Berkshire Hathaway Specialty Insurance vs 
Risklytics: How Do They Compare for Inland Marine 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. 1,2,3,4
What Is Risklytics Insurance?
Risklytics suits robotics, autonomy and AI businesses that want help preparing an application and checking Tech E&O wording for AI exclusions; standard small businesses should compare generalist agencies. California eligibility is not established in its public materials. 6,7,8
What Is Inland Marine Insurance?
If your business moves equipment between sites or ships goods, inland marine can cover those property exposures; installation and other forms address different property categories. Match the quote to what you own, rent or hold for others. 11,12
Key Differences in Inland Marine Insurance
What the Published Offering Defines
Berkshire Hathaway Specialty Insurance’s catalog includes inland transit, motor-truck cargo, warehouse legal liability and contractor equipment. Risklytics narrows the conversation to robotics: a demo unit damaged at a customer site or a crated robot stolen in transit. For a robotics operator, this description directly connects inland marine to deployed units rather than only freight or conventional contractor gear. A mixed fleet may need both the unit schedule and the movement between sites reviewed. 5 9
Buying and Policy Details to Resolve
Risklytics says the typical ask is to list every unit at its replacement cost, rather than select one blanket value; Berkshire Hathaway Specialty Insurance’s public catalog names the equipment class but gives no unit valuation method. That distinction affects how you prepare a submission. Inventory serial numbers, current replacement costs, transit frequency and pilot-site requirements, then ask whether each policy covers testing and temporary customer-site storage as well as transit. 5 9
What to Confirm in Inland Marine Insurance Quotes
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
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 reviewsRisklytics
Review Score
Risklytics 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 Risklytics reviewsOffering Details
Berkshire Hathaway Specialty Insurance vs Risklytics: Inland Marine Insurance: documented features by provider
| Criteria | Commercial Inland Marine products including inland transit, motor-truck cargo, warehouse legal liability, contractor equipment and floaters; separately cataloged from Ocean Marine cargo and stock throughput. | Risklytics Equipment (Inland Marine) Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Equipment (Inland Marine) Insurance with outside carriers; it says it does not underwrite policies itself. 6Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line. |
| Issuing Insurer | Confirm in your quote. | Risklytics does not name the carrier that underwrites Risklytics Equipment (Inland Marine) Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. 9,6Company-reported. Lines page and about page; no specific insurer is published for this line. |
| Who It’s For | For Inland Marine, BHSI lists developers, general contractors, logistics, transportation, oil and gas, utilities, and warehousemen as top targets. 5Company-reported. BHSI U.S. Inland Marine target-account list only. Material limitation: Target examples do not guarantee eligibility; do not substitute the separate Ocean Marine customer list or combine the products/forms. | Risklytics says buyers typically need this coverage the first time a unit leaves the building, and that pilot agreements and site owners require it for gear left on site. 9Company-reported. Lines page. |
| Coverage Features | BHSI's marine catalog includes inland transit, motor-truck cargo, warehouse legal liability, contractor equipment and installation risks. 5Company-reported. US commercial marine and inland-marine products. Material limitation: These are separate scheduled exposures/forms; not all are necessarily available in one policy. BHSI describes additional inland-marine risks such as exhibition property, scheduled articles, small tools and leased equipment. 5Company-reported. Commercial inland marine placements. Material limitation: Eligibility, deductibles, limits and geographic scope depend on the policy. | Risklytics frames this as the robotics-specific line, covering equipment damaged or stolen away from the company's own premises, such as a demo unit crushed at a customer's warehouse or a crated robot stolen in transit, and distinguishes it from general liability, which would cover a bystander injured by the same robot rather than damage to the unit itself. 9Company-reported. Lines page; the issued policy and declarations control actual coverage. |
| Limits and Retentions | Confirm in your quote. | Risklytics says the typical ask is each unit listed and insured for its replacement cost, rather than a single blanket dollar figure. 9Company-reported. Lines page; actual limits are set on the bound policy. |
| Risk Services | Confirm in your quote. | Risklytics says this line “needs the right insurers” and is placeable once every equipment unit is listed with a real value. 9Company-reported. Lines page. |
| How to Apply | Confirm in your quote. | You start Risklytics Equipment (Inland Marine) Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. 10,6Company-reported. Pricing page describes the general application and fee process, not a line-specific form. |
Full Comparison
More Berkshire Hathaway Specialty Insurance vs Risklytics Comparisons
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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.
- Marine. Berkshire Hathaway Specialty Insurance; Inland and ocean marine product list, covered property classes and target businesses; lines 18-69. Accessed 2026-09-28.
Risklytics
- About Risklytics: who we are. Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
- Insurance for Frontier Tech. Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
- Terms of Service. Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
- Equipment (Inland Marine) Insurance. Risklytics; Coverage line: Equipment (Inland Marine); Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
- How pricing and broker fees work. Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23.
Inland Marine Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery. Accessed 2026-09-16.
- Inland Marine Policy: Contractors’ Equipment. Markel American Insurance Company / American Association of Insurance Services; hosted by Florida Department of Management Services; PDF p.8 declarations; attached Contractors’ Equipment printed pp.1–13 (PDF pp.18–30); replacement-cost endorsement PDF p.34. Accessed 2026-09-16.
