Berkshire Hathaway Specialty Insurance vs Withcoverage: General Liability Insurance

WithCoverage brokers GL and offers a no-cost audit of construction or restaurant policies, typically completed in about one business day; 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

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

Insurer policy features and broker review

Berkshire Hathaway Specialty Insurance markets primary GL with contractor broad-form and gradual-pollution features. WithCoverage acts as a broker and says it reviews GL alongside a client’s broader insurance program, with the option to place or transition coverage. The difference is a product-specific insurer description versus a program-level broker review. Buyers can ask BHSI for the offered wording and ask WithCoverage what its comparison finds in the policies already held. [1] [6]

Premium floor and audit access

BHSI’s guide sets a $50,000 minimum premium per policy. WithCoverage offers a no-cost audit that includes GL, does not require leaving the current broker and is typically completed about one business day after documents arrive. The audit is an entry to review rather than an insurance quote; buyers should compare any proposed placement against BHSI’s threshold and confirm carrier, price and terms. [2] [6]

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

  • Ask BHSI whether the proposed class and premium meet its published minimum. [2]
  • Ask WithCoverage which insurer and GL changes its audit recommends, and get terms in writing. [6]

BHSI markets contractor and gradual-pollution features with a $50,000 minimum; WithCoverage audits GL within a broader program and offers a no-cost review without requiring a broker change.

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

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

  5. 05
    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

  6. 06
    Construction Insurance & Risk Management

    WithCoverage · Hero: "One gap in GL, Builder's Risk, or Workers' Comp can wipe out a year of project profit"; Have Questions? program-audit FAQ listing General Liability among reviewed policies · accessed 2026-09-23

  7. 07
    Restaurant Insurance & Risk Management

    WithCoverage · Hero: "One gap in general liability, liquor liability, or workers' comp can erase a year of service"; Rackson/Bluestone Lane testimonial; Have Questions? program-audit FAQ listing General Liability among reviewed policies · accessed 2026-09-23

  8. 08
    Terms & Conditions

    WithCoverage · Section 8 Insurance Products: coverage subject to underwriting, carrier terms and policy documents · accessed 2026-09-23

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 ↗

WithCoverage

  • role: WithCoverage is a broker, not an insurer; it reviews general liability coverage as part of a broader insurance-program audit across multiple industries it serves, including construction and restaurants, and can place or transition the coverage. Construction and restaurant industry pages; terms confirm the issuing insurer, not WithCoverage, is responsible for policy obligations.company-reportedSource ↗Source ↗Source ↗
  • insurer: The reviewed pages do not name which insurer or insurers WithCoverage places general liability coverage with for any given client. Construction and restaurant pages as read on 2026-09-23.not-foundSource ↗Source ↗
  • coverage: General liability is explicitly listed among the policies WithCoverage says it reads and benchmarks during a program audit, and is named in the page hero for both construction and restaurant clients specifically. Program-audit FAQ, repeated identically across WithCoverage's industry pages; hero copy on construction and restaurant pages.company-reportedSource ↗Source ↗
  • services: A named restaurant client, Bluestone Lane, is quoted saying WithCoverage saved it more than $139,000 on business insurance while the business grew year over year, and that WithCoverage's team of hospitality experts provides proactive advice. Customer testimonial on the restaurant industry page; describes the overall program including general liability, not a general-liability-only figure, and is a single client's self-reported experience.company-reportedSource ↗
  • application: WithCoverage offers a no-cost program audit that includes general liability without requiring a client to leave its current broker, typically completed in about one business day after receiving policy documents. Construction and restaurant page FAQs.company-reportedSource ↗Source ↗

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

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