--- title: "Berkshire Hathaway Specialty Insurance vs ERGO NEXT Insurance: Professional Liability (E&O) Insurance" description: "Berkshire Hathaway Specialty Insurance lists profession-specific targets; ERGO NEXT describes a standalone online E&O policy and a roughly 10-minute quote flow." canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-next-insurance/professional-errors-omissions" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "berkshire-hathaway-specialty-insurance-vs-next-insurance" provider-a: "berkshire-hathaway-specialty-insurance" provider-b: "next-insurance" coverage-line: "professional-errors-omissions" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. 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[Human-readable page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-next-insurance/professional-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and ERGO NEXT Insurance for Professional Liability (E&O) 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 Professional Liability (E&O) Insurance questions about Berkshire Hathaway Specialty Insurance versus ERGO NEXT Insurance. 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 ERGO NEXT Insurance for Professional Liability (E&O) Insurance: how do they differ? - Which is better for Professional Liability (E&O) Insurance, Berkshire Hathaway Specialty Insurance or ERGO NEXT Insurance? - What does Berkshire Hathaway Specialty Insurance or ERGO NEXT Insurance publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Professional Liability (E&O) Insurance from Berkshire Hathaway Specialty Insurance or ERGO NEXT Insurance? **Key facts:** - Line: Professional Liability (E&O) Insurance. Providers: Berkshire Hathaway Specialty Insurance and ERGO NEXT Insurance. - 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 2026-10-01. Editorial policy: /editorial-policy. **Related pages:** - [Berkshire Hathaway Specialty Insurance vs ERGO NEXT Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-next-insurance) — parent: all coverage lines for this pair - [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — coverage explainer for this line - [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) — provider profile (evidence) - [ERGO NEXT Insurance profile](https://spot.insure/insurance-providers/next-insurance) — provider profile (evidence) - [Berkshire Hathaway Specialty Insurance vs ERGO NEXT Insurance Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-next-insurance/commercial-property) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs ERGO NEXT Insurance General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-next-insurance/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Berkshire Hathaway Specialty Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs ERGO NEXT Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-next-insurance/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs ERGO NEXT Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-next-insurance/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Aon vs Berkshire Hathaway Specialty Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Aon vs ERGO NEXT Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-next-insurance/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) # Berkshire Hathaway Specialty Insurance vs ERGO NEXT Insurance: How Do They Compare for Professional Liability (E&O) Insurance? Berkshire Hathaway Specialty Insurance lists profession-specific targets; ERGO NEXT describes a standalone online E&O policy and a roughly 10-minute quote flow. ## How to Use the Berkshire Hathaway Specialty Insurance vs ERGO NEXT Insurance Professional Liability (E&O) Insurance Comparison Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and ERGO NEXT Insurance for Professional Liability (E&O) 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 ERGO NEXT Insurance Professional Liability (E&O) Insurance Summary Berkshire Hathaway Specialty Insurance names professional target classes; ERGO NEXT describes E&O as a standalone online policy with a roughly 10-minute quote, customization and an instantly available certificate after purchase. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [11](https://www.nextinsurance.com/professional-liability-insurance/ "Professional Liability Insurance") ## What Is Berkshire Hathaway Specialty Insurance? BHSI provides commercial and specialty insurance in the U.S., with product-specific industry lists that include healthcare, energy and technology. Online quote and application submissions are nonbinding. [1](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 ERGO NEXT Insurance? ERGO NEXT fits small businesses that want to quote, buy and manage general liability, workers' comp or a BOP online; if you need commercial auto, bonds or complex specialty cover, you'll be sent to partners or should use a broker. Staff-handled policy changes can take 7–10 business days. [8](https://www.nextinsurance.com/business-insurance/ "Business Insurance for Small Businesses") [9](https://www.nextinsurance.com/commercial-auto-insurance/ "Commercial Auto Liability Insurance") [10](https://www.nextinsurance.com/faq-category/my-account/ "My Account FAQs") [ERGO NEXT Insurance profile](https://spot.insure/insurance-providers/next-insurance) ## What Is Professional Errors and Omissions (E&O) Insurance? Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. [12](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [13](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [14](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [15](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance") ## What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and ERGO NEXT Insurance Professional Liability (E&O) Insurance? ### Underwriting conversation versus online purchase Berkshire Hathaway Specialty Insurance’s materials identify target professions and separate product types in its Professional First portfolio. ERGO NEXT describes a roughly 10-minute online quote, coverage customization and online purchase with an instantly available certificate. That gives a small business a more explicitly self-directed purchase route at ERGO NEXT, while BHSI’s materials focus on class-specific professional products. A certificate confirms insurance details; it does not replace checking the policy wording for the coverage your contracts require. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [11](https://www.nextinsurance.com/professional-liability-insurance/ "Professional Liability Insurance") ### Workforce and form questions ERGO NEXT says employees are covered by default, subcontractors typically are not, and prior-acts coverage is available in select cases. BHSI’s professional claims name target classes and a specialized combined form for architects, engineers and consultants, but the claims reviewed do not describe employee or subcontractor treatment. If either workforce status or past work is material, compare the endorsements and named-insured language in the actual offers. [11](https://www.nextinsurance.com/professional-liability-insurance/ "Professional Liability Insurance") [7](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") ## What Should You Confirm in Berkshire Hathaway Specialty Insurance and ERGO NEXT Insurance Professional Liability (E&O) Insurance Quotes? - Ask ERGO NEXT whether subcontractors can be included and whether prior-acts coverage is available for your dates. [11](https://www.nextinsurance.com/professional-liability-insurance/ "Professional Liability Insurance") - Ask BHSI which form, limits and professional class apply to your company. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") - Compare exclusions and defense-cost treatment in both policy forms. [11](https://www.nextinsurance.com/professional-liability-insurance/ "Professional Liability Insurance") [7](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") ## Berkshire Hathaway Specialty Insurance vs ERGO NEXT Insurance Professional Liability (E&O) Compared | Criteria | Professional First Professional Liability portfolio | ERGO NEXT Professional Liability Insurance | | --- | --- | --- | | Role in This Line | Confirm in your quote. | ERGO NEXT sells professional liability, which it also calls errors and omissions insurance, as a standalone online policy. [11](https://www.nextinsurance.com/professional-liability-insurance/ "Professional Liability Insurance") (Evidence: Company-reported; scope: Professional liability product page as read 2026-09-23..) | | Issuing Insurer | Confirm in your quote. | The professional liability page does not name an issuing insurer for this line; the carrier for a specific policy is confirmed on the quote and declarations. [11](https://www.nextinsurance.com/professional-liability-insurance/ "Professional Liability Insurance") (Evidence: Not found in reviewed sources; scope: Checked the professional liability product page on 2026-09-23..) | | Who It’s For | The overview names staffing firms, management consultants, marketing firms and real-estate firms as targeted customers for Miscellaneous Professional Liability; it separately lists law-firm size bands for Lawyers Professional Liability. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") (Evidence: Company-reported; scope: U.S. Professional First target statements; class-specific eligibility only..) | ERGO NEXT targets this line at offices and professionals, construction, food and beverage, and retail and e-commerce businesses, naming business consultants, accountants, financial professionals, engineers and architects as example professions. [11](https://www.nextinsurance.com/professional-liability-insurance/ "Professional Liability Insurance") (Evidence: Company-reported; scope: Product page industry and profession list; not a complete underwriting appetite by state..) | | Coverage Features | BHSI’s U.S. Professional First overview identifies Lawyers Professional Liability and Miscellaneous Professional Liability alongside Technology E&O and Media Liability. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/ "Professional First Professional Liability") (Evidence: Company-reported; scope: Portfolio catalogue statement; the specific legal/professional class and form must be selected rather than treating the offerings as one policy..)

For architects, engineers and consultants, BHSI describes a professional-liability form that also addresses pollution, media, technology and cyber/network-security exposures. [7](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") (Evidence: Company-reported; scope: This is a specialized design-industry combined form, not generic E&O wording or proof that all risks receive each component..) | ERGO NEXT says the policy addresses business errors that cost clients money, claims of professional negligence, misrepresentation causing financial harm, and legal defense costs. [11](https://www.nextinsurance.com/professional-liability-insurance/ "Professional Liability Insurance") (Evidence: Company-reported; scope: Product page coverage description; the issued policy and its exclusions control an actual claim..)

ERGO NEXT lists the policy as excluding intentional wrongdoing and illegal activity, property damage or bodily injury (covered by general liability instead), false advertising, employee work injuries and vehicle accidents. [11](https://www.nextinsurance.com/professional-liability-insurance/ "Professional Liability Insurance") (Evidence: Company-reported; scope: Product page exclusions summary..) | | Limits and Retentions | Confirm in your quote. | Published coverage limits or deductibles were not found on the professional liability product page; only illustrative starting pricing is shown, and the page notes an up to 10% discount for bundling with an existing ERGO NEXT policy. [11](https://www.nextinsurance.com/professional-liability-insurance/ "Professional Liability Insurance") (Evidence: Not publicly disclosed; scope: Checked the professional liability product page on 2026-09-23..) | | Risk Services | The Professional First overview describes its in-house claims handling group as experienced in complex, high-value claims and integrated with underwriting. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") (Evidence: Company-reported; scope: Company-reported portfolio-level claim-service description, not independently measured claims performance..) | ERGO NEXT says employees are covered under the policy by default, subcontractors typically are not, prior-acts coverage is available in select cases, and additional-insured designations are permitted. [11](https://www.nextinsurance.com/professional-liability-insurance/ "Professional Liability Insurance") (Evidence: Company-reported; scope: Product page policy-structure notes..) | | How to Apply | Confirm in your quote. | ERGO NEXT describes a roughly 10-minute online quote, coverage customization, and a fully online purchase with an instantly available certificate of insurance. [11](https://www.nextinsurance.com/professional-liability-insurance/ "Professional Liability Insurance") (Evidence: Company-reported; scope: Product page quote-flow description..) | ## Related Pages for Berkshire Hathaway Specialty Insurance vs ERGO NEXT Insurance - [Berkshire Hathaway Specialty Insurance vs ERGO NEXT Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-next-insurance): all coverage lines, business roles, service and claims. - [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms. - [Berkshire Hathaway Specialty Insurance vs ERGO NEXT Insurance Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-next-insurance/commercial-property) - [Berkshire Hathaway Specialty Insurance vs ERGO NEXT Insurance General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-next-insurance/general-liability) - [AIG vs Berkshire Hathaway Specialty Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/professional-errors-omissions) - [AIG vs ERGO NEXT Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-next-insurance/professional-errors-omissions) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/professional-errors-omissions) - [Alliance Risk vs ERGO NEXT Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-next-insurance/professional-errors-omissions) - [Aon vs Berkshire Hathaway Specialty Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/professional-errors-omissions) - [Aon vs ERGO NEXT Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-next-insurance/professional-errors-omissions) ## Sources for Berkshire Hathaway Specialty Insurance vs ERGO NEXT Insurance ### 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. [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. 6. [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. 7. [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. ### Sources About ERGO NEXT Insurance 8. [Business Insurance for Small Businesses](https://www.nextinsurance.com/business-insurance/). ERGO NEXT Insurance; Primary coverage selector; intended customers; product descriptions; online quote, purchase, documents, certificate and claims sections. Accessed 2026-09-15. 9. [Commercial Auto Liability Insurance](https://www.nextinsurance.com/commercial-auto-insurance/). ERGO NEXT Insurance; Commercial Auto hero; Progressive partner disclosure and external quote link; appointed-agent availability limitation. Accessed 2026-09-16. 10. [My Account FAQs](https://www.nextinsurance.com/faq-category/my-account/). ERGO NEXT Insurance; Electronic documents; policy and payment changes; cancellation; certificates and additional insureds. Accessed 2026-09-15. 11. [Professional Liability Insurance](https://www.nextinsurance.com/professional-liability-insurance/). ERGO NEXT Insurance; What is Professional Liability insurance? (also called errors & omissions insurance); target industries and professions; exclusions; three-step quote process; bundling discount; claims filing. Accessed 2026-09-23. ### Sources for the Professional Liability (E&O) Insurance Guide 12. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16. 13. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16. 14. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16. 15. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16. Updated 2026-10-01. 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). ## ERGO NEXT Insurance Review Scores for 2026 Review Score: 8.9 / 10 from 5 rated sources, equally weighted. NEXT’s favorable ratings come with a warning: NerdWallet reports more commercial liability complaints than expected. Check complaint handling and support before relying on its headline scores. - NerdWallet: NerdWallet editorial rating 4.0 (5). NerdWallet editorial small-business insurance review; commercial general liability and commercial property complaint analysis, NAIC 2022–2024. Period: 2026 review. Checked 2026-09-25. [Ergo Next Insurance 2026 Review - NerdWallet](https://www.nerdwallet.com/business/insurance/learn/next-business-insurance) - Trustpilot: TrustScore 4.1 (5 stars); 1423 reviews. Merged brand-level consumer reviews; does not reliably identify exact carrier or product for each reviewer. Period: profile total; 188 reviews in prior 12 months. Checked 2026-09-25. [ERGO NEXT Reviews | Trustpilot](https://www.trustpilot.com/review/nextinsurance.com) - BBB: BBB Rating A+ (BBB letter grade). BBB local business profile for ERGO NEXT, listing multiple commercial products; BBB grade distinct from customer reviews. Checked 2026-09-25. [ERGO NEXT Insurance | BBB Business Profile](https://www.bbb.org/us/ca/palo-alto/profile/insurance-companies/ergo-next-insurance-1216-881554) - BBB: BBB customer review average 4.36 (5); 909 reviews. BBB customer review average for listed ERGO NEXT business profile; distinguish this customer-star aggregate from BBB letter grade and from policy-specific claims outcomes. Checked 2026-09-25. [ERGO NEXT Insurance | BBB Customer Reviews](https://www.bbb.org/us/ca/palo-alto/profile/insurance-companies/ergo-next-insurance-1216-881554/customer-reviews) - Google Play: Google Play app rating 4.9 (5 stars). Google Play mobile-app reviews for insurance app, not company-wide policy/claims experience; no office scope. Period: Observed 2026-09-25; ratings section showed 3.68K reviews while page header showed 3.75K, so exact review count is withheld. Checked 2026-09-25. [ERGO NEXT Insurance - Apps on Google Play](https://play.google.com/store/apps/details?id=com.nextinsurance) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/next-insurance/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-next-insurance/professional-errors-omissions.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)