Berkshire Hathaway Specialty Insurance vs 
TechInsurance: How Do They Compare for Inland Marine Insurance?
Berkshire Hathaway Specialty Insurance lists dedicated commercial marine categories including cargo, warehouse legal liability and installation. TechInsurance describes inland marine as an add-on to a business owner’s or commercial package policy for property in transit or away from the premises. 5,9
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 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. 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. 10,11
Key Differences in Inland Marine Insurance
What the Published Offering Defines
Berkshire Hathaway Specialty Insurance names inland transit, motor-truck cargo, warehouse legal liability, contractor equipment and installation as marine products. TechInsurance frames inland marine as an add-on to a business owner’s policy or commercial package, covering property in transit, off-site storage, customer property in your care and high-value items. A buyer considering TechInsurance should check how the add-on coordinates with the underlying property policy; Berkshire Hathaway Specialty Insurance’s catalog presents the marine classes directly. 5 9
Buying and Policy Details to Resolve
TechInsurance offers an online application to add the coverage and says certificates typically arrive within 24 hours after purchase. Berkshire Hathaway Specialty Insurance’s reviewed material identifies products and target industries but no comparable retail timeline. If a contract requires proof quickly, confirm whether the requested item, location and certificate wording can be issued before relying on either route. The public descriptions do not establish the specific limit, deductible or covered causes for your property. 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 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: 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. | TechInsurance Inland Marine Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | TechInsurance arranges inland marine insurance, also called tools and equipment insurance, as a form of property coverage sold as an add-on to another property policy such as a business owner's policy or commercial package policy, not as a standalone product. 9Company-reported. Inland marine product page. |
| Issuing Insurer | Confirm in your quote. | The reviewed page does not name the issuing insurer for an inland marine policy. 9Not publicly disclosed. Inland marine product page as read on 2026-09-23. |
| 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. | TechInsurance targets inland marine coverage at businesses that ship property, transport high-value equipment, take tools to worksites, or store property off-site, naming construction contractors, photographers, cleaning services and IT professionals as example segments. 9Company-reported. Inland marine product page, Who needs inland marine insurance coverage? section. |
| 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. | TechInsurance says inland marine coverage protects business property in transit or off-site storage, client property temporarily in the business's care (bailee coverage), equipment installed in a fixed but movable location such as a service truck, and high-value items that standard commercial property policies may exclude. 9Company-reported. Inland marine product page; general policy description, not a specific policy form. |
| Limits and Retentions | Confirm in your quote. | TechInsurance says its inland marine customers pay a median of $48 per month, with annual premiums ranging from about $150 to more than $4,500 depending on the value and type of insured property, coverage limits and deductible chosen, location, claims history and industry risk. 9Company-reported. Inland marine product page cost section; a company-reported median and range from TechInsurance's own book of business, not a published rate table. |
| How to Apply | Confirm in your quote. | TechInsurance says you can add inland marine coverage to a business owner's policy or commercial package policy through its online application, and typically get a certificate of insurance within 24 hours after purchase. 9Company-reported. Inland marine product page, How do you purchase inland marine insurance? section. |
Full Comparison
More Berkshire Hathaway Specialty Insurance vs TechInsurance Comparisons
Other Inland Marine 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.
- Marine. Berkshire Hathaway Specialty Insurance; Inland and ocean marine product list, covered property classes and target businesses; lines 18-69. 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.
- Inland Marine Insurance – Compare Quotes. TechInsurance; What is covered under inland marine insurance? (property in transit, client property in care, fixed-but-movable equipment, off-site storage, high-value items); How much does inland marine insurance cost?; What factors impact inland marine insurance rates?; How do you purchase inland marine insurance? 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.
