---
title: "Berkshire Hathaway Specialty Insurance vs Liberty Mutual: Tech E&O Insurance"
description: "Liberty Tech Resolution blends cyber and Technology E&O for technology exposures, while Berkshire Hathaway Specialty Insurance names Technology E&O separately and also lists blended forms."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-liberty-mutual"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "liberty-mutual"
coverage-line: "technology-errors-omissions"
---

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## Agent Guide

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

**Key facts:**
- Line: Tech E&O 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 2026-10-01. 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
- [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — 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 Cargo and Transit Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/cargo-transit) — 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 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 Tech E&O Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Berkshire Hathaway Specialty Insurance Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)

# Berkshire Hathaway Specialty Insurance vs Liberty Mutual: How Do They Compare for Tech E&O Insurance?

Liberty Tech Resolution blends cyber and Technology E&O for technology exposures, while Berkshire Hathaway Specialty Insurance names Technology E&O separately and also lists blended forms.

## How to Use the Berkshire Hathaway Specialty Insurance vs Liberty Mutual Tech E&O Insurance Comparison

Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Liberty Mutual for Tech E&O 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 Tech E&O Insurance Summary

Liberty Mutual describes a blended cyber and Tech E&O solution; Berkshire Hathaway Specialty Insurance identifies a distinct Tech E&O product alongside blended E&O/Cyber forms. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [9](https://business.libertymutual.com/commercial-solutions/cyber-insurance/ "Cyber Insurance")

## 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 Technology Errors and Omissions (E&O) Insurance?

Technology errors and omissions coverage can help pay when a customer claims your software, hosting, installation or technology advice caused financial loss. If you provide tech products or services, check each activity; cyber incidents and unrelated professional work need separate review. [10](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [11](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [12](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf "Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)") [13](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [14](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management") [15](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf "Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application") [16](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Risk for Technology Companies")

## What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Liberty Mutual Tech E&O Insurance?

### Blended Product Choices

Liberty Mutual lists Liberty Tech Resolution as a cyber and technology E&O solution for technology-company exposures. Berkshire Hathaway Specialty Insurance names Technology E&O as a distinct Professional First product and its overview also lists blended E&O/Cyber forms. Buyers seeking both coverages should ask how each proposal allocates limits and whether cyber protection can be selected separately; the product labels alone do not show which agreements appear in the quote. [9](https://business.libertymutual.com/commercial-solutions/cyber-insurance/ "Cyber Insurance") [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview")

### How to Start a Quote

Liberty Mutual directs commercial buyers to an agent or broker, and its reviewed product page does not establish an online binding path. Berkshire Hathaway Specialty Insurance’s Professional First materials identify target classes such as software development, systems integration, IT staffing and training, with certain consulting and MSP risks selective. Ask Liberty Mutual who will handle the submission and Berkshire Hathaway Specialty Insurance which class applies before comparing the proposed forms and terms. [9](https://business.libertymutual.com/commercial-solutions/cyber-insurance/ "Cyber Insurance") [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview")

## What Should You Confirm in Berkshire Hathaway Specialty Insurance and Liberty Mutual Tech E&O Insurance Quotes?

- Which cyber and E&O insuring agreements and limits are included in Liberty Tech Resolution, and what broker submits the application? [9](https://business.libertymutual.com/commercial-solutions/cyber-insurance/ "Cyber Insurance")
- Will Berkshire Hathaway Specialty Insurance treat your activities as standard or select appetite, and is the quote stand-alone or blended? [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview")

## Berkshire Hathaway Specialty Insurance vs Liberty Mutual Tech E&O Compared

| Criteria | Professional First Technology E&O | Liberty Tech Resolution |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | Liberty Mutual lists Liberty Tech Resolution as a cyber and technology errors-and-omissions product. [9](https://business.libertymutual.com/commercial-solutions/cyber-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Liberty Tech Resolution. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) |
| Who It’s For | The Professional First overview identifies IT training, IT staffing, internet service providers, software design and development, and system integration as Technology Services E&O target customers. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") (Evidence: Company-reported; scope: Target classes in the U.S. overview dated 2026-06-03-A; does not make technology consulting, telecommunications consulting or managed-service-provider risks ordinary targets..)<br><br>The same overview separates technology consulting, telecommunications consulting services and managed service providers as select customers. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") (Evidence: Company-reported; scope: U.S. selection qualification applies; no general eligibility inference..) | The commercial cyber page directs business buyers to a broker or agent. [9](https://business.libertymutual.com/commercial-solutions/cyber-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Liberty Tech Resolution. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) |
| Coverage Features | BHSI’s U.S. Professional First overview names Technology E&O as a distinct product offering. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") (Evidence: Company-reported; scope: Named U.S. product in dated overview; terms, form and current transaction availability are not provided by the catalogue listing..) | The company describes a blended cyber and Tech E&O solution for technology-company exposures. [9](https://business.libertymutual.com/commercial-solutions/cyber-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Liberty Tech Resolution. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) |
| Risk Services | The Professional First overview describes an in-house claims group integrated with underwriting and streamlined claim reporting for its professional-line portfolio. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") (Evidence: Company-reported; scope: Portfolio-level company-reported service, not technology-specific outcomes or an individual-policy claim promise..) | 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/commercial-solutions/cyber-insurance/ "Cyber Insurance") (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 Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review.
- [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 Cargo and Transit Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/cargo-transit)
- [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 Umbrella and Excess Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/umbrella-excess)
- [AIG vs Berkshire Hathaway Specialty Insurance Tech E&O Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/technology-errors-omissions)
- [AIG vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/technology-errors-omissions)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/technology-errors-omissions)
- [Alliance Risk vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/technology-errors-omissions)
- [Amelia Risk vs Berkshire Hathaway Specialty Insurance Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/technology-errors-omissions)
- [Amelia Risk vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/technology-errors-omissions)

## 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. [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: claims group and reporting; primary blended E&O/Cyber and stand-alone Cyber forms; line capacity statement; named Lawyers PL, Technology E&O, Miscellaneous PL, Media Liability, Network Security & Privacy; named technology-services target types and selection categories; dated 2026-06-03-A. Group capacity not a line policy limit. Source version: 2026-06-03-A.. Accessed 2026-09-28.
6. [Professional First Architects, Engineers and Consultants Professional Liability](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/professional-firsttm-architects-engineers-and-consultants-professional-liability/). Berkshire Hathaway Specialty Insurance; Product Highlights: professional/pollution liability; media, technology and cyber/network security/privacy liability; direct breach/extortion expenses; risk services; primary/excess and project-specific product availability; target professions, lines 6–29. Its combined-form technology feature is not itself a standalone Tech E&O statement.. 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. [Cyber Insurance](https://business.libertymutual.com/commercial-solutions/cyber-insurance/). Liberty Mutual Business Insurance; Products section names Liberty Cyber Resolution (first- and third-party cyber) and Liberty Tech Resolution (cyber plus technology E&O); eligibility/placement is broker or agent distributed; page describes risk-engineering and incident-response resources as company-reported services.. Accessed 2026-09-29.

### Sources for the Tech E&O Insurance Guide

10. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical. Accessed 2026-09-16.
11. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16.
12. [Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf). New York State Office of General Services; §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note. Accessed 2026-09-16.
13. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16.
14. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. Accessed 2026-09-16.
15. [Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf). ACE American Insurance Company / Chubb; Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6. Accessed 2026-09-16.
16. [Cyber Risk for Technology Companies](https://www.travelers.com/business-insurance/cyber-insurance/technology). Travelers; CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services. 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).

## 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/technology-errors-omissions.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)