What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and CFC Representations and Warranties Insurance?
Published capacity and layering
Berkshire Hathaway Specialty Insurance’s 2025 overview reports up to $25 million in portfolio capacity, with premiums and retentions varying by transaction size and risk. CFC says it can underwrite up to $50 million on one transaction and up to $150 million of excess coverage for certain fundamental representations. These are different capacity measures, and the dated BHSI portfolio figure is not a current deal limit; neither published figure guarantees capacity for your transaction. [3] [5]
Product scope around the core policy
CFC describes buyer- and seller-side products, Buyer Protect and Seller Protect for deals under $20 million, and excess coverage; BHSI lists R&W within a wider Transactional Liability portfolio. Ask CFC whether either small-deal product applies and whether an excess layer is relevant; ask BHSI which Transactional Liability product is proposed for the exposure. Compare the policy scopes before treating either route as a match for the same deal risk. [5] [2]
What Should You Confirm in Berkshire Hathaway Specialty Insurance and CFC Representations and Warranties Insurance Quotes?
- Ask CFC whether your deal qualifies for Buyer Protect or Seller Protect and whether the quoted limit is primary or excess. [5]
- Ask BHSI what capacity is available for your transaction and how retention and premium are set. [3]
- Confirm excess attachment points and which fundamental representations qualify for CFC’s excess capacity. [5]