--- title: "Berkshire Hathaway Specialty Insurance vs WTW: Cargo and Transit Insurance" description: "Berkshire Hathaway Specialty Insurance’s current U.S. catalog lists Ocean Cargo and Stock Throughputs; WTW describes its WOLF facility for marine cargo, inland transit and stock throughput." canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-wtw/cargo-transit" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "berkshire-hathaway-specialty-insurance-vs-wtw" provider-a: "berkshire-hathaway-specialty-insurance" provider-b: "wtw" coverage-line: "cargo-transit" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-wtw/cargo-transit) ## Agent Guide **What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and WTW for Cargo and Transit Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Cargo and Transit Insurance questions about Berkshire Hathaway Specialty Insurance versus WTW. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Berkshire Hathaway Specialty Insurance vs WTW for Cargo and Transit Insurance: how do they differ? - Which is better for Cargo and Transit Insurance, Berkshire Hathaway Specialty Insurance or WTW? - What does Berkshire Hathaway Specialty Insurance or WTW publish about Cargo and Transit Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Cargo and Transit Insurance from Berkshire Hathaway Specialty Insurance or WTW? **Key facts:** - Line: Cargo and Transit Insurance. Providers: Berkshire Hathaway Specialty Insurance and WTW. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy. **Related pages:** - [Berkshire Hathaway Specialty Insurance vs WTW](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-wtw) — parent: all coverage lines for this pair - [Cargo and Transit Insurance guide](https://spot.insure/coverage/cargo-transit) — coverage explainer for this line - [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) — provider profile (evidence) - [WTW profile](https://spot.insure/insurance-providers/wtw) — provider profile (evidence) - [Berkshire Hathaway Specialty Insurance vs WTW Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-wtw/commercial-property) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs WTW Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-wtw/crime) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs WTW Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-wtw/cyber) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs WTW Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-wtw/employment-practices) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs WTW Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-wtw/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs WTW Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-wtw/surety-bonds) — sibling comparison (other line, or other pair for this line) - [AIG vs Berkshire Hathaway Specialty Insurance Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/cargo-transit) — sibling comparison (other line, or other pair for this line) - [AIG vs WTW Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-wtw/cargo-transit) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/cargo-transit) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs WTW Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-wtw/cargo-transit) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Berkshire Hathaway Specialty Insurance Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/cargo-transit) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs WTW Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-wtw/cargo-transit) — sibling comparison (other line, or other pair for this line) # Berkshire Hathaway Specialty Insurance vs WTW: How Do They Compare for Cargo and Transit Insurance? Berkshire Hathaway Specialty Insurance’s current U.S. catalog lists Ocean Cargo and Stock Throughputs; WTW describes its WOLF facility for marine cargo, inland transit and stock throughput. ## How to Use the Berkshire Hathaway Specialty Insurance vs WTW Cargo and Transit Insurance Comparison Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and WTW for Cargo and Transit Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Berkshire Hathaway Specialty Insurance vs WTW Cargo and Transit Insurance Summary Berkshire Hathaway Specialty Insurance lists Ocean Cargo and Stock Throughputs in its U.S. Marine catalog. WTW’s U.S. WOLF Cargo Panel describes Marine Cargo, Inland Transit and Stock Throughput placements through participating markets. [5](https://www.bhspecialty.com/us-products/us-marine/ "Marine") [9](https://www.wtwco.com/en-us/solutions/marine "Marine") [13](https://www.wtwco.com/-/media/wtw/solutions/services/wolf-cargo-panel.pdf?modified=20250804132227 "WOLF Cargo Panel") [8](https://www.wtwco.com/en-us/solutions/products/digital-infrastructure-protector "Digital Infrastructure Protector") ## 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](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [2](https://www.bhspecialty.com/about-us/ "About Us") [3](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") [4](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/ "Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch") [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) ## What Is WTW? WTW is an insurance broker whose documented services include manufacturing risk-program design and specialist property and cargo programs. Its marketed property scope includes residential real-estate stakeholders and a separate integrated data-center program; other named capabilities vary in date and geography. [7](https://www.wtwco.com/en-us/industries/manufacturing "Manufacturing") [8](https://www.wtwco.com/en-us/solutions/products/digital-infrastructure-protector "Digital Infrastructure Protector") [9](https://www.wtwco.com/en-us/solutions/marine "Marine") [10](https://www.wtwco.com/en-us/industries/residential "Residential | WTW") [11](https://www.sec.gov/Archives/edgar/data/1140536/000095017025026278/wtw-20241231.htm "WTW 2024 Form 10-K") [WTW profile](https://spot.insure/insurance-providers/wtw) ## What Is Cargo and Transit Insurance? Cargo coverage fits a shipper protecting goods it owns or a carrier responsible for another party’s goods. The quote needs to match who bears the loss, the shipment route and storage stops. [14](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [15](https://www.trade.gov/shipping-options "Shipping Options") [16](https://www.trade.gov/special-documents "Special Documents") [17](https://www.nationalunity.com/National/MotorTruckCargoLiability.pdf "Motor Truck Cargo Legal Liability Coverage") ## What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and WTW Cargo and Transit Insurance? ### Product scope and markets WTW’s U.S. WOLF Cargo Panel describes Marine Cargo, Inland Transit and Stock Throughput placements and names participating markets, without assigning an insurer to an individual buyer. BHSI’s current U.S. catalog lists Ocean Cargo and Stock Throughputs; its 2022 overview also describes logistics and contingent cargo options, not necessarily combined or available for every insured. Ask WTW which panel markets will consider the stated goods and routes, and request BHSI’s current form and territory. [13](https://www.wtwco.com/-/media/wtw/solutions/services/wolf-cargo-panel.pdf?modified=20250804132227 "WOLF Cargo Panel") [5](https://www.bhspecialty.com/us-products/us-marine/ "Marine") [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview") ### Broker role and binding WTW’s North American terms describe it as the intermediary for engagements governed by those terms; its WOLF brochure describes a quote, bind and issue process. BHSI’s cargo guide describes primary or excess positions, while the current catalog does not identify the issuer for a buyer’s policy. Confirm WTW’s role on this engagement and compare its proposed insurer, binder and BHSI’s quoted share. [12](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)") [13](https://www.wtwco.com/-/media/wtw/solutions/services/wolf-cargo-panel.pdf?modified=20250804132227 "WOLF Cargo Panel") [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview") ### Document review and dated capacity WTW’s North American terms describe review of binders, policies and endorsements against negotiated terms, when those terms govern the engagement. Its WOLF brochure’s premium ceiling is not a policy limit. BHSI’s 2022 guide states up to $25 million maximum line subject to risk; current availability is unconfirmed. Compare the WTW panel’s actual quoted terms with a current BHSI indication, not the historical figure alone. [12](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)") [13](https://www.wtwco.com/-/media/wtw/solutions/services/wolf-cargo-panel.pdf?modified=20250804132227 "WOLF Cargo Panel") [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview") ## What Should You Confirm in Berkshire Hathaway Specialty Insurance and WTW Cargo and Transit Insurance Quotes? - Which WOLF participating market is proposed as issuer, and what insurer commitment appears in the binder? [13](https://www.wtwco.com/-/media/wtw/solutions/services/wolf-cargo-panel.pdf?modified=20250804132227 "WOLF Cargo Panel") [12](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)") - Does BHSI currently consider the goods, territory and shipment pattern, and what line is quoted? [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview") - Will WTW review the binder and issued wording against negotiated terms for this engagement? [12](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)") ## Berkshire Hathaway Specialty Insurance vs WTW Cargo and Transit Compared | Criteria | BHSI’s current Ocean Marine catalog lists Ocean Cargo, Stock Throughputs and Project Cargo, separately from Inland Marine; the detailed cargo appetite evidence is an older, date-limited guide. | WTW Marine Cargo and Inland Transit Brokerage | | --- | --- | --- | | Role in This Line | Confirm in your quote. | Under WTW's North American Corporate Risk & Broking terms, WTW normally acts as the client's insurance intermediary for engagements governed by those terms. [12](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)") (Evidence: Company-reported; scope: Terms for applicable North American Corporate Risk & Broking engagements. WTW also discloses separate insurer-side services in some arrangements; this does not determine the role in a specific engagement..) | | Issuing Insurer | Confirm in your quote. | WTW's WOLF Cargo Panel brochure names participating insurance markets for the facility; it does not identify which market or markets would issue a particular buyer's policy. [13](https://www.wtwco.com/-/media/wtw/solutions/services/wolf-cargo-panel.pdf?modified=20250804132227 "WOLF Cargo Panel") (Evidence: Company-reported; scope: WTW U.S. WOLF Cargo Panel only. Participating panel markets do not establish the insurer or capacity selected for an individual quote..) | | Who It’s For | The marine catalog names importers/exporters, freight/logistics operators and manufacturers among its target customers. [5](https://www.bhspecialty.com/us-products/us-marine/ "Marine") (Evidence: Company-reported; scope: BHSI U.S. Ocean Marine target-account list only; not Inland Marine eligibility. Material limitation: Target customer examples do not define every acceptable cargo or shipment..)

The Ocean Marine Cargo guide describes target risks including manufacturers/distributors of finished goods, machinery and equipment, food and beverage, bulk liquids, containerized goods, and stock with balanced exposure; it lists pharmaceuticals, project cargo, autos, DOL, and livestock as out of appetite. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview") (Evidence: Company-reported; scope: BHSI Ocean Marine Cargo/STP appetite in U.S. marketing material marked US-12/22-A. Material limitation: This is historical appetite guidance, not a policy exclusion list or current acceptance commitment. The current BHSI Marine catalog separately lists Project Cargo as an Ocean Marine product while this 2022 guide lists it out of appetite; current product-specific meaning and appetite must be reconciled with underwriting. It does not establish Inland Marine eligibility..) | Confirm in your quote. | | Coverage Features | BHSI's marine program lists ocean cargo, project cargo and stock-throughput coverage. [5](https://www.bhspecialty.com/us-products/us-marine/ "Marine") (Evidence: Company-reported; scope: BHSI U.S. Ocean Marine catalog; not inland transit or proof of the policy territory. Material limitation: Policy territory and transit definitions must be checked; catalog does not itself establish global scope..)

BHSI’s marine catalog distinguishes ocean marine and inland marine, and separately lists stock-throughput as an option. [5](https://www.bhspecialty.com/us-products/us-marine/ "Marine") (Evidence: Company-reported; scope: US BHSI catalog. Material limitation: Confirm how Spot's shared cargo-transit key maps to these distinctions before coding coverage..)

BHSI’s Ocean Marine Cargo overview lists stock throughput, ocean/international transit, domestic transit, excess stock, logistics, and contingent cargo coverage as coverage types available. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview") (Evidence: Company-reported; scope: BHSI U.S. Ocean Marine Cargo marketing overview marked US-12/22-A; the current marine catalog independently lists Ocean Cargo and Stock Throughputs under Ocean Marine. Material limitation: Not all types are necessarily combined or available for every insured. Domestic transit wording is not a basis to merge this line with the separately listed Inland Marine catalog. Verify current forms, exclusions, territory and issuer..) | WTW's U.S. WOLF Cargo Panel describes Marine Cargo, Inland Transit and Stock Throughput placements, while its Digital Infrastructure Protector includes marine and cargo risks in a separate data-center solution. [9](https://www.wtwco.com/en-us/solutions/marine "Marine") [13](https://www.wtwco.com/-/media/wtw/solutions/services/wolf-cargo-panel.pdf?modified=20250804132227 "WOLF Cargo Panel") [8](https://www.wtwco.com/en-us/solutions/products/digital-infrastructure-protector "Digital Infrastructure Protector") (Evidence: Company-reported; scope: These are company-described brokerage/facility offerings; the brochure's participating markets do not identify the insurer for an individual placement, and the data-center solution is separately scoped. The brochure's premium threshold is not a policy limit..) | | Limits and Retentions | The BHSI Ocean Marine Cargo guide states up to $25 million maximum line, subject to risk profile, a $15,000 minimum premium, worldwide coverage, and primary or excess positions. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf "Ocean Marine Cargo Overview") (Evidence: Company-reported; scope: U.S. Ocean Marine Cargo/STP marketing guide marked US-12/22-A; $25 million capacity expressly depends on risk profile. Material limitation: The document is dated 2022-12 and says multinational policy ability would follow in 2025; do not treat its worldwide wording or current availability as confirmed. Capacity is not an insured limit, and minimum premium is not a quote. Reconfirm current appetite and issuer..) | The reviewed sources do not state a buyer-specific cargo transit limit, retention, or deductible. [12](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)") [11](https://www.sec.gov/Archives/edgar/data/1140536/000095017025026278/wtw-20241231.htm "WTW 2024 Form 10-K") [9](https://www.wtwco.com/en-us/solutions/marine "Marine") [13](https://www.wtwco.com/-/media/wtw/solutions/services/wolf-cargo-panel.pdf?modified=20250804132227 "WOLF Cargo Panel") (Evidence: Not publicly disclosed; scope: No limit or deductible is inferred from general marketing or WTW's brokerage role; the insurer's quote and issued forms control..) | | Risk Services | Confirm in your quote. | WTW's North American terms describe reviewing binders, policies, and endorsements against the terms negotiated with the insurer. [12](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)") (Evidence: Company-reported; scope: Broker document-review process under the cited terms, when WTW handles this line's placement. It does not certify that a policy covers a claim or replace the issued wording..) | | How to Apply | Confirm in your quote. | WTW's North American terms say an insurer quote is not confirmation of coverage; if the client orders binding, WTW seeks a formal insurer commitment, typically a binder. [12](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf "Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)") (Evidence: Company-reported; scope: Applies to placements governed by the cited North American Corporate Risk & Broking terms. It does not establish a self-service quote route or promise coverage availability for this line..) | ## Related Pages for Berkshire Hathaway Specialty Insurance vs WTW - [Berkshire Hathaway Specialty Insurance vs WTW](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-wtw): all coverage lines, business roles, service and claims. - [What Is Cargo and Transit Insurance?](https://spot.insure/coverage/cargo-transit): Cargo coverage protects your financial interest in goods during transit; ownership, route, storage and late-delivery terms shape what the policy addresses. - [Berkshire Hathaway Specialty Insurance vs WTW Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-wtw/commercial-property) - [Berkshire Hathaway Specialty Insurance vs WTW Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-wtw/crime) - [Berkshire Hathaway Specialty Insurance vs WTW Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-wtw/cyber) - [Berkshire Hathaway Specialty Insurance vs WTW Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-wtw/employment-practices) - [Berkshire Hathaway Specialty Insurance vs WTW Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-wtw/professional-errors-omissions) - [Berkshire Hathaway Specialty Insurance vs WTW Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-wtw/surety-bonds) - [AIG vs Berkshire Hathaway Specialty Insurance Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/cargo-transit) - [AIG vs WTW Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-wtw/cargo-transit) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/cargo-transit) - [Alliance Risk vs WTW Cargo and Transit Insurance](https://spot.insure/compare/alliance-risk-vs-wtw/cargo-transit) - [Amelia Risk vs Berkshire Hathaway Specialty Insurance Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/cargo-transit) - [Amelia Risk vs WTW Cargo and Transit Insurance](https://spot.insure/compare/amelia-risk-vs-wtw/cargo-transit) ## Sources for Berkshire Hathaway Specialty Insurance vs WTW ### Sources About Berkshire Hathaway Specialty Insurance 1. [At A Glance](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf). 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. 2. [About Us](https://www.bhspecialty.com/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. 3. [Terms of Service](https://www.bhspecialty.com/terms-conditions/). 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. 4. [Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch](https://www.bhspecialty.com/asia/singapore-products/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. 5. [Marine](https://www.bhspecialty.com/us-products/us-marine/). Berkshire Hathaway Specialty Insurance; Inland and ocean marine product list, covered property classes and target businesses; lines 18-69. Accessed 2026-09-28. 6. [Ocean Marine Cargo Overview](https://www.bhspecialty.com/wp-content/uploads/marketing/Ocean-Marine-Cargo-Overview-US.pdf). Berkshire Hathaway Specialty Insurance; Two-page U.S. marketing PDF marked US-12/22-A; product types lines 14-20; ocean marine cargo appetite, capacity and placement lines 43-57; out-of-appetite and target risk characteristics lines 58-72; terms disclaimer lines 103-114. Accessed 2026-09-28. ### Sources About WTW 7. [Manufacturing](https://www.wtwco.com/en-us/industries/manufacturing). WTW; “How WTW can help manufacturers”; “How we serve our clients”; North America licensed-entity disclaimer. Accessed 2026-09-28. 8. [Digital Infrastructure Protector](https://www.wtwco.com/en-us/solutions/products/digital-infrastructure-protector). WTW; Integrated policy coverage for building, operational property, marine and cargo under one policy; integrated data-center construction/operations; cyber and liability protection in broader solution; separate-policy preference caveat; capacity and North America licensed-entity disclaimer. Accessed 2026-09-29. 9. [Marine](https://www.wtwco.com/en-us/solutions/marine). WTW; “Our solutions” cargo brokerage; marine specialist count; claims advice and average-adjuster service; North America licensed-entity disclaimer. Accessed 2026-09-28. 10. [Residential | WTW](https://www.wtwco.com/en-us/industries/residential). WTW; “Specialized insurance products”: lists property insurance and financial lines, including errors and omissions; inspected official indexed text 2026-09-29. Direct reader access failed; indexed page crawl was about five months old.. Accessed 2026-09-29. 11. [WTW 2024 Form 10-K](https://www.sec.gov/Archives/edgar/data/1140536/000095017025026278/wtw-20241231.htm). U.S. Securities and Exchange Commission / Willis Towers Watson Public Limited Company; Part I, Item 1, FINEX and Surety business descriptions: the 2024 annual report identifies management and professional liability, employment practices, crime, cyber and M&A insurance solutions, and a global bond-placement team; indexed passages rechecked 2026-09-29.. Accessed 2026-09-29. 12. [Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US)](https://www.wtwco.com/-/media/WTW/notices/BTCD-CRB-NA-June-2025.pdf). WTW; Document dated 2025-06-01; pp. 4–6: broker/intermediary role, quote versus binding process, review of binders/policies/endorsements, claims reporting and affiliate disclosures. Reused from the current WTW provider source record after direct PDF retrieval was blocked.. Accessed 2026-09-28. 13. [WOLF Cargo Panel](https://www.wtwco.com/-/media/wtw/solutions/services/wolf-cargo-panel.pdf?modified=20250804132227). WTW; WTW U.S. client Marine Cargo, Inland Transit and Stock Throughput facility; brochure states participating market panel, eligibility exclusions, cargo liability options, and quote/bind/issue process. The premium ceiling described is not a policy limit.. Accessed 2026-09-30. ### Sources for the Cargo and Transit Insurance Guide 14. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16. 15. [Shipping Options](https://www.trade.gov/shipping-options). International Trade Administration, U.S. Department of Commerce; Export Shipping Basics; Tips on International Shipping from U.S.; Working with Freight Forwarders. Accessed 2026-09-16. 16. [Special Documents](https://www.trade.gov/special-documents). International Trade Administration, U.S. Department of Commerce; Insurance Certificate bullet. Accessed 2026-09-16. 17. [Motor Truck Cargo Legal Liability Coverage](https://www.nationalunity.com/National/MotorTruckCargoLiability.pdf). American Association of Insurance Services, Inc.; hosted by National Unity; Coverage and Property Covered pp.1–2; Perils Excluded pp.6–7; Valuation p.8; How Much We Pay p.9; Transit definition p.13. Accessed 2026-09-16. Updated 2026-10-01. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Berkshire Hathaway Specialty Insurance Review Scores for 2026 Review Score: not enough ratings. 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. - Trustpilot: TrustScore 2.1 (out of 5); 9 reviews. Trustpilot profile for bhspecialty.com, accessed 2026-09-29. Its small review set mixes travel-policy and other customer accounts; it is user-generated and unverified, and does not establish commercial-policy outcomes or representativeness. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance Reviews](https://www.trustpilot.com/review/bhspecialty.com) - BBB: Customer review average 1 (out of 5 stars); 6 reviews. BBB page for BHSI headquarters and corporate-owned locations, accessed 2026-09-29. The page’s six customer reviews mix travel and commercial narratives; BBB says third-party information is not verified. BBB’s business letter grade is separate from these customer reviews. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance — BBB Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/berkshire-hathaway-specialty-insurance-0021-439678/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/reviews). ## WTW Review Scores for 2026 Review Score: 8.1 / 10 from 1 rated source, equally weighted. WTW has little useful review evidence for a business buyer. Its one counted score is 807 out of 1,000 from a 2017 J.D. Power study of large commercial brokers, and Trustpilot's 2.1 from 9 reviews isn't counted. - BBB: Complaints 4. BBB's Willis Towers Watson Chicago business profile; four complaints displayed for the preceding three years as of 2026-09-29. All four are marked unpursuable; displayed matters concern pension or employee-benefit administration, not commercial insurance brokerage placements. Period: Last three years; 0 closed in the last 12 months; BBB page reviewed 2026-09-29. Checked 2026-09-29. [Willis Towers Watson: Complaints](https://www.bbb.org/us/il/chicago/profile/insurance-companies/willis-towers-watson-0654-8000152/complaints) - J.D. Power: 2017 Overall Broker Customer Satisfaction Index 807 (out of 1000). US/Canada large-commercial broker customer-satisfaction studies, 2016 and 2017 editions. They do not describe present service or WTW small-business clients. The 2017 release reports 2,506 evaluations across the study, not a WTW-specific sample. Period: 2017 study; 2 Power Circles; 2,506 study-wide evaluations, WTW-specific count not stated. Checked 2026-09-29. [2016 Large Commercial Insurance Study](https://www.jdpower.com/system/files/legacy/assets/2016244_large_comm_insurance_.pdf); [2017 Large Commercial Insurance Study](https://www.jdpower.com/system/files/legacy/assets/2017222_large_commercial_insurance.pdf); [2016 Large Commercial Insurance Study](https://www.jdpower.com/business/press-releases/2016-large-commercial-insurance-study); [Diversity of Offerings Becomes Key Differentiator for Large Commercial Insurers, J.D. Power Finds](https://www.jdpower.com/business/press-releases/jd-power-2017-large-commercial-insurance-study) - Trustpilot: TrustScore 2.1 (out of 5); 9 reviews. Global wtwco.com company page; nine reviews and a 2.1/5 TrustScore on 2026-09-29. Visible reviews predominantly concern pensions, employee benefits, investments or international consumer interactions; not a US commercial-insurance buyer sample. Period: Displayed 2026-09-29. Checked 2026-09-29. [wtwco.com Reviews](https://www.trustpilot.com/review/www.wtwco.com) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/wtw/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-wtw/cargo-transit.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)