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

Nationwide sends professionals and businesses serving others to an agent or quote request, with eligible classes left to underwriting. Berkshire Hathaway Specialty Insurance names staffing, consulting, marketing and real-estate firms specifically.

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

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

How specifically each record defines fit

Berkshire Hathaway Specialty Insurance names staffing firms, management consultants, marketing firms and real-estate firms for Miscellaneous Professional Liability, and separately identifies law-firm size bands. Nationwide describes professional E&O for businesses providing services but says eligible classes depend on underwriting. If your occupation is unusual or regulated, BHSI’s named segments may help you identify a product conversation; Nationwide’s description means you should confirm eligibility with an agent before relying on the broad category. [3] [6]

Quote path and scope

Nationwide directs prospective buyers to contact an agent or request a quote, while BHSI’s Professional First portfolio names products across professional classes. The reviewed claims do not provide matching limits or policy forms. BHSI also describes a combined professional-liability form for architects, engineers and consultants, so ask whether that specialized scope is relevant to your work before comparing it with Nationwide’s general E&O description. [6] [1]

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

  • Confirm your profession and any regulated services are eligible with Nationwide’s underwriter. [6]
  • Ask BHSI which named Professional First product applies to your work. [3]
  • Get both proposed forms, limits, exclusions and retroactive dates before comparing. [6] [3]

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 ↗

Nationwide

  • role: Nationwide describes offering professional errors omissions for the audience stated on the cited product page. professional errors omissions marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • eligibility: Professionals and businesses providing services to others as described by Nationwide; exact eligible classes depend on underwriting. professional errors omissions marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • coverage: The cited product page describes E&O insurance for claims alleging errors or omissions in professional services, as described on Nationwide's product page. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. professional errors omissions marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • application: The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. professional errors omissions marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • limits: The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred.not-disclosedSource ↗

Berkshire Hathaway Specialty Insurance lists target classes for Miscellaneous and Lawyers Professional Liability, while Nationwide directs service businesses to underwriting for class eligibility.

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
    Errors and Omissions Insurance

    Nationwide · E&O page; professional-services liability and coverage overview. · accessed 2026-09-30

  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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