Berkshire Hathaway Specialty Insurance vs 
WithCoverage: How Do They Compare for Umbrella and Excess Liability Insurance?
Berkshire Hathaway Specialty Insurance’s U.S. casualty guide lists lead umbrella, follow-form excess, and retained-limit forms with $10 million capacity for selected risks (U.S. casualty appetite guide; not an account quote). WithCoverage says its program-audit FAQ includes umbrella among five policy types it reads and benchmarks against market terms, limits, and premiums. 5,10,11
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 Umbrella and Excess Liability Insurance page
What Is WithCoverage?
WithCoverage suits growing businesses that want a policy audit without first changing brokers, followed by ongoing risk-manager support; firms seeking instant self-service should compare digital agencies. Its review compares coverage, limits and premiums with market benchmarks. 7,8,9
Read the WithCoverage Umbrella and Excess Liability Insurance page
What Is Umbrella and Excess Liability Insurance?
Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. 13,14,15,16,17
What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and WithCoverage Umbrella and Excess Liability Insurance?
Underwriting Appetite and Existing-Program Audit
Berkshire Hathaway Specialty Insurance’s appetite guide describes forms and excess capacity for selected U.S. casualty risks. WithCoverage says umbrella is one of five policy types its program audit reads and benchmarks against market terms, limits, and premiums. The first is an appetite-guide description and the second a review of a client’s existing program. A buyer should distinguish benchmarking from a carrier quote when deciding what next step to take. 5 10
Policy Features and Audit Process
Berkshire Hathaway Specialty Insurance’s casualty overview lists pollution and contractor-form features for its umbrella/excess line. WithCoverage describes umbrella as part of its audit for construction and consumer-brand clients; its audit application says the review is no-cost, generally takes about one business day after documents arrive, and does not require changing brokers. These are different services, so ask for the actual form from any insurer before comparing it with an audit finding. 6 10
What Should You Confirm in Berkshire Hathaway Specialty Insurance and WithCoverage Umbrella and Excess Liability Insurance Quotes?
Berkshire Hathaway Specialty Insurance and WithCoverage 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
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 reviewsWithCoverage Review Score
Review Score
No reviews found
We found no independent rating for WithCoverage, so there is no Review Score. Its only rating is a 4.8 out of 5 from 299 references that the company itself curates.[9][10]
Read WithCoverage reviewsBerkshire Hathaway Specialty Insurance vs WithCoverage Umbrella and Excess Liability Compared
Berkshire Hathaway Specialty Insurance vs WithCoverage: Umbrella and Excess Liability Insurance: documented features by provider
| Criteria | Lead umbrella and excess casualty | WithCoverage Umbrella Program Review (Construction) |
|---|---|---|
| Role in This Line | Confirm in your quote. | WithCoverage is a broker, not an insurer; it lists umbrella coverage as one of the policies it reviews and benchmarks during an insurance-program audit for construction and consumer-brand clients. 10,11,12Company-reported. Construction and consumer industry page FAQs; terms confirm the issuing insurer, not WithCoverage, is responsible for policy obligations. |
| Issuing Insurer | Confirm in your quote. | The reviewed pages do not name which insurer or insurers WithCoverage places umbrella coverage with. 10,11Not found in reviewed sources. Construction and consumer pages as read on 2026-09-23. |
| Who It’s For | BHSI lists manufacturers/distributors, real estate, grocery, financial institutions, construction, energy and trucking as umbrella/excess targets. 6Company-reported. BHSI US lead umbrella/excess casualty targets. Material limitation: Targets remain subject to restrictions and underwriting appetite. | Confirm in your quote. |
| Coverage Features | BHSI markets lead umbrella and excess casualty as an explicit product line and lists pollution/contractor-form features. 6Company-reported. US commercial casualty placements. Material limitation: Marketing overview; the manuscript and broker-specific forms require underwriting. | Umbrella coverage is one of the five policy types WithCoverage's program-audit FAQ says it reads and benchmarks against current market terms, limits and premiums, listed identically across its construction and consumer industry pages. 10,11Company-reported. Program-audit FAQ, repeated identically across WithCoverage's industry pages. |
| Limits and Retentions | The appetite guide lists lead umbrella, follow-form excess and retained-limit forms, with $10 million excess capacity and more for selected risks. 5Company-reported. Select risks in the guide’s US casualty appetite. Material limitation: Capacity is not a quote or universally available layer; “more” is risk-selective. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | WithCoverage offers a no-cost program audit that includes umbrella coverage without requiring a client to leave its current broker, typically completed in about one business day after receiving policy documents. 10,11Company-reported. Construction and consumer page FAQs. |
Related Pages for Berkshire Hathaway Specialty Insurance vs WithCoverage
Umbrella and Excess Liability Pages for Berkshire Hathaway Specialty Insurance and WithCoverage
Other Coverage Lines Compared for Berkshire Hathaway Specialty Insurance vs WithCoverage
Other Umbrella and Excess Liability Insurance Provider Comparisons
Sources for Berkshire Hathaway Specialty Insurance vs WithCoverage
Sources About 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.
- Casualty Appetite Guide - U.S. Berkshire Hathaway Specialty Insurance; Casualty appetite PDF page 1: $50K minimum premium, GL/products/lead umbrella/excess lines, selected $10M excess capacity, placement forms and target/avoided classes; guide dated 2026-07-15. Accessed 2026-09-28.
- Casualty. Berkshire Hathaway Specialty Insurance; US casualty product lines and features: Primary General Liability lines 10-34; Primary Products/Completed Operations Liability 35-44; Lead Umbrella and Excess Casualty 46-63. Accessed 2026-09-28.
Sources About WithCoverage
- Commercial Insurance & Risk Management. WithCoverage; Industry navigation; Your Risk Management Team; AI Analyzes; One Digital Platform tabs and policy-management showcase. Accessed 2026-09-15.
- About WithCoverage. WithCoverage; Opening description of risk management for businesses without an in-house team. Accessed 2026-09-15.
- WithCoverage Raises $42M Series B. WithCoverage; Founders’ letter: WithCoverage fixes this in 3 key ways; complimentary risk assessment. Accessed 2026-09-15.
- Construction Insurance & Risk Management. WithCoverage; Have Questions? program-audit FAQ listing umbrella among reviewed policies. Accessed 2026-09-23.
- Consumer Insurance & Risk Management. WithCoverage; Have Questions? program-audit FAQ listing umbrella among reviewed policies. Accessed 2026-09-23.
- Terms & Conditions. WithCoverage; Section 8 Insurance Products: coverage subject to underwriting, carrier terms and policy documents. Accessed 2026-09-23.
Sources for the Umbrella and Excess Liability Insurance Guide
- Liability Insurance. Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
- Lines of Insurance. California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
- Coverage Hub. Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
- Products. Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. Accessed 2026-09-16.
