--- title: "Berkshire Hathaway Specialty Insurance vs Risklytics: Umbrella and Excess Liability Insurance" description: "Berkshire Hathaway Specialty Insurance’s U.S. appetite guide lists $10 million excess capacity for selected risks (U.S. casualty appetite guide; not an account quote); Risklytics says a typical extra-limits request is $1 million to $10 million, with actual limits set by the bound policy." canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/umbrella-excess" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "berkshire-hathaway-specialty-insurance-vs-risklytics" provider-a: "berkshire-hathaway-specialty-insurance" provider-b: "risklytics" coverage-line: "umbrella-excess" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/umbrella-excess) ## Agent Guide **What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and Risklytics for Umbrella and Excess Liability 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 Umbrella and Excess Liability 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 Umbrella and Excess Liability Insurance: how do they differ? - Which is better for Umbrella and Excess Liability Insurance, Berkshire Hathaway Specialty Insurance or Risklytics? - What does Berkshire Hathaway Specialty Insurance or Risklytics publish about Umbrella and Excess Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Umbrella and Excess Liability Insurance from Berkshire Hathaway Specialty Insurance or Risklytics? **Key facts:** - Line: Umbrella and Excess Liability 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 2026-10-01. 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 - [Umbrella and Excess Liability Insurance guide](https://spot.insure/coverage/umbrella-excess) — 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 Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/commercial-property) — sibling comparison (other line, or other pair for this line) - [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) - [Berkshire Hathaway Specialty Insurance vs Risklytics Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/inland-marine) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Risklytics Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [AIG vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-risklytics/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/umbrella-excess) — sibling comparison (other line, or other pair for this line) # Berkshire Hathaway Specialty Insurance vs Risklytics: How Do They Compare for Umbrella and Excess Liability Insurance? Berkshire Hathaway Specialty Insurance’s U.S. appetite guide lists $10 million excess capacity for selected risks (U.S. casualty appetite guide; not an account quote); Risklytics says a typical extra-limits request is $1 million to $10 million, with actual limits set by the bound policy. ## How to Use the Berkshire Hathaway Specialty Insurance vs Risklytics Umbrella and Excess Liability Insurance Comparison Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Risklytics for Umbrella and Excess Liability 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 Risklytics Umbrella and Excess Liability Insurance Summary Berkshire Hathaway Specialty Insurance’s U.S. casualty guide lists $10 million excess capacity for selected risks, not a quote. Risklytics describes $1 million to $10 million as a typical client ask for extra limits and says actual limits are set on the bound policy. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [10](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) 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. [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") [8](https://www.risklytics.ai/ "Insurance for Frontier Tech") [9](https://www.risklytics.ai/terms/ "Terms of Service") [Risklytics profile](https://spot.insure/insurance-providers/risklytics) ## What Is Umbrella and Excess Liability Insurance? Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. [12](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [13](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [14](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm "Lines of Insurance") [15](https://www.coverdash.com/coverage "Coverage Hub") [16](https://kinro.com/products "Products") ## What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Risklytics Umbrella and Excess Liability Insurance? ### Capacity Reference and Typical Ask Berkshire Hathaway Specialty Insurance states $10 million excess capacity for selected U.S. casualty risks, with more for selected accounts. Risklytics describes $1 million–$10 million as a typical limit request, not a standard capacity commitment, and says actual limits are set on the bound policy. Buyers comparing a contract requirement should keep the guide’s selective capacity and the broker’s typical client ask distinct until actual quotations are available. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [10](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") ### Underlying Lines and Placement Fit Risklytics says its extra-limits layer commonly sits over general liability, commercial auto, and employer liability, and rarely over Tech E&O. Berkshire Hathaway Specialty Insurance’s guide identifies lead umbrella, follow-form excess, and retained-limit forms. The underlying line therefore matters to a buyer choosing a layer: provide the same schedule to each market and confirm which underlying policies the proposed form will follow. [10](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") ## What Should You Confirm in Berkshire Hathaway Specialty Insurance and Risklytics Umbrella and Excess Liability Insurance Quotes? - Ask Berkshire Hathaway Specialty Insurance whether the selected-risk guide capacity is available for your requested layer and schedule. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") - Ask Risklytics which underlying policy types the carrier will consider for this extra-limits request. [10](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") ## Berkshire Hathaway Specialty Insurance vs Risklytics Umbrella and Excess Liability Compared | Criteria | Lead umbrella and excess casualty | Risklytics Extra Limits (Umbrella) Insurance | | --- | --- | --- | | Role in This Line | Confirm in your quote. | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Extra Limits (Umbrella) Insurance with outside carriers; it says it does not underwrite policies itself. [7](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 Extra Limits (Umbrella) 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. [10](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") [7](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 | BHSI lists manufacturers/distributors, real estate, grocery, financial institutions, construction, energy and trucking as umbrella/excess targets. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") (Evidence: Company-reported; scope: BHSI US lead umbrella/excess casualty targets. Material limitation: Targets remain subject to restrictions and underwriting appetite..) | Risklytics says the usual trigger is the first contract demanding more liability coverage than the primary policy carries, often an enterprise master service agreement or a site owner asking for $5 million or more. [10](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") (Evidence: Company-reported; scope: Lines page..) | | Coverage Features | BHSI markets lead umbrella and excess casualty as an explicit product line and lists pollution/contractor-form features. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") (Evidence: Company-reported; scope: US commercial casualty placements. Material limitation: Marketing overview; the manuscript and broker-specific forms require underwriting..) | Risklytics describes this line as stacking extra liability limits, commonly over general liability, commercial auto and employer's liability, on top of a primary policy when a contract demands higher limits than the primary carries, and says it rarely sits over Tech E&O. [10](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) | | Limits and Retentions | The appetite guide lists lead umbrella, follow-form excess and retained-limit forms, with $10 million excess capacity and more for selected risks. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") (Evidence: Company-reported; scope: Select risks in the guide’s US casualty appetite. Material limitation: Capacity is not a quote or universally available layer; “more” is risk-selective..) | Risklytics lists a typical ask of $1 million to $10 million stacked on top of a client's other policies for this line. [10](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) 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” because umbrella capacity follows the strength of the underlying policies it sits above. [10](https://www.risklytics.ai/lines/umbrella/ "Extra Limits (Umbrella) Insurance") (Evidence: Company-reported; scope: Lines page..) | | How to Apply | Confirm in your quote. | You start Risklytics Extra Limits (Umbrella) 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. [11](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [7](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..) | ## Related Pages for Berkshire Hathaway Specialty Insurance vs Risklytics - [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 Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella or excess insurance can add liability limits above selected underlying policies when a covered claim exceeds them; compare the schedule and any gaps. - [Berkshire Hathaway Specialty Insurance vs Risklytics Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/commercial-property) - [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) - [Berkshire Hathaway Specialty Insurance vs Risklytics Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/inland-marine) - [Berkshire Hathaway Specialty Insurance vs Risklytics Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/technology-errors-omissions) - [AIG vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) - [AIG vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-risklytics/umbrella-excess) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) - [Alliance Risk vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/umbrella-excess) - [Amelia Risk vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) - [Amelia Risk vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/umbrella-excess) ## Sources for Berkshire Hathaway Specialty Insurance vs Risklytics ### 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. [Casualty Appetite Guide - U.S.](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf). Berkshire Hathaway Specialty Insurance; Casualty appetite PDF page 1: $50K minimum premium, GL/products/lead umbrella/excess lines, selected $10M excess capacity, placement forms and target/avoided classes; guide dated 2026-07-15. Accessed 2026-09-28. 6. [Casualty](https://www.bhspecialty.com/us-products/us-casualty/). Berkshire Hathaway Specialty Insurance; US casualty product lines and features: Primary General Liability lines 10-34; Primary Products/Completed Operations Liability 35-44; Lead Umbrella and Excess Casualty 46-63. Accessed 2026-09-28. ### Sources About Risklytics 7. [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. 8. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16. 9. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16. 10. [Extra Limits (Umbrella) Insurance](https://www.risklytics.ai/lines/umbrella/). Risklytics; Coverage line: Extra Limits (Umbrella); Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23. 11. [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. ### Sources for the Umbrella and Excess Liability Insurance Guide 12. [Liability Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance). Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16. 13. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16. 14. [Lines of Insurance](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm). California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16. 15. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16. 16. [Products](https://kinro.com/products). Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. 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). ## Risklytics Review Scores for 2026 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 - [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/umbrella-excess.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)