Berkshire Hathaway Specialty Insurance vs The Hartford: Commercial Crime Insurance

The Hartford includes crime among five options in its Private Choice Premier package, open to nonprofit, public and private firms; Berkshire Hathaway Specialty Insurance's combined form names private companies with $10 million or more in revenue as targets.

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 The Hartford Crime Insurance?

Form and Insured Crime Scenarios

Berkshire Hathaway Specialty Insurance describes a comprehensive portfolio with D&O, EPL, fiduciary, Commercial Crime, and employed-lawyer coverage. The Hartford offers crime among five options in Private Choice Premier and separately lists bond and commercial-crime coverage for financial institutions. A buyer should identify whether the account belongs in ordinary management liability or the Hartford’s financial-institutions product track. [1] [4]

Eligibility, Limits, and Service

The Hartford describes employee theft, forgery, and robbery, while Berkshire Hathaway Specialty Insurance identifies private firms with at least $10 million revenue and portfolio limits up to $50 million. The Hartford’s eligibility summary includes nonprofit, public, and private organizations. Confirm how that breadth translates to your entity type and whether BHSI’s combined limit fits your need. [1] [4]

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

  • Ask The Hartford which product track and crime wording apply to your organization, including employee theft and robbery terms.
  • Ask Berkshire Hathaway Specialty Insurance for crime-specific limits, shared-limit details, and eligibility for your organization type.

Berkshire Hathaway Specialty Insurance includes crime in Executive First; The Hartford lists crime as a management-liability coverage part and within a separate financial-institutions track.

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
    Management Liability Insurance | Get a Quote

    The Hartford · Crime Insurance section; Who Does Management Liability Insurance Protect?; Management and Professional Liability Insurance for Financial Institutions (Bond and commercial crime (fidelity)) · accessed 2026-09-23

  5. 05
    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

  6. 06
    Crime Non-Financial Applications and Forms

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

  7. 07
    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 ↗

The Hartford

  • role: The Hartford's crime insurance is one of five options in its Private Choice Premier management-liability package, and is offered separately as bond and commercial crime (fidelity) coverage within its financial-institutions product track. Management liability product page as read 2026-09-23.company-reportedSource ↗
  • coverage: The Hartford says crime insurance helps cover business-related crimes like employee theft, forgery or robbery, giving as an example an employee stealing money from a cash register. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls.company-reportedSource ↗
  • eligibility: The Hartford's crime coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. Management liability product page as read 2026-09-23.company-reportedSource ↗

Contact Van Ness Partners to discuss controls, exposures and insurance options.

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