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

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). Insureon markets Commercial Umbrella through its small-business quote channel. ^5,⁹

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 Insureon?

Insureon describes a small-business insurance agency and broker route with online quote entry and agent support. Its pages market several coverage types, but do not establish which insurer, policy form, state availability, or eligibility applies to a particular buyer. ^7,⁸

Read the Insureon profile

Read the Insureon 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. ^10,^11,^12,^13,¹⁴

Read the full coverage guide

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

Guide Forms and Quote-Channel Description

Berkshire Hathaway Specialty Insurance’s appetite guide identifies three structures and selective excess capacity for U.S. casualty risks. Insureon describes commercial umbrella as additional liability protection above underlying policies and offers an online quote-request path through its small-business channel. The first source is an appetite guide, the second a quote route and product overview; a request alone is not evidence that a quote will be offered or bound. ⁵ ⁹

Illustrative Structure and Buyer Terms

Berkshire Hathaway Specialty Insurance lists lead umbrella, follow-form excess, and retained-limit options, leaving account-specific availability to underwriting. Insureon’s page says underlying policies and terms depend on the quote. Buyers can use these descriptions to prepare the schedule, then compare the insurer named, limits, attachment, and exclusions in a completed proposal rather than infer them from an online request. ⁵ ⁹

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

Ask Berkshire Hathaway Specialty Insurance which form and selected-risk capacity its appetite guide supports for this account. ⁵
Ask Insureon for the quote-specific underlying policies, issuer, and terms after submitting the request. ⁹

Berkshire Hathaway Specialty Insurance and Insureon 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

-/ 10

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 reviews

Insureon Review Score

5.8/ 10

Review Score

4 rated sources

Insureon's ratings are split. Trustpilot shows 4.5 out of 5 from 2,401 reviews, while ConsumerAffairs shows 1.0 from 344.^[1]^[2]

Read Insureon reviews

Berkshire Hathaway Specialty Insurance vs Insureon Umbrella and Excess Liability Compared

Berkshire Hathaway Specialty Insurance vs Insureon: Umbrella and Excess Liability Insurance: documented features by provider

Criteria	Lead umbrella and excess casualty	Insureon Commercial Umbrella Insurance
Role in This Line	Confirm in your quote.	Insureon markets Commercial Umbrella insurance through its small-business quote channel. ⁹Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.
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.	The page addresses businesses seeking additional liability protection; it does not state an applicant’s limits, underlying-policy requirements or eligibility. ⁹Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.
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.	The page describes umbrella coverage as additional liability protection above underlying policies; which underlying policies and terms apply depend on the quote. ⁹Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.
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.	The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. ⁹Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered.
How to Apply	Confirm in your quote.	The cited Insureon product page provides an online quote request path; that route does not identify the insurer or guarantee that a quote will be offered or bound. ⁹Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.

Related Pages for Berkshire Hathaway Specialty Insurance vs Insureon

Umbrella and Excess Liability Pages for Berkshire Hathaway Specialty Insurance and Insureon

Other Coverage Lines Compared for Berkshire Hathaway Specialty Insurance vs Insureon

Other Umbrella and Excess Liability Insurance Provider Comparisons

Sources for Berkshire Hathaway Specialty Insurance vs Insureon

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 Insureon

How Insureon Works. Insureon; Agent/broker and carrier roles (L82-88); application and advertised quote/payment route (L89-97); human support (L98-101). Accessed 2026-09-28.
General Liability Insurance - Get Online Quotes. Insureon; Coverage/product overview; illustrative third-party claims; quote CTA. Accessed 2026-09-29.
Commercial Umbrella Insurance - Get Online Quotes. Insureon; Product definition and underlying policies L67-L90; quote CTA. Accessed 2026-09-29.

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.