Berkshire Hathaway Specialty Insurance vs Simply Business

BHSI’s U.S. At A Glance section (version 2026-8-03 A) lists commercial property, casualty, healthcare professional liability, executive and professional lines, surety, travel, programs, employer stop loss, and homeowners insurance. The guide is informational, not policy coverage, and its brand-level list does not identify the insurer on a particular policy. ^1,2,5Company-reported. A description of BHSI's U.S. line list in its U.S. At A Glance section (version 2026-8-03 A) only. The guide says its descriptions are informational and are not coverage; its brand-level list does not assign an issuing insurer to a particular product or policy. This is not a claim that one legal insurer issues every BHSI product.

Berkshire Hathaway Specialty Insurance Company (BHSIC) identifies itself in its Singapore-branch public disclosure as a Nebraska-domiciled direct property and casualty insurer, wholly owned by National Indemnity Company, which is wholly owned by Berkshire Hathaway Incorporated. The Singapore-branch disclosure states this ownership chain. A Missouri Department of Insurance record separately lists BHSIC as active, NAIC 22276, and Property and Casualty in Missouri. Neither source identifies BHSIC as the issuer of every BHSI-branded U.S. policy. ^3,4,5Company-reported. Company-reported corporate identity and ownership in BHSI's Singapore-branch public disclosure, corroborated for company identity and Missouri P&C authority by the Missouri Department of Insurance record accessed 2026-09-28. Neither source maps BHSIC as issuer for every BHSI-branded U.S. product; use policy-specific documents for that.

Simply Business describes its U.S. service as an online commercial-insurance marketplace and licensed producer connecting business customers with insurers. Its June 30, 2026 Terms identify Simply Business, LLC and Harborway Insurance Agency, LLC d/b/a Harborway Insurance as licensed producers, with Harborway a Simply Business subsidiary; the Terms say Harborway policies are underwritten by Spinnaker Insurance Company. Other site policies are underwritten by third-party providers, so the selected issuer depends on the offer and policy. These roles and license statements are company-reported. The contact-page footer says Simply Business, LLC is licensed in all U.S. states and D.C.; for California it says the company operates under the name Simply Business Insurance Agency, LLC and displays License #0M20593. The footer also lists Colorado, New York, Pennsylvania and Texas operating names; it gives no other license identifiers. No regulator lookup was performed or required for this candidate. ^25,26,38,27Company-reported. U.S. commercial insurance distribution described by the company. Simply Business, LLC, Simply Business, Inc., Harborway Insurance Agency, LLC, the stated parent and each policy issuer are distinct. The Inc./LLC relationship remains unresolved.

BHSI's website terms say online application or quote submissions are informational and nonbinding; only contracted agents of the National Indemnity group may bind coverage, issue policies or certificates, or change coverage. Group companies' authority also varies by state, so the terms do not show that every application must begin through an agent. ⁵Company-reported. The website's own online submissions and binding authority described by BHSI's terms; not a statement about every product's intake process or a claim that purchase can be completed online.

The company advertises online quotes and weekday phone access to licensed agents. Its Terms say a quote is not guaranteed and Simply Business cannot bind a risk without panel-member approval; a quote or online purchase path does not establish that every applicant can bind online. ^27,26Company-reported. Published U.S. quote and service channels. Binding depends on panel-member approval and the individual offer.

BHSI’s U.S. Claims Service Standards document (version US 2024-10-07A) says coverage issues or reservations are discussed directly with insureds, brokers, and relevant parties, and brokers and policyholders are kept involved during third-party settlement discussions. These are company-stated process standards, not measured claims outcomes. ⁸Company-reported. Company-stated U.S. claims-service standards in version US 2024-10-07A; accessed 2026-09-28. Process commitments are not evidence of measured service or outcomes.

BHSI's U.S. website terms and claims page reviewed on September 28, 2026 do not explain how commercial policy renewals are quoted or completed. The U.S. product directory opened for this correction displays category navigation, but it is not a review of the linked product pages. These limited checks do not establish that renewal support or a renewal route is unavailable. ^6,5,7Not found in reviewed sources. A narrowly scoped research gap in the opened U.S. website terms and claims page and the U.S. product-directory landing page, checked 2026-09-28. The directory landing page provides category navigation only; linked product pages and account-specific servicing routes were not reviewed for this claim. This does not mean BHSI lacks renewal support.

Simply Business lists licensed-agent phone support Monday through Friday: sales 8 a.m.–8 p.m. Eastern Time and service 9 a.m.–6 p.m. These listed hours do not establish a response-time guarantee. ²⁷Company-reported. Hours displayed on the current U.S. contact page; no actual wait-time observation is implied.

The company describes account access for policy documents, certificates, account updates and adding coverage; help material routes some changes to an agent or insurer. Not every policy change is described as self-service. ^27,28,26Company-reported. Company-described post-purchase service paths; available tasks may depend on policy and insurer.

The Help Center FAQ says most customers opt into automatic renewal and gives 60-day notice and 30-day processing timing only for those who opt in. The same Help Center summary and June 30, 2026 Terms use broader automatic-renewal wording without the FAQ’s opt-in qualification. The public descriptions conflict; they do not establish which wording applies to every policy. ^28,26Conflicting sources. Company-published descriptions reviewed 2026-09-29. FAQ detail, Help Center summary and Terms are inconsistent; no buyer-specific policy notice was reviewed.

For claims outside separate product-specific instructions, BHSI's U.S. claims page lists email, 24-hour toll-free, and postal reporting routes; several products have their own route. ⁷Company-reported. Claims-notice channels published on BHSI's U.S. claims page at review date; policy/product-specific directions govern and the general channels are not universal.

The Terms say third-party insurers underwrite site policies and each provider handles claims on its own policies; the Help Center directs policyholders to identify and contact the insurer. This establishes a published route, not agency assistance after notice or claim outcomes. ^26,28Company-reported. General site-policy claim responsibility. Harborway/Spinnaker applies only to the named Harborway placement relationship.

BHSI's U.S. industry focus spans real estate, public entities, financial institutions, healthcare, education, manufacturing, retail, logistics, transportation, energy, and technology. The at-a-glance guide associates these industries with particular product segments; it does not say every segment serves every listed industry. ¹Company-reported. Company-stated industry focus in the United States section of the At A Glance (U.S. section version 2026-8-03 A); industry lists are segment-specific, not a universal eligibility statement.

Within its U.S. executive-lines commercial and financial segment, BHSI lists publicly traded and large privately owned commercial firms; investment, money-center, national, and regional banks; asset managers; and insurance companies and brokerages. The size description applies to the commercial-firm entry, not every listed institution or all BHSI products. ¹Company-reported. Only the U.S. Executive Lines, Commercial & Financial segment, At A Glance p. 50. The “publicly traded and large privately owned” qualifier attaches to the Commercial Firms bullet only.

Simply Business says it serves small businesses and solopreneurs and lists examples such as contractors, cleaning businesses, LLCs and sole proprietors. These examples describe its stated audience, not guaranteed insurer eligibility or availability. ^25,30,26Company-reported. Company-described U.S. audience; eligibility varies by insurer, state and business details.