Berkshire Hathaway Specialty Insurance vs 
Mylo: How Do They Compare for 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. 1,2,3,4
Read the Berkshire Hathaway Specialty Insurance profile
Read the Berkshire Hathaway Specialty Insurance Cyber Insurance page
What Is Mylo Insurance?
Mylo suits small businesses wanting online quote comparisons or licensed-advisor help; firms needing complex program management should compare full-service brokers. Mylo says 95% of customers pay no fee, though some transactions carry fees. 7,8
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. 10,11
Key Differences in Cyber Insurance
How response costs are described
Berkshire Hathaway Specialty Insurance lists direct breach response, extortion expenses, third-party breach exposure, and business interruption after a network failure. Mylo describes investigation, customer notices, crisis PR, lost income, ransom reimbursement, restoration, legal defense, and regulatory costs. Those are broad descriptions rather than interchangeable policy promises; ask each proposal to identify covered expenses and the limits that apply to each. 5 9
Carrier comparison versus a named policy
Berkshire Hathaway Specialty Insurance describes its own Network Security & Privacy policy, with a blended E&O/Cyber option. Mylo compares quotes from multiple carriers and does not underwrite the coverage, so its recommendation depends on the insurer selected for the business. Buyers can use Mylo’s comparison process to see alternatives, then compare the named carrier and form against BHSI’s offer. 5 9
What to Confirm in Cyber Insurance Quotes
- Ask Mylo to identify which insurer quote covers ransom, legal defense, restoration, and regulatory costs; ask BHSI for the limits and conditions tied to response, extortion, and interruption. 9 5
- If you compare Mylo’s carrier options with BHSI, request the actual policy forms and confirm whether E&O is combined or separate in each proposal. 9 5
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
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 reviewsMylo
Review Score
2 rated sources
Mylo has strong feedback on its Kansas City Birdeye listing, while its tiny Trustpilot sample is negative. Most available feedback mixes personal and business insurance.[4][6][7]
Read Mylo reviewsOffering Details
Berkshire Hathaway Specialty Insurance vs Mylo: Cyber Insurance: documented features by provider
| Criteria | Professional First Network Security & Privacy | Mylo Cyber Insurance |
|---|---|---|
| Role in This Line | 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. | Mylo brokers cyber insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. 9Company-reported. Cyber insurance product page. |
| Issuing Insurer | Confirm in your quote. | The cyber insurance product page does not name the insurer that would issue a given business's policy. 9Not publicly disclosed. Checked the cyber insurance product page on 2026-09-23. |
| 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. 5,6Company-reported. The overview’s class lists have different appetite labels; neither is a blanket eligibility rule. | Mylo markets cyber insurance to businesses that take credit cards or store customer information, citing its own figure that more than two-thirds of small businesses have experienced a cyberattack. 9Company-reported. Cyber insurance product page; a company-reported statistic, not independently verified. |
| Coverage Features | 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. | Mylo says cyber coverage can pay non-legal costs (breach investigation, customer notification, crisis-management and PR help, lost income, ransom reimbursement, and data restoration) as well as legal and regulatory costs, including defense and fines from a regulator such as HIPAA or from lawsuits by people affected by a breach. 9Company-reported. Cyber insurance product page; the issued policy and its exclusions control. Mylo names hacking and social-engineering attacks (such as spear phishing), employee or partner data errors and misuse, and malware or ransomware as the cyber threats this coverage is designed to address. 9Company-reported. Cyber insurance product page. Mylo says cyber insurance can often be added to a Business Owner's Policy depending on the carrier, alongside general liability, commercial property and business interruption. 9Company-reported. Cyber insurance product page "Add cyber to your Business Owner's Policy (BOP)" section. |
| Limits and Retentions | Confirm in your quote. | The cyber insurance product page does not publish specific coverage limits, retentions or premium ranges. 9Not publicly disclosed. Checked the cyber insurance product page on 2026-09-23. |
| Risk Services | 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. | Confirm in your quote. |
Full Comparison
More Berkshire Hathaway Specialty Insurance vs Mylo Comparisons
Other Cyber Insurance Comparisons
Sources
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.
- Professional First 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.
- Professional First Professional Liability Overview. 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.
Mylo
- Small Business Insurance. Mylo; Hero; What Insurance Does A Small Business Need (Business Owners Policy listing); Get My Quote; Business Insurance FAQs; commercial-product navigation; footer legal disclosure. Accessed 2026-09-16.
- About Mylo. Mylo; Your Digital One-Stop Shop; The Broker Advantage; Proven Heritage, Powerful Future; About Mylo FAQs. Accessed 2026-09-15.
- Cyber Insurance. Mylo; Back up your great reputation with cyber insurance; Do you take credit cards or store customer info? (hacking, data errors/misuse, malware/ransomware); What does cyber insurance do for business owners? (non-legal and legal/regulatory costs); Add cyber to your Business Owner's Policy (BOP); Cyber insurance FAQs. Accessed 2026-09-23.
Cyber Insurance Guide
- 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.
- CyberEdge specimen policy. 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.
