Berkshire Hathaway Specialty Insurance vs Coverdash: Commercial Crime Insurance

Coverdash is a broker with a fully digital buying flow for any business handling money or payroll; Berkshire Hathaway Specialty Insurance bundles crime into a private-company portfolio, with limits up to $50 million.

Van Ness Partners presents a practical comparison of source materials relevant to financial crime exposures.Research updated 2026-09-30

What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Coverdash Crime Insurance?

Product Structure and Crime Protection

Berkshire Hathaway Specialty Insurance combines crime with D&O, EPL, fiduciary, and employed-lawyer insurance in Executive First. Coverdash arranges commercial crime for employee theft, forged checks, counterfeit currency, fraudulent transfer instructions, and social-engineering losses. That gives buyers different paths: a broader private-company management submission or a digital quote focused on money, payroll, and inventory exposures. [1] [4]

Eligibility, Limits, and Access

Coverdash markets the coverage to any business handling money, payroll, or valuable inventory and describes quote-to-purchase as fully digital. Berkshire Hathaway Specialty Insurance identifies private firms with at least $10 million in revenue as target accounts and advertises portfolio limits up to $50 million. Compare the actual carrier, crime-only limit, and application requirements before deciding whether package or standalone coverage fits. [1] [4]

What Should You Confirm in Berkshire Hathaway Specialty Insurance and Coverdash Crime Insurance Quotes?

  • Ask Coverdash which insurer will issue the crime policy, what limits apply to social engineering, and whether inventory theft is included.
  • Ask Berkshire Hathaway Specialty Insurance how crime limits interact with the other Executive First coverage parts and whether your company fits its target segment.

Berkshire Hathaway Specialty Insurance places crime in a combined private-company portfolio; Coverdash describes a digital broker process for standalone commercial crime.

Sources consulted

  1. 01
    Executive First Private Company Portfolio

    Berkshire Hathaway Specialty Insurance · Product Highlights, lines 11–15: D&O, EPL, fiduciary, Commercial Crime and Employed Lawyers in one comprehensive form; shared or separate limits up to $50 million; EPL First HR resources and attorney helpline. Top Targets, lines 16–25: private companies with at least $10 million revenue and listed industries. Reopened 2026-09-30. · accessed 2026-09-30

  2. 02
    Commercial Insurance Guide

    California Department of Insurance · Crime · accessed 2026-09-16

  3. 03
    Social Engineering Fraud Insurance

    Chubb · Opening; coverage highlights · accessed 2026-09-16

  4. 04
    Commercial Crime Insurance

    Coverdash · Product introduction; Types of Coverage cards for Employee theft, Forgery and fraud, Funds transfer fraud, Social engineering; Who It's For · accessed 2026-09-23

  5. 05
    Coverage Hub

    Coverdash · Cyber & Crime category listing Cyber Insurance, Crime Coverage and Kidnap & Ransom · accessed 2026-09-23

  6. 06
    Terms And Conditions

    Coverdash · "Coverdash does not provide any underwriting services"; broker/agent of record designation · accessed 2026-09-23

  7. 07
    Crime Terms and Conditions

    The Travelers Companies, Inc. · I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15 · accessed 2026-09-16

  8. 08
    Crime Non-Financial Applications and Forms

    Travelers · Opening paragraph; Sample Policy Forms · accessed 2026-09-16

  9. 09
    Commercial Crime Coverage Application

    Travelers Casualty and Surety Company of America · I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3 · accessed 2026-09-16

Crime coverage

Berkshire Hathaway Specialty Insurance

  • role: BHSI describes Executive First Private Company Portfolio as one comprehensive form combining D&O, EPL, fiduciary, Commercial Crime and employed-lawyer insurance. Portfolio marketing establishes a listed product structure, not a buyer’s entitlement or standalone availability.company-reportedSource ↗
  • eligibility: BHSI identifies private companies with at least $10 million in revenue among the portfolio’s target accounts. Portfolio-level target, not a guarantee that a particular applicant qualifies for the crime component.company-reportedSource ↗
  • limits: The portfolio page advertises shared or separate limits up to $50 million. This is a portfolio-wide figure, not a crime-specific limit; the page does not say how limits would be allocated on a specific policy.company-reportedSource ↗
  • coverage: The portfolio page specifically names Commercial Crime as one component of the comprehensive form. The page names the line but does not state its insuring agreements, coverage triggers or relationship to fidelity bonds.company-reportedSource ↗

Coverdash

  • role: Coverdash arranges commercial crime coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. General brokerage terms applied to the crime page; not specific to any one carrier or state.company-reportedSource ↗Source ↗
  • insurer: The commercial crime page does not name the insurer that issues the policy. Reviewed commercial crime page as of 2026-09-23; the page describes coverage without naming a specific carrier.not-disclosedSource ↗
  • coverage: Coverdash describes commercial crime coverage as protecting against employee theft of money, property or assets, forged checks and counterfeit currency, fraudulent funds-transfer instructions, and losses when an employee is tricked by social engineering into sending funds to a bad actor. Product-page coverage cards; the issued policy and declarations control actual wording, limits and exclusions.company-reportedSource ↗
  • coverage: Coverdash's coverage hub lists commercial crime separately from cyber insurance, even though both can respond to funds-transfer fraud and social-engineering losses; the two pages do not state how overlapping claims are coordinated between policies. Comparison of the cyber and crime-coverage product pages; overlap-resolution language was not found on either page.not-foundSource ↗
  • eligibility: Coverdash markets commercial crime coverage to any business that handles money, payroll or valuable inventory. Product-page eligibility description; actual acceptance depends on underwriting.company-reportedSource ↗
  • limits: The commercial crime page does not publish specific limit, retention or deductible amounts. Reviewed commercial crime page as of 2026-09-23; figures are quote-specific and not shown on the public product page.not-disclosedSource ↗
  • application: Coverdash describes a fully digital quote-to-purchase process for commercial crime coverage, with the option to add other coverages alongside it. Product-page company information and cross-sell section.company-reportedSource ↗

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