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

Service businesses can request an online quote from Insureon, with eligibility settled at application. Berkshire Hathaway Specialty Insurance names staffing, consulting, marketing and real-estate firms as the miscellaneous liability audience.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-10-01

Berkshire Hathaway Specialty Insurance names staffing, management consulting, marketing and real-estate targets for Miscellaneous Professional Liability; Insureon provides an online E&O quote request and says class fit depends on the application.

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

Professional classes and underwriting fit

Berkshire Hathaway Specialty Insurance identifies staffing, management consulting, marketing and real-estate firms for its Miscellaneous Professional Liability portfolio, and separately lists law-firm size bands. Insureon describes a broader service-business audience but says the eligible professions and carrier appetite depend on the application. If you need to know whether your specific professional class fits, BHSI's named segments give you a starting point; an Insureon submission may be useful for exploring a placement, but does not establish acceptance. [3] [6]

Product and quote detail

BHSI’s Professional First catalogue separates specialist professional products and design-industry combined coverage, while Insureon describes client claims over mistakes or unsatisfactory work without publishing policy-specific limits, exclusions or retroactive dates. Ask for the actual form and carrier before comparing the two routes; neither a product catalogue nor a quote request settles those contract details. [1] [6]

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

  • Ask BHSI which Professional First form matches your profession and whether any design-industry extensions apply. [1]
  • Ask Insureon which carrier would issue the policy and confirm its retroactive date, limits and exclusions. [6]
  • Confirm your profession and revenue meet the selected provider’s underwriting appetite. [3] [6]

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 ↗

Insureon

  • role: Insureon markets Professional Liability, also called Errors & Omissions, through its small-business quote channel. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • coverage: The page describes client claims over alleged mistakes or unsatisfactory professional work; it does not establish policy-specific retroactive dates, exclusions or limits. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • eligibility: The page addresses service businesses exposed to client claims; the eligible professions and carrier appetite depend on the application and quote. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • application: The cited Insureon product page provides an online quote request path; that route does not identify the insurer or guarantee that a quote will be offered or bound. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • limits: The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered.not-disclosedSource ↗

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
    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

  5. 05
    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

  6. 06
    Professional Liability Insurance - Get Online Quotes

    Insureon · Product definition L67-L89; quote CTA and target users on page. · accessed 2026-09-29

  7. 07
    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

  8. 08
    Get business insurance

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

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