---
title: "Berkshire Hathaway Specialty Insurance vs Nationwide: Cargo and Transit Insurance"
description: "BHSI documents ocean, domestic and stock-throughput cargo with published line and premium figures, while Nationwide's overview describes motor-truck cargo with no limits disclosed."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/cargo-transit"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-nationwide"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "nationwide"
coverage-line: "cargo-transit"
---

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

## Agent Guide

**What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and Nationwide for Cargo and Transit Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

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

**Key facts:**
- Line: Cargo and Transit Insurance. Providers: Berkshire Hathaway Specialty Insurance and Nationwide.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

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

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

BHSI documents ocean, domestic and stock-throughput cargo with published line and premium figures, while Nationwide's overview describes motor-truck cargo with no limits disclosed.

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

Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Nationwide for Cargo and Transit Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Berkshire Hathaway Specialty Insurance vs Nationwide Cargo and Transit Insurance Summary

BHSI lists ocean, domestic-transit and stock-throughput cargo coverage with a $25 million maximum line. Nationwide's overview describes motor-truck cargo for carriers and businesses moving goods and discloses no limit or retention. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview") [10](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine – Nationwide")

## 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 Nationwide?

Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. [7](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [8](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") [9](https://www.nationwide.com/personal/about-us/terms-conditions "Terms and Conditions for Nationwide.com")

[Nationwide profile](https://spot.insure/insurance-providers/nationwide)

## What Is Cargo and Transit Insurance?

Cargo coverage fits a shipper protecting goods it owns or a carrier responsible for another party’s goods. The quote needs to match who bears the loss, the shipment route and storage stops. [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [12](https://www.trade.gov/shipping-options "Shipping Options") [13](https://www.trade.gov/special-documents "Special Documents") [14](https://www.nationalunity.com/National/MotorTruckCargoLiability.pdf "Motor Truck Cargo Legal Liability Coverage")

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

### Ocean and Stock Versus Motor-Truck

BHSI's marine program lists ocean cargo, project cargo and stock throughput, and keeps inland marine as a separate category. [5](https://www.bhspecialty.com/us-products/us-marine/ "Marine") Nationwide's overview centers on motor-truck cargo for goods in transit, citing collision, theft and overturn as covered-peril examples, and calls it a marketing description. [10](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine – Nationwide")

The cited product page describes motor-truck cargo protection for goods and merchandise while in transit, including covered-peril examples such as collision, theft, or overturn. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [10](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine – Nationwide") (Evidence: Company-reported; scope: cargo transit marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..)

### Who Each Page Is Written For

BHSI names importers and exporters, freight and logistics operators and manufacturers. [5](https://www.bhspecialty.com/us-products/us-marine/ "Marine") Nationwide describes for-hire or private carriers and businesses moving goods. [10](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine – Nationwide") A shipper moving containers overseas and a trucking operator hauling domestic freight would read these pages differently.

### Numbers Disclosed

BHSI states up to a $25 million maximum line and a $15,000 minimum premium. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview") Nationwide's overview sets no universal limit or retention, so those figures arrive only in a quote. [10](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine – Nationwide")

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

- Ask Nationwide for the proposed form, limits, retentions and exclusions in writing. [10](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine – Nationwide")
- Ask BHSI which of its listed cargo types your shipments fall into. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview")
- Ask both how quickly a quote can be bound, since Nationwide's page sets no timeline. [10](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine – Nationwide")

## Berkshire Hathaway Specialty Insurance vs Nationwide Cargo and Transit Compared

| Criteria | BHSI’s current Ocean Marine catalog lists Ocean Cargo, Stock Throughputs and Project Cargo, separately from Inland Marine; the detailed cargo appetite evidence is an older, date-limited guide. | Nationwide cargo transit (official overview) |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | Nationwide describes offering cargo transit for the audience stated on the cited product page. [10](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine – Nationwide") (Evidence: Company-reported; scope: cargo transit marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| Who It’s For | The marine catalog names importers/exporters, freight/logistics operators and manufacturers among its target customers. [5](https://www.bhspecialty.com/us-products/us-marine/ "Marine") (Evidence: Company-reported; scope: BHSI U.S. Ocean Marine target-account list only; not Inland Marine eligibility. Material limitation: Target customer examples do not define every acceptable cargo or shipment..)<br><br>The Ocean Marine Cargo guide describes target risks including manufacturers/distributors of finished goods, machinery and equipment, food and beverage, bulk liquids, containerized goods, and stock with balanced exposure; it lists pharmaceuticals, project cargo, autos, DOL, and livestock as out of appetite. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview") (Evidence: Company-reported; scope: BHSI Ocean Marine Cargo/STP appetite in U.S. marketing material marked US-12/22-A. Material limitation: This is historical appetite guidance, not a policy exclusion list or current acceptance commitment. The current BHSI Marine catalog separately lists Project Cargo as an Ocean Marine product while this 2022 guide lists it out of appetite; current product-specific meaning and appetite must be reconciled with underwriting. It does not establish Inland Marine eligibility..) | For-hire or private carriers and businesses moving goods, as described in the cargo section. [10](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine – Nationwide") (Evidence: Company-reported; scope: cargo transit marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| Coverage Features | BHSI's marine program lists ocean cargo, project cargo and stock-throughput coverage. [5](https://www.bhspecialty.com/us-products/us-marine/ "Marine") (Evidence: Company-reported; scope: BHSI U.S. Ocean Marine catalog; not inland transit or proof of the policy territory. Material limitation: Policy territory and transit definitions must be checked; catalog does not itself establish global scope..)<br><br>BHSI’s marine catalog distinguishes ocean marine and inland marine, and separately lists stock-throughput as an option. [5](https://www.bhspecialty.com/us-products/us-marine/ "Marine") (Evidence: Company-reported; scope: US BHSI catalog. Material limitation: Confirm how Spot's shared cargo-transit key maps to these distinctions before coding coverage..)<br><br>BHSI’s Ocean Marine Cargo overview lists stock throughput, ocean/international transit, domestic transit, excess stock, logistics, and contingent cargo coverage as coverage types available. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview") (Evidence: Company-reported; scope: BHSI U.S. Ocean Marine Cargo marketing overview marked US-12/22-A; the current marine catalog independently lists Ocean Cargo and Stock Throughputs under Ocean Marine. Material limitation: Not all types are necessarily combined or available for every insured. Domestic transit wording is not a basis to merge this line with the separately listed Inland Marine catalog. Verify current forms, exclusions, territory and issuer..) | The cited product page describes motor-truck cargo protection for goods and merchandise while in transit, including covered-peril examples such as collision, theft, or overturn. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [10](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine – Nationwide") (Evidence: Company-reported; scope: cargo transit marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| Limits and Retentions | The BHSI Ocean Marine Cargo guide states up to $25 million maximum line, subject to risk profile, a $15,000 minimum premium, worldwide coverage, and primary or excess positions. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview") (Evidence: Company-reported; scope: U.S. Ocean Marine Cargo/STP marketing guide marked US-12/22-A; $25 million capacity expressly depends on risk profile. Material limitation: The document is dated 2022-12 and says multinational policy ability would follow in 2025; do not treat its worldwide wording or current availability as confirmed. Capacity is not an insured limit, and minimum premium is not a quote. Reconfirm current appetite and issuer..) | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. [10](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine – Nationwide") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) |
| How to Apply | Confirm in your quote. | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. [10](https://www.nationwide.com/business/insurance/inland-marine/ "Insurance for Inland Marine – Nationwide") (Evidence: Company-reported; scope: cargo transit marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |

## Related Pages for Berkshire Hathaway Specialty Insurance vs Nationwide

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

## Sources for Berkshire Hathaway Specialty Insurance vs Nationwide

### Sources About Berkshire Hathaway Specialty Insurance

1. [At A Glance](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf). Berkshire Hathaway Specialty Insurance; United States section, zero-based PDF pages 49–53 (viewer pages 50–54): product/industry lists on pages 49–50; U.S. disclosure/version footer on page 53 is 2026-8-03 A. The 2026-09-14 A footer is on preceding European page 48, not the U.S. section.. Accessed 2026-09-29.
2. [About Us](https://www.bhspecialty.com/about-us/). Berkshire Hathaway Specialty Insurance; About BHSI; company profile page re-opened through official site on 2026-09-28; company says it is part of National Indemnity group. Accessed 2026-09-28.
3. [Terms of Service](https://www.bhspecialty.com/terms-conditions/). Berkshire Hathaway Specialty Insurance; Important Information Concerning Use of this Web Site, paragraphs 2–4; nonbinding submissions, contracted-agent authority, state variation, product availability and policy-specific terms. Accessed 2026-09-28.
4. [Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/). Berkshire Hathaway Specialty Insurance; Singapore branch public disclosure, Company Profile ¶¶ 1–2; direct page opened 2026-09-28. ¶ 1 identifies BHSIC as a Nebraska-domiciled direct P&C insurer; ¶ 2 states BHSIC is wholly owned by National Indemnity Company, itself wholly owned by Berkshire Hathaway Incorporated.. Accessed 2026-09-28.
5. [Marine](https://www.bhspecialty.com/us-products/us-marine/). Berkshire Hathaway Specialty Insurance; Inland and ocean marine product list, covered property classes and target businesses; lines 18-69. Accessed 2026-09-28.
6. [Ocean Marine Cargo Overview](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf). Berkshire Hathaway Specialty Insurance; Two-page U.S. marketing PDF marked US-12/22-A; product types lines 14-20; ocean marine cargo appetite, capacity and placement lines 43-57; out-of-appetite and target risk characteristics lines 58-72; terms disclaimer lines 103-114. Accessed 2026-09-28.

### Sources About Nationwide

7. [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.
8. [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.
9. [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.
10. [Insurance for Inland Marine – Nationwide](https://www.nationwide.com/business/insurance/inland-marine/). Nationwide; Motor truck cargo section; goods in transit and covered-peril examples.. Accessed 2026-09-30.

### Sources for the Cargo and Transit Insurance Guide

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

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Berkshire Hathaway Specialty Insurance Review Scores for 2026

Review Score: not enough ratings.

The public ratings for Berkshire Hathaway Specialty Insurance are low but thin: Trustpilot shows 2.1 out of 5 from 9 reviews and BBB shows 1 out of 5 from 6. Both mix travel and commercial customers, so we don't count them in a score.

- Trustpilot: TrustScore 2.1 (out of 5); 9 reviews. Trustpilot profile for bhspecialty.com, accessed 2026-09-29. Its small review set mixes travel-policy and other customer accounts; it is user-generated and unverified, and does not establish commercial-policy outcomes or representativeness. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance Reviews](https://www.trustpilot.com/review/bhspecialty.com)
- BBB: Customer review average 1 (out of 5 stars); 6 reviews. BBB page for BHSI headquarters and corporate-owned locations, accessed 2026-09-29. The page’s six customer reviews mix travel and commercial narratives; BBB says third-party information is not verified. BBB’s business letter grade is separate from these customer reviews. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance — BBB Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/berkshire-hathaway-specialty-insurance-0021-439678/customer-reviews)

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

## Nationwide Review Scores for 2026

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).

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