--- title: "Berkshire Hathaway Specialty Insurance vs Kinro: Cyber Insurance" description: "Berkshire Hathaway Specialty Insurance names cyber policy forms, while Kinro matches businesses to carriers using security and data details." canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-kinro/cyber" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "berkshire-hathaway-specialty-insurance-vs-kinro" provider-a: "berkshire-hathaway-specialty-insurance" provider-b: "kinro" coverage-line: "cyber" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-kinro/cyber) ## Agent Guide **What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and Kinro for Cyber 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 Cyber Insurance questions about Berkshire Hathaway Specialty Insurance versus Kinro. 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 Kinro for Cyber Insurance: how do they differ? - Which is better for Cyber Insurance, Berkshire Hathaway Specialty Insurance or Kinro? - What does Berkshire Hathaway Specialty Insurance or Kinro publish about Cyber Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Cyber Insurance from Berkshire Hathaway Specialty Insurance or Kinro? **Key facts:** - Line: Cyber Insurance. Providers: Berkshire Hathaway Specialty Insurance and Kinro. - 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 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Berkshire Hathaway Specialty Insurance vs Kinro](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-kinro) — parent: all coverage lines for this pair - [Cyber Insurance guide](https://spot.insure/coverage/cyber) — coverage explainer for this line - [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) — provider profile (evidence) - [Kinro profile](https://spot.insure/insurance-providers/kinro) — provider profile (evidence) - [Berkshire Hathaway Specialty Insurance vs Kinro D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-kinro/directors-officers) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Kinro General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-kinro/general-liability) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Kinro Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-kinro/inland-marine) — sibling comparison (other line, or other pair for this line) - [AIG vs Berkshire Hathaway Specialty Insurance Cyber Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/cyber) — sibling comparison (other line, or other pair for this line) - [AIG vs Kinro Cyber Insurance](https://spot.insure/compare/aig-vs-kinro/cyber) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/cyber) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Kinro Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-kinro/cyber) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Berkshire Hathaway Specialty Insurance Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/cyber) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Kinro Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-kinro/cyber) — sibling comparison (other line, or other pair for this line) # Berkshire Hathaway Specialty Insurance vs Kinro: How Do They Compare for Cyber Insurance? Berkshire Hathaway Specialty Insurance names cyber policy forms, while Kinro matches businesses to carriers using security and data details. ## Research Scope and Use Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Kinro for Cyber 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. ## Summary Berkshire Hathaway Specialty Insurance offers standalone or blended cyber forms; Kinro’s broker intake weighs business data, revenue, and security controls against carrier appetite. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/ "Professional First Network Security & Privacy Policy") [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [10](https://kinro.com/products/cyber-liability "Cyber Liability") ## 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 Kinro Insurance? Kinro fits U.S. small businesses that want a free review of an existing policy or renewal packet and agent help comparing quotes online. Its pages don't name the insurer behind a given quote, so ask which markets Kinro approached before you switch. [7](https://kinro.com/ "Kinro Business Insurance") [8](https://kinro.com/policy-review "Free Review Of Your Insurance Policy") [9](https://kinro.com/partners/carriers "For Carriers And MGAs") [Kinro profile](https://spot.insure/insurance-providers/kinro) ## What Is Cyber Insurance? Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. [11](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance") [12](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf "CyberEdge specimen policy") ## Key Differences in Cyber Insurance ### How coverage takes shape Berkshire Hathaway Specialty Insurance describes a standalone Network Security & Privacy product and blended E&O/Cyber forms. Kinro brokers cyber liability across carriers and says underwriting appetite changes with the operation, so the eventual terms depend on the selected market. A buyer who needs cyber coordinated with E&O can compare BHSI’s named form options with Kinro’s carrier-matching conversation. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/ "Professional First Network Security & Privacy Policy") [10](https://kinro.com/products/cyber-liability "Cyber Liability") ### Intake questions and stated appetite Kinro asks for revenue, record counts, payment handling, data types, and controls such as multifactor authentication and backups; it often reviews cyber with E&O, BOP, and D&O. Berkshire Hathaway Specialty Insurance names professional-services firms as a target and separately lists technology, telecom, and financial-sector businesses in targeted or selective categories. Those details help you prepare an application and check appetite before comparing terms. [10](https://kinro.com/products/cyber-liability "Cyber Liability") [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/ "Professional First Network Security & Privacy Policy") ## What to Confirm in Cyber Insurance Quotes - Ask Kinro which carriers will consider your revenue, records, payment flow, and security controls, then request the proposed insurer and form. [10](https://kinro.com/products/cyber-liability "Cyber Liability") - Ask BHSI which appetite category applies to your industry and whether standalone or blended coverage is proposed; compare the resulting limits with the carrier option Kinro presents. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/ "Professional First Network Security & Privacy Policy") [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/ "Professional First Network Security & Privacy Policy") ## Offering Details | Criteria | Professional First Network Security & Privacy | Kinro Cyber Liability | | --- | --- | --- | | Role in This Line | BHSI describes both a stand-alone Network Security & Privacy policy and blended E&O/Cyber forms in Professional First. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/ "Professional First Network Security & Privacy Policy") [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") (Evidence: Company-reported; scope: Form selection depends on the risk and proposal; the overview does not establish issuance for an individual applicant..) | Kinro is a broker: it matches a business to a cyber liability carrier rather than underwriting the policy itself, saying the product "can underwrite differently" by operation and that market fit depends on carrier appetite. [10](https://kinro.com/products/cyber-liability "Cyber Liability") (Evidence: Company-reported; scope: Cyber Liability page "Routing" and "Market fit" sections..) | | Who It’s For | The Network Security & Privacy page names professional-services firms among its targets; the overview separately lists technology, telecom and financial-sector customers in targeted or selective categories. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/ "Professional First Network Security & Privacy Policy") [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") (Evidence: Company-reported; scope: The overview’s class lists have different appetite labels; neither is a blanket eligibility rule..) | Kinro says cyber liability commonly fits professional services, retail, restaurants and SaaS businesses, and typically comes up when a business stores customer, payment, employee or health information, relies on cloud tools or online payments, or a client contract requires cyber limits. [10](https://kinro.com/products/cyber-liability "Cyber Liability") (Evidence: Company-reported; scope: Cyber Liability page "Common fit" and "Triggers" sections..) | | Coverage Features | BHSI markets third-party breach exposures, direct breach-response and extortion expenses, and business interruption from a network-security failure. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/ "Professional First Network Security & Privacy Policy") (Evidence: Company-reported; scope: The product page is a coverage summary; conditions, sublimits and exclusions require the policy and endorsements..) | Kinro says cyber liability placements typically address data breach, ransomware, privacy, funds-transfer fraud and incident-response questions, along with exposures tied to vendor, payment, customer-data and employee-data handling. [10](https://kinro.com/products/cyber-liability "Cyber Liability") (Evidence: Company-reported; scope: Cyber Liability page "Coverage" section; actual terms depend on the carrier and policy placed..) | | Limits and Retentions | Confirm in your quote. | The reviewed page does not publish cyber liability limits, retentions or premiums; it lists current cyber limits and contractual requirements as inputs carriers need to quote, not published amounts. [10](https://kinro.com/products/cyber-liability "Cyber Liability") (Evidence: Not found in reviewed sources; scope: Cyber Liability page "Quote file" section as read on 2026-09-23..) | | Risk Services | BHSI lists eRiskHub as a resource with its Network Security & Privacy product. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/ "Professional First Network Security & Privacy Policy") (Evidence: Company-reported; scope: The product-page listing does not define the resource’s service scope or confirm availability on an individual policy..) | Confirm in your quote. | | How to Apply | Confirm in your quote. | To quote cyber liability, Kinro collects revenue, record counts, payment handling and data types, plus security controls such as MFA, backups, email protections and vendor access, and often reviews cyber together with E&O, BOP and D&O coverage. [10](https://kinro.com/products/cyber-liability "Cyber Liability") (Evidence: Company-reported; scope: Cyber Liability page "Quote file" and "Reviewed with" sections..) | ## Full Comparison - [Berkshire Hathaway Specialty Insurance vs Kinro](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-kinro): all coverage lines, business roles, service and claims. - [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks. - [Berkshire Hathaway Specialty Insurance vs Kinro D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-kinro/directors-officers) - [Berkshire Hathaway Specialty Insurance vs Kinro General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-kinro/general-liability) - [Berkshire Hathaway Specialty Insurance vs Kinro Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-kinro/inland-marine) - [AIG vs Berkshire Hathaway Specialty Insurance Cyber Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/cyber) - [AIG vs Kinro Cyber Insurance](https://spot.insure/compare/aig-vs-kinro/cyber) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/cyber) - [Alliance Risk vs Kinro Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-kinro/cyber) - [Amelia Risk vs Berkshire Hathaway Specialty Insurance Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/cyber) - [Amelia Risk vs Kinro Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-kinro/cyber) ## Sources ### 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. [Professional First Network Security & Privacy Policy](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/). Berkshire Hathaway Specialty Insurance; Product Highlights, lines 6–19: third-party breach exposures, regulatory investigations, direct response/extortion expense, electronic-content media liability and network-security business interruption; target professional services. Retained canonical source record accessed 2026-09-28; direct re-open failed in this session.. Accessed 2026-09-28. 6. [Professional First Professional Liability Overview](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf). Berkshire Hathaway Specialty Insurance; PDF pp. 1–2: separately named Professional First Media Liability and Network Security & Privacy; targeted customer categories; in-house claims handling; product portfolio descriptions. Version 2026-06-03-A; re-opened 2026-09-30.. Accessed 2026-09-30. ### Kinro 7. [Kinro Business Insurance](https://kinro.com/). Kinro; Hero; Clear guidance before you buy; industry groups; carrier-logo strip; Insurance expertise; FAQs on follow-up, purchase obligation and AI; footer. Accessed 2026-09-15. 8. [Free Review Of Your Insurance Policy](https://kinro.com/policy-review). Kinro; Introductory price/coverage claim and step 1 of 2 upload panel; accepted documents and file limits. Accessed 2026-09-15. 9. [For Carriers And MGAs](https://kinro.com/partners/carriers). Kinro; Product access; API integration; approvals paragraph after Dormant lead recovery. Accessed 2026-09-15. 10. [Cyber Liability](https://kinro.com/products/cyber-liability). Kinro; Common fit; Product file; Coverage — What it usually handles; Triggers — When it comes up; Quote file — Inputs carriers usually need; Routing — Match the product to the operation; Market fit. Accessed 2026-09-23. ### Cyber Insurance Guide 11. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16. 12. [CyberEdge specimen policy](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf). AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16. Updated 2026-09-30. 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 Reviews 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). ## Kinro Reviews Review Score: not enough ratings. We found no independent customer reviews of Kinro. It shows a 5.0 Google rating on its own website, but there is no review count or listing behind it. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/kinro/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-kinro/cyber.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)