---
title: "Berkshire Hathaway Specialty Insurance vs Risklytics: Inland Marine Insurance"
description: "Berkshire Hathaway Specialty Insurance lists broad commercial marine classes, while Risklytics focuses on robotics equipment outside the premises and values each unit at replacement cost."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/inland-marine"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-risklytics"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "risklytics"
coverage-line: "inland-marine"
---

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[Human-readable page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/inland-marine)

## Agent Guide

**What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and Risklytics for Inland Marine 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 Inland Marine Insurance questions about Berkshire Hathaway Specialty Insurance versus Risklytics. 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 Risklytics for Inland Marine Insurance: how do they differ?
- Which is better for Inland Marine Insurance, Berkshire Hathaway Specialty Insurance or Risklytics?
- What does Berkshire Hathaway Specialty Insurance or Risklytics publish about Inland Marine Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Inland Marine Insurance from Berkshire Hathaway Specialty Insurance or Risklytics?

**Key facts:**
- Line: Inland Marine Insurance. Providers: Berkshire Hathaway Specialty Insurance and Risklytics.
- 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 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Berkshire Hathaway Specialty Insurance vs Risklytics](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics) — parent: all coverage lines for this pair
- [Inland Marine Insurance guide](https://spot.insure/coverage/inland-marine) — coverage explainer for this line
- [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) — provider profile (evidence)
- [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile (evidence)
- [Berkshire Hathaway Specialty Insurance vs Risklytics Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/cyber) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Risklytics D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Risklytics General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Inland Marine Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/inland-marine) — sibling comparison (other line, or other pair for this line)
- [AIG vs Risklytics Inland Marine Insurance](https://spot.insure/compare/aig-vs-risklytics/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Risklytics Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Chubb Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs CNA Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cna/inland-marine) — sibling comparison (other line, or other pair for this line)

# Berkshire Hathaway Specialty Insurance vs Risklytics: How Do They Compare for Inland Marine Insurance?

Berkshire Hathaway Specialty Insurance lists broad commercial marine classes, while Risklytics focuses on robotics equipment outside the premises and values each unit at replacement cost.

## Research Scope and Use

Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Risklytics for Inland Marine 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.

## Summary

Berkshire Hathaway Specialty Insurance lists contractor equipment, transit and warehouse risks. Risklytics describes robotics damaged or stolen off premises and asks buyers to insure each unit for replacement cost, so equipment schedules matter from the first off-site deployment. [5](https://www.bhspecialty.com/us-products/us-marine/ "Marine") [9](https://www.risklytics.ai/lines/equipment/ "Equipment (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](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 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](https://www.risklytics.ai/about/ "About Risklytics: who we are") [7](https://www.risklytics.ai/ "Insurance for Frontier Tech") [8](https://www.risklytics.ai/terms/ "Terms of Service")

[Risklytics profile](https://spot.insure/insurance-providers/risklytics)

## 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](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [12](https://www.dms.myflorida.com/content/download/132333/823484/SoF_Policy_CE_17-18_UM00056635MA17A.pdf "Inland Marine Policy: Contractors’ Equipment")

## 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](https://www.bhspecialty.com/us-products/us-marine/ "Marine") [9](https://www.risklytics.ai/lines/equipment/ "Equipment (Inland Marine) Insurance")

### 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](https://www.bhspecialty.com/us-products/us-marine/ "Marine") [9](https://www.risklytics.ai/lines/equipment/ "Equipment (Inland Marine) Insurance")

## What to Confirm in Inland Marine Insurance Quotes

- Will Berkshire Hathaway Specialty Insurance schedule each robot at replacement cost and include customer-site demonstrations? [5](https://www.bhspecialty.com/us-products/us-marine/ "Marine") [9](https://www.risklytics.ai/lines/equipment/ "Equipment (Inland Marine) Insurance")
- What unit details and evidence of value does Risklytics require before binding? [5](https://www.bhspecialty.com/us-products/us-marine/ "Marine") [9](https://www.risklytics.ai/lines/equipment/ "Equipment (Inland Marine) Insurance")

## Offering Details

| 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. [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: 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](https://www.risklytics.ai/lines/equipment/ "Equipment (Inland Marine) Insurance") [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: 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. [5](https://www.bhspecialty.com/us-products/us-marine/ "Marine") (Evidence: Company-reported; scope: 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. [9](https://www.risklytics.ai/lines/equipment/ "Equipment (Inland Marine) Insurance") (Evidence: Company-reported; scope: Lines page..) |
| Coverage Features | BHSI's marine catalog includes inland transit, motor-truck cargo, warehouse legal liability, contractor equipment and installation risks. [5](https://www.bhspecialty.com/us-products/us-marine/ "Marine") (Evidence: Company-reported; scope: US commercial marine and inland-marine products. Material limitation: These are separate scheduled exposures/forms; not all are necessarily available in one policy..)<br><br>BHSI describes additional inland-marine risks such as exhibition property, scheduled articles, small tools and leased equipment. [5](https://www.bhspecialty.com/us-products/us-marine/ "Marine") (Evidence: Company-reported; scope: 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. [9](https://www.risklytics.ai/lines/equipment/ "Equipment (Inland Marine) Insurance") (Evidence: Company-reported; scope: 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. [9](https://www.risklytics.ai/lines/equipment/ "Equipment (Inland Marine) Insurance") (Evidence: Company-reported; scope: 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. [9](https://www.risklytics.ai/lines/equipment/ "Equipment (Inland Marine) Insurance") (Evidence: Company-reported; scope: 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](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [6](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Pricing page describes the general application and fee process, not a line-specific form..) |

## Full Comparison

- [Berkshire Hathaway Specialty Insurance vs Risklytics](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics): all coverage lines, business roles, service and claims.
- [What Is Inland Marine Insurance?](https://spot.insure/coverage/inland-marine): Inland marine covers specialized property exposures such as equipment moved between sites, installed property and goods in transit; the quote must match what you own or hold.
- [Berkshire Hathaway Specialty Insurance vs Risklytics Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/cyber)
- [Berkshire Hathaway Specialty Insurance vs Risklytics D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/directors-officers)
- [Berkshire Hathaway Specialty Insurance vs Risklytics General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/general-liability)
- [AIG vs Berkshire Hathaway Specialty Insurance Inland Marine Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/inland-marine)
- [AIG vs Risklytics Inland Marine Insurance](https://spot.insure/compare/aig-vs-risklytics/inland-marine)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/inland-marine)
- [Alliance Risk vs Risklytics Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/inland-marine)
- [Berkshire Hathaway Specialty Insurance vs Chubb Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/inland-marine)
- [Berkshire Hathaway Specialty Insurance vs CNA Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cna/inland-marine)

## Sources

### 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. [Marine](https://www.bhspecialty.com/us-products/us-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

6. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
7. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
8. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
9. [Equipment (Inland Marine) Insurance](https://www.risklytics.ai/lines/equipment/). 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.
10. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). 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

11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery. Accessed 2026-09-16.
12. [Inland Marine Policy: Contractors’ Equipment](https://www.dms.myflorida.com/content/download/132333/823484/SoF_Policy_CE_17-18_UM00056635MA17A.pdf). 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.

Updated 2026-09-30. 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 Reviews

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).

## Risklytics Reviews

Review Score: not enough ratings.

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.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/risklytics/reviews).

## Agent and Developer Resources

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