---
title: "Berkshire Hathaway Specialty Insurance vs HUB International: Umbrella and Excess Liability Insurance"
description: "Berkshire Hathaway Specialty Insurance names U.S. umbrella/excess target industries subject to restrictions; HUB says its broader casualty practice spans transportation, construction, healthcare, hospitality, manufacturing/distribution, and real estate."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/umbrella-excess"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-hub-international"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "hub-international"
coverage-line: "umbrella-excess"
---

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

## Agent Guide

**What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and HUB International 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 HUB International. 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 HUB International for Umbrella and Excess Liability Insurance: how do they differ?
- Which is better for Umbrella and Excess Liability Insurance, Berkshire Hathaway Specialty Insurance or HUB International?
- What does Berkshire Hathaway Specialty Insurance or HUB International 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 HUB International?

**Key facts:**
- Line: Umbrella and Excess Liability Insurance. Providers: Berkshire Hathaway Specialty Insurance and HUB International.
- 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 HUB International](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international) — 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)
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile (evidence)
- [Berkshire Hathaway Specialty Insurance vs HUB International Builders Risk Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/crime) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/cyber) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/general-liability) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Product Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/product-liability) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/representations-warranties) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/technology-errors-omissions) — 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 HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-hub-international/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 HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/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 HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/umbrella-excess) — sibling comparison (other line, or other pair for this line)

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

Berkshire Hathaway Specialty Insurance names U.S. umbrella/excess target industries subject to restrictions; HUB says its broader casualty practice spans transportation, construction, healthcare, hospitality, manufacturing/distribution, and real estate.

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

Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and HUB International 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 HUB International Umbrella and Excess Liability Insurance Summary

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](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") [10](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")

## 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 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](https://www.hubinternational.com/about-us/ "About Us") [8](https://www.hubinternational.com/contact-us/ "Contact Us") [9](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## 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](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [12](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [13](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm "Lines of Insurance") [14](https://www.coverdash.com/coverage "Coverage Hub") [15](https://kinro.com/products "Products")

## 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](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") [10](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")

### 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](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [10](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")

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

- Ask Berkshire Hathaway Specialty Insurance whether its target-class and selected-capacity guide applies to this operation. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.")
- Ask HUB which insurer and layer its casualty practice can place for the underlying schedule. [10](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")

## Berkshire Hathaway Specialty Insurance vs HUB International Umbrella and Excess Liability Compared

| 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. [10](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [10](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Not found in reviewed sources; scope: 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. [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..) | HUB says its casualty expertise, which includes umbrella and excess liability, spans transportation, construction, healthcare, hospitality, manufacturing/distribution and real estate industries. [10](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [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..) | 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. [10](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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. [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..) | Published umbrella or excess limit amounts, attachment points or premium information were not found on the casualty insurance page. [10](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Not publicly disclosed; scope: 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. [10](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") (Evidence: Company-reported; scope: 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

- [Berkshire Hathaway Specialty Insurance vs HUB International](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international): 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 HUB International Builders Risk Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/builders-risk)
- [Berkshire Hathaway Specialty Insurance vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/cargo-transit)
- [Berkshire Hathaway Specialty Insurance vs HUB International Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/commercial-property)
- [Berkshire Hathaway Specialty Insurance vs HUB International Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/crime)
- [Berkshire Hathaway Specialty Insurance vs HUB International Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/cyber)
- [Berkshire Hathaway Specialty Insurance vs HUB International D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/directors-officers)
- [Berkshire Hathaway Specialty Insurance vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/employment-practices)
- [Berkshire Hathaway Specialty Insurance vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/fiduciary)
- [Berkshire Hathaway Specialty Insurance vs HUB International General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/general-liability)
- [Berkshire Hathaway Specialty Insurance vs HUB International Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/inland-marine)
- [Berkshire Hathaway Specialty Insurance vs HUB International Product Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/product-liability)
- [Berkshire Hathaway Specialty Insurance vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/professional-errors-omissions)
- [Berkshire Hathaway Specialty Insurance vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/representations-warranties)
- [Berkshire Hathaway Specialty Insurance vs HUB International Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/surety-bonds)
- [Berkshire Hathaway Specialty Insurance vs HUB International Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/technology-errors-omissions)
- [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 HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-hub-international/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 HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/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 HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/umbrella-excess)

## Sources for Berkshire Hathaway Specialty Insurance vs HUB International

### 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 HUB International

7. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
8. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
9. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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.
10. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). 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

11. [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.
12. [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.
13. [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.
14. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
15. [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).

## HUB International Review Scores for 2026

Review Score: 5.6 / 10 from 2 rated sources, equally weighted.

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-.

- BBB: BBB business grade A- (BBB letter grade). BBB profile for HUB International, Chicago headquarters and its corporate-owned locations (United States). HUB is a global broker; BBB coverage is US/Canada and split by office profile. Period: current page, accessed 2026-09-29; 3 complaints closed in last 3 years. Checked 2026-09-29. [HUB International | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202)
- BBB customer reviews: BBB customer reviews 1 (out of 5); 7 reviews. Customer reviews left on the same BBB headquarters profile (HQ and corporate-owned US locations). Small sample. Checked 2026-09-29. [HUB International | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202/customer-reviews)
- BBB Canada West: BBB business grade A- (BBB letter grade). BBB profile for HUB International Canada West ULC, Burnaby BC. Covers one Canadian regional entity only, not the whole group. Period: current page; 13 complaints closed in last 3 years; 3 customer reviews. Checked 2026-09-29. [HUB International Canada West ULC | BBB Reviews](https://www.bbb.org/ca/bc/burnaby/profile/insurance-services-office/hub-international-insurance-brokers-hub-coastal-0037-120326/customer-reviews)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/umbrella-excess.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
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- [Public page index](https://spot.insure/llms.txt)