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 Crime Insurance page
What Is USI Insurance Services?
USI suits software and hardware companies from seed stage through IPO seeking consultative broker support; buyers wanting a self-serve quote should compare digital agencies. Insurer commissions are typical and contingent compensation may also apply. 6,7,8
What Is Crime Insurance?
Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. 11,12,13,14,15
Key Differences in Crime Insurance
Form and Insured Crime Scenarios
Berkshire Hathaway Specialty Insurance combines Commercial Crime with D&O, EPL, fiduciary, and employed-lawyer insurance. USI places employee-theft and related-fraud coverage as a standalone option or reviews existing crime within ExecuSafe. For businesses in construction, staffing, janitorial, or similar services, USI also describes claim advocacy and exposure review around those lines. 5 9
Eligibility, Limits, and Service
USI directs business-services inquiries to its local office or listed email contacts; Berkshire Hathaway Specialty Insurance targets private companies with at least $10 million revenue and advertises portfolio limits up to $50 million. The broker’s gap review and BHSI’s combined policy are different starting points. Obtain the proposed insurer, policy wording, and remaining crime limit in either route. 5 9
What to Confirm in Crime Insurance Quotes
- Ask USI which insurer and crime policy it proposes, and what ExecuSafe found about any existing gap.
- Ask Berkshire Hathaway Specialty Insurance how crime shares or separates limits from other Executive First components.
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 reviewsUSI Insurance Services
Review Score
1 rated source
USI’s public feedback is too sparse and office-specific for a firmwide verdict. Check the local team’s responsiveness and experience with your type of business.[4][6][8]
Read USI Insurance Services reviewsOffering Details
Berkshire Hathaway Specialty Insurance vs USI Insurance Services: Crime Insurance: documented features by provider
| Criteria | Commercial Crime in Executive First Private Company Portfolio | USI Crime Insurance Brokerage |
|---|---|---|
| Role in This Line | BHSI describes Executive First Private Company Portfolio as one comprehensive form combining D&O, EPL, fiduciary, Commercial Crime and employed-lawyer insurance. 5Company-reported. Portfolio marketing establishes a listed product structure, not a buyer’s entitlement or standalone availability. | USI brokers crime insurance, which covers losses from employee theft and related fraud, either as a standalone placement or as part of a management liability review under ExecuSafe. 9,10Company-reported. Business Services catalogue and ExecuSafe article. |
| Issuing Insurer | Confirm in your quote. | Neither page names the insurer USI uses for crime placements. 9Not publicly disclosed. Pages as read on 2026-09-23. |
| Who It’s For | BHSI identifies private companies with at least $10 million in revenue among the portfolio’s target accounts. 5Company-reported. Portfolio-level target, not a guarantee that a particular applicant qualifies for the crime component. | USI's Business Services practice, which lists crime coverage, says it targets building and maintenance, repair service, janitorial, staffing and printing companies, citing employee errors and misconduct as one of the risk exposures it addresses for them. 9Company-reported. Company description of client base. |
| Coverage Features | The portfolio page specifically names Commercial Crime as one component of the comprehensive form. 5Company-reported. The page names the line but does not state its insuring agreements, coverage triggers or relationship to fidelity bonds. | USI lists crime among the coverages it places for business-services clients, and its ExecuSafe review checks a client's existing crime coverage as part of a broader management liability review. 9,10Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy. |
| Limits and Retentions | The portfolio page advertises shared or separate limits up to $50 million. 5Company-reported. This is a portfolio-wide figure, not a crime-specific limit; the page does not say how limits would be allocated on a specific policy. | Neither page publishes crime coverage limit or retention figures. 9Not publicly disclosed. Pages as read on 2026-09-23. |
| Risk Services | Confirm in your quote. | USI's Business Services practice says it offers classification and exposure reviews, claim advocacy and risk control across its coverage lines including crime, and its ExecuSafe process specifically checks existing crime coverage for gaps. 9,10Company-reported. Combines the general Business Services service list with the ExecuSafe-specific review step. |
| How to Apply | Confirm in your quote. | USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. 9,10Company-reported. Contact instructions on each page. |
Full Comparison
More Berkshire Hathaway Specialty Insurance vs USI Insurance Services Comparisons
Other Crime 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 Private Company Portfolio. Berkshire Hathaway Specialty Insurance; Product Highlights, lines 11–15: D&O, EPL, fiduciary, Commercial Crime and Employed Lawyers in one comprehensive form; shared or separate limits up to $50 million; EPL First HR resources and attorney helpline. Top Targets, lines 16–25: private companies with at least $10 million revenue and listed industries. Reopened 2026-09-30. Accessed 2026-09-30.
USI Insurance Services
- The Power of ONE. USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
- Technology Insurance. USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
- Commissions and Fees. USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
- Business Services. USI Insurance Services; USI advises clients...and provides solutions for...Crime... Accessed 2026-09-23.
- Protect Your Company and Personal Assets From Management Liability Risks. USI Insurance Services; Review existing management liability policies (if any) to uncover gaps in coverage...(including employment practices liability, fiduciary liability, and crime). Accessed 2026-09-23.
Crime Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
- Crime Non-Financial Applications and Forms. Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
- Crime Terms and Conditions. The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16.
- Commercial Crime Coverage Application. Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. Accessed 2026-09-16.
