AIG vs Berkshire Hathaway Specialty Insurance: General Liability Insurance

Berkshire Hathaway Specialty Insurance markets primary general liability for classes such as construction and energy, with a $50,000 minimum premium per policy; AIG lists the line only inside named programs such as towing operations.

Montgomery Risk Partners prepared this library from Spot.Insure comparison research and underlying public records.Research updated 2026-09-30

What Are the Key Differences Between AIG and Berkshire Hathaway Specialty Insurance General Liability Insurance?

Primary Coverage and Market Fit

Berkshire Hathaway Specialty Insurance describes primary general liability with contractor broad-form coverage, gradual-pollution features and flexible limits. Its appetite guide identifies construction, real estate, retail, finance and energy classes. AIG lists GL only as a component of selected specialty programs and does not publish buyer-specific forms or limits. Contractors should compare the BHSI form and appetite against the operation and ask AIG which named program, if any, fits the same risk. [1] [2]

Program Services and Minimum Premium

BHSI’s casualty appetite guide sets a $50,000 minimum premium per policy. AIG describes program-administrator underwriting, claims and loss-control teams, but gives no universal GL price or service schedule. The minimum premium can rule out smaller placements; buyers should confirm BHSI eligibility and price alongside AIG’s program-specific quote and identify which loss-control resources are included. [1] [3]

What Should You Confirm in AIG and Berkshire Hathaway Specialty Insurance General Liability Insurance Quotes?

  • Does BHSI’s class appetite accept this contractor and what limits and pollution terms are offered? [1] [2]
  • Which AIG program can quote this risk, and what premium and services apply? [1] [3]

Provider coverage details

AIG

  • role: This evidence supports general liability only within the named AIG programs cited here; it does not establish one uniform standalone general liability product across all businesses. Role in this product is limited to the description on the linked AIG source.company-reportedSource ↗
  • eligibility: AIG lists general liability within selected programs for audiences such as community associations, crane and rigging businesses, dental practices, leisure operations, manufactured housing, motorsports, psychoanalysts and towing operations. This is not a universal industry eligibility statement. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability.company-reportedSource ↗
  • coverage: The program directory identifies General Liability as a coverage component in the cited named programs. It does not publish the occurrence definitions, covered operations, limits, exclusions or endorsements for any buyer’s policy. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations.company-reportedSource ↗
  • services: AIG describes underwriting, claims and loss-control teams for its Program Administrators, including program development support and admitted/non-admitted structures. These program services are separate from policy entitlement. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed.company-reportedSource ↗
  • limits: No general liability limit, deductible or retention for a particular program is stated in the directory. Confirm the program-specific quote and issued form. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy.not-disclosedSource ↗

Berkshire Hathaway Specialty Insurance

  • coverage: BHSI markets primary general liability, with contractor broad-form coverage, gradual-pollution features and flexible limits in its product overview. BHSI US specialty commercial primary GL. Material limitation: These are overview features, not universal policy grants; forms and endorsements vary.company-reportedSource ↗
  • eligibility: The casualty guide lists primary GL forms and identifies commercial real estate, retail/grocery, financial institutions, construction and energy as target classes. US casualty appetite guide dated 2026-07-15. Material limitation: Guide includes classes to avoid and $50,000 minimum policy premium; acceptance is underwritten.company-reportedSource ↗
  • limits: BHSI’s casualty appetite guide sets a $50,000 minimum premium per policy and lists primary GL as an eligible line. Selected US casualty accounts under guide dated 2026-07-15. Material limitation: Minimum premium is appetite guidance, not a quoted price or guaranteed minimum for all products.company-reportedSource ↗

BHSI describes primary GL with contractor broad-form and gradual-pollution features and a $50,000 minimum premium; AIG lists selected programs without buyer-specific limits.

Sources and records

  1. 01
    AIG Programs Insurance

    AIG · Official AIG program directory, lines 384–397 (community associations), 409–423 (crane/rigging), 424–437 (dental), 485–498 (leisure), 510–525 (manufactured housing), 526–543 (motorsports), 544–552 (psychoanalysts), and 611–626 (towing): named audiences and GL schedule entries. Program administration and policy caveat at lines 242–284 and 680–680. · accessed 2026-09-30

  2. 02
    Casualty

    Berkshire Hathaway Specialty Insurance · US casualty product lines and features: Primary General Liability lines 10-34; Primary Products/Completed Operations Liability 35-44; Lead Umbrella and Excess Casualty 46-63 · accessed 2026-09-28

  3. 03
    Casualty Appetite Guide - U.S.

    Berkshire Hathaway Specialty Insurance · Casualty appetite PDF page 1: $50K minimum premium, GL/products/lead umbrella/excess lines, selected $10M excess capacity, placement forms and target/avoided classes; guide dated 2026-07-15 · accessed 2026-09-28

  4. 04
    Commercial Insurance Guide

    California Department of Insurance · Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? · accessed 2026-09-16

  5. 05
    Commercial general liability insurance

    Insurance Information Institute · Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance · accessed 2026-09-16

  6. 06
    Commercial General Liability Coverage Form

    ISO; specimen hosted by Hiscox · I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12 · accessed 2026-09-16

Use this comparison as a starting point for a discussion about your business and its insurance needs.

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