Berkshire Hathaway Specialty Insurance vs Marsh: How Do They Compare for Cyber Insurance?

BHSI describes both a stand-alone Network Security & Privacy policy and blended E&O/Cyber forms in Professional First. ^5,6Company-reported. Form selection depends on the risk and proposal; the overview does not establish issuance for an individual applicant.

Marsh's cyber risk practice places and advises on cyber insurance brokerage; it does not underwrite the policies it places. ¹¹Company-reported. Marsh corporate cyber insurance product page.

Marsh McLennan Agency (MMA), Marsh's middle-market subsidiary, places cyber coverage and acts as a carrier liaison, combining placement with claims advocacy. ¹⁴Company-reported. MMA cyber solutions page.

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The reviewed pages do not name a specific cyber insurer for a standard placement. Marsh's Cyber ECHO excess facility lets clients choose underwriting from Lloyd's of London syndicates, company markets or Bermuda-based insurers, so the carrier varies by placement. ¹²Not publicly disclosed. Cyber ECHO facility page, which covers excess layers rather than every primary policy Marsh places.

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. ^5,6Company-reported. The overview’s class lists have different appetite labels; neither is a blanket eligibility rule.

MMA says any company can benefit from cyber coverage, but prioritizes organizations that store significant customer data, run large customer databases or hold valuable digital assets. ¹⁴Company-reported. MMA cyber solutions FAQ; MMA describes its own client base as middle-market organizations generally.

BHSI markets third-party breach exposures, direct breach-response and extortion expenses, and business interruption from a network-security failure. ⁵Company-reported. The product page is a coverage summary; conditions, sublimits and exclusions require the policy and endorsements.

MMA lists incident investigation and response costs, network interruption/extra expense, extortion and ransomware payments, data restoration, and security and privacy liability as core cyber coverages, with media liability, privacy regulatory defense and reputation-based income loss available as additional coverages. ¹⁴Company-reported. MMA cyber solutions page; actual policy wording and insurer vary by placement.

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Marsh says its Cyber ECHO excess facility can provide over $200 million of cyber capacity per client, with a free first reinstatement and a paid second reinstatement for separate cyber events within a policy year. ¹²Company-reported. Cyber ECHO facility page; describes excess capacity Marsh can arrange, not a standard primary limit.

BHSI lists eRiskHub as a resource with its Network Security & Privacy product. ⁵Company-reported. The product-page listing does not define the resource’s service scope or confirm availability on an individual policy.

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You engage a named Marsh or MMA cyber specialist to design a placement; the reviewed pages describe advisor-led placement and risk analytics rather than an online self-serve quote. ^11,14Company-reported. Marsh and MMA cyber pages, which list dedicated cyber brokerage and placement leaders.

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Marsh's global claims and incident-management specialists review cyber claims, support litigation management and work with forensic accountants to prepare proof of loss, advocating with insurers on the client's behalf. ¹³Company-reported. Claims Advocacy expertise page; recovery outcomes described as company-reported and not independently verified.