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 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. 7,8,9,10,11
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. 13,14
Key Differences in Cyber Insurance
From insurer quote to bound cover
Berkshire Hathaway Specialty Insurance describes direct response, extortion, third-party breach, and network-interruption exposures in its cyber policy summary. WTW acts as an insurance intermediary and its terms explain that an insurer’s quote alone does not confirm coverage; after a bind order, it seeks a formal commitment such as a binder. A buyer should check policy scope with BHSI and the binding steps with WTW. 5 12 12
Checking the final wording
WTW describes reviewing binders, policies, and endorsements against the terms it negotiated with insurers. Berkshire Hathaway Specialty Insurance identifies standalone Network Security & Privacy and blended E&O/Cyber forms. That makes document reconciliation a specific service distinction: ask WTW how it flags differences in negotiated terms, and ask BHSI which version and endorsements govern the final policy. 12 5
What to Confirm in Cyber Insurance Quotes
- Confirm with WTW what formal insurer commitment is required before coverage begins; ask BHSI to identify the selected form and effective date in the binder. 12 5
- Ask WTW to compare the issued binder and endorsements against negotiated terms, then verify BHSI’s response, extortion, and interruption sublimits in those documents. 12 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 reviewsWTW
Review Score
1 rated source
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.[4][2]
Read WTW reviewsOffering Details
Berkshire Hathaway Specialty Insurance vs WTW: Cyber Insurance: documented features by provider
| Criteria | Professional First Network Security & Privacy | WTW Cyber Insurance Brokerage |
|---|---|---|
| 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. | Under WTW's North American Corporate Risk & Broking terms, WTW normally acts as the client's insurance intermediary for engagements governed by those terms. 12Company-reported. 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. | The reviewed WTW sources do not identify an issuing insurer for a specific cyber placement. 12,11,8Not publicly disclosed. This is a gap in the cited marketing, annual-report, and brokerage materials; it does not mean WTW lacks insurer markets. Confirm the carrier on the quote and issued policy. |
| 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. | Confirm in your quote. |
| 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. | WTW's FY2024 annual report lists cyber insurance among FINEX solutions; its Digital Infrastructure Protector describes cyber protection as one part of a broader data-center solution. 11,8Company-reported. Historical group-level FINEX capability and a separately scoped data-center solution; neither source establishes current standalone cyber terms or eligibility. |
| Limits and Retentions | Confirm in your quote. | The reviewed sources do not state a buyer-specific cyber limit, retention, or deductible. 12,11,8Not publicly disclosed. No limit or deductible is inferred from general marketing or WTW's brokerage role; the insurer's quote and issued forms control. |
| 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. | WTW's North American terms describe reviewing binders, policies, and endorsements against the terms negotiated with the insurer. 12Company-reported. 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. 12Company-reported. 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. |
Full Comparison
More Berkshire Hathaway Specialty Insurance vs WTW Comparisons
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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.
WTW
- Manufacturing. WTW; “How WTW can help manufacturers”; “How we serve our clients”; North America licensed-entity disclaimer. Accessed 2026-09-28.
- 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.
- Marine. WTW; “Our solutions” cargo brokerage; marine specialist count; claims advice and average-adjuster service; North America licensed-entity disclaimer. Accessed 2026-09-28.
- Residential | WTW. 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.
- WTW 2024 Form 10-K. 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.
- Corporate Risk & Broking Brokerage Terms, Conditions & Disclosures (Canada & US). 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.
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.
