Berkshire Hathaway Specialty Insurance vs Foxquilt: Inland Marine Insurance

Berkshire Hathaway Specialty Insurance lists inland transportation and other marine risks, with inland marine aimed at developers and general contractors. Foxquilt describes mobile-contractor inland marine coverage for ConvertLabs janitorial businesses.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-09-30

BHSI lists transit, cargo, warehouse, equipment and installation risks across named industries; Foxquilt’s reviewed cleaner program describes a limited portion of mobile contractors’ equipment coverage.

What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Foxquilt Inland Marine Insurance?

Broad marine catalog and a defined program example

Berkshire Hathaway Specialty Insurance lists inland transit, motor-truck cargo, warehouse legal liability, contractor equipment and installation risks, with target industries including construction, logistics, energy and warehousing. Foxquilt’s reviewed ConvertLabs janitorial program identifies mobile equipment coverage for contractors’ equipment, small tools and hardware, and says that scope is only a small portion of equipment coverage. This is a narrower documented example, so a janitorial buyer should request the complete schedule rather than assume broad standalone coverage. [1] [1] [4]

Eligibility evidence and quote certainty

BHSI names multiple inland-marine target classes. Foxquilt’s available evidence is scoped to the cleaner program and says its page does not establish broad standalone availability; its quote path also does not guarantee an offer or bind. A buyer can use BHSI’s class list as an initial fit check and ask Foxquilt whether the program covers the specific operation and items. [1] [4]

What Should You Confirm in Berkshire Hathaway Specialty Insurance and Foxquilt Inland Marine Insurance Quotes?

  • Ask Foxquilt for the complete mobile-equipment wording and item limits for the cleaner program. [4]
  • Ask BHSI whether the relevant equipment class and storage locations fit its appetite. [1]

Coverage topics

Berkshire Hathaway Specialty Insurance

  • coverage: BHSI's marine catalog includes inland transit, motor-truck cargo, warehouse legal liability, contractor equipment and installation risks. US commercial marine and inland-marine products. Material limitation: These are separate scheduled exposures/forms; not all are necessarily available in one policy.company-reportedSource ↗
  • coverage: BHSI describes additional inland-marine risks such as exhibition property, scheduled articles, small tools and leased equipment. Commercial inland marine placements. Material limitation: Eligibility, deductibles, limits and geographic scope depend on the policy.company-reportedSource ↗
  • eligibility: For Inland Marine, BHSI lists developers, general contractors, logistics, transportation, oil and gas, utilities, and warehousemen as top targets. BHSI U.S. Inland Marine target-account list only. Material limitation: Target examples do not guarantee eligibility; do not substitute the separate Ocean Marine customer list or combine the products/forms.company-reportedSource ↗

Foxquilt

  • role: Foxquilt lists Inland Marine among primary coverages and identifies Mobile Equipment as Inland Marine in its cleaner program. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗Source ↗
  • coverage: The cleaner program describes mobile contractors’ equipment, small tools and hardware, and expressly characterizes this as only a small portion of equipment coverage. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗Source ↗
  • eligibility: The described scope is the ConvertLabs janitorial/cleaner program; it is not evidence of broad standalone inland-marine availability. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗Source ↗
  • application: The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗Source ↗
  • limits: The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered.not-disclosedSource ↗Source ↗

Source material

  1. 01
    Marine

    Berkshire Hathaway Specialty Insurance · Inland and ocean marine product list, covered property classes and target businesses; lines 18-69 · accessed 2026-09-28

  2. 02
    Commercial Insurance Guide

    California Department of Insurance · Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery · accessed 2026-09-16

  3. 03
    About Us - North American Business Insurance Company

    Foxquilt · Our Primary Coverages; North American Distribution; Foxden; broad company-level distribution statement. · accessed 2026-09-29

  4. 04
    Cleaner Insurance Program by Foxquilt

    Foxquilt · Current Foxquilt-powered ConvertLabs cleaner program page; lines 108–135 lists CGL, Commercial Auto, Mobile Equipment, Crime/Bonds and Workers’ Compensation. Lines 127–128 identify Mobile Equipment as “also known as Inland Marine” and limit it to a small portion of equipment coverage commonly used by janitorial providers; lines 130–131 describe Crime, not bond terms. Page says program applications are available in Canada or the U.S. Directly inspected 2026-09-29. · accessed 2026-09-29

  5. 05
    Inland Marine Policy: Contractors’ Equipment

    Markel American Insurance Company / American Association of Insurance Services; hosted by Florida Department of Management Services · PDF p.8 declarations; attached Contractors’ Equipment printed pp.1–13 (PDF pp.18–30); replacement-cost endorsement PDF p.34 · accessed 2026-09-16

Share your transportation and logistics needs with Embarcadero Risk to discuss next steps.

Contact Embarcadero Risk