What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Gallagher Crime Insurance?
Coverage Structure and Crime Scope
Berkshire Hathaway Specialty Insurance places Commercial Crime alongside D&O, EPL, fiduciary, and employed-lawyer insurance in Executive First. Gallagher arranges crime and fidelity through outside carriers, with a small-business advisor route and a separate practice for larger accounts. Gallagher says its larger-account limit methodology uses peer analysis and an exposure index, a placement service rather than an insurer promise. [1] [4]
Limits, Eligibility, and Placement
Gallagher names employee fraud, funds-transfer fraud, computer fraud, theft, and property destruction among covered scenarios. Berkshire Hathaway Specialty Insurance advertises portfolio limits up to $50 million, shared or separate, and targets private firms from $10 million revenue. Compare Gallagher’s proposed market terms with BHSI’s policy-specific crime limit, not the methodology or portfolio ceiling alone. [1] [4]
What Should You Confirm in Berkshire Hathaway Specialty Insurance and Gallagher Crime Insurance Quotes?
- Ask Gallagher which carrier and limit methodology apply to your account, and how employee dishonesty differs from fidelity coverage.
- Ask Berkshire Hathaway Specialty Insurance whether other portfolio parts share the crime limit and what retention applies.