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

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Newfront's property practice brokers cargo stock throughput coverage as part of its property placement services. It negotiates and places the coverage rather than underwriting the risk itself. ¹¹Company-reported. Property offering page; cargo stock throughput is one of several coverages listed under the property practice.

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The reviewed property page does not name the insurer or insurers that would issue a cargo stock throughput policy placed through Newfront. ¹¹Not publicly disclosed. Property page as read on 2026-09-23; carrier depends on the specific placement.

The marine catalog names importers/exporters, freight/logistics operators and manufacturers among its target customers. ⁵Company-reported. 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.

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. ⁶Company-reported. 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.

Newfront lists retail/wholesale, food & beverage, agriculture and manufacturing among the industries its property team serves, businesses that commonly hold goods in transit or storage covered by cargo stock throughput programs. ¹¹Company-reported. Areas of Expertise list on the property page; not a stated eligibility requirement for cargo stock throughput specifically.

BHSI's marine program lists ocean cargo, project cargo and stock-throughput coverage. ⁵Company-reported. 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.

BHSI’s marine catalog distinguishes ocean marine and inland marine, and separately lists stock-throughput as an option. ⁵Company-reported. US BHSI catalog. Material limitation: Confirm how Spot's shared cargo-transit key maps to these distinctions before coding coverage.

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. ⁶Company-reported. 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.

Newfront lists Cargo Stock Throughput among the Key Coverages of its property program, alongside supply-chain and business-interruption, flood, windstorm/earthquake, wildfire and terrorism coverage. ¹¹Company-reported. Property page Key Coverages list; the page does not describe cargo-specific triggers, exclusions or valuation methods.

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. ⁶Company-reported. 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.

Newfront's property page does not publish limits, deductibles or retentions for cargo stock throughput coverage. ¹¹Not publicly disclosed. Property page as read on 2026-09-23.

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Newfront says its property team performs an in-depth review of property and business-interruption values to identify data deficiencies, and pairs placements with in-house risk engineers for loss control. ¹¹Company-reported. Our Approach and Loss Control & Claims Advocacy sections of the property page; described as a property-wide service, not cargo-exclusive.

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You start a cargo stock throughput placement by requesting a consultation through Newfront's property page, which routes to its property team. ¹¹Company-reported. Property page call-to-action; no online quoting or binding is described.

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Newfront describes coverage negotiation and claims-resolution support as part of its property loss control and claims advocacy, which would apply to a cargo stock throughput claim. ¹¹Company-reported. Loss Control & Claims Advocacy section; not a cargo-specific claims workflow.