Berkshire Hathaway Specialty Insurance vs 
HUB International: How Do They Compare for Cargo and Transit Insurance?
HUB describes cargo loss, damage or theft during land, sea or air transit and stock throughput from manufacture through final delivery. BHSI’s U.S. Marine catalog lists ocean cargo, project cargo, stock throughput and ocean/inland marine categories; it separately names import/export, freight/logistics and manufacturing customers. Territory and terms remain policy-specific. 10,5
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. 1,2,3,4
Read the Berkshire Hathaway Specialty Insurance profile
Read the Berkshire Hathaway Specialty Insurance Cargo and Transit Insurance page
What Is HUB International?
HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. 7,8,9
What Is Cargo and Transit Insurance?
Cargo coverage fits a shipper protecting goods it owns or a carrier responsible for another party’s goods. The quote needs to match who bears the loss, the shipment route and storage stops. 11,12,13,14
What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and HUB International Cargo and Transit Insurance?
Transit and stock-throughput scope
HUB describes marine cargo protection for damage, loss or theft while freight moves by land, sea or air, plus stock throughput from manufacturing through final delivery. BHSI’s U.S. Marine catalog lists ocean cargo, project cargo and stock throughput. Compare the actual route and location schedules rather than merging catalog labels. 10 5
Target marine customers
HUB names ocean-cargo, vessel, port/terminal, shipowner/operator, shipyard, supply-chain and logistics businesses. BHSI’s U.S. Marine catalog names importers/exporters, freight/logistics operators and manufacturers. Both descriptions include logistics-related businesses, while HUB also lists marine infrastructure and vessel businesses; neither list guarantees appetite. 10 5
What Should You Confirm in Berkshire Hathaway Specialty Insurance and HUB International Cargo and Transit Insurance Quotes?
Berkshire Hathaway Specialty Insurance and HUB International Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Berkshire Hathaway Specialty Insurance Review Score
Review Score
No reviews found
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.[5][7]
Read Berkshire Hathaway Specialty Insurance reviewsHUB International Review Score
Review Score
2 rated sources
Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.[7][6]
Read HUB International reviewsBerkshire Hathaway Specialty Insurance vs HUB International Cargo and Transit Compared
Berkshire Hathaway Specialty Insurance vs HUB International: Cargo and Transit Insurance: documented features by provider
| Criteria | BHSI’s current Ocean Marine catalog lists Ocean Cargo, Stock Throughputs and Project Cargo, separately from Inland Marine; the detailed cargo appetite evidence is an older, date-limited guide. | HUB International Marine Cargo Insurance Brokerage |
|---|---|---|
| Role in This Line | Confirm in your quote. | HUB brokers marine cargo insurance through a dedicated marine practice rather than underwriting the policy itself. 10Company-reported. Marine insurance product page as read 2026-09-23; the page does not name an issuing insurer. |
| Issuing Insurer | Confirm in your quote. | The marine insurance page does not name an issuing insurer for cargo coverage; HUB places marine business with carriers that vary by placement. 10Not found in reviewed sources. Checked the marine insurance product page on 2026-09-23; no carrier is disclosed there. |
| Who It’s For | The marine catalog names importers/exporters, freight/logistics operators and manufacturers among its target customers. 5Company-reported. BHSI U.S. Ocean Marine target-account list only; not Inland Marine eligibility. Material limitation: Target customer examples do not define every acceptable cargo or shipment. The Ocean Marine Cargo guide describes target risks including manufacturers/distributors of finished goods, machinery and equipment, food and beverage, bulk liquids, containerized goods, and stock with balanced exposure; it lists pharmaceuticals, project cargo, autos, DOL, and livestock as out of appetite. 6Company-reported. BHSI Ocean Marine Cargo/STP appetite in U.S. marketing material marked US-12/22-A. Material limitation: This is historical appetite guidance, not a policy exclusion list or current acceptance commitment. The current BHSI Marine catalog separately lists Project Cargo as an Ocean Marine product while this 2022 guide lists it out of appetite; current product-specific meaning and appetite must be reconciled with underwriting. It does not establish Inland Marine eligibility. | HUB says its marine practice serves ocean cargo, passenger vessel, port and terminal operator, ship owner and operator, shipyard, and supply chain and logistics businesses. 10Company-reported. Product-page target-market list; not a published underwriting appetite by cargo type or region. |
| Coverage Features | BHSI's marine program lists ocean cargo, project cargo and stock-throughput coverage. 5Company-reported. BHSI U.S. Ocean Marine catalog; not inland transit or proof of the policy territory. Material limitation: Policy territory and transit definitions must be checked; catalog does not itself establish global scope. BHSI’s marine catalog distinguishes ocean marine and inland marine, and separately lists stock-throughput as an option. 5Company-reported. US BHSI catalog. Material limitation: Confirm how Spot's shared cargo-transit key maps to these distinctions before coding coverage. BHSI’s Ocean Marine Cargo overview lists stock throughput, ocean/international transit, domestic transit, excess stock, logistics, and contingent cargo coverage as coverage types available. 6Company-reported. BHSI U.S. Ocean Marine Cargo marketing overview marked US-12/22-A; the current marine catalog independently lists Ocean Cargo and Stock Throughputs under Ocean Marine. Material limitation: Not all types are necessarily combined or available for every insured. Domestic transit wording is not a basis to merge this line with the separately listed Inland Marine catalog. Verify current forms, exclusions, territory and issuer. | HUB describes marine cargo insurance as covering damage, loss or theft of freight while it is in transit by land, sea or air, and separately offers stock throughput insurance that covers goods from the manufacturing stage through final delivery. 10Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim. |
| Limits and Retentions | The BHSI Ocean Marine Cargo guide states up to $25 million maximum line, subject to risk profile, a $15,000 minimum premium, worldwide coverage, and primary or excess positions. 6Company-reported. U.S. Ocean Marine Cargo/STP marketing guide marked US-12/22-A; $25 million capacity expressly depends on risk profile. Material limitation: The document is dated 2022-12 and says multinational policy ability would follow in 2025; do not treat its worldwide wording or current availability as confirmed. Capacity is not an insured limit, and minimum premium is not a quote. Reconfirm current appetite and issuer. | Published per-shipment or per-conveyance limits for HUB-placed cargo coverage were not found on this page. 10Not publicly disclosed. Checked the marine insurance product page on 2026-09-23; limits are set on the quote and declarations. |
| How to Apply | Confirm in your quote. | HUB directs prospects to contact a HUB marine insurance specialist to arrange coverage; no online quote flow is described. 10Company-reported. Product-page call to action as read 2026-09-23. |
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Cargo and Transit Pages for Berkshire Hathaway Specialty Insurance and HUB International
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Sources for Berkshire Hathaway Specialty Insurance vs HUB International
Sources About Berkshire Hathaway Specialty Insurance
- At A Glance. 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.
- 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.
- Terms of Service. 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.
- Public Disclosure — 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.
- Marine. Berkshire Hathaway Specialty Insurance; Inland and ocean marine product list, covered property classes and target businesses; lines 18-69. Accessed 2026-09-28.
- Ocean Marine Cargo Overview. Berkshire Hathaway Specialty Insurance; Two-page U.S. marketing PDF marked US-12/22-A; product types lines 14-20; ocean marine cargo appetite, capacity and placement lines 43-57; out-of-appetite and target risk characteristics lines 58-72; terms disclaimer lines 103-114. Accessed 2026-09-28.
Sources About HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- Marine Insurance Broker Policy & Coverage. HUB International; Marine Cargo Insurance section: protects inventory while in transit, covers damage, loss or theft of freight during transportation by land, sea or air; Stock Throughput Insurance section; Marine Liabilities list; target markets including Ocean Cargo and Supply Chain/Logistics; Contact a HUB marine insurance specialist. Accessed 2026-09-23.
Sources for the Cargo and Transit Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
- Shipping Options. International Trade Administration, U.S. Department of Commerce; Export Shipping Basics; Tips on International Shipping from U.S.; Working with Freight Forwarders. Accessed 2026-09-16.
- Special Documents. International Trade Administration, U.S. Department of Commerce; Insurance Certificate bullet. Accessed 2026-09-16.
- Motor Truck Cargo Legal Liability Coverage. American Association of Insurance Services, Inc.; hosted by National Unity; Coverage and Property Covered pp.1–2; Perils Excluded pp.6–7; Valuation p.8; How Much We Pay p.9; Transit definition p.13. Accessed 2026-09-16.
