Berkshire Hathaway Specialty Insurance vs Embroker: General Liability Insurance

Embroker sells standalone general liability with online quotes in minutes for businesses with people, premises, or products; Berkshire Hathaway Specialty Insurance lists primary GL for selected commercial classes with a $50,000 minimum premium.

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

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 ↗

Embroker

  • role: Embroker sells commercial general liability as a standalone line and offers to package it with other coverages such as cyber and workers' compensation. Product-page description; not a statement about the issuing insurer.company-reportedSource ↗
  • eligibility: Embroker markets the policy to any business that deals with or employs people, has a physical location with injury risk, or provides a product or service, including consultants, contractors and tradespeople. Product-page eligibility description; not a guarantee of coverage for a particular business.company-reportedSource ↗
  • coverage: Embroker lists coverage for third-party bodily injury and property damage, personal injury claims such as libel or slander, product liability, and legal defense costs and settlements. Product-page coverage summary; the issued policy and declarations control.company-reportedSource ↗
  • coverage: Embroker says the policy excludes employee injuries (covered by workers' compensation), professional errors (covered by E&O), employment practices claims, and property damage to the policyholder's own commercial property. Product-page What's not included section.company-reportedSource ↗
  • eligibility: Embroker says general liability insurance is not required by law, but local governments often require it for a business license and most venues or office leases require proof of coverage. Product-page FAQ: Is General Liability insurance required by law?company-reportedSource ↗
  • application: Embroker says applicants can get an instant general liability quote online in a few minutes, with underwriting based on claims history and the type of products or services the business provides. Product-page FAQ: How do you apply for General Liability insurance?; no quote was requested during this research.company-reportedSource ↗
  • limits: The reviewed product page does not publish specific per-occurrence or aggregate limit options; it only says a higher coverage limit generally costs more. Product page as read on 2026-09-23.not-disclosedSource ↗

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

Contractor extensions and common liability claims

Berkshire Hathaway Specialty Insurance markets primary GL with contractor broad-form coverage and gradual-pollution features. Embroker lists third-party bodily injury and property damage, personal injury, product liability, legal defense costs and settlements. A contractor or business with gradual pollution concerns can ask BHSI about its stated features; Embroker’s broader claim list gives a buyer concrete items to check in a standalone policy form. [1] [4]

Underwriting threshold and online application

BHSI publishes a $50,000 minimum premium per policy. Embroker says applicants can get an instant online GL quote in minutes, with underwriting based on claims history and the type of products or services involved. The faster intake description does not guarantee eligibility or binding, while the BHSI minimum signals a substantial account threshold. Compare actual quoted terms and total cost after submission. [2] [4]

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

  • Ask BHSI whether its minimum applies and which contractor or pollution endorsements are offered. [2]
  • Ask Embroker which carrier issues the policy and confirm exclusions for employees, professional errors and owned property. [4]

BHSI lists primary GL with contractor broad-form and gradual-pollution features and a $50,000 minimum premium; Embroker offers standalone GL with product and defense-cost coverage and online quoting.

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: Coverage & Quotes

    Embroker · Why it's essential; Who needs this coverage; What is General Liability insurance?; What's covered; What's not included; FAQ: How do you apply for General Liability insurance?; Is General Liability insurance required by law? · accessed 2026-09-23

  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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