The product facts behind the view.
- BHSI’s US property offering includes All Risk, single-peril earthquake/flood/wind, builders risk, inland marine and other specialist property products. [1]
- Its February 2026 US property guide describes primary and excess layers and a $100,000 minimum premium for BHSI’s share. [2]
- The July 2026 US casualty guide lists GL, products liability, lead umbrella and excess, with a $50,000 minimum premium per policy. [3]
- Its transactional offering includes representations and warranties, tax, contingent liability and class-action settlement insurance. [4]
Questions to resolve before binding.
Use these illustrative scenarios to review a proposal. They are questions to ask, not statements that a loss is covered.
An apartment account needs property and liability
Is BHSI being considered only for a qualifying property layer, and which separate market will address casualty?
A buyer identifies a specific tax uncertainty
Does the request belong in tax insurance rather than representations-and-warranties coverage, and what analysis supports it?
A large property schedule needs a follow layer
What exact participation, perils and attachment are being requested, and how do they align with lead terms?
A better submission starts here.
Hedge’s preparation guidance for this placement:
- Identify the specific US product, account size and proposed share or layer rather than seeking an undifferentiated group quote.
- For property or casualty, provide detailed values or revenue, locations, operations, requested terms, loss information and underlying coverage.
- For transactional liability, identify the transaction, known risk, diligence completed, contractual allocation and timing.
Include the named insured, locations, requested lines and limits, effective date, existing applications and available loss information. Start with what you have; we can identify what is missing.
Legal entities and underwriting.
The market name, licensed producer and insurance company can be different entities. These are the names and roles identified in the cited disclosures.
National Indemnity Company [5]
Insurance company identified in BHSI’s National Indemnity group terms
BHSI states that it underwrites on National Indemnity group paper. The terms identify National Indemnity Company but do not make it the insurer for every BHSI product. Confirm the precise company on the quotation. [5]
The listed appetite guides describe selected US products and are not a complete census of BHSI companies or lines. [2]
Registration and license details identify an entity and its role. They do not by themselves establish that a particular product, state, limit or account is eligible.
The practical questions.
How do I get a quote with Berkshire Hathaway Specialty Insurance?
Choose “Get a quote with Berkshire Hathaway Specialty Insurance” and tell us about your client. Hedge carries your market selection into the submission, helps complete the account and works on the available terms. You can review the proposal before making a coverage decision.
Does this profile confirm my account is eligible?
The published specialties are a starting point. State, business activity, loss history, requested coverage, limits and effective date can change eligibility. The sources used here do not provide a complete state-by-product matrix. The actual proposal and policy forms determine coverage.
Is this an independent rating of Berkshire Hathaway Specialty Insurance?
No. Hedge is an insurance intermediary and has a commercial interest in helping agents place business. Our commentary explains the placement questions we draw from the cited material. It does not report a customer satisfaction score, firsthand claims experience or an endorsement by Berkshire Hathaway Specialty Insurance.
Read what we read.
Product facts were checked against the official material below on November 1, 2026. Our commentary is identified as Hedge’s analysis. Market websites and underwriting terms can change.
- BHSI US property products ↗Checked November 1, 2026
- BHSI US General Property Appetite Guide ↗Checked November 1, 2026 · Source date February 10, 2026
- BHSI US Casualty Appetite Guide ↗Checked November 1, 2026 · Source date July 15, 2026
- BHSI transactional liability overview ↗Checked November 1, 2026 · Source date March 8, 2025
- BHSI website terms and National Indemnity group information ↗Checked November 1, 2026
Published by Hedge Specialty. Send a correction if a product or program has changed.
What stands out, and why it matters.
Property size and participation should be screened early.
BHSI’s February 2026 US property guide lists a $100,000 minimum premium for its share and primary or excess structures. [2]
Compare that starting point with the size of the proposed participation before preparing a full submission. A large schedule does not imply that one carrier must insure every layer; specify the perils, attachment and percentage being sought.
The same occupancy can receive a different answer across lines.
BHSI’s July 2026 US casualty guide lists habitational among its avoided classes. [3] [2]
That does not decide the property answer: the separate property guide describes a qualifying excess-only habitational role. Ask the specific product question. A possible property participation should not be presented as evidence of casualty appetite for the same insured.
Transactional coverage follows a defined deal risk.
BHSI’s transactional overview separates representations and warranties, tax, contingent liability and class-action settlement products. [4]
Identify what uncertainty is being transferred and how the agreement allocates it. A known tax issue and an unknown breach of a seller’s representation need different underwriting and should not be merged into a generic transaction-insurance request.