Berkshire Hathaway Specialty Insurance vs CNA: Professional Liability / E&O Insurance

CNA offers Epack 3 and EPS Plus policies pairing E&O with cyber and media, and targets consultants and staffing firms with miscellaneous professional liability, while Berkshire Hathaway Specialty Insurance lists lawyers professional liability in its Professional First overview.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-30

What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and CNA Professional Liability (E&O) Insurance?

What the Published Offering Defines

Berkshire Hathaway Specialty Insurance’s Professional First portfolio identifies Miscellaneous Professional Liability, Technology E&O, Lawyers Professional Liability and Media Liability. CNA describes two structures: modular Epack 3 with technology and professional liability plus cyber and media, and EPS Plus combining E&O and cyber for professional-services firms. A buyer can compare CNA’s bundled choices against Berkshire Hathaway Specialty Insurance’s named professional line and ask whether media or cyber protection is needed alongside core E&O. [3] [4]

Buying and Policy Details to Resolve

CNA says its MPL targets non-licensed professionals such as consultants, staffing firms, advertising agencies and event planners; its Technology E&O is intended to support contractual requirements. Berkshire Hathaway Specialty Insurance lists staffing, management consulting, marketing and real-estate targets for MPL and separately names technology E&O. These class lists overlap but do not establish identical appetite. Provide your contracts and service descriptions and request each form’s definition, limits, defense terms and claims contact. [4] [3]

What Should You Confirm in Berkshire Hathaway Specialty Insurance and CNA Professional Liability (E&O) Insurance Quotes?

  • Which CNA structure and limit meet your contract’s professional-liability requirements? [3] [4]
  • Does Berkshire Hathaway Specialty Insurance classify your services as MPL or Technology E&O, and what form applies? [3] [4]

Areas of coverage

Berkshire Hathaway Specialty Insurance

  • coverage: BHSI’s U.S. Professional First overview identifies Lawyers Professional Liability and Miscellaneous Professional Liability alongside Technology E&O and Media Liability. Portfolio catalogue statement; the specific legal/professional class and form must be selected rather than treating the offerings as one policy.company-reportedSource ↗Source ↗
  • eligibility: The overview names staffing firms, management consultants, marketing firms and real-estate firms as targeted customers for Miscellaneous Professional Liability; it separately lists law-firm size bands for Lawyers Professional Liability. U.S. Professional First target statements; class-specific eligibility only.company-reportedSource ↗
  • coverage: For architects, engineers and consultants, BHSI describes a professional-liability form that also addresses pollution, media, technology and cyber/network-security exposures. This is a specialized design-industry combined form, not generic E&O wording or proof that all risks receive each component.company-reportedSource ↗
  • services: The Professional First overview describes its in-house claims handling group as experienced in complex, high-value claims and integrated with underwriting. Company-reported portfolio-level claim-service description, not independently measured claims performance.company-reportedSource ↗

CNA

  • role: CNA describes Epack 3 as combining technology and professional liability with cyber and media in a modular policy; EPS Plus combines E&O and cyber for professional-services firms. These are separate product routes and are not evidence that technology E&O and miscellaneous E&O share identical wording.company-reportedSource ↗Source ↗
  • eligibility: CNA says its Miscellaneous Professional Liability targets non-licensed professional classes such as consultants, staffing firms, advertising agencies and event planners. The listed classes are a target list, not a complete or guaranteed eligibility rule.company-reportedSource ↗
  • coverage: CNA markets Technology E&O for technology businesses facing professional-liability exposures and says it is intended to support contractual requirements. The page is a summary and does not define covered services, contract exceptions or policy triggers.company-reportedSource ↗
  • services: CNA describes dedicated claims and risk-control support for its cyber, media, technology and professional-liability business. This portfolio-level statement does not establish a service outcome or a line-specific claims protocol.company-reportedSource ↗

Berkshire Hathaway Specialty Insurance lists MPL, technology E&O and lawyers liability. CNA describes Epack 3 for technology, professional, media and cyber coverage and EPS Plus for professional E&O with cyber.

Sources reviewed

  1. 01
    Professional First Architects, Engineers and Consultants Professional Liability

    Berkshire Hathaway Specialty Insurance · Product Highlights: professional/pollution liability; media, technology and cyber/network security/privacy liability; direct breach/extortion expenses; risk services; primary/excess and project-specific product availability; target professions, lines 6–29. Its combined-form technology feature is not itself a standalone Tech E&O statement. · accessed 2026-09-28

  2. 02
    Professional First Professional Liability

    Berkshire Hathaway Specialty Insurance · U.S. Professional Liability landing page links Professional Liability / Network Security & Privacy, stand-alone Network Security & Privacy, and Architects, Engineers and Consultants PL, lines 6–15; footer copyright © 2026. · accessed 2026-09-28

  3. 03
    Professional First Professional Liability Overview

    Berkshire Hathaway Specialty Insurance · PDF pp.1–2: claims group and reporting; primary blended E&O/Cyber and stand-alone Cyber forms; line capacity statement; named Lawyers PL, Technology E&O, Miscellaneous PL, Media Liability, Network Security & Privacy; named technology-services target types and selection categories; dated 2026-06-03-A. Group capacity not a line policy limit. Source version: 2026-06-03-A. · accessed 2026-09-28

  4. 04
    Cyber Insurance - Cyber Risk Solutions

    CNA · Current U.S. page: Epack 3 combines cyber, media, technology and professional liability; MPL appetite, media support, technology E&O, claims and risk-control descriptions. Retrieved 2026-09-30. · accessed 2026-09-30

  5. 05
    Epack 3 – Cyber, Media, Technology & Professional Liability

    CNA · Official sell sheet: modular bundled policy, media coverages and possible extensions, technology/professional line descriptions and quote process for small risks. Marketing summary expressly defers to issued policy. Retrieved 2026-09-30. · accessed 2026-09-30

  6. 06
    Professional Liability – US Direct Errors and Omissions Insurance

    Hiscox Inc. specimen · About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act · accessed 2026-09-16

  7. 07
    Professional liability insurance

    Insurance Information Institute · Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion) · accessed 2026-09-16

  8. 08
    FAQ: Professional liability insurance

    Texas Department of Insurance · What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies · accessed 2026-09-16

  9. 09
    Get business insurance

    U.S. Small Business Administration · Six common types of business insurance table · accessed 2026-09-16

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