Berkshire Hathaway’s growth trajectory in the insurance industry appears to be encountering significant headwinds as market saturation intensifies. The conglomerate, which has historically thrived by leveraging its diversified portfolio and prudential underwriting strategies, is now facing increased pressure from evolving customer demands and the emergence of nimble insurtech startups. These newcomers are aggressively targeting niche segments with customized products and innovative technology platforms, forcing even established giants to rethink their approach.

Among the core challenges are:

  • Heightened competition from digital-first insurers offering seamless online experiences.
  • Regulatory complexities that raise…