What Is Berkshire Hathaway Specialty Insurance?
BHSI provides commercial and specialty insurance in the U.S., with product-specific industry lists that include healthcare, energy and technology. Online quote and application submissions are nonbinding. 1,2,3,4
Read the Berkshire Hathaway Specialty Insurance profile
Read the Berkshire Hathaway Specialty Insurance D&O Insurance page
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. 7,8,9
What Is Directors and Officers Insurance?
D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. 11,12,13
Key Differences in D&O Insurance
Informal inquiries and alleged wrongful acts
Berkshire Hathaway Specialty Insurance names coverage for government investigations, including informal inquiries of insured individuals without sublimits, plus derivative-action costs. Nationwide describes D&O for claims tied to alleged decisions or wrongful acts by directors and officers, subject to policy terms, but its reviewed record does not specify investigation stages. Boards should ask Nationwide’s agent for its investigation definitions and compare them with BHSI’s stated wording. 5 5 10
Agent route and account fit
Nationwide directs buyers to contact an agent or request a quote, while Berkshire Hathaway Specialty Insurance identifies its Executive First D&O product for large commercial and financial accounts. A business using Nationwide’s route should identify the proposed issuing company and policy form; a larger organization considering BHSI should confirm appetite and limits. The route to an agent is not itself a coverage commitment. 10 5
What to Confirm in D&O Insurance Quotes
- Ask the Nationwide agent whether informal regulatory inquiries and derivative demands are covered, and how defense expenses reduce limits; compare with BHSI’s investigation provision. 10 5
- Identify the Nationwide insurer and form in writing, then confirm whether your company meets BHSI’s stated target-account focus. 10 5
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Berkshire Hathaway Specialty Insurance
Review Score
No reviews found
The public ratings for Berkshire Hathaway Specialty Insurance are low but thin: Trustpilot shows 2.1 out of 5 from 9 reviews and BBB shows 1 out of 5 from 6. Both mix travel and commercial customers, so we don't count them in a score.[5][7]
Read Berkshire Hathaway Specialty Insurance reviewsNationwide
Review Score
4 rated sources
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.[1][10]
Read Nationwide reviewsOffering Details
Berkshire Hathaway Specialty Insurance vs Nationwide: D&O Insurance: documented features by provider
| Criteria | Executive First D&O Liability Insurance | Nationwide directors officers (official overview) |
|---|---|---|
| Role in This Line | Confirm in your quote. | Nationwide describes offering directors officers for the audience stated on the cited product page. 10Company-reported. directors officers 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 D&O page names large commercial and financial firms as target accounts. 5Company-reported. U.S. target-account description, not a complete eligibility rule or acceptance commitment. | Businesses and directors/officers described by Nationwide; page does not establish universal limits or terms. 10Company-reported. directors officers 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 | The U.S. Executive First D&O page describes coverage for government investigations, including informal investigations of insured individuals without sublimits. 5Company-reported. U.S. D&O product-page summary; the actual policy, definitions, exclusions, conditions, insureds, and state forms control. BHSI says its D&O product covers plaintiffs’ attorney fees and costs for shareholder derivative actions and company costs to investigate derivative demands or actions where no demand is made. 5Company-reported. U.S. D&O product-page summary; do not read as all derivative-action costs covered under every issued policy. | The cited product page describes D&O insurance for claims tied to alleged decisions or wrongful acts by company directors and officers, subject to policy terms. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 10Company-reported. directors officers 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 | Confirm in your quote. | 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. 10Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| Risk Services | BHSI describes full choice of defense counsel for the D&O product. 5Company-reported. Company-reported product feature; applicable policy terms and any state-specific requirements remain controlling. | Confirm in your quote. |
| 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. 10Company-reported. directors officers 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. |
Full Comparison
More Berkshire Hathaway Specialty Insurance vs Nationwide Comparisons
Other D&O Insurance Comparisons
Sources
Berkshire Hathaway Specialty Insurance
- At A Glance. Berkshire Hathaway Specialty Insurance; United States section, zero-based PDF pages 49–53 (viewer pages 50–54): product/industry lists on pages 49–50; U.S. disclosure/version footer on page 53 is 2026-8-03 A. The 2026-09-14 A footer is on preceding European page 48, not the U.S. section. Accessed 2026-09-29.
- About Us. Berkshire Hathaway Specialty Insurance; About BHSI; company profile page re-opened through official site on 2026-09-28; company says it is part of National Indemnity group. Accessed 2026-09-28.
- Terms of Service. Berkshire Hathaway Specialty Insurance; Important Information Concerning Use of this Web Site, paragraphs 2–4; nonbinding submissions, contracted-agent authority, state variation, product availability and policy-specific terms. Accessed 2026-09-28.
- Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch. Berkshire Hathaway Specialty Insurance; Singapore branch public disclosure, Company Profile ¶¶ 1–2; direct page opened 2026-09-28. ¶ 1 identifies BHSIC as a Nebraska-domiciled direct P&C insurer; ¶ 2 states BHSIC is wholly owned by National Indemnity Company, itself wholly owned by Berkshire Hathaway Incorporated. Accessed 2026-09-28.
- Executive First Directors & Officers 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.
- Executive First 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.
Nationwide
- Small Business Insurance. 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.
- Small Business Insurance Solutions for Agents. 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.
- Terms and Conditions for Nationwide.com. 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.
- Directors and Officers Liability. Nationwide; D&O page; management-liability product and covered exposures. Accessed 2026-09-30.
D&O Insurance Guide
- Glossary of Business Insurance Terms. The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
- The Chubb Primary Directors & Officers and Entity Securities Liability Insurance. Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage. Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. Accessed 2026-09-16.
