--- title: "Berkshire Hathaway Specialty Insurance vs Nationwide" description: "Compare Berkshire Hathaway Specialty Insurance and Nationwide by business role, listed products and how buyers start a quote." canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide" page-type: "provider-comparison" updated-at: "2026-09-30" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide) # Berkshire Hathaway Specialty Insurance vs Nationwide Compare Berkshire Hathaway Specialty Insurance and Nationwide by business role, listed products and how buyers start a quote. ## Before You Quote Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business. ## Highlights This comparison sets Berkshire Hathaway Specialty Insurance’s and Nationwide’s documented business roles, listed products and quote routes side by side; a catalogue match does not establish equivalent policy terms. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [22](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk") [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") [25](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") ## Provider Reliability Assessments These sourced assessments are shown for context; this comparison does not select a winner. ### Berkshire Hathaway Specialty Insurance Role: Insurance carrier. Carrier & MGA Spot Score: **7.0/10** (partial score; 85% of this role's weighting included). Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Carrier-Network Strength (The supplied evidence did not support a score for Carrier-Network Strength; this factor is excluded, not scored as zero. Canonical evidence gaps: The AM Best rating carries a group-affiliation code, so it reflects the Berkshire Hathaway group rather than a standalone view.; No NAIC complaint index or state complaint data for BHSIC was found, so service outcomes are not measured.; Which BHSI-branded product is written on BHSIC paper versus an affiliate (Direct, Homestate, travel programs) is not mapped by product.; A state-by-state license lookup was not run; the all-states statement comes from the Nebraska exam report.; Non-U.S. regulators (FCA and PRA for the U.K. entity, Singapore, Australia and others) were not searched.). Read the [full reliability assessment](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/reliability). ### Nationwide Role: Insurance carrier. Carrier & MGA Spot Score: **No Spot Score**. Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Carrier-Network Strength (The supplied evidence did not support a score for Carrier-Network Strength; this factor is excluded, not scored as zero. Canonical evidence gaps: Which Nationwide company issues a given commercial policy (Nationwide Mutual, Allied, Scottsdale or Nationwide E&S/Specialty) was not established, and AM Best's full member list PDF was not read. No entity-level rating for Scottsdale Insurance Company or Nationwide E&S/Specialty was verified.; AM Best's own site blocked our tool; the A (Excellent) rating rests on a press release copy and Nationwide's annual report.; Ohio Department of Insurance (Nationwide's home regulator) was not searched directly, and the Missouri DOI page returned a rate-limit error.; NAIC's own complaint index page for company 23787 was blocked, so no direct NAIC values were read.; Older Florida consent orders and a 2025 pet-insurance class-action settlement appeared in search but were not opened; no claims-payment timing or denial-rate data was found.). Read the [full reliability assessment](https://spot.insure/insurance-providers/nationwide/reliability). ## Berkshire Hathaway Specialty Insurance Reviews 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). ## Nationwide Reviews Review Score: 7.8 / 10 from 4 rated sources, equally weighted. Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews. - NerdWallet: NerdWallet rating 4.5 (out of 5). NerdWallet's editorial small-business review of Nationwide, updated 2026-06-03. It is an expert score, not a customer average. The page header shows 4.5 and a partner card on the same page shows 4.0; the 4.5 is the review's own headline rating. Period: review updated 2026-06-03. Checked 2026-09-29. [Nationwide Business Insurance Review 2026](https://www.nerdwallet.com/business/insurance/learn/nationwide-business-insurance) - J.D. Power: 2025 Small Commercial satisfaction index 707 (out of 1,000); 2848 reviews. 2025 U.S. Small Commercial Insurance Study: 2,848 U.S. businesses with 50 or fewer employees, fielded Mar-May 2025. Nationwide scored 707 against a study average of 698. A 2026 study was published 2026-08-20 (average 713); Nationwide's 2026 score was not found. Period: 2025 study. Checked 2026-09-29. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/sites/default/files/file/2025-08/2025092%20U.S.%20Small%20Commercial%20Insurance%20Study.pdf); [U.S. Small Commercial Insurance Study](https://www.jdpower.com/business/u-s-small-commercial-insurance-study/); [Rates, Digital Support Boost Small Business Insurance Customer Satisfaction: JD Power](https://www.carriermanagement.com/news/2026/08/20/291242.htm) - Trustpilot: TrustScore 1.3 (out of 5); 261 reviews. Nationwide's main Trustpilot page. It mixes personal and commercial customers; it cannot be separated. The page text says 1.3 out of 5 while an embedded badge image text said 1.5; we use the visible text score. Period: 69 reviews in the prior 12 months (checked 2026-09-29). Checked 2026-09-29. [Nationwide Reviews](https://www.trustpilot.com/review/nationwide.com) - ConsumerAffairs: ConsumerAffairs auto average 1.5 (out of 5); 1091 reviews. ConsumerAffairs Nationwide personal auto page (1,091 reviews displayed). Personal auto, not commercial. Period: checked 2026-09-29. Checked 2026-09-29. [Nationwide Auto Insurance Reviews](https://www.consumeraffairs.com/insurance/nationwide_auto.html) - ConsumerAffairs: ConsumerAffairs rating 2.5 (out of 5); 19 reviews. ConsumerAffairs Nationwide Small Business Insurance page; unclaimed profile; small-business customers. Screenshot captured 2026-09-29. Period: page updated Aug. 14, 2026; captured 2026-09-29. Checked 2026-09-29. [Nationwide Small Business Insurance Reviews](https://www.consumeraffairs.com/insurance/nationwide-small-business-insurance.html) - BBB: BBB business grade A+. BBB Nationwide profile at the Columbus, Ohio headquarters (BBB Accredited). Covers all Nationwide products, not just commercial. Checked 2026-09-29. [Nationwide BBB Complaints Profile](https://www.bbb.org/us/oh/columbus/profile/insurance-companies/nationwide-0302-2388/complaints) - BBB: Complaints 111. Same BBB headquarters profile; all Nationwide products, no premium denominator. BBB warns complaint details may be incomplete. The page also shows 269 customer reviews but no star average. Period: closed in the last three years (checked 2026-09-29). Checked 2026-09-29. [Nationwide BBB customer reviews](https://www.bbb.org/us/oh/columbus/profile/insurance-companies/nationwide-0302-2388/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/nationwide/reviews). ## Coverage Comparison | Coverage Type | Berkshire Hathaway Specialty Insurance | Nationwide | | --- | --- | --- | | [Builders risk](https://spot.insure/coverage/builders-risk) | Listed: BHSI’s current U.S. Builder’s Risk page lists construction-project coverage, including hot testing/commissioning, delay and soft-cost features, and selectively considered Master Builder’s Risk programs. Project scope, eligibility, terms and issuer remain policy-specific. [22](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk") | Listed: Nationwide lists builders risk among inland-marine products. The page does not establish project-specific coverage periods, valuation, or exclusions. [29](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine") | | [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Not listed | Listed: Nationwide markets a BOP for eligible small businesses and describes property and liability elements with optional additions; actual coverage is controlled by policy forms. [27](https://www.nationwide.com/business/insurance/business-owners-policy-bop/ "Business Owners Policy (BOP Insurance)") [25](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") | | [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Listed: BHSI's current Marine catalog lists Ocean Cargo, Stock Throughputs, and Project Cargo. The older US-12/22-A guide lists Project Cargo as out of appetite, so confirm its current status; BHSI lists Inland Marine separately. [9](https://www.bhspecialty.com/us-products/us-marine/ "Marine") [10](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview") | Listed: Nationwide lists motor truck cargo among inland-marine products. This is not evidence of broad cargo coverage or any particular commodity/route acceptance. [29](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine") | | [Commercial auto](https://spot.insure/coverage/commercial-auto) | Not listed | Listed: Nationwide lists commercial auto in its small-business product catalogue. We couldn’t review the dedicated product page, so no vehicle, driver, or state terms are inferred. [25](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [26](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") | | [Commercial property](https://spot.insure/coverage/commercial-property) | Listed: BHSI lists all-risk commercial property and selected single-peril options, including earthquake, flood, and windstorm. [11](https://www.bhspecialty.com/us-products/us-property/ "Property") [12](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf "General Property Appetite Guide") | Listed: Nationwide markets commercial property for business buildings and contents; property values, covered causes, limits, and exclusions depend on the policy. [30](https://www.nationwide.com/business/insurance/property/ "Commercial Property Insurance") [38](https://www.nationwide.com/business/insurance/industries/types/professional-office "Commercial Office Space Insurance") | | [Crime](https://spot.insure/coverage/crime) | Listed: BHSI lists Commercial Crime within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, employment-practices, fiduciary and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not a crime-specific limit. Crime coverage is distinct from fidelity bonds. [14](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") | Listed: Nationwide markets commercial crime insurance and management-liability crime products; exact insuring agreements and fidelity form are not established here. [34](https://www.nationwide.com/business/insurance/commercial-crime/ "Commercial Crime Insurance") [36](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") | | [Cyber liability](https://spot.insure/coverage/cyber) | Listed: BHSI markets a U.S. Network Security & Privacy product with third-party breach, response-expense and network-interruption features; its Professional First overview also describes stand-alone Cyber and blended E&O/Cyber forms. Product form, eligibility, terms and issuer depend on the risk and policy. [23](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/ "Professional First Network Security & Privacy Policy") [18](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") | Listed: Nationwide markets cyber liability and data-breach insurance to business customers; quote and policy terms determine eligibility and coverage. [32](https://www.nationwide.com/business/insurance/cyber-liability/ "Cyber Liability & Data Breach Insurance") [25](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") | | [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed: Executive First D&O liability materials describe separate public-company and private-company products. [13](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/do-liability-insurance/ "Executive First Directors & Officers Liability Insurance") [14](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") | Listed: Nationwide Management Liability & Specialty markets a distinct D&O product. The reviewed materials do not establish issuer or form for a particular risk. [37](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability") [36](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") | | [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed: BHSI lists employment-practices liability within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, fiduciary, crime and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not an EPL-specific limit. [14](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") | Listed: Nationwide markets EPLI through small-business and management-liability channels; the reviewed pages do not establish a standard grant or eligibility. [31](https://www.nationwide.com/business/insurance/employment-practices-liability/ "Employment Practices Liability Insurance") [36](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") | | [Equipment breakdown](https://spot.insure/coverage/equipment-breakdown) | Not listed | Listed: Nationwide presents equipment breakdown under its BOP coverages; the individual policy controls inclusion and terms. [27](https://www.nationwide.com/business/insurance/business-owners-policy-bop/ "Business Owners Policy (BOP Insurance)") [38](https://www.nationwide.com/business/insurance/industries/types/professional-office "Commercial Office Space Insurance") | | [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Listed: BHSI lists fiduciary liability within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, employment-practices, crime and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not a fiduciary-specific limit. [14](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") | Listed: Nationwide Management Liability & Specialty lists fiduciary liability as a distinct commercial-liability product; terms and availability remain quote-specific. [36](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") | | [General liability](https://spot.insure/coverage/general-liability) | Listed: BHSI lists primary general liability, with contractor and pollution features described in its casualty materials. [15](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [16](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") | Listed: Nationwide lists general liability in its professional-office package description and BOP materials; this establishes marketing only, not standalone availability or policy scope. [38](https://www.nationwide.com/business/insurance/industries/types/professional-office "Commercial Office Space Insurance") [27](https://www.nationwide.com/business/insurance/business-owners-policy-bop/ "Business Owners Policy (BOP Insurance)") | | [Management liability](https://spot.insure/coverage/management-liability) | Not listed | Listed: Nationwide Management Liability & Specialty markets multiple distinct management-liability products, including D&O, fiduciary, crime, and EPLI; no single bundled form is inferred. [36](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/ "Commercial Liability Products") [37](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability "Directors and Officers Liability") | | [Media liability](https://spot.insure/coverage/media) | Listed: BHSI’s Professional First overview names Media Liability, and its architects/engineers product describes media liability only within a specialized combined design-industry form. The overview’s catalogue listing does not establish standalone terms or current account availability. [18](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [19](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/professional-firsttm-architects-engineers-and-consultants-professional-liability/ "Professional First Architects, Engineers and Consultants Professional Liability") | Not listed | | [Product liability](https://spot.insure/coverage/product-liability) | Listed: BHSI lists primary products and completed-operations liability as a casualty product. [15](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [16](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") | Not listed | | [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: Professional First materials describe a professional-liability portfolio with several professions and service types. [17](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/ "Professional First Professional Liability") [18](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [19](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/professional-firsttm-architects-engineers-and-consultants-professional-liability/ "Professional First Architects, Engineers and Consultants Professional Liability") | Listed: Nationwide markets professional E&O for professional-service exposures. This does not establish technology E&O or any particular profession’s acceptance. [35](https://www.nationwide.com/business/insurance/errors-and-omissions/ "Errors and Omissions Insurance") [26](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") | | [Representations and warranties](https://spot.insure/coverage/representations-warranties) | Listed: BHSI lists Representations & Warranties Insurance within its Transactional Liability products. [20](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/transactional-liability/ "Transactional Liability") [21](https://www.bhspecialty.com/wp-content/uploads/marketing/Transactional-Liability-Overview-US.pdf "Transactional Liability Overview") | Not listed | | [Surety bonds](https://spot.insure/coverage/surety-bonds) | Listed: BHSI’s U.S. Surety page lists performance, payment, advance-payment, maintenance, supply and warranty bonds for contractor and construction-supplier accounts. Bond obligations depend on the bond form, principal, obligee and jurisdiction; this catalogue listing does not establish bond approval or terms. [24](https://www.bhspecialty.com/us-products/us-surety/ "Surety") | Listed: Nationwide markets commercial surety bonds. A bond is a contractual guarantee and is not interchangeable with an insurance policy. [33](https://www.nationwide.com/business/insurance/bonds/ "Commercial Surety Bonds") [25](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") | | [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Listed: Professional First materials identify Technology E&O as a professional-liability product. [18](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [19](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/professional-firsttm-architects-engineers-and-consultants-professional-liability/ "Professional First Architects, Engineers and Consultants Professional Liability") | Not listed | | [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Listed: BHSI lists inland transit, motor-truck cargo, warehouse legal liability, contractor equipment, and floaters under Inland Marine. [9](https://www.bhspecialty.com/us-products/us-marine/ "Marine") | Listed: Nationwide markets inland-marine products including contractor equipment and installation floaters; product availability and covered property vary. [29](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine") [26](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") | | [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed: BHSI lists lead umbrella and excess casualty within its U.S. casualty products. [15](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [16](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") | Listed: Nationwide lists commercial umbrella for small businesses. Reviewed catalogue evidence does not establish attachment, limits, underlying requirements, or a specific excess form. [25](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [26](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") | | [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Not listed | Listed: Nationwide markets workers’ compensation and describes state-variable benefits and services. State law, policy, and employer eligibility govern. [28](https://www.nationwide.com/business/insurance/workers-compensation/ "Workers’ Compensation Insurance") [25](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") | A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage. ## Key Differences Between Berkshire Hathaway Specialty Insurance and Nationwide ### Business Roles and Access to Insurers For this pair, first decide whether the documented access route fits how you want to buy. Berkshire Hathaway Specialty Insurance’s role evidence is specific to its distribution or underwriting position; Nationwide’s record describes a different business route. Ask who handles your submission, who issues each policy, and who will service changes after binding. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [25](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") ### Business Fit and Listed Products Compare the business segments each company says it serves with your operations, locations and risk profile. A marketed audience can help you choose where to apply, but it does not confirm your eligibility. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [25](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") Both provider records list builders risk, cargo, commercial property, crime, cyber. A shared catalogue label makes a line worth quoting from both; it does not establish the same insurer, policy form, limits, exclusions or eligibility. Berkshire Hathaway Specialty Insurance also lists media liability, product liability, representations and warranties, technology E&O; Nationwide also lists business owners policies, commercial auto, equipment breakdown, management liability, workers’ compensation. These are catalogue differences, not proof that one company excludes a line or that listed products are equivalent. Ask for the proposed forms and schedule side by side. [22](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk") [25](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") ### Application and Account Service BHSI's website terms say online application or quote submissions are informational and nonbinding; only contracted agents of the National Indemnity group may bind coverage, issue policies or certificates, or change coverage. Group companies' authority also varies by state, so the terms do not show that every application must begin through an agent. [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: The website's own online submissions and binding authority described by BHSI's terms; not a statement about every product's intake process or a claim that purchase can be completed online.; verified: 2026-09-28.) Nationwide says small-business buyers can start an online quote and then call or work with an agent to purchase. Its BOP page says a quote can be started online; this does not establish online binding for every product or applicant. [25](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [27](https://www.nationwide.com/business/insurance/business-owners-policy-bop/ "Business Owners Policy (BOP Insurance)") (Evidence: Company-reported; scope: Official small-commercial and BOP pages; no application was submitted or purchase flow completed.; verified: 2026-09-29.) The application facts show different entry points for this pair. A quote request or agent portal is not itself a binder; get the named issuing insurer, quote terms and written effective-date confirmation before relying on coverage. [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") [25](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") ### Managing Changes, Claims, and Renewal BHSI’s U.S. Claims Service Standards document (version US 2024-10-07A) says coverage issues or reservations are discussed directly with insureds, brokers, and relevant parties, and brokers and policyholders are kept involved during third-party settlement discussions. These are company-stated process standards, not measured claims outcomes. [8](https://www.bhspecialty.com/wp-content/uploads/2024/11/Claims-Excellence-US.pdf "Claims Excellence — United States") (Evidence: Company-reported; scope: Company-stated U.S. claims-service standards in version US 2024-10-07A; accessed 2026-09-28. Process commitments are not evidence of measured service or outcomes.; verified: 2026-09-28.) Nationwide describes a 24/7 online business account for policy management, claims filing/tracking, documents and billing; if a certificate is not in the account, it directs customers to request one online or contact an agent. [39](https://www.nationwide.com/business/insurance/member-resources/ "Business Insurance Member Resources") (Evidence: Company-reported; scope: Company-described account features; access depends on policy/account and does not measure service quality.; verified: 2026-09-29.) Ask who owns post-bind policy changes, certificates, claims reporting and renewal outreach. A quote channel does not establish those service steps; compare the contact and timing you receive in writing. ## What to Confirm in Quotes - Which insurer and legal entity will issue each policy, and where can that exact product be quoted? Catalogue and licensing statements do not answer risk-specific eligibility. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [25](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") - For the shared catalogue labels builders risk, cargo, commercial property, crime, cyber, ask each company for the proposed insurer, form and endorsements; a matching name alone is not a coverage match. Compare limits, retention or deductible, exclusions, retroactive date where relevant, and endorsements; catalogue labels do not establish equivalent protection. [22](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk") [25](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") - Ask what the application requires, what underwriting follow-up to expect, and who handles certificates, policy changes and renewal after binding [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") [25](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") ## Compare Services What each provider documents about the services you may need. | Criteria | Berkshire Hathaway Specialty Insurance | Nationwide | | --- | --- | --- | | Business role | BHSI’s U.S. At A Glance section (version 2026-8-03 A) lists commercial property, casualty, healthcare professional liability, executive and professional lines, surety, travel, programs, employer stop loss, and homeowners insurance. The guide is informational, not policy coverage, and its brand-level list does not identify the insurer on a particular policy. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [2](https://www.bhspecialty.com/about-us/ "About Us") [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: A description of BHSI's U.S. line list in its U.S. At A Glance section (version 2026-8-03 A) only. The guide says its descriptions are informational and are not coverage; its brand-level list does not assign an issuing insurer to a particular product or policy. This is not a claim that one legal insurer issues every BHSI product.; verified: 2026-09-29.)

Berkshire Hathaway Specialty Insurance Company (BHSIC) identifies itself in its Singapore-branch public disclosure as a Nebraska-domiciled direct property and casualty insurer, wholly owned by National Indemnity Company, which is wholly owned by Berkshire Hathaway Incorporated. The Singapore-branch disclosure states this ownership chain. A Missouri Department of Insurance record separately lists BHSIC as active, NAIC 22276, and Property and Casualty in Missouri. Neither source identifies BHSIC as the issuer of every BHSI-branded U.S. policy. [3](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/ "Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch") [4](https://insurance.mo.gov/find-insurance-company/company-details?id=104347139 "Company Details — Berkshire Hathaway Specialty Insurance Company") [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Company-reported corporate identity and ownership in BHSI's Singapore-branch public disclosure, corroborated for company identity and Missouri P&C authority by the Missouri Department of Insurance record accessed 2026-09-28. Neither source maps BHSIC as issuer for every BHSI-branded U.S. product; use policy-specific documents for that.; verified: 2026-09-28.) | Nationwide markets commercial insurance through small-business, agribusiness, middle-market and specialty channels. Its general P&C disclosure names Nationwide Mutual Insurance Company and affiliated companies as underwriting companies; the reviewed materials do not map each commercial product to its legal issuer. [25](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [26](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") [41](https://www.nationwide.com/personal/about-us/terms-conditions "Terms and Conditions for Nationwide.com") (Evidence: Company-reported; scope: Nationwide-branded U.S. commercial insurance; issuer and availability vary by product/company/state.; verified: 2026-09-29.) | | Customer focus | BHSI's U.S. industry focus spans real estate, public entities, financial institutions, healthcare, education, manufacturing, retail, logistics, transportation, energy, and technology. The at-a-glance guide associates these industries with particular product segments; it does not say every segment serves every listed industry. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") (Evidence: Company-reported; scope: Company-stated industry focus in the United States section of the At A Glance (U.S. section version 2026-8-03 A); industry lists are segment-specific, not a universal eligibility statement.; verified: 2026-09-29.)

Within its U.S. executive-lines commercial and financial segment, BHSI lists publicly traded and large privately owned commercial firms; investment, money-center, national, and regional banks; asset managers; and insurance companies and brokerages. The size description applies to the commercial-firm entry, not every listed institution or all BHSI products. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") (Evidence: Company-reported; scope: Only the U.S. Executive Lines, Commercial & Financial segment, At A Glance p. 50. The “publicly traded and large privately owned” qualifier attaches to the Commercial Firms bullet only.; verified: 2026-09-28.) | Nationwide presents separate commercial routes for small businesses, midsize and large businesses with complex risks, E&S/specialty customers, and agribusiness operators. These are published segments, not a promise of product eligibility. [25](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [26](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") (Evidence: Company-reported; scope: Public U.S. commercial segment descriptions; product and state eligibility remain quote-specific.; verified: 2026-09-29.) | | Application process | BHSI's website terms say online application or quote submissions are informational and nonbinding; only contracted agents of the National Indemnity group may bind coverage, issue policies or certificates, or change coverage. Group companies' authority also varies by state, so the terms do not show that every application must begin through an agent. [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: The website's own online submissions and binding authority described by BHSI's terms; not a statement about every product's intake process or a claim that purchase can be completed online.; verified: 2026-09-28.) | Nationwide says small-business buyers can start an online quote and then call or work with an agent to purchase. Its BOP page says a quote can be started online; this does not establish online binding for every product or applicant. [25](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [27](https://www.nationwide.com/business/insurance/business-owners-policy-bop/ "Business Owners Policy (BOP Insurance)") (Evidence: Company-reported; scope: Official small-commercial and BOP pages; no application was submitted or purchase flow completed.; verified: 2026-09-29.) | | Servicing and renewals | BHSI’s U.S. Claims Service Standards document (version US 2024-10-07A) says coverage issues or reservations are discussed directly with insureds, brokers, and relevant parties, and brokers and policyholders are kept involved during third-party settlement discussions. These are company-stated process standards, not measured claims outcomes. [8](https://www.bhspecialty.com/wp-content/uploads/2024/11/Claims-Excellence-US.pdf "Claims Excellence — United States") (Evidence: Company-reported; scope: Company-stated U.S. claims-service standards in version US 2024-10-07A; accessed 2026-09-28. Process commitments are not evidence of measured service or outcomes.; verified: 2026-09-28.)

BHSI's U.S. website terms and claims page reviewed on September 28, 2026 do not explain how commercial policy renewals are quoted or completed. The U.S. product directory opened for this correction displays category navigation, but it is not a review of the linked product pages. These limited checks do not establish that renewal support or a renewal route is unavailable. [6](https://www.bhspecialty.com/us-products/ "United States") [5](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") [7](https://www.bhspecialty.com/claims/ "Claims — United States") (Evidence: Not found in reviewed sources; scope: A narrowly scoped research gap in the opened U.S. website terms and claims page and the U.S. product-directory landing page, checked 2026-09-28. The directory landing page provides category navigation only; linked product pages and account-specific servicing routes were not reviewed for this claim. This does not mean BHSI lacks renewal support.; verified: 2026-09-28.) | Nationwide describes a 24/7 online business account for policy management, claims filing/tracking, documents and billing; if a certificate is not in the account, it directs customers to request one online or contact an agent. [39](https://www.nationwide.com/business/insurance/member-resources/ "Business Insurance Member Resources") (Evidence: Company-reported; scope: Company-described account features; access depends on policy/account and does not measure service quality.; verified: 2026-09-29.)

The commercial overview, small-business catalogue and business account pages reviewed here do not establish renewal notice timing, who initiates renewal discussions or how a renewal transaction is completed. These steps remain unverified; this is not evidence that renewal service is absent. [42](https://www.nationwide.com/business/ "Nationwide Commercial Insurance") [25](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [39](https://www.nationwide.com/business/insurance/member-resources/ "Business Insurance Member Resources") (Evidence: Not found in reviewed sources; scope: Only named public pages reviewed 2026-09-29, not policy documents or every account workflow.; verified: 2026-09-29.)

NerdWallet reports fewer general-liability complaints than expected for 2022–2024. Its discussion describes commercial-property complaints as slightly above expectations, while its methodology calls them about expected; that discrepancy remains unresolved. [43](https://www.nerdwallet.com/business/insurance/learn/nationwide-business-insurance "Nationwide Business Insurance Review 2026 — commercial complaint analysis") (Evidence: Verified; scope: NerdWallet’s commercial business-insurance editorial analysis only. This is an attributed product-line complaint comparison, not direct NAIC verification, a claim-outcome finding, or evidence about any identified underwriting company. Do not combine this measure with consumer review averages or treat the unresolved commercial-property discrepancy as a single settled result.; verified: 2026-09-29.) | | Claims assistance | For claims outside separate product-specific instructions, BHSI's U.S. claims page lists email, 24-hour toll-free, and postal reporting routes; several products have their own route. [7](https://www.bhspecialty.com/claims/ "Claims — United States") (Evidence: Company-reported; scope: Claims-notice channels published on BHSI's U.S. claims page at review date; policy/product-specific directions govern and the general channels are not universal.; verified: 2026-09-28.) | Nationwide says business claims can be reported online, by phone or through an agent and that a claims professional is assigned after submission. Same-day contact is described as an aim, not a guarantee. [40](https://www.nationwide.com/business/insurance/claims/faq/ "Business Insurance Claims FAQ") (Evidence: Company-reported; scope: General company-described commercial claims process; not an independent outcome measure or product-specific administrator map.; verified: 2026-09-29.) | ## Related Reading - [What Is Berkshire Hathaway Specialty Insurance?](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) - [What Is Nationwide?](https://spot.insure/insurance-providers/nationwide) ## Related Comparisons - [AIG vs Berkshire Hathaway Specialty Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance) - [AIG vs Nationwide](https://spot.insure/compare/aig-vs-nationwide) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance) - [Alliance Risk vs Nationwide](https://spot.insure/compare/alliance-risk-vs-nationwide) - [Amelia Risk vs Berkshire Hathaway Specialty Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance) - [Amelia Risk vs Nationwide](https://spot.insure/compare/amelia-risk-vs-nationwide) - [Aon vs Berkshire Hathaway Specialty Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance) - [Aon vs Nationwide](https://spot.insure/compare/aon-vs-nationwide) - [Armilla vs Berkshire Hathaway Specialty Insurance](https://spot.insure/compare/armilla-vs-berkshire-hathaway-specialty-insurance) - [Armilla vs Nationwide](https://spot.insure/compare/armilla-vs-nationwide) - [At-Bay vs Berkshire Hathaway Specialty Insurance](https://spot.insure/compare/at-bay-vs-berkshire-hathaway-specialty-insurance) - [At-Bay vs Nationwide](https://spot.insure/compare/at-bay-vs-nationwide) - [The Baldwin Group vs Berkshire Hathaway Specialty Insurance](https://spot.insure/compare/baldwin-vs-berkshire-hathaway-specialty-insurance) - [The Baldwin Group vs Nationwide](https://spot.insure/compare/baldwin-vs-nationwide) - [Beazley vs Berkshire Hathaway Specialty Insurance](https://spot.insure/compare/beazley-vs-berkshire-hathaway-specialty-insurance) - [Beazley vs Nationwide](https://spot.insure/compare/beazley-vs-nationwide) - [Berkshire Hathaway Specialty Insurance vs biBerk](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-biberk) - [Berkshire Hathaway Specialty Insurance vs CFC](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc) - [Berkshire Hathaway Specialty Insurance vs Chubb](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb) - [Berkshire Hathaway Specialty Insurance vs CNA](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cna) - [Berkshire Hathaway Specialty Insurance vs Coalition](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-coalition) - [Berkshire Hathaway Specialty Insurance vs Corgi](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-corgi) - [Berkshire Hathaway Specialty Insurance vs Coterie Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-coterie) - [Berkshire Hathaway Specialty Insurance vs Counterpart](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-counterpart) - [Berkshire Hathaway Specialty Insurance vs Coverdash](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-coverdash) - [Berkshire Hathaway Specialty Insurance vs Cowbell](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cowbell) - [Berkshire Hathaway Specialty Insurance vs Embroker](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker) - [Berkshire Hathaway Specialty Insurance vs Founder Shield](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-foundershield) - [biBerk vs Nationwide](https://spot.insure/compare/biberk-vs-nationwide) - [CFC vs Nationwide](https://spot.insure/compare/cfc-vs-nationwide) - [Chubb vs Nationwide](https://spot.insure/compare/chubb-vs-nationwide) - [CNA vs Nationwide](https://spot.insure/compare/cna-vs-nationwide) - [Coalition vs Nationwide](https://spot.insure/compare/coalition-vs-nationwide) - [Corgi vs Nationwide](https://spot.insure/compare/corgi-vs-nationwide) - [Coterie Insurance vs Nationwide](https://spot.insure/compare/coterie-vs-nationwide) - [Counterpart vs Nationwide](https://spot.insure/compare/counterpart-vs-nationwide) - [Coverdash vs Nationwide](https://spot.insure/compare/coverdash-vs-nationwide) - [Cowbell vs Nationwide](https://spot.insure/compare/cowbell-vs-nationwide) - [Embroker vs Nationwide](https://spot.insure/compare/embroker-vs-nationwide) ## Sources ### [Berkshire Hathaway Specialty Insurance Official Website](https://www.bhspecialty.com/) 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. [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. 4. [Company Details — Berkshire Hathaway Specialty Insurance Company](https://insurance.mo.gov/find-insurance-company/company-details?id=104347139). Missouri Department of Insurance; Company Details fields: legal name, active license status, NAIC number 22276, and Property and Casualty description; Missouri regulator record also lists 2025 property-casualty lines. Accessed 2026-09-28. Accessed 2026-09-28. 5. [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. 6. [United States](https://www.bhspecialty.com/us-products/). Berkshire Hathaway Specialty Insurance; United States products directory, opened 2026-09-28. Rendered page lists U.S. category links and Casualty/Property headings (lines 6–44); this directory view is navigation, not the linked product pages or a full review of product materials. Accessed 2026-09-28. 7. [Claims — United States](https://www.bhspecialty.com/claims/). Berkshire Hathaway Specialty Insurance; Claims Reporting, lines 34–91; separate product-specific directions, then “All other claims” email, 24-hour toll-free phone, postal/overnight mail. Accessed 2026-09-28. 8. [Claims Excellence — United States](https://www.bhspecialty.com/wp-content/uploads/2024/11/Claims-Excellence-US.pdf). Berkshire Hathaway Specialty Insurance; Claims Service Standards, version US 2024-10-07A in footer/document end; page 2 lines 30–34 describe coverage discussion and third-party settlement communications. Accessed 2026-09-28. 9. [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. 10. [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. 11. [Property](https://www.bhspecialty.com/us-products/us-property/). Berkshire Hathaway Specialty Insurance; All-risk, single-peril, catastrophe, inland/ocean marine and builder's risk offerings; target account descriptions. Accessed 2026-09-28. 12. [General Property Appetite Guide](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf). Berkshire Hathaway Specialty Insurance; Page 1: minimum premium, product/forms, territory, attachment and working capacity; page 2 footer identifies 2026-02-10 A; lines 0-9, 89-99. Accessed 2026-09-28. 13. [Executive First Directors & Officers Liability Insurance](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/do-liability-insurance/). Berkshire Hathaway Specialty Insurance; Product Highlights: government investigations, shareholder derivative actions, late-notice qualification, defense counsel selection; Top Targets: large commercial and financial firms, lines 6–19. Accessed 2026-09-28. 14. [Executive First Private Company Portfolio](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/). Berkshire Hathaway Specialty Insurance; Product Highlights: D&O, EPL, Fiduciary, Commercial Crime and Employed Lawyers in one comprehensive form; shared or separate limits to $50m; EPL First services. Top Targets: private companies at $10m+ revenues and listed industries, lines 11–25. Portfolio limit is not a separate line limit. Accessed 2026-09-28. 15. [Casualty Appetite Guide - U.S.](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf) 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. 16. [Casualty](https://www.bhspecialty.com/us-products/us-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. 17. [Professional First Professional Liability](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/). Berkshire Hathaway Specialty Insurance; U.S. Professional Liability landing page links Professional Liability / Network Security & Privacy, stand-alone Network Security & Privacy, and Architects, Engineers and Consultants PL, lines 6–15; footer copyright © 2026. Accessed 2026-09-28. 18. [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. 19. [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. 20. [Transactional Liability](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/transactional-liability/). Berkshire Hathaway Specialty Insurance; Product Highlights list R&W, tax, contingent-liability and class-action-settlement insurance; Top Targets list manufacturing, financial institutions, technology, real estate, energy, healthcare and retail, lines 6–27. The target list is for the transactional-liability portfolio, not exclusive R&W eligibility. Accessed 2026-09-28. 21. [Transactional Liability Overview](https://www.bhspecialty.com/wp-content/uploads/marketing/Transactional-Liability-Overview-US.pdf). Berkshire Hathaway Specialty Insurance; PDF pp.1–2: R&W, tax, contingent-liability, and class-action-settlement products; portfolio-wide primary/excess and up-to-$25m capacity; premiums/retentions vary by transaction/risk; portfolio appetite and in-house claims group; R&W buyer-use descriptions; dated 2025-05-16-A. Product-specific limits and final terms not stated. Source version: 2025-05-16-A. Accessed 2026-09-28. 22. [Builder’s Risk](https://www.bhspecialty.com/us-products/us-builders-risk/). Berkshire Hathaway Specialty Insurance; Current U.S. page: all-risk, hot testing/commissioning, delay/startup/soft costs, single-peril/DIC primary/excess; separate EAR and CAR target categories; Master Builder’s Risk selectively considered, lines 6–35. Reopened 2026-09-28. Accessed 2026-09-28. 23. [Professional First Network Security & Privacy Policy](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/network-security-privacy-policy/). Berkshire Hathaway Specialty Insurance; Product Highlights: third-party breach exposures, regulatory investigations/fines/penalties, direct breach/extortion expenses, electronic-content media liability, business interruption from network-security failure, eRiskHub; Top Targets: professional-services firms, lines 6–19. Accessed 2026-09-28. 24. [Surety](https://www.bhspecialty.com/us-products/us-surety/). Berkshire Hathaway Specialty Insurance; Product Highlights name performance, payment, advance-payment, maintenance, supply and warranty bonds; Top Targets name regional/national/global contractors and construction suppliers/services; PPP/project-delivery capability; lines 6–32. Accessed 2026-09-28. ### [Nationwide Official Website](https://www.nationwide.com/business/) 25. [Small Business Insurance](https://www.nationwide.com/business/insurance/small-commercial/). Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247. Accessed 2026-09-29. 26. [Small Business Insurance Solutions for Agents](https://www.nationwide.com/agents/business/). Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193. Accessed 2026-09-29. 27. [Business Owners Policy (BOP Insurance)](https://www.nationwide.com/business/insurance/business-owners-policy-bop/). Nationwide; BOP audience/employee/sales criteria and coverages, lines 181–225; additional coverage options lines 244–277; policy/availability qualification line 326. Accessed 2026-09-29. 28. [Workers’ Compensation Insurance](https://www.nationwide.com/business/insurance/workers-compensation/). Nationwide; Workers’ compensation benefits, state variability, claims/risk-management services and eligibility discussion, lines 216–259. Accessed 2026-09-29. 29. [Insurance for Inland Marine](https://www.nationwide.com/business/insurance/inland-marine/). Nationwide; Inland marine and Builder’s Risk products lines 184–225; contractor equipment, installation floater, riggers liability, motor truck cargo and warehouse legal liability lines 258–318. Accessed 2026-09-29. 30. [Commercial Property Insurance](https://www.nationwide.com/business/insurance/property/). Nationwide; Business buildings, contents, equipment and fixtures; policy customization and agent quote route. Accessed 2026-09-29. 31. [Employment Practices Liability Insurance](https://www.nationwide.com/business/insurance/employment-practices-liability/). Nationwide; Dedicated EPLI product page; product identity and company-described policy scope. Accessed 2026-09-29. 32. [Cyber Liability & Data Breach Insurance](https://www.nationwide.com/business/insurance/cyber-liability/). Nationwide; Dedicated commercial cyber/data-breach product page; company-described product scope. Accessed 2026-09-29. 33. [Commercial Surety Bonds](https://www.nationwide.com/business/insurance/bonds/). Nationwide; Dedicated commercial surety product page and bond purpose. Accessed 2026-09-29. 34. [Commercial Crime Insurance](https://www.nationwide.com/business/insurance/commercial-crime/). Nationwide; Dedicated commercial crime page and covered crime examples. Accessed 2026-09-29. 35. [Errors and Omissions Insurance](https://www.nationwide.com/business/insurance/errors-and-omissions/). Nationwide; Professional E&O product page; professional-service errors and financial-loss description. Does not establish technology-specific E&O terms. Accessed 2026-09-29. 36. [Commercial Liability Products](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/). Nationwide Management Liability & Specialty; Distinct D&O, fiduciary liability, crime and EPLI products; audience and claims-reporting description. Accessed 2026-09-29. 37. [Directors and Officers Liability](https://www.nationwide.com/business/insurance/management-liability-specialty/products/commercial-liability/types/directors-and-officers-liability). Nationwide Management Liability & Specialty; D&O primary scope of coverage, selected features and claims reporting. Accessed 2026-09-29. 38. [Commercial Office Space Insurance](https://www.nationwide.com/business/insurance/industries/types/professional-office). Nationwide; Professional-office BOP, commercial property, GL, business income and equipment breakdown; E&O, auto, EPLI and management-liability options. Accessed 2026-09-29. 39. [Business Insurance Member Resources](https://www.nationwide.com/business/insurance/member-resources/). Nationwide; Online business account, 24/7 self-service, claims filing/tracking, documents, bills and certificate-of-insurance help. Accessed 2026-09-29. 40. [Business Insurance Claims FAQ](https://www.nationwide.com/business/insurance/claims/faq/). Nationwide; Commercial claims intake and assigned claims professional; same-day contact is described as an aim, not a guarantee. Accessed 2026-09-29. 41. [Terms and Conditions for Nationwide.com](https://www.nationwide.com/personal/about-us/terms-conditions). Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394. Accessed 2026-09-29. 42. [Nationwide Commercial Insurance](https://www.nationwide.com/business/). Nationwide; Commercial audiences and general commercial route; cited only alongside directly inspected linked product pages. Accessed 2026-09-29. 43. [Nationwide Business Insurance Review 2026 — commercial complaint analysis](https://www.nerdwallet.com/business/insurance/learn/nationwide-business-insurance). NerdWallet; Same inspected NerdWallet commercial review as nerdwallet-review; updated June 3, 2026. Findings and contrary evidence, lines 332–372: lower-than-expected general-liability complaints and commercial-property described slightly above expectations. Methodology, lines 495–508: commercial-property complaints characterized as about expected. Rating display, lines 226–323: 4.5 page header and 4.0 Nationwide card. Accessed 2026-09-29. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). 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