Berkshire Hathaway Specialty Insurance vs CNA: General Liability Insurance

CNA lists general liability solutions for smaller, mid-sized and large companies, supported by industry-specific underwriting, risk-control and claims teams; Berkshire Hathaway Specialty Insurance markets primary general liability with a $50,000 minimum premium per policy.

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

BHSI lists primary GL features and target classes including construction and energy; CNA describes GL for small, mid-sized and large companies with underwriting, risk-control and claims professionals.

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

Contractor and pollution wording versus company-size options

Berkshire Hathaway Specialty Insurance markets primary GL with contractor broad-form coverage and gradual-pollution features, and its casualty guide names construction and energy among target classes. CNA describes general-liability solutions for smaller companies, mid-sized firms and large firms, without publishing a comparable feature list in this record. Contractors should request BHSI’s applicable form; buyers across different sizes can ask CNA which program is available for their scale. [1] [4]

Published class guide and specialist support

BHSI identifies several target classes in its casualty appetite guide. CNA emphasizes industry-specific underwriting and risk-control support alongside claims professionals. For a buyer, BHSI’s listed class and $50,000 minimum premium provide an initial fit screen, while CNA’s described teams point to service questions to raise during placement. Neither source establishes terms or support availability for a specific account. [2] [4]

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

  • Ask BHSI how its minimum premium and listed class appetite apply to your operation. [2]
  • Ask CNA who handles underwriting, risk control and claims on your proposed account. [4]

Provider coverage details

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 ↗

CNA

  • coverage: CNA Commercial General Liability addresses amounts a business may owe third parties for covered bodily injury or property damage. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • eligibility: CNA identifies GL solutions for smaller companies, mid-sized firms and large firms. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • services: CNA describes industry-specific underwriting/risk-control support and claims professionals for the GL line. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US commercial GL Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗

Sources and records

  1. 01
    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

  2. 02
    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

  3. 03
    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

  4. 04
    Commercial General Liability Insurance | CNA Insurance

    CNA · Commercial General Liability; customer sizes, coverage, teams · accessed 2026-09-28

  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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