Beazley vs Berkshire Hathaway Specialty Insurance: Representations and Warranties Insurance

Beazley underwrites buyer- and seller-side R&W and advertises limits up to $50 million; Berkshire Hathaway Specialty Insurance lists portfolio capacity up to $25 million, with premiums and retentions varying by deal.

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 Beazley and Berkshire Hathaway Specialty Insurance Representations and Warranties Insurance?

Deal-side structure

Beazley describes buyer-side protection against seller breaches and seller-side defense coverage when a purchaser alleges a breach. Berkshire Hathaway Specialty Insurance lists R&W as a Transactional Liability product and says the coverage can extend protection beyond negotiated caps and survival periods, potentially reducing seller escrow. For a deal team, the first decision is which party will hold the policy and what indemnity structure it supports; the product summaries do not make those terms interchangeable. [1] [3]

Limits and transaction fit

Beazley advertises limits up to $50 million. BHSI’s 2025 overview reports up to $25 million in portfolio capacity, with premiums and retentions varying by transaction size and risk; that historical portfolio figure is not a current R&W quote or a like-for-like transaction limit. Beazley describes broad buyer types and cross-border placements; BHSI’s current page lists sectors including manufacturing, finance, technology, real estate, energy, healthcare and retail. [1] [3] [2]

What Should You Confirm in Beazley and Berkshire Hathaway Specialty Insurance Representations and Warranties Insurance Quotes?

  • Ask each insurer for offered limit, retention, exclusions and transaction-specific premium. [1] [3]
  • Confirm buyer or seller policyholder, covered breaches and survival period. [1] [3]

Areas of coverage

Beazley

  • role: Beazley underwrites representations and warranties (M&A) insurance directly, describing solutions designed to reduce or extinguish the impact of liabilities arising from a merger or acquisition, including warranty breaches, adverse tax consequences and contingent liability claims. US Mergers & Acquisitions product page; scope covers the general insuring concept, not a specific policy form.company-reportedSource ↗
  • eligibility: Beazley says it offers this coverage to private equity clients, selling entrepreneurs, private shareholders, venture capital funds, listed companies and other corporate clients, with a broad appetite across different target sectors, deal types and transaction structures. Product-page target-customer list; individual deal acceptance still depends on underwriting.company-reportedSource ↗
  • eligibility: Beazley says it can underwrite and place M&A insurance, including cross-border deals, in all 50 US states and more than 80 jurisdictions globally. Company-stated geographic reach; not an independently verified regulator record of authorization in every jurisdiction listed.company-reportedSource ↗
  • coverage: Beazley describes coverage that can be provided to a seller to defend against a breach of representations or warranties claimed by a purchaser, or to a purchaser for first-party protection against innocent or fraudulent breaches by a seller. Product-page description of the insuring structure; actual policy wording, retentions and exclusions are set at binding.company-reportedSource ↗
  • coverage: Beyond representation and warranty breaches, Beazley says its M&A offering can also address adverse tax consequences and contingent liability claims arising from a transaction. Product-page "What we offer" summary; each element's availability depends on the specific transaction and underwriting.company-reportedSource ↗
  • limits: Beazley advertises M&A insurance limits of up to US $50,000,000. The page does not publish retentions, minimum limits or premium ranges. Product-page headline limit figure; actual capacity offered depends on the transaction.company-reportedSource ↗
  • services: Beazley says it can underwrite transactions globally and structure coverage around the specific details and timeframes of a transaction. Company-stated service description; no turnaround-time commitment or staffing detail is published.company-reportedSource ↗
  • application: The reviewed page does not list a self-service quote form or application document for M&A insurance; it instead names underwriters and product leaders by region and links to "Speak with an Underwriter" and "Become a Beazley Broker" contact routes. Checked the full product page, including its Tools & Resources equivalent area, on 2026-09-23; no application form was found there, unlike the Crime and Fidelity page.not-foundSource ↗
  • claims: Beazley's own example describes a case where its insured was sued by a third party over intellectual property and lost, the third party then counterclaimed against the acquired target, and Beazley paid the claim and it was settled with the third party, despite some question over whether the claim was fully covered. A single company-selected scenario on the product page; it is not a claims-handling statistic or a guarantee of similar outcomes.company-reportedSource ↗

Berkshire Hathaway Specialty Insurance

  • coverage: BHSI’s current U.S. Transactional Liability page and linked overview name Representations and Warranties Insurance as a product. Direct U.S. product listing; final coverage depends on transaction-specific contract terms.company-reportedSource ↗Source ↗
  • coverage: The U.S. overview describes R&W insurance as adding protection beyond negotiated caps and survival periods and as potentially reducing seller escrow. Company-reported transactional use cases; not a promise of clean exit, outcome or standardized policy response.company-reportedSource ↗
  • limits: The 2025 U.S. Transactional Liability overview states portfolio capacity up to $25 million and says premiums/retentions vary with transaction size and risks. Portfolio-wide underwriting capacity, not a guaranteed R&W limit or quote; document dated 2025-05-16-A.company-reportedSource ↗
  • eligibility: The current page lists manufacturing, financial institutions, technology, real estate, energy, healthcare and retail as transactional-liability target sectors. Portfolio target sectors, not R&W-only acceptability criteria.company-reportedSource ↗

Beazley advertises M&A insurance limits up to $50 million; BHSI’s 2025 overview reports up to $25 million in portfolio-wide Transactional Liability capacity, not an R&W-specific transaction limit.

Sources reviewed

  1. 01
    Mergers & Acquisitions

    Beazley · Product overview: buyer and seller protection for inaccuracies in representations or warranties · accessed 2026-09-16

  2. 02
    Transactional Liability

    Berkshire Hathaway Specialty Insurance · Product Highlights list R&W, tax, contingent-liability and class-action-settlement insurance; Top Targets list manufacturing, financial institutions, technology, real estate, energy, healthcare and retail, lines 6–27. The target list is for the transactional-liability portfolio, not exclusive R&W eligibility. · accessed 2026-09-28

  3. 03
    Transactional Liability Overview

    Berkshire Hathaway Specialty Insurance · PDF pp.1–2: R&W, tax, contingent-liability, and class-action-settlement products; portfolio-wide primary/excess and up-to-$25m capacity; premiums/retentions vary by transaction/risk; portfolio appetite and in-house claims group; R&W buyer-use descriptions; dated 2025-05-16-A. Product-specific limits and final terms not stated. Source version: 2025-05-16-A. · accessed 2026-09-28

  4. 04
    Transaction liability insurance | Representation and indemnities insurance

    CFC · What are representations and warranties?; Who should buy representation and warranty insurance?; Available to buyers & sellers; Limited seller security; Is transaction liability insurance available to sellers · accessed 2026-09-16

  5. 05
    Transactional Risk Insurance

    Coverdash · Transactional risk insurance; representations and warranties coverage; buy-side policies; tax and contingent liability products · accessed 2026-09-16

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