Berkshire Hathaway Specialty Insurance vs 
Kinro: How Do They Compare for Umbrella and Excess Liability Insurance?
Berkshire Hathaway Specialty Insurance names construction, real estate, and trucking among its U.S. umbrella/excess target classes, subject to restrictions and underwriting. Kinro says contractors, property owners, and fleet risks commonly fit umbrella/excess when contracts require higher limits than primary policies provide. 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 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. 7,8,9
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 Kinro Umbrella and Excess Liability Insurance?
Business Classes and Common Fits
Berkshire Hathaway Specialty Insurance lists construction, real estate, and trucking among U.S. umbrella/excess targets, subject to restrictions and underwriting. Kinro names contractors, property owners, and fleet risks as common fits and says higher limits are often triggered by contract requirements. The descriptions overlap on construction/contractor, real-estate/property, and transportation/fleet operations, while Kinro additionally identifies contract limits as a common trigger. 6 10
Underlying-Layer Structure
For selected risks in its U.S. casualty appetite, Berkshire Hathaway Specialty Insurance lists lead umbrella, follow-form excess, and retained-limit forms. Kinro describes umbrella/excess as added limits above scheduled general liability, commercial auto, or employer-liability policies. Both describe an excess layer above primary liability coverage, with BHSI naming structural options and Kinro naming common underlying lines; neither description specifies an account’s issued schedule. 5 10
What Should You Confirm in Berkshire Hathaway Specialty Insurance and Kinro Umbrella and Excess Liability Insurance Quotes?
Berkshire Hathaway Specialty Insurance and Kinro 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 reviewsKinro Review Score
Review Score
No reviews found
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.[7]
Read Kinro reviewsBerkshire Hathaway Specialty Insurance vs Kinro Umbrella and Excess Liability Compared
Berkshire Hathaway Specialty Insurance vs Kinro: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | Lead umbrella and excess casualty | Kinro Umbrella / Excess Liability |
|---|---|---|
| Role in This Line | Confirm in your quote. | Kinro is a broker: it matches a business to an umbrella or excess carrier rather than underwriting the policy itself, saying the product "can underwrite differently" by operation and that carrier compatibility with the underlying policy schedule affects market fit. 10Company-reported. Umbrella / Excess Liability page "Coverage", "Routing" and "Market fit" sections. |
| 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. | Kinro says umbrella/excess coverage commonly fits contractors, property owners, restaurants and fleet risks, and typically comes up when a contract asks for limits higher than the primary policy provides. 10Company-reported. Umbrella / Excess Liability page "Common fit" and "Triggers" sections. |
| 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. | Kinro describes umbrella or excess liability as adding limits above scheduled underlying general liability, commercial auto or employer liability policies, driven by contract, landlord, venue or customer limit requirements. 10Company-reported. Umbrella / Excess Liability page introduction and "Coverage" section; actual terms depend on the carrier, underlying schedule and policy placed. |
| 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 reviewed page does not publish specific umbrella or excess limit amounts or premiums; it lists the required umbrella/excess limit and underlying policy limits as inputs carriers need to quote, not published amounts. 10Not found in reviewed sources. Umbrella / Excess Liability page "Quote file" section as read on 2026-09-23. |
| How to Apply | Confirm in your quote. | To quote umbrella or excess coverage, Kinro collects the underlying policies, limits, carriers and effective dates, plus business operations, fleet details and payroll, and often reviews it together with general liability, commercial auto and workers' compensation coverage. 10Company-reported. Umbrella / Excess Liability page "Quote file" and "Reviewed with" sections. |
Related Pages for Berkshire Hathaway Specialty Insurance vs Kinro
Umbrella and Excess Liability Pages for Berkshire Hathaway Specialty Insurance and Kinro
Other Coverage Lines Compared for Berkshire Hathaway Specialty Insurance vs Kinro
Other Umbrella and Excess Liability Insurance Provider Comparisons
Sources for Berkshire Hathaway Specialty Insurance vs Kinro
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 Kinro
- Kinro Business Insurance. 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.
- Free Review Of Your Insurance Policy. Kinro; Introductory price/coverage claim and step 1 of 2 upload panel; accepted documents and file limits. Accessed 2026-09-15.
- For Carriers And MGAs. Kinro; Product access; API integration; approvals paragraph after Dormant lead recovery. Accessed 2026-09-15.
- Umbrella / Excess 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.
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.
