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 D&O Insurance page
What Is TechInsurance?
TechInsurance fits freelancers and small software, SaaS and IT firms that want to compare several insurers' quotes from one application, with agent help and a tech E&O plus cyber bundle. Growth-stage companies needing a managed renewal program or firm quote deadlines should look at specialist brokers. 7,8,9
What Is Directors and Officers Insurance?
D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. 11,12,13
Key Differences in D&O Insurance
When the policy must be active
TechInsurance says D&O is claims-made, meaning the policy must be active when a claim is made, and lists criminal acts such as fraud as excluded. Berkshire Hathaway Specialty Insurance describes coverage for government investigations, including informal inquiries of insured individuals without sublimits. Directors should compare the policy period, prior-acts treatment, and investigation trigger in the actual wording because the timing of a claim can determine which policy responds. 10 5
Median premium and quote terms
TechInsurance reports a median D&O premium of $133 per month, with cost depending on limits, deductible, jurisdiction, industry, headcount, revenue, claims, and IPO potential. Berkshire Hathaway Specialty Insurance’s reviewed record names investigation and derivative-action features but no standard premium or limit. The median is a budgeting reference, not a comparable quote; match limits and retentions before weighing it against BHSI’s offer. 10 5
What to Confirm in D&O Insurance Quotes
- Ask TechInsurance when coverage begins, how prior acts are handled, and what tail or extended reporting options exist; compare BHSI’s effective date and investigation trigger. 10 5
- Use the $133 median only as a reference; request exact limits, retention, and premium from each provider before comparing cost. 10
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 reviewsTechInsurance
Review Score
2 rated sources
TechInsurance’s available ratings are favorable, with praise for broker guidance. The feedback supports its shopping service more than any particular insurer’s claims handling.[4][5]
Read TechInsurance reviewsOffering Details
Berkshire Hathaway Specialty Insurance vs TechInsurance: D&O Insurance: documented features by provider
| Criteria | Executive First D&O Liability Insurance | TechInsurance Directors and Officers Insurance (D&O) |
|---|---|---|
| Role in This Line | Confirm in your quote. | TechInsurance arranges directors and officers (D&O) insurance, a type of management liability insurance, and says it can be purchased as a standalone policy or as an endorsement to a general liability policy or business owner's policy. 10Company-reported. D&O product page. |
| Issuing Insurer | Confirm in your quote. | The reviewed page does not name the issuing insurer for a D&O policy. 10Not publicly disclosed. D&O product page as read on 2026-09-23. |
| Who It’s For | The D&O page names large commercial and financial firms as target accounts. 5Company-reported. U.S. target-account description, not a complete eligibility rule or acceptance commitment. | TechInsurance targets D&O at companies with an active board, naming employers with employees or stockholders, venture-backed startups (where investor term sheets often require the coverage), and nonprofits (where most states require a board of directors) as examples. 10Company-reported. D&O product page, Who needs D&O insurance coverage? section. |
| Coverage Features | The U.S. Executive First D&O page describes coverage for government investigations, including informal investigations of insured individuals without sublimits. 5Company-reported. U.S. D&O product-page summary; the actual policy, definitions, exclusions, conditions, insureds, and state forms control. BHSI says its D&O product covers plaintiffs’ attorney fees and costs for shareholder derivative actions and company costs to investigate derivative demands or actions where no demand is made. 5Company-reported. U.S. D&O product-page summary; do not read as all derivative-action costs covered under every issued policy. | TechInsurance says D&O covers legal costs when directors, board members or officers are sued over employment practices, fund mismanagement, failure to follow corporate bylaws, regulatory non-compliance, or IP infringement or libel tied to their decisions, and structures coverage into Side A (personal protection), Side B (company reimbursement) and Side C (entity coverage, mainly for public-company securities claims). 10Company-reported. D&O product page; general policy description, not a specific policy form. TechInsurance says D&O is a claims-made policy, meaning coverage applies only if the policy is active when a claim is made, and that criminal acts by directors or officers, such as fraud or embezzlement, are excluded. 10Company-reported. D&O product page, How does directors and officers insurance work? and exclusions sections. |
| Limits and Retentions | Confirm in your quote. | TechInsurance says D&O policyholders pay a median of $133 per month, with the exact premium depending on policy limits, deductible, legal jurisdiction, industry risk, headcount, revenue, claims history and IPO potential. 10Company-reported. D&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table. |
| Risk Services | BHSI describes full choice of defense counsel for the D&O product. 5Company-reported. Company-reported product feature; applicable policy terms and any state-specific requirements remain controlling. | Confirm in your quote. |
Full Comparison
More Berkshire Hathaway Specialty Insurance vs TechInsurance Comparisons
Other D&O 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 Directors & Officers Liability Insurance. Berkshire Hathaway Specialty Insurance; Product Highlights: government investigations, shareholder derivative actions, late-notice qualification, defense counsel selection; Top Targets: large commercial and financial firms, lines 6–19. Accessed 2026-09-28.
- Executive First Private Company Portfolio. Berkshire Hathaway Specialty Insurance; Product Highlights: D&O, EPL, Fiduciary, Commercial Crime and Employed Lawyers in one comprehensive form; shared or separate limits to $50m; EPL First services. Top Targets: private companies at $10m+ revenues and listed industries, lines 11–25. Portfolio limit is not a separate line limit. Accessed 2026-09-28.
TechInsurance
- About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
- Technology Errors and Omissions – Tech E&O Insurance. TechInsurance; Tech E&O insurance includes two policies; quotation form; Technology professionals we insure. Accessed 2026-09-16.
- Contact Us. TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
- Directors and Officers Insurance (D&O) Quotes Online. TechInsurance; What does directors and officers insurance cover? (employment practices, mismanaged funds, corporate bylaws, regulatory compliance, IP infringement); What does side A, B, and C mean in D&O insurance?; How much does directors and officers insurance cost?; How do you get a certificate of insurance? (standalone or endorsement). Accessed 2026-09-23.
D&O Insurance Guide
- Glossary of Business Insurance Terms. The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
- The Chubb Primary Directors & Officers and Entity Securities Liability Insurance. Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage. Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. Accessed 2026-09-16.
