Berkshire Hathaway Specialty Insurance vs 
Travelers: How Do They Compare for Cyber 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. 1,2,3,4
Read the Berkshire Hathaway Specialty Insurance profile
Read the Berkshire Hathaway Specialty Insurance Cyber Insurance page
What Is Travelers Insurance?
Travelers suits technology companies that want CyberRisk Tech and can work through an independent agent; buyers seeking a direct online technology quote should compare digital providers. Many small accounts can be quoted in agent platforms, while specialty risks need underwriting. 7,8,9
What Is Cyber Insurance?
Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. 11,12
Key Differences in Cyber Insurance
One policy for cyber and technology E&O
Travelers CyberRisk Tech lets technology and life-sciences businesses choose cyber protection, technology E&O, or both within the same policy; its agreements include privacy/security, media, regulatory proceedings, and breach-response costs. Berkshire Hathaway Specialty Insurance offers Network Security & Privacy separately or blended with E&O. A technology buyer should compare how each form coordinates cyber and professional errors when one event could produce both types of claim. 10 10 5
Pre-incident monitoring and breach response
Travelers includes its Cyber Risk Services without an additional charge for covered policyholders: a 24/7 dashboard, threat monitoring, pre-breach consultation, and post-breach coordination with specialists. Berkshire Hathaway Specialty Insurance lists eRiskHub as a resource with its product but does not describe its service scope in the offering record. Compare what each team actually provides before a breach and who coordinates response afterward. 10 5
What to Confirm in Cyber Insurance Quotes
- Ask Travelers whether your proposal includes both cyber and Tech E&O or only one, then compare triggers and shared limits with BHSI’s standalone or blended form. 10 5
- Ask what monitoring, consultation, and breach-coach services are included through Travelers and what eRiskHub access means with a BHSI policy. 10 5
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 reviewsTravelers
Review Score
3 rated sources
Travelers earns 4.5/5 from NerdWallet, but customer feedback is poor: 1.4/5 on Trustpilot and 1.3/5 for homeowners on ConsumerAffairs. Those reviews mostly concern personal insurance.[1][2][4][5][6][7]
Read Travelers reviewsOffering Details
Berkshire Hathaway Specialty Insurance vs Travelers: Cyber Insurance: documented features by provider
| Criteria | Professional First Network Security & Privacy | Travelers CyberRisk Tech |
|---|---|---|
| Role in This Line | BHSI describes both a stand-alone Network Security & Privacy policy and blended E&O/Cyber forms in Professional First. 5,6Company-reported. Form selection depends on the risk and proposal; the overview does not establish issuance for an individual applicant. | Travelers underwrites CyberRisk Tech as a scalable policy for technology and life-sciences companies, letting a business choose cyber protection, technology E&O protection, or both within the same policy. 10Company-reported. Product page "What does cyber insurance coverage for technology companies include?" section. |
| Who It’s For | The Network Security & Privacy page names professional-services firms among its targets; the overview separately lists technology, telecom and financial-sector customers in targeted or selective categories. 5,6Company-reported. The overview’s class lists have different appetite labels; neither is a blanket eligibility rule. | Travelers targets CyberRisk Tech at technology and life-sciences companies, citing their reliance on digital systems and sensitive data, including intellectual property and patient or clinical information. 10Company-reported. Product page introduction. |
| Coverage Features | BHSI markets third-party breach exposures, direct breach-response and extortion expenses, and business interruption from a network-security failure. 5Company-reported. The product page is a coverage summary; conditions, sublimits and exclusions require the policy and endorsements. | Travelers says CyberRisk Tech includes technology errors and omissions, privacy and security, media and regulatory proceedings liability insuring agreements, plus breach response, cybercrime and business loss (first-party) coverages such as forensic investigations, public relations costs, business interruption loss and cyber extortion costs. 10Company-reported. Product page "How does CyberRisk tech coverage mitigate cyber risk?" and "What does cyber insurance coverage for technology companies include?" sections; exact terms and exclusions are set by the issued policy. |
| Limits and Retentions | Confirm in your quote. | The reviewed page does not publish limits, retentions or premiums for CyberRisk Tech; amounts would appear on a quote or declarations. 10Not found in reviewed sources. Product page as read on 2026-09-23. |
| Risk Services | BHSI lists eRiskHub as a resource with its Network Security & Privacy product. 5Company-reported. The product-page listing does not define the resource’s service scope or confirm availability on an individual policy. | Travelers includes Cyber Risk Services at no additional cost for Cyber-coverage policyholders: a 24/7 Cyber Risk Dashboard, continuous threat monitoring, pre-breach consultation, and post-breach support pairing policyholders with Claim specialists and an outside cyber breach coach who connects them to forensics investigators and crisis communications professionals. 10Company-reported. Product page "How can technology companies identify cyber risks earlier?" and "How do Cyber Risk Services support technology and life sciences policyholders?" sections; availability varies by policy eligibility. Travelers says organizations that engaged with its Cyber Risk Dashboard and related services saw cyber claim frequency and severity reduced by nearly 20% compared with policyholders that did not, based on its own claims data. 10Company-reported. Product page footnote on the risk-reduction statistic; this is a company-reported outcome, not independently verified. |
| How to Apply | Confirm in your quote. | CyberRisk Tech is bought through a Travelers independent agent or Travelers representative. 10Company-reported. Product page "Consult your insurance agent about cyber insurance for technology and life sciences" section. |
Full Comparison
More Berkshire Hathaway Specialty Insurance vs Travelers Comparisons
Other Cyber 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.
- Professional First Network Security & Privacy Policy. Berkshire Hathaway Specialty Insurance; Product Highlights, lines 6–19: third-party breach exposures, regulatory investigations, direct response/extortion expense, electronic-content media liability and network-security business interruption; target professional services. Retained canonical source record accessed 2026-09-28; direct re-open failed in this session. Accessed 2026-09-28.
- Professional First Professional Liability Overview. Berkshire Hathaway Specialty Insurance; PDF pp. 1–2: separately named Professional First Media Liability and Network Security & Privacy; targeted customer categories; in-house claims handling; product portfolio descriptions. Version 2026-06-03-A; re-opened 2026-09-30. Accessed 2026-09-30.
Travelers
- Technology Insurance. Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
- Travelers Producer Compensation Disclosure (United States). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
- Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
- Cyber Insurance for Technology and Life Sciences. Travelers; What does cyber insurance coverage for technology companies include?; How does CyberRisk tech coverage mitigate cyber risk?; How can technology companies identify cyber risks earlier?; How do Cyber Risk Services support technology and life sciences policyholders? Accessed 2026-09-23.
Cyber Insurance Guide
- Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
- CyberEdge specimen policy. AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.
