathaway Specialty Insurance vs Harper Umbrella and Excess Liability Insurance Summary

Berkshire Hathaway Specialty Insurance’s U.S. casualty appetite guide lists lead umbrella, follow-form excess, and retained-limit forms with $10 million excess capacity for selected risks (U.S. casualty appetite guide; not an account quote). Harper says its umbrella follows the terms of underlying policies and that it maps which policies sit beneath a client’s umbrella; that describes its process, not a guaranteed no-gap outcome. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [9](https://www.harperinsure.com/coverages/umbrella "Umbrella 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. [7](https://www.harperinsure.com/sms-terms "Text Messaging Terms and Conditions") [8](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 Umbrella and Excess Liability Insurance?

Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. [10](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [12](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm "Lines of Insurance") [13](https://www.coverdash.com/coverage "Coverage Hub") [14](https://kinro.com/products "Products")

## What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Harper Umbrella and Excess Liability Insurance?

### Layer Form and Underlying Schedule

Berkshire Hathaway Specialty Insurance’s appetite guide lists lead umbrella, follow-form excess, and retained-limit structures. Harper says it maps the policies beneath a client’s umbrella and describes the umbrella as following those underlying terms. Buyers comparing the two should request the actual schedule and wording: Berkshire Hathaway Specialty Insurance’s named forms do not establish which primary policies attach, and Harper’s described mapping practice does not independently verify that a future placement has no gaps. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [9](https://www.harperinsure.com/coverages/umbrella "Umbrella Insurance")

### Capacity and Contract Need

Berkshire Hathaway Specialty Insurance gives $10 million as excess capacity for selected U.S. casualty risks, with more possible for selected risks. Harper recommends considering an umbrella where a lease or contract requires limits above primary policies and otherwise frames the choice around claim amounts the business could absorb. A buyer can compare the contract requirement with Berkshire Hathaway Specialty Insurance’s selective appetite and Harper’s stated trigger, then confirm the actual quoted limit and attachment. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [9](https://www.harperinsure.com/coverages/umbrella "Umbrella Insurance")

## What Should You Confirm in Berkshire Hathaway Specialty Insurance and Harper Umbrella and Excess Liability Insurance Quotes?

- Ask Berkshire Hathaway Specialty Insurance which form and selected-risk capacity it would consider for the contract schedule. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.")
- Ask Harper which policies and exact wording its proposed mapping includes. [9](https://www.harperinsure.com/coverages/umbrella "Umbrella Insurance")

## Berkshire Hathaway Specialty Insurance vs Harper Umbrella and Excess Liability Compared

| Criteria | Lead umbrella and excess casualty | Harper Umbrella Insurance |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | Harper places umbrella and excess liability coverage as extra limits stacked above a client's existing primary policies, rather than re-selling the underlying coverage itself. [9](https://www.harperinsure.com/coverages/umbrella "Umbrella Insurance") (Evidence: Company-reported; scope: Umbrella page introduction and 'What is Umbrella insurance?' section..) |
| Who It’s For | BHSI lists manufacturers/distributors, real estate, grocery, financial institutions, construction, energy and trucking as umbrella/excess targets. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") (Evidence: Company-reported; scope: BHSI US lead umbrella/excess casualty targets. Material limitation: Targets remain subject to restrictions and underwriting appetite..) | Harper recommends an umbrella when a lease or contract requires liability limits above a business's primary policies, and otherwise frames it as a judgment call based on how much of a claim the business could absorb. [9](https://www.harperinsure.com/coverages/umbrella "Umbrella Insurance") (Evidence: Company-reported; scope: Umbrella FAQ 'Do I need an umbrella?'..) |
| Coverage Features | BHSI markets lead umbrella and excess casualty as an explicit product line and lists pollution/contractor-form features. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") (Evidence: Company-reported; scope: US commercial casualty placements. Material limitation: Marketing overview; the manuscript and broker-specific forms require underwriting..) | Harper describes the umbrella responding above general liability claims, above auto liability claims, and above a workers' compensation claim when an injured employee separately sues. [9](https://www.harperinsure.com/coverages/umbrella "Umbrella Insurance") (Evidence: Company-reported; scope: Umbrella page's four coverage tiles; the underlying and umbrella policies as issued control which claims actually qualify..)<br><br>Harper says the umbrella follows the terms of the policies underneath it, and that it maps exactly which underlying policies sit under a client's umbrella so there are no coverage gaps. [9](https://www.harperinsure.com/coverages/umbrella "Umbrella Insurance") (Evidence: Company-reported; scope: Umbrella FAQ 'Does it cover everything my other policies cover?'; a described mapping practice, not an independently verified outcome..) |
| Limits and Retentions | The appetite guide lists lead umbrella, follow-form excess and retained-limit forms, with $10 million excess capacity and more for selected risks. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") (Evidence: Company-reported; scope: Select risks in the guide’s US casualty appetite. Material limitation: Capacity is not a quote or universally available layer; “more” is risk-selective..) | Harper says each additional million in umbrella limits typically costs a fraction of the first million, and that industry and underlying limits drive price, but the reviewed page does not publish specific limit amounts, retentions or premium figures. [9](https://www.harperinsure.com/coverages/umbrella "Umbrella Insurance") (Evidence: Not publicly disclosed; scope: Umbrella page 'We know this' section and FAQ 'What does it cost?'; figures would appear on an actual quote..) |
| How to Apply | Confirm in your quote. | You request a quote through Harper's online form or by phone; Harper says a specialist reviews the underlying policies before recommending umbrella limits. [9](https://www.harperinsure.com/coverages/umbrella "Umbrella Insurance") (Evidence: Company-reported; scope: Umbrella page quote form and 'Why Harper' process steps..) |

## Related Pages for Berkshire Hathaway Specialty Insurance vs Harper

- [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 Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella or excess insurance can add liability limits above selected underlying policies when a covered claim exceeds them; compare the schedule and any gaps.
- [Berkshire Hathaway Specialty Insurance vs Harper Builders Risk Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-harper/builders-risk)
- [Berkshire Hathaway Specialty Insurance vs Harper Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-harper/commercial-property)
- [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)
- [Berkshire Hathaway Specialty Insurance vs Harper Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-harper/professional-errors-omissions)
- [Berkshire Hathaway Specialty Insurance vs Harper Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-harper/surety-bonds)
- [AIG vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/umbrella-excess)
- [AIG vs Harper Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-harper/umbrella-excess)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/umbrella-excess)
- [Alliance Risk vs Harper Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-harper/umbrella-excess)
- [Amelia Risk vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/umbrella-excess)
- [Amelia Risk vs Harper Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-harper/umbrella-excess)

## Sources for Berkshire Hathaway Specialty Insurance vs Harper

### Sources About 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.

### Sources About Harper

7. [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.
8. [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.
9. [Umbrella Insurance](https://www.harperinsure.com/coverages/umbrella). Harper; Know your coverage: What is Umbrella insurance?; Excess over general liability, Excess over auto, Above a workplace-injury suit, Contract compliance; Why Harper; FAQs on whether an umbrella is needed, what it follows, and pricing. Accessed 2026-09-23.

### Sources for the Umbrella and Excess Liability Insurance Guide

10. [Liability Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance). Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
12. [Lines of Insurance](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm). California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
13. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
14. [Products](https://kinro.com/products). Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16.

Updated 2026-10-01. 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 Review Scores for 2026

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 Review Scores for 2026

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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