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 Crime Insurance page
What Is RiskCube Insurance?
RiskCube suits startups that want to compare available quotes from multiple insurers and manage certificates and renewals online; businesses needing a direct carrier relationship or confirmed California eligibility should compare alternatives. 6,7,8
What Is Crime Insurance?
Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. 10,11,12,13,14
Key Differences in Crime Insurance
Form and Insured Crime Scenarios
Berkshire Hathaway Specialty Insurance includes Commercial Crime in Executive First; RiskCube describes a brokered startup policy covering losses from employee theft, fraud, forgery, and social engineering. RiskCube says it compares carrier options rather than underwriting, and it does not name those carriers. Startups should obtain the proposed insurer and form before comparing RiskCube’s placement with BHSI’s portfolio policy. 5 9
Eligibility, Limits, and Service
RiskCube positions crime for startups handling client funds, payment data, or distributed teams and describes a roughly ten-minute digital intake. Berkshire Hathaway Specialty Insurance targets private companies with at least $10 million revenue and publishes portfolio limits up to $50 million. Confirm appetite and issued limits; RiskCube’s stated aim of proof within about 24 hours does not establish when coverage binds. 5 9
What to Confirm in Crime Insurance Quotes
- Ask RiskCube which third-party carrier and crime form will be quoted, and whether employee and social-engineering losses share a sublimit.
- Ask Berkshire Hathaway Specialty Insurance whether its account threshold and portfolio structure fit the startup’s revenue and ownership.
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 reviewsRiskCube
Review Score
No reviews found
RiskCube has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge.[10][1][6]
Read RiskCube reviewsOffering Details
Berkshire Hathaway Specialty Insurance vs RiskCube: Crime Insurance: documented features by provider
| Criteria | Commercial Crime in Executive First Private Company Portfolio | RiskCube Commercial Crime Insurance |
|---|---|---|
| Role in This Line | BHSI describes Executive First Private Company Portfolio as one comprehensive form combining D&O, EPL, fiduciary, Commercial Crime and employed-lawyer insurance. 5Company-reported. Portfolio marketing establishes a listed product structure, not a buyer’s entitlement or standalone availability. | RiskCube brokers commercial crime coverage as one of the lines in its startup insurance catalogue, comparing carrier options rather than underwriting the policy itself. 9Company-reported. Catalogue coverage-type list and lead paragraph; RiskCube did not publish a separate commercial crime landing page as of 2026-09-23. |
| Issuing Insurer | Confirm in your quote. | RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including commercial crime, are underwritten and issued by third-party carriers it does not name. 8Company-reported. Company-wide entity and licensing disclosure; no carrier is identified for commercial crime specifically. |
| Who It’s For | BHSI identifies private companies with at least $10 million in revenue among the portfolio’s target accounts. 5Company-reported. Portfolio-level target, not a guarantee that a particular applicant qualifies for the crime component. | RiskCube calls commercial crime coverage "essential for startups handling client funds, payment data, or operating with a distributed team." 9Company-reported. Catalogue Commercial Crime card. |
| Coverage Features | The portfolio page specifically names Commercial Crime as one component of the comprehensive form. 5Company-reported. The page names the line but does not state its insuring agreements, coverage triggers or relationship to fidelity bonds. | RiskCube describes commercial crime coverage as protecting a startup against financial losses caused by employee theft, fraud, forgery and social-engineering attacks. 9Company-reported. Catalogue Commercial Crime card summary. |
| Limits and Retentions | The portfolio page advertises shared or separate limits up to $50 million. 5Company-reported. This is a portfolio-wide figure, not a crime-specific limit; the page does not say how limits would be allocated on a specific policy. | RiskCube's catalogue does not publish specific limit or retention amounts for commercial crime. 9Not publicly disclosed. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available to check for a limits table. |
| Risk Services | Confirm in your quote. | The reviewed catalogue page does not describe risk-control or other services specific to commercial crime, such as fidelity-fraud prevention programs. 9Not found in reviewed sources. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available. |
| How to Apply | Confirm in your quote. | RiskCube describes a roughly 10-minute digital intake followed by its AI agents and licensed brokers comparing top-rated carriers, aiming for vendor-ready proof of coverage in about 24 hours across the coverage types in its catalogue, including commercial crime. 9Company-reported. Catalogue process section; the timing is a general claim about the catalogue's application flow, not commercial-crime-specific. |
| Claims Support | Confirm in your quote. | The reviewed catalogue page does not describe claims handling specific to commercial crime. 9Not found in reviewed sources. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available. |
Full Comparison
More Berkshire Hathaway Specialty Insurance vs RiskCube Comparisons
Other Crime 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 Private Company Portfolio. Berkshire Hathaway Specialty Insurance; Product Highlights, lines 11–15: D&O, EPL, fiduciary, Commercial Crime and Employed Lawyers in one comprehensive form; shared or separate limits up to $50 million; EPL First HR resources and attorney helpline. Top Targets, lines 16–25: private companies with at least $10 million revenue and listed industries. Reopened 2026-09-30. Accessed 2026-09-30.
RiskCube
- Startup Business Insurance. RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
- Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
- Disclosures & Compensation. RiskCube; Section 1, Entity and Licensing Disclosure: "RiskCube is not an insurance carrier and does not underwrite insurance. Insurance coverage is offered, underwritten, and issued by third-party insurance carriers". Accessed 2026-09-23.
- Startup Insurance Coverage. RiskCube; Commercial Crime card: "Protects your startup from financial losses caused by employee theft, fraud, forgery, and social engineering attacks. Essential for startups handling client funds, payment data, or operating with a distributed team"; catalogue intro and process steps. Accessed 2026-09-23.
Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
- Crime Non-Financial Applications and Forms. Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
- Crime Terms and Conditions. The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16.
- Commercial Crime Coverage Application. Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. Accessed 2026-09-16.
