Berkshire Hathaway Specialty Insurance vs Zurich: Commercial Crime Insurance

What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Zurich U.S. Crime Insurance?

Form and Insured Crime Scenarios

Berkshire Hathaway Specialty Insurance names Commercial Crime as a part of Executive First. Zurich offers crime both standalone and in package solutions, describing employee theft, computer fraud, and funds-transfer fraud through distinct coverage terms. For a buyer focused on payment instructions or system-enabled transfers, Zurich’s separate descriptions make it important to identify which agreement responds to each event. [1] [7]

Eligibility, Limits, and Service

Zurich also offers crime-risk assessments through Zurich Resilience Solutions, while Berkshire Hathaway Specialty Insurance advertises shared or separate portfolio limits up to $50 million. Those services and limit structures are not equivalents: compare Zurich’s assessment scope with any BHSI risk resources, and obtain crime-specific limits, triggers, and retentions from each quote. [1] [7]

What Should You Confirm in Berkshire Hathaway Specialty Insurance and Zurich U.S. Crime Insurance Quotes?

Ask Zurich how computer fraud differs from funds-transfer fraud in the policy and what resilience assessment is available.
Ask Berkshire Hathaway Specialty Insurance for standalone crime terms, limit allocation, and any crime-risk assessment or prevention services.

Berkshire Hathaway Specialty Insurance places crime in a combined private-company portfolio; Zurich describes standalone and packaged crime policies with separate computer and funds-transfer fraud terms.

Sources consulted

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
02
Commercial Insurance Guide
California Department of Insurance · Crime · accessed 2026-09-16
03
Social Engineering Fraud Insurance
Chubb · Opening; coverage highlights · accessed 2026-09-16
04
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
05
Crime Non-Financial Applications and Forms
Travelers · Opening paragraph; Sample Policy Forms · accessed 2026-09-16
06
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
07
Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.
Zurich U.S. · Crime product, standalone/package availability, loss examples, risk assessment services · accessed 2026-09-28

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 ↗

Zurich U.S.

eligibility: Zurich offers commercial crime insurance as standalone policies and as package solutions for public and private companies. Zurich U.S. brand; issuer varies by product/state; Commercial Crime Insurance; United States. Product structure and company class only; terms, underwriting and availability vary.company-reportedSource ↗
coverage: Zurich describes employee-theft coverage for direct loss or damage to money, securities or property caused by employee theft or forgery. Zurich U.S. brand; issuer varies by product/state; Commercial Crime Insurance; United States. Summary only; form definitions, exclusions, limits and conditions control.company-reportedSource ↗
coverage: Zurich describes computer-fraud losses as loss of or damage to money, securities or property resulting directly from computer use to fraudulently cause a transfer originating from the insured’s business or banking premises. It separately describes Funds Transfer Fraud as direct loss of money or securities from fraudulent instructions to a financial institution to transfer funds from the insured’s transfer account. Policy forms govern. Zurich U.S. brand; issuer varies by product/state; Commercial Crime Insurance; United States. These are the page’s summary descriptions, not policy definitions. Actual definitions, causation requirements, exclusions and limits are in policy forms.company-reportedSource ↗
services: Zurich Resilience Solutions offers crime-risk assessment services intended to identify vulnerabilities, followed by specialist recommendations for crime resilience. Zurich U.S. brand; exact risk-service provider/issuer relationship not mapped; Commercial Crime Insurance risk-assessment service; United States. Company-described service; no guarantee of loss prevention and no insured coverage grant.company-reportedSource ↗