Berkshire Hathaway International Insurance Limited – Italian Branch

What Berkshire Hathaway International Insurance Limited – Italian Branch does

Berkshire Hathaway International Insurance Limited – Italian Branch is the Italian secondary office (Rappresentanza Generale per l'Italia) of UK-domiciled insurer BHIIL, itself wholly owned by National Indemnity Company and ultimately by Berkshire Hathaway Inc. (NYSE: BRK A/B). Headquartered at Corso Italia 13 in Milan, the branch is registered with IVASS under No. 2.00005 (Section II) since 11 May 2021 and operates under authorization from the UK's Prudential Regulation Authority with conduct regulation by the Financial Conduct Authority. The Italian Branch focuses narrowly on professional liability (colpa greve / civil liability) insurance, with three core product lines: medical malpractice and gross negligence coverage for individual NHS-affiliated and private healthcare professionals (SSN); civil, third-party, and employer liability for private healthcare facilities (clinics, polyclinics, diagnostic centers, RSA residential care); and administrative-patrimonial liability for school administrators (Dirigenti Scolastici and DSGA). A collective policy arrangement with FNOPO extends coverage to midwives.

The branch operates a lean structure of 21 employees and underwrites business exclusively through licensed insurance intermediaries registered in Section A of the R.U.I., supported by two platforms: the 'Berkshire Hathaway Digital Insurance' broker portal (badmin.bh-italia.com) for intermediaries and the Home Insurance portal (homeinsurance.bh-italia.com) for policyholder self-service. Pricing is quote-based and not publicly disclosed, with premiums varying by coverage type, professional category, risk profile, and limits. The business is supported by significant reinsurance from the parent group, giving the branch effective access to National Indemnity's 'strongest'-rated (AM Best) consolidated capital. The branch is ISO 9001:2015 (issued by SGS Italia) and UNI PDR 125:2022 certified, and holds the highest AM Best Financial Strength Rating (A++ Superior) and Long-Term Issuer Credit Rating (aaa Exceptional), assigned in February 2026.

The branch does not disclose proprietary technology or AI/ML capabilities; its primary assets are the Berkshire Hathaway brand, regulatory licenses, intermediary relationships, and capital backing from the parent group. Revenue is not separately disclosed, and the fully paid-up share capital of the parent (US$432,997,752) reflects group-level rather than branch-level scale.

Name

Berkshire Hathaway International Insurance Limited – Italian Branch

Legal name

Berkshire Hathaway International Insurance Limited

Website

https://berkshirehathaway.it

Company type

Public

Operating status

Operating

Headcount range

11–50 employees

Short description

Berkshire Hathaway International Insurance Limited – Italian Branch is a Milan-based specialty insurer offering professional liability coverage for Italian healthcare professionals, healthcare facilities, and school administrators, distributed exclusively through 14+ licensed intermediaries.

Ownership category

akta.pro rank

Product category

Professional Liability Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Healthcare Professional Liability (Med Mal) (FSAJAGAE)

akta.pro secondary industries

Public Liability (Premises/Operations) (FSAJADAD), Healthcare Offices BOP (Medical/Dental/Vet Clinics) (FSAJAFAL)

Keywords

• Professional liability insurance
• Medical malpractice insurance
• Commercial liability coverage
• Insurance intermediary distribution
• Non-life insurance Italy

Headquarters

HQ city

Milan

HQ country

Italy

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Property and Casualty Insurance Premiums: BHIIL generates revenue through insurance premiums from property and casualty insurance products, including professional liability, medical malpractice, and general liability policies. Premiums are collected from individual professionals and institutional clients (healthcare facilities, schools) either directly or through intermediary networks.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

BHIIL Italia underwrites and distributes professional liability and civil liability (non-life) insurance products in Italy, focused on three verticals: medical malpractice and gross negligence (colpa grave) coverage for individual healthcare professionals and NHS employees; civil, medical, third-party and employer liability (RCT/RCO) coverage for private healthcare facilities, clinics, polyclinics and residential care homes; and administrative patrimonial liability coverage for school administrators (Dirigenti Scolastici and DSGA). Policies are distributed exclusively through licensed insurance intermediaries and professional associations, with individual policies typically issued within collective schemes.

Product overview

Berkshire Hathaway International Insurance Limited – Italian Branch operates as an insurance company offering a portfolio of property and casualty (danni) insurance products focused on professional liability. The core product line consists of three main segments: (1) Medici products providing gross medical negligence (colpa grave) and civil liability coverage for healthcare professionals including NHS employees, with optional legal protection; (2) Strutture Sanitarie products covering private healthcare facilities, clinics, polyclinics, laboratories, and residential care homes for RCT/RCO/RCM; and (3) Dirigenti Scolastici products for school administrators' administrative liability. The company distributes through two digital platforms: the Home Insurance portal for client policy management and FNOPO access, and the Berkshire Hathaway Digital Insurance broker platform for intermediary distribution. Individual policies are offered within collective frameworks through authorized intermediaries registered in RUI Section A.

Differentiator

Problem solved

Functional benefit

Products and services

• Colpa Grave Medica - Dipendenti SSN "PLUS" Insurance coverage for gross medical negligence (colpa grave) targeting Italian NHS (SSN) healthcare professional employees, including optional legal protection (tutela legale) coverage for recourse actions following conviction sentences and indemnification for damages caused to patients.
• Professione Medica "PLUS" Civil liability insurance for healthcare professionals covering damages to third parties from negligent acts, errors, or omissions during professional activities, with gross negligence coverage and optional legal protection.
• Professione Medica (con Tutela Legale opzionale) Civil liability insurance for medical professionals with optional legal defense coverage for extrajudicial and judicial protection of the insured's rights within declared professional activities.
• RCG Strutture Sanitarie e Cliniche Private Civil liability insurance for private healthcare facilities including clinics, diagnostic centers, dialysis centers, specialist clinics, medical centers, and residential care facilities (RSA/RA), covering medical civil liability, third-party liability (RCT), and employer liability (RCO).
• RCG Poliambulatori e RSA Civil liability insurance for polyclinics, laboratories, dental practices, and residential care facilities, covering medical civil liability, third-party liability, and employer liability.
• RCG Colpa Grave Dirigenti Scolastici Patrimonial administrative civil liability insurance for gross negligence targeting school administrators (Dirigenti Scolastici) and administrative service directors (DSGA), covering liability, organizational supervision, legal expenses, and defense.
• FNOPO Collective Professional Liability Policy for Midwives Collective professional liability and gross negligence insurance policy for midwives registered with the National Federation of Midwives Orders (FNOPO), managed through the Bucchioni's Studio SAS intermediary portal.

Named customers4 records

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

15 partnerships are on record, tiered minor.

• AIMUW S.p.A.minorChannel Partner/ Reseller/ DistributorInsurance intermediary registered in Section A of R.U.I. Located at P.zza Sallustio, 9, 00187 Rome. Distributes BHIIL insurance products for individual policies within collective insurance schemes.
• BEAH ITALIA S.R.L.minorChannel Partner/ Reseller/ DistributorInsurance intermediary registered in Section A of R.U.I. Located at Via Pietro Paleocapa 1, 20121 Milan. Distributes BHIIL insurance products.
• Bucchioni's Studio SASminorChannel Partner/ Reseller/ DistributorInsurance intermediary based in La Spezia. Also manages the FNOPO collective policy portal for BHIIL. Located at Via Redipuglia, 15, 19100 La Spezia.
• DRAVE UNDERWRITING S.R.L.minorChannel Partner/ Reseller/ DistributorInsurance intermediary registered in Section A of R.U.I. Located at Via Matteo Bandello 15, 20123 Milan. Specialized in underwriting distribution.
• GSM Assicurazioni S.A.S.minorChannel Partner/ Reseller/ DistributorInsurance intermediary of Carlucci Marco & C. Located at Via Emanuele Filiberto 11, 20149 Milan. Distributes BHIIL insurance products.
• Horus Consulenti Associati S.r.l.minorChannel Partner/ Reseller/ DistributorInsurance intermediary network based in Rome. Located at Donato Menichella, 260, 00156 Rome. Part of Horus network for insurance distribution.
• Insurance Generation 7 S.r.l.minorChannel Partner/ Reseller/ DistributorInsurance intermediary registered in Section A of R.U.I. Located at Piazzale Ungheria 73, 90141 Palermo. Distributes BHIIL insurance products in Southern Italy.
• LU Liability Underwriting S.r.l.minorChannel Partner/ Reseller/ DistributorInsurance intermediary specialized in liability underwriting. Located at Viale di Porta Vercellina, 20, 20123 Milan. Distributes BHIIL liability insurance products.
• ONE UNDERWRITING S.R.L.minorChannel Partner/ Reseller/ DistributorInsurance intermediary registered in Section A of R.U.I. Located at Via della Chiusa, 15, 20123 Milan. Specialized in underwriting distribution.
• Victor Insurance Italia S.r.l.minorChannel Partner/ Reseller/ DistributorInsurance intermediary registered in Section A of R.U.I. Located at Via Calabria, 31, 20158 Milan. Global insurance manager distributing BHIIL products.
• +Simple Italia Agency S.r.l.minorChannel Partner/ Reseller/ DistributorDigital insurance agency. Located at Via Savoia 78, 00128 Rome. Distributes BHIIL insurance products through digital channels.
• FEL.FIN. S.R.L.minorChannel Partner/ Reseller/ DistributorInsurance intermediary located at Via Maldenti, 10, 47121 Forlì (FC). Distributes BHIIL insurance products.
• ASSITA SPAminorChannel Partner/ Reseller/ DistributorInsurance intermediary specialized in Professional Integrated Insurance Programs. Located at C. Arconati 1, 20135 Milan. Distributes BHIIL professional insurance products.
• GRUPPO GENERAL INSURANCE S.R.L.minorChannel Partner/ Reseller/ DistributorInsurance intermediary based in San Marino. Located at Via Tre Settembre, 99, 47891 Dogana, Republic of San Marino. Distributes BHIIL insurance products.
• FNOPO (Federazione Nazionale degli Ordini della Professione di Ostetrica)minorChannel Partner/ Reseller/ DistributorNational federation of Midwives Orders. BHIIL provides collective insurance policy for gross negligence and professional liability coverage for FNOPO members through the Bucchioni platform.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Zurich Insurance Italy: Global insurer with a substantial Italian presence in specialty P&C, including professional liability for healthcare. Comparable as a large international incumbent with similar specialty offerings.
• Allianz Italia: Major multi-line Italian insurer offering professional and medical liability as part of a broader portfolio. Comparable as a large incumbent operating in the same medical/professional liability space.
• Generali Italia: Italy's largest domestic insurer with broad P&C and life offerings, including professional liability for healthcare. Overlaps with BHIIL Italia but distributed through a much broader portfolio and channel network.
• UnipolSai Assicurazioni: Top-tier Italian insurance group with broad P&C offerings, including professional liability. Competes with BHIIL Italia for healthcare and school administrator liability accounts but as a generalist incumbent.
• AXA Assicurazioni Italia: Major Italian insurer with significant professional liability and healthcare offerings. Comparable as a broad incumbent with overlapping specialty lines.

Direct peers

• Relyens (formerly SHAM): European mutual insurer dedicated to medical liability for healthcare professionals and establishments, with strong presence in Italy. Highly comparable to BHIIL Italia's medical malpractice and healthcare facility liability offering.
• CNA Insurance Italy: Specialty professional liability and medical malpractice insurer in Italy, with a focus on healthcare professionals. Directly comparable niche positioning to BHIIL Italia's medical negligence book.
• AmTrust Assicurazioni: Italian-licensed carrier specialized in medical malpractice and professional liability for healthcare professionals and facilities. Most directly comparable competitor to BHIIL Italia's core Medici and Strutture Sanitarie books.
• QBE Insurance Europe (Italy branch): QBE writes specialty lines including professional and medical liability in Italy through its European operations. Comparable as a specialty P&C carrier with similar professional liability product focus.

Emerging players

• HDI Assicurazioni: Italian specialty P&C insurer with a focus on professional liability and niche commercial lines. Comparable to BHIIL Italia as a smaller specialist that competes in the same intermediary-driven distribution model.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/berkshire-hathaway-international-insurance-limited-italian-branch

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Berkshire Hathaway International Insurance Limited – Italian Branch