---
title: "Berkshire Hathaway Specialty Insurance vs Liberty Mutual: Cargo and Transit Insurance"
description: "BHSI publishes a maximum line and minimum premium for ocean cargo, while Liberty Mutual's page only lists cargo stock-throughput for wholesale businesses."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/cargo-transit"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-liberty-mutual"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "liberty-mutual"
coverage-line: "cargo-transit"
---

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[Human-readable page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/cargo-transit)

## Agent Guide

**What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and Liberty Mutual for Cargo and Transit 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 Cargo and Transit Insurance questions about Berkshire Hathaway Specialty Insurance versus Liberty Mutual. 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 Liberty Mutual for Cargo and Transit Insurance: how do they differ?
- Which is better for Cargo and Transit Insurance, Berkshire Hathaway Specialty Insurance or Liberty Mutual?
- What does Berkshire Hathaway Specialty Insurance or Liberty Mutual publish about Cargo and Transit Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Cargo and Transit Insurance from Berkshire Hathaway Specialty Insurance or Liberty Mutual?

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

# Berkshire Hathaway Specialty Insurance vs Liberty Mutual: How Do They Compare for Cargo and Transit Insurance?

BHSI publishes a maximum line and minimum premium for ocean cargo, while Liberty Mutual's page only lists cargo stock-throughput for wholesale businesses.

## How to Use the Berkshire Hathaway Specialty Insurance vs Liberty Mutual Cargo and Transit Insurance Comparison

Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Liberty Mutual for Cargo and Transit 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 Liberty Mutual Cargo and Transit Insurance Summary

BHSI's ocean cargo guide states a maximum line of up to $25 million with a $15,000 minimum premium. Liberty Mutual's page addresses wholesalers and distributors and does not define policy wording. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview") [9](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution")

## 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 Liberty Mutual Business Insurance?

Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. [7](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [8](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions")

[Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual)

## What Is Cargo and Transit Insurance?

Cargo coverage fits a shipper protecting goods it owns or a carrier responsible for another party’s goods. The quote needs to match who bears the loss, the shipment route and storage stops. [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://www.trade.gov/shipping-options "Shipping Options") [12](https://www.trade.gov/special-documents "Special Documents") [13](https://www.nationalunity.com/National/MotorTruckCargoLiability.pdf "Motor Truck Cargo Legal Liability Coverage")

## What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Liberty Mutual Cargo and Transit Insurance?

### Published terms versus a product mention

BHSI lists ocean/international transit, domestic transit, excess stock, logistics and contingent cargo among its cargo coverage types [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview"). Liberty Mutual lists stock-throughput among options for wholesale and distribution businesses without defining transit exposures [9](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution").

### Who each page speaks to

BHSI names importers and exporters, freight and logistics operators and manufacturers, and lists pharmaceuticals, autos and livestock as out of appetite [5](https://www.bhspecialty.com/us-products/us-marine/ "Marine")[6](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview"). Liberty Mutual addresses wholesalers and distributors and suggests asking a broker about the applicable product and insurer [9](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution").

### Limits and how you buy

BHSI states worldwide coverage in primary or excess positions, and cautions that the detailed cargo appetite evidence comes from an older guide [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview"). Liberty Mutual's page establishes no online application or binding path [9](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution").

## What Should You Confirm in Berkshire Hathaway Specialty Insurance and Liberty Mutual Cargo and Transit Insurance Quotes?

- Ask BHSI to confirm the current maximum line and minimum premium, because the guide is date-limited [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview").
- Ask Liberty Mutual which insurer and form would apply to stock-throughput, and what transit exposures it includes [9](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution").
- Ask both whether your goods fall within appetite.

## Berkshire Hathaway Specialty Insurance vs Liberty Mutual Cargo and Transit Compared

| Criteria | BHSI’s current Ocean Marine catalog lists Ocean Cargo, Stock Throughputs and Project Cargo, separately from Inland Marine; the detailed cargo appetite evidence is an older, date-limited guide. | Wholesale cargo stock-throughput coverage |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | Liberty Mutual lists cargo stock-throughput coverage among options for wholesale and distribution businesses. [9](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Wholesale cargo stock-throughput coverage. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) |
| Who It’s For | The marine catalog names importers/exporters, freight/logistics operators and manufacturers among its target customers. [5](https://www.bhspecialty.com/us-products/us-marine/ "Marine") (Evidence: Company-reported; scope: BHSI U.S. Ocean Marine target-account list only; not Inland Marine eligibility. Material limitation: Target customer examples do not define every acceptable cargo or shipment..)<br><br>The Ocean Marine Cargo guide describes target risks including manufacturers/distributors of finished goods, machinery and equipment, food and beverage, bulk liquids, containerized goods, and stock with balanced exposure; it lists pharmaceuticals, project cargo, autos, DOL, and livestock as out of appetite. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview") (Evidence: Company-reported; scope: BHSI Ocean Marine Cargo/STP appetite in U.S. marketing material marked US-12/22-A. Material limitation: This is historical appetite guidance, not a policy exclusion list or current acceptance commitment. The current BHSI Marine catalog separately lists Project Cargo as an Ocean Marine product while this 2022 guide lists it out of appetite; current product-specific meaning and appetite must be reconciled with underwriting. It does not establish Inland Marine eligibility..) | The page addresses wholesale and distributor customers; ask a broker about the applicable product and insurer. [9](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Wholesale cargo stock-throughput coverage. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) |
| Coverage Features | BHSI's marine program lists ocean cargo, project cargo and stock-throughput coverage. [5](https://www.bhspecialty.com/us-products/us-marine/ "Marine") (Evidence: Company-reported; scope: BHSI U.S. Ocean Marine catalog; not inland transit or proof of the policy territory. Material limitation: Policy territory and transit definitions must be checked; catalog does not itself establish global scope..)<br><br>BHSI’s marine catalog distinguishes ocean marine and inland marine, and separately lists stock-throughput as an option. [5](https://www.bhspecialty.com/us-products/us-marine/ "Marine") (Evidence: Company-reported; scope: US BHSI catalog. Material limitation: Confirm how Spot's shared cargo-transit key maps to these distinctions before coding coverage..)<br><br>BHSI’s Ocean Marine Cargo overview lists stock throughput, ocean/international transit, domestic transit, excess stock, logistics, and contingent cargo coverage as coverage types available. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview") (Evidence: Company-reported; scope: BHSI U.S. Ocean Marine Cargo marketing overview marked US-12/22-A; the current marine catalog independently lists Ocean Cargo and Stock Throughputs under Ocean Marine. Material limitation: Not all types are necessarily combined or available for every insured. Domestic transit wording is not a basis to merge this line with the separately listed Inland Marine catalog. Verify current forms, exclusions, territory and issuer..) | The page describes cargo stock throughput in the context of wholesale/distribution; it does not define policy wording or all transit exposures. [9](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Wholesale cargo stock-throughput coverage. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) |
| Limits and Retentions | The BHSI Ocean Marine Cargo guide states up to $25 million maximum line, subject to risk profile, a $15,000 minimum premium, worldwide coverage, and primary or excess positions. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview") (Evidence: Company-reported; scope: U.S. Ocean Marine Cargo/STP marketing guide marked US-12/22-A; $25 million capacity expressly depends on risk profile. Material limitation: The document is dated 2022-12 and says multinational policy ability would follow in 2025; do not treat its worldwide wording or current availability as confirmed. Capacity is not an insured limit, and minimum premium is not a quote. Reconfirm current appetite and issuer..) | Confirm in your quote. |
| How to Apply | Confirm in your quote. | The cited product page does not establish an online application or policy-binding path; ask the listed team or your broker/agent how this product is placed. [9](https://business.libertymutual.com/industries/wholesale/ "Wholesale Distribution") (Evidence: Not found in reviewed sources; scope: Reviewed product-page scope only. This not-found disposition is not a claim that no digital route exists..) |

## Related Pages for Berkshire Hathaway Specialty Insurance vs Liberty Mutual

- [Berkshire Hathaway Specialty Insurance vs Liberty Mutual](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual): all coverage lines, business roles, service and claims.
- [What Is Cargo and Transit Insurance?](https://spot.insure/coverage/cargo-transit): Cargo coverage protects your financial interest in goods during transit; ownership, route, storage and late-delivery terms shape what the policy addresses.
- [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/builders-risk)
- [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/commercial-property)
- [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/crime)
- [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/cyber)
- [Berkshire Hathaway Specialty Insurance vs Liberty Mutual D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/directors-officers)
- [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/employment-practices)
- [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/fiduciary)
- [Berkshire Hathaway Specialty Insurance vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/general-liability)
- [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/inland-marine)
- [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/professional-errors-omissions)
- [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/surety-bonds)
- [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/technology-errors-omissions)
- [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/umbrella-excess)
- [AIG vs Berkshire Hathaway Specialty Insurance Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/cargo-transit)
- [AIG vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/cargo-transit)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/cargo-transit)
- [Alliance Risk vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/cargo-transit)
- [Amelia Risk vs Berkshire Hathaway Specialty Insurance Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/cargo-transit)
- [Amelia Risk vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/cargo-transit)

## Sources for Berkshire Hathaway Specialty Insurance vs Liberty Mutual

### 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. [Marine](https://www.bhspecialty.com/us-products/us-marine/). Berkshire Hathaway Specialty Insurance; Inland and ocean marine product list, covered property classes and target businesses; lines 18-69. Accessed 2026-09-28.
6. [Ocean Marine Cargo Overview](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf). Berkshire Hathaway Specialty Insurance; Two-page U.S. marketing PDF marked US-12/22-A; product types lines 14-20; ocean marine cargo appetite, capacity and placement lines 43-57; out-of-appetite and target risk characteristics lines 58-72; terms disclaimer lines 103-114. Accessed 2026-09-28.

### Sources About Liberty Mutual

7. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile). Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide).. Accessed 2026-09-29.
8. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-solutions/). Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary.. Accessed 2026-09-29.
9. [Wholesale Distribution](https://business.libertymutual.com/industries/wholesale/). Liberty Mutual Business Insurance; Wholesale coverage options list includes cargo stock throughput, commercial auto, cyber, D&O, environmental, general liability, inland marine, management liability, property (including equipment breakdown), trade credit, umbrella/excess and workers compensation. Industry-specific examples, not universal eligibility.. Accessed 2026-09-29.

### Sources for the Cargo and Transit Insurance Guide

10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
11. [Shipping Options](https://www.trade.gov/shipping-options). International Trade Administration, U.S. Department of Commerce; Export Shipping Basics; Tips on International Shipping from U.S.; Working with Freight Forwarders. Accessed 2026-09-16.
12. [Special Documents](https://www.trade.gov/special-documents). International Trade Administration, U.S. Department of Commerce; Insurance Certificate bullet. Accessed 2026-09-16.
13. [Motor Truck Cargo Legal Liability Coverage](https://www.nationalunity.com/National/MotorTruckCargoLiability.pdf). American Association of Insurance Services, Inc.; hosted by National Unity; Coverage and Property Covered pp.1–2; Perils Excluded pp.6–7; Valuation p.8; How Much We Pay p.9; Transit definition p.13. 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 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).

## Liberty Mutual Review Scores for 2026

Review Score: 7.2 / 10 from 2 rated sources, equally weighted.

Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.

- NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance)
- Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/cargo-transit.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)