Amelia Risk vs Berkshire Hathaway Specialty Insurance: General Liability Insurance

Berkshire Hathaway Specialty Insurance sets a $50,000 minimum premium per policy on primary general liability for construction, energy, retail and commercial real estate classes; Amelia Risk is a brokerage that approaches multiple insurers for you.

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

Provider coverage details

Amelia Risk

  • role: Amelia Risk is a brokerage that places general liability coverage with insurance companies on a client's behalf; it does not underwrite the policy itself. General Liability page describes what the coverage includes and when to buy it, written in the firm's advisory voice; the Specialties page describes the four-step placement process the firm applies across the lines it arranges. Neither page names the issuing insurer for a given placement.company-reportedSource ↗Source ↗
  • eligibility: Amelia Risk says general liability is one of the most basic and fundamental parts of a company's insurance program and should be bought once a company is formed and operating, or once it starts selling products. General Liability page's timing guidance; not a stated industry or size restriction.company-reportedSource ↗
  • coverage: Amelia Risk describes general liability as covering premises liability and personal and advertising injury, and says it most notably includes product liability: coverage for third-party bodily injury or property damage claims arising from the use of the client's products. General Liability page's coverage description; a general explanation of the policy type, not a specimen form or a particular insurer's wording.company-reportedSource ↗
  • coverage: Amelia Risk says an umbrella policy raises the limits sitting on top of scheduled underlying liability policies, and notes that in some cases the layered policy it arranges is an excess policy rather than an umbrella policy. General Liability page's umbrella paragraph; distinguishes umbrella from excess by name only, without published limit amounts.company-reportedSource ↗
  • services: Amelia Risk says it reads the policies it offers clients and negotiates coverage terms and pricing before a client buys, as part of its general placement process. Specialties page's process description; applies to the firm's placement practice generally, not a general-liability-specific service.company-reportedSource ↗
  • application: Amelia Risk's stated process for arranging coverage, including general liability, starts with gathering information about the company, then approaching multiple insurers, reviewing the resulting quotes with the client, and letting the client decide how to proceed. Specialties page's four numbered steps; describes the firm's general placement workflow, not a general-liability-specific application form.company-reportedSource ↗
  • claims: Amelia Risk says it will advocate for a client's needs during claims, as one of the things clients can expect when working with the firm. Specialties page's process list; a general claims-advocacy statement covering all lines the firm places, not general-liability-specific claims handling.company-reportedSource ↗

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 ↗

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

Product-liability explanation and primary-policy features

Amelia Risk emphasizes product liability: third-party bodily injury or property damage tied to a customer’s product, alongside premises and advertising injury. Berkshire Hathaway Specialty Insurance markets primary general liability with contractor broad-form coverage and gradual-pollution features. If products create your main exposure, ask Amelia Risk how proposed carrier wording handles those claims; if contracting or pollution exposures matter, request the BHSI endorsements and definitions in the quote. [1] [3]

Brokerage review compared with BHSI’s minimum premium

Amelia Risk says it reads proposed policies and negotiates terms and pricing before purchase. BHSI’s casualty guide sets a $50,000 minimum premium per policy. Buyers can weigh hands-on quote review against BHSI’s stated threshold: the threshold may screen out smaller placements, while Amelia Risk’s reviewed material describes a multi-insurer process but does not publish a premium minimum. [2] [4]

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

  • Ask Amelia Risk to identify the issuing carrier and show product-liability terms in the quote. [2]
  • Ask BHSI how its broad-form and gradual-pollution features apply to your specific operations and premium. [3]

Amelia Risk brokers GL and describes product-related third-party claims while reviewing and negotiating quotes; BHSI markets primary GL with contractor broad-form and gradual-pollution features and a $50,000 minimum premium.

Sources and records

  1. 01
    General Liability

    Amelia Risk Insurance Brokers · What's covered by a General Liability Policy?: premises liability, personal & advertising injury, product liability; Hired & non-owned auto liability paragraph; Umbrella paragraph; When should a company buy a General Liability Policy? · accessed 2026-09-23

  2. 02
    Our Specialties

    Amelia Risk Insurance Brokers · OUR PROCESS: understand your business, explain insurance, read the policies we offer, negotiate coverage and pricing, advocate during claims; four numbered steps ending in the client deciding how to proceed · accessed 2026-09-23

  3. 03
    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

  4. 04
    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

  5. 05
    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

  6. 06
    Commercial general liability insurance

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

  7. 07
    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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