Berkshire Hathaway Specialty Insurance vs 
HUB International: How Do They Compare for Umbrella and Excess Liability Insurance?
Berkshire Hathaway Specialty Insurance lists manufacturers, real estate, grocery, financial institutions, construction, energy, and trucking as U.S. umbrella/excess targets, subject to restrictions and underwriting. HUB lists transportation, construction, healthcare, hospitality, manufacturing/distribution, and real estate for its broader casualty practice, not as umbrella-specific eligibility criteria. 6,10
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 Umbrella and Excess Liability 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
Read the HUB International profile
Read the HUB International Umbrella and Excess Liability Insurance page
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. 11,12,13,14,15
What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and HUB International Umbrella and Excess Liability Insurance?
Target Classes and Broader Practice Industries
Berkshire Hathaway Specialty Insurance’s named list is specifically for U.S. umbrella/excess targets and remains subject to underwriting restrictions. HUB’s industry list describes its wider casualty expertise, which includes umbrella and excess, rather than line-specific acceptance criteria. A buyer in an overlapping sector can use these lists to frame a submission but should not treat HUB’s practice coverage as an eligibility promise or Berkshire Hathaway Specialty Insurance’s targets as automatic acceptance. 6 10
Capacity and Brokerage Scope
Berkshire Hathaway Specialty Insurance’s guide gives a $10 million excess-capacity reference for selected risks. HUB describes brokerage of umbrella and excess placements through its casualty practice, alongside carrier relationships and casualty services. These are different planning details—selective insurer-market capacity versus intermediary placement support. For a buyer building a tower, the useful comparison is a written proposal naming the insurer, layer, and attachment rather than assuming the guide amount will be offered. 5 10
What Should You Confirm in Berkshire Hathaway Specialty Insurance and HUB International Umbrella and Excess Liability 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 Umbrella and Excess Liability Compared
Berkshire Hathaway Specialty Insurance vs HUB International: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | Lead umbrella and excess casualty | HUB International Umbrella and Excess Liability Insurance Brokerage |
|---|---|---|
| Role in This Line | Confirm in your quote. | HUB brokers umbrella and excess liability insurance through its casualty practice rather than underwriting the coverage itself. 10Company-reported. Casualty insurance product page as read 2026-09-23; the page does not name an issuing insurer. |
| Issuing Insurer | Confirm in your quote. | The casualty insurance page does not name an issuing insurer for umbrella or excess coverage; HUB places this coverage with insurers that vary by client and program. 10Not found in reviewed sources. Checked the casualty insurance page on 2026-09-23; no carrier is disclosed there. |
| Who It’s For | BHSI lists manufacturers/distributors, real estate, grocery, financial institutions, construction, energy and trucking as umbrella/excess targets. 6Company-reported. BHSI US lead umbrella/excess casualty targets. Material limitation: Targets remain subject to restrictions and underwriting appetite. | HUB says its casualty expertise, which includes umbrella and excess liability, spans transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate industries. 10Company-reported. Product-page industry list for the broader casualty practice; not umbrella-specific eligibility criteria. |
| Coverage Features | BHSI markets lead umbrella and excess casualty as an explicit product line and lists pollution/contractor-form features. 6Company-reported. US commercial casualty placements. Material limitation: Marketing overview; the manuscript and broker-specific forms require underwriting. | HUB describes umbrella and excess liability coverage as protection against potentially catastrophic liability claim settlements and judgments that exceed the limits of a client's underlying general liability, auto or employers'-liability policies. 10Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim. |
| 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. 5Company-reported. Select risks in the guide’s US casualty appetite. Material limitation: Capacity is not a quote or universally available layer; “more” is risk-selective. | Published umbrella or excess limit amounts, attachment points or premium information were not found on the casualty insurance page. 10Not publicly disclosed. Checked the casualty insurance page on 2026-09-23; limits are set on the quote and declarations. |
| Risk Services | Confirm in your quote. | HUB describes a "Global Reach, Local Touch" approach built on extensive carrier relationships and says it applies risk-services, claims, litigation and analytics expertise across its casualty programs, which include umbrella and excess placements. 10Company-reported. Product-page service description; a company-reported capability describing the broader casualty practice, not umbrella-specific service detail. |
Related Pages for Berkshire Hathaway Specialty Insurance vs HUB International
Umbrella and Excess Liability Pages for Berkshire Hathaway Specialty Insurance and HUB International
Other Coverage Lines Compared for Berkshire Hathaway Specialty Insurance vs HUB International
Other Umbrella and Excess Liability Insurance Provider Comparisons
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.
- Casualty Appetite Guide - U.S. 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.
- 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 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.
- Comprehensive Casualty Insurance Solutions. HUB International; Umbrella & Excess Liability section: protection for potentially catastrophic liability claim settlements and judgments; General & Product Liability section; Global Reach, Local Touch carrier-relationship description; industries served list; Connect With a HUB casualty insurance broker. Accessed 2026-09-23.
Sources for the Umbrella and Excess Liability Insurance Guide
- 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.
- Commercial Insurance Guide. 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.
- Lines of Insurance. 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.
- Coverage Hub. Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
- Products. Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16.
