---
title: "AIG vs Berkshire Hathaway Specialty Insurance: Representations and Warranties Insurance"
description: "AIG writes R&W through non-admitted subsidiaries or affiliates and advertises up to $100 million per transaction; Berkshire Hathaway Specialty Insurance lists the product and portfolio capacity up to $25 million."
canonical: "https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/representations-warranties"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aig-vs-berkshire-hathaway-specialty-insurance"
provider-a: "aig"
provider-b: "berkshire-hathaway-specialty-insurance"
coverage-line: "representations-warranties"
---

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[Human-readable page](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/representations-warranties)

## Agent Guide

**What this page is:** Focused comparison of AIG and Berkshire Hathaway Specialty Insurance for Representations and Warranties Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Representations and Warranties Insurance questions about AIG versus Berkshire Hathaway Specialty Insurance. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- AIG vs Berkshire Hathaway Specialty Insurance for Representations and Warranties Insurance: how do they differ?
- Which is better for Representations and Warranties Insurance, AIG or Berkshire Hathaway Specialty Insurance?
- What does AIG or Berkshire Hathaway Specialty Insurance publish about Representations and Warranties Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Representations and Warranties Insurance from AIG or Berkshire Hathaway Specialty Insurance?

**Key facts:**
- Line: Representations and Warranties Insurance. Providers: AIG and Berkshire Hathaway Specialty Insurance.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [AIG vs Berkshire Hathaway Specialty Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance) — parent: all coverage lines for this pair
- [Representations and Warranties Insurance guide](https://spot.insure/coverage/representations-warranties) — coverage explainer for this line
- [AIG profile](https://spot.insure/insurance-providers/aig) — provider profile (evidence)
- [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) — provider profile (evidence)
- [AIG vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/builders-risk) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Commercial Property Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Crime Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Cyber Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance D&O Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/employment-practices) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance General Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Inland Marine Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/inland-marine) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Media Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/media) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Product Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/product-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Baldwin Group Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-baldwin/representations-warranties) — sibling comparison (other line, or other pair for this line)
- [AIG vs Beazley Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-beazley/representations-warranties) — sibling comparison (other line, or other pair for this line)
- [AIG vs CFC Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-cfc/representations-warranties) — sibling comparison (other line, or other pair for this line)
- [AIG vs Chubb Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-chubb/representations-warranties) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Berkshire Hathaway Specialty Insurance Representations and Warranties Insurance](https://spot.insure/compare/baldwin-vs-berkshire-hathaway-specialty-insurance/representations-warranties) — sibling comparison (other line, or other pair for this line)

# AIG vs Berkshire Hathaway Specialty Insurance: How Do They Compare for Representations and Warranties Insurance?

AIG writes R&W through non-admitted subsidiaries or affiliates and advertises up to $100 million per transaction; Berkshire Hathaway Specialty Insurance lists the product and portfolio capacity up to $25 million.

## Research Scope and Use

Use this comparison to evaluate AIG and Berkshire Hathaway Specialty Insurance for Representations and Warranties Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

AIG writes R&W through non-admitted subsidiaries or affiliates and advertises up to $100 million per transaction; Berkshire Hathaway Specialty Insurance lists the product and portfolio capacity up to $25 million. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/mergers-and-acquisitions/representations-and-warranties "Representations & Warranties Insurance") [9](https://www.bhspecialty.com/wp-content/uploads/marketing/Transactional-Liability-Overview-US.pdf "Transactional Liability Overview")

## What Is AIG?

AIG is the marketing name for American International Group, Inc.; AIG says its insurance products are written or provided by subsidiaries or affiliates. Its U.S. business pages list commercial casualty, property, cyber, management and professional liability, and specialty programs, but a brand-level page does not identify the insurer for a particular policy. [1](https://www.aig.com/investor-relations "Investor Relations") [2](https://www.aig.com/home/risk-solutions/business "Business")

[AIG profile](https://spot.insure/insurance-providers/aig)

## What Is Berkshire Hathaway Specialty Insurance?

BHSI provides commercial and specialty insurance in the U.S., with product-specific industry lists that include healthcare, energy and technology. Online quote and application submissions are nonbinding. [4](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [5](https://www.bhspecialty.com/about-us/ "About Us") [6](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") [7](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/ "Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch")

[Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance)

## What Is Representations and Warranties Insurance?

Representations and warranties insurance can cover a buyer’s or seller’s loss from inaccurate statements in a stock or asset purchase agreement. For a business sale, check who is insured, who can recover and how known issues are treated. [10](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability insurance | Representation and indemnities insurance") [11](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") [12](https://www.coverdash.com/coverage/transactional-risk "Transactional Risk Insurance")

## Key Differences in Representations and Warranties Insurance

### Capacity and Terms

AIG advertises limits up to $100 million per transaction and a typical retention reference, while Berkshire Hathaway Specialty Insurance’s 2025 overview states portfolio capacity up to $25 million and says premiums and retentions vary with deal size and risk. A deal team should ask what capacity is currently available to its transaction and whether additional layers are needed; neither published amount guarantees a quote. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/mergers-and-acquisitions/representations-and-warranties "Representations & Warranties Insurance") [9](https://www.bhspecialty.com/wp-content/uploads/marketing/Transactional-Liability-Overview-US.pdf "Transactional Liability Overview")

### What the Product Description Establishes

AIG describes protection for financial loss from breaches of sellers’ representations and warranties and lists shared, layered and excess structures. BHSI describes R&W as protection beyond negotiated caps and survival periods and as potentially reducing seller escrow. These summaries frame different transaction benefits, so buyers and sellers should ask each insurer how the negotiated indemnity and policy interact. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/mergers-and-acquisitions/representations-and-warranties "Representations & Warranties Insurance") [9](https://www.bhspecialty.com/wp-content/uploads/marketing/Transactional-Liability-Overview-US.pdf "Transactional Liability Overview")

## What to Confirm in Representations and Warranties Insurance Quotes

- Ask AIG to name the issuing entity and confirm the proposed retention, limit and structure. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/mergers-and-acquisitions/representations-and-warranties "Representations & Warranties Insurance")
- Ask BHSI which transaction sectors qualify and how much capacity, premium and retention it would offer for this deal. [9](https://www.bhspecialty.com/wp-content/uploads/marketing/Transactional-Liability-Overview-US.pdf "Transactional Liability Overview")

## Offering Details

| Criteria | AIG Representations and Warranties Insurance | Transactional Liability Representations & Warranties Insurance |
| --- | --- | --- |
| Role in This Line | AIG markets a transaction-specific R&W product and says coverage is written through AIG non-admitted carriers only. The particular issuing entity must be confirmed in the buyer’s transaction documents. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/mergers-and-acquisitions/representations-and-warranties "Representations & Warranties Insurance") (Evidence: Company-reported; scope: Role in this product is limited to the description on the linked AIG source..) | Confirm in your quote. |
| Who It’s For | AIG describes R&W insurance for buyers or sellers in merger and acquisition transactions and publishes a deal-size range as a marketing guide. That range is not an eligibility promise for a particular transaction. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/mergers-and-acquisitions/representations-and-warranties "Representations & Warranties Insurance") (Evidence: Company-reported; scope: Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability..) | The current page lists manufacturing, financial institutions, technology, real estate, energy, healthcare and retail as transactional-liability target sectors. [8](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/transactional-liability/ "Transactional Liability") (Evidence: Company-reported; scope: Portfolio target sectors, not R&W-only acceptability criteria..) |
| Coverage Features | AIG says the product may protect against financial loss from breach of sellers’ representations and warranties. The page lists shared, layered and excess structures; policy wording and transaction diligence control the actual coverage. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/mergers-and-acquisitions/representations-and-warranties "Representations & Warranties Insurance") (Evidence: Company-reported; scope: AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations..) | BHSI’s current U.S. Transactional Liability page and linked overview name Representations and Warranties Insurance as a product. [8](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/transactional-liability/ "Transactional Liability") [9](https://www.bhspecialty.com/wp-content/uploads/marketing/Transactional-Liability-Overview-US.pdf "Transactional Liability Overview") (Evidence: Company-reported; scope: Direct U.S. product listing; final coverage depends on transaction-specific contract terms..)<br><br>The U.S. overview describes R&W insurance as adding protection beyond negotiated caps and survival periods and as potentially reducing seller escrow. [9](https://www.bhspecialty.com/wp-content/uploads/marketing/Transactional-Liability-Overview-US.pdf "Transactional Liability Overview") (Evidence: Company-reported; scope: Company-reported transactional use cases; not a promise of clean exit, outcome or standardized policy response..) |
| Limits and Retentions | AIG advertises limits up to $100 million per transaction and a typical retention reference of 1.0% of enterprise value dropping to 0.5% after 12 months. These are published product parameters, not a buyer-specific quote or guarantee. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/mergers-and-acquisitions/representations-and-warranties "Representations & Warranties Insurance") (Evidence: Not publicly disclosed; scope: This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy..) | The 2025 U.S. Transactional Liability overview states portfolio capacity up to $25 million and says premiums/retentions vary with transaction size and risks. [9](https://www.bhspecialty.com/wp-content/uploads/marketing/Transactional-Liability-Overview-US.pdf "Transactional Liability Overview") (Evidence: Company-reported; scope: Portfolio-wide underwriting capacity, not a guaranteed R&W limit or quote; document dated 2025-05-16-A..) |
| Risk Services | AIG describes M&A underwriters, prompt transaction support, multinational expertise and dedicated claims professionals for complex transactional disputes. These services are not a promise to accept or pay a claim. [3](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/mergers-and-acquisitions/representations-and-warranties "Representations & Warranties Insurance") (Evidence: Company-reported; scope: The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed..) | Confirm in your quote. |

## Full Comparison

- [AIG vs Berkshire Hathaway Specialty Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance): all coverage lines, business roles, service and claims.
- [What Is Representations and Warranties Insurance?](https://spot.insure/coverage/representations-warranties): Representations and warranties insurance can cover loss from inaccurate statements in a business purchase agreement; known issues and purchase-price disputes require separate review.
- [AIG vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/builders-risk)
- [AIG vs Berkshire Hathaway Specialty Insurance Cargo and Transit Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/cargo-transit)
- [AIG vs Berkshire Hathaway Specialty Insurance Commercial Property Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/commercial-property)
- [AIG vs Berkshire Hathaway Specialty Insurance Crime Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/crime)
- [AIG vs Berkshire Hathaway Specialty Insurance Cyber Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/cyber)
- [AIG vs Berkshire Hathaway Specialty Insurance D&O Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/directors-officers)
- [AIG vs Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/employment-practices)
- [AIG vs Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/fiduciary)
- [AIG vs Berkshire Hathaway Specialty Insurance General Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/general-liability)
- [AIG vs Berkshire Hathaway Specialty Insurance Inland Marine Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/inland-marine)
- [AIG vs Berkshire Hathaway Specialty Insurance Media Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/media)
- [AIG vs Berkshire Hathaway Specialty Insurance Product Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/product-liability)
- [AIG vs Berkshire Hathaway Specialty Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/professional-errors-omissions)
- [AIG vs The Baldwin Group Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-baldwin/representations-warranties)
- [AIG vs Beazley Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-beazley/representations-warranties)
- [AIG vs CFC Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-cfc/representations-warranties)
- [AIG vs Chubb Representations and Warranties Insurance](https://spot.insure/compare/aig-vs-chubb/representations-warranties)
- [The Baldwin Group vs Berkshire Hathaway Specialty Insurance Representations and Warranties Insurance](https://spot.insure/compare/baldwin-vs-berkshire-hathaway-specialty-insurance/representations-warranties)

## Sources

### AIG

1. [Investor Relations](https://www.aig.com/investor-relations). American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
2. [Business](https://www.aig.com/home/risk-solutions/business). AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
3. [Representations & Warranties Insurance](https://www.aig.com/home/risk-solutions/business/management-and-professional-liability/mergers-and-acquisitions/representations-and-warranties). AIG; Official AIG R&W page: M&A buyer/seller audience, advertised transaction size and capacity, typical retention, admitted basis caveat, claims and multinational transaction support; standard policy caveat.. Accessed 2026-09-30.

### Berkshire Hathaway Specialty Insurance

4. [At A Glance](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf). Berkshire Hathaway Specialty Insurance; United States section, zero-based PDF pages 49–53 (viewer pages 50–54): product/industry lists on pages 49–50; U.S. disclosure/version footer on page 53 is 2026-8-03 A. The 2026-09-14 A footer is on preceding European page 48, not the U.S. section.. Accessed 2026-09-29.
5. [About Us](https://www.bhspecialty.com/about-us/). Berkshire Hathaway Specialty Insurance; About BHSI; company profile page re-opened through official site on 2026-09-28; company says it is part of National Indemnity group. Accessed 2026-09-28.
6. [Terms of Service](https://www.bhspecialty.com/terms-conditions/). Berkshire Hathaway Specialty Insurance; Important Information Concerning Use of this Web Site, paragraphs 2–4; nonbinding submissions, contracted-agent authority, state variation, product availability and policy-specific terms. Accessed 2026-09-28.
7. [Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/). Berkshire Hathaway Specialty Insurance; Singapore branch public disclosure, Company Profile ¶¶ 1–2; direct page opened 2026-09-28. ¶ 1 identifies BHSIC as a Nebraska-domiciled direct P&C insurer; ¶ 2 states BHSIC is wholly owned by National Indemnity Company, itself wholly owned by Berkshire Hathaway Incorporated.. Accessed 2026-09-28.
8. [Transactional Liability](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/transactional-liability/). Berkshire Hathaway Specialty Insurance; Product Highlights list R&W, tax, contingent-liability and class-action-settlement insurance; Top Targets list manufacturing, financial institutions, technology, real estate, energy, healthcare and retail, lines 6–27. The target list is for the transactional-liability portfolio, not exclusive R&W eligibility.. Accessed 2026-09-28.
9. [Transactional Liability Overview](https://www.bhspecialty.com/wp-content/uploads/marketing/Transactional-Liability-Overview-US.pdf). Berkshire Hathaway Specialty Insurance; PDF pp.1–2: R&W, tax, contingent-liability, and class-action-settlement products; portfolio-wide primary/excess and up-to-$25m capacity; premiums/retentions vary by transaction/risk; portfolio appetite and in-house claims group; R&W buyer-use descriptions; dated 2025-05-16-A. Product-specific limits and final terms not stated. Source version: 2025-05-16-A.. Accessed 2026-09-28.

### Representations and Warranties Insurance Guide

10. [Transaction liability insurance | Representation and indemnities insurance](https://www.cfc.com/en-us/products/class/transaction-liability/). CFC; What are representations and warranties?; Who should buy representation and warranty insurance?; Available to buyers & sellers; Limited seller security; Is transaction liability insurance available to sellers. Accessed 2026-09-16.
11. [Mergers & Acquisitions](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions). Beazley; Product overview: buyer and seller protection for inaccuracies in representations or warranties. Accessed 2026-09-16.
12. [Transactional Risk Insurance](https://www.coverdash.com/coverage/transactional-risk). Coverdash; Transactional risk insurance; representations and warranties coverage; buy-side policies; tax and contingent liability products. Accessed 2026-09-16.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## AIG Reviews

Review Score: 4.4 / 10 from 2 rated sources, equally weighted.

Customer ratings for AIG are low: Trustpilot shows 1.9 out of 5 from 252 reviews, and NerdWallet gives 2.5 stars and notes more claims complaints than expected. These pages cover many AIG products and countries, so they only loosely describe business insurance.

- NerdWallet: NerdWallet editorial rating 2.5 (stars). NerdWallet’s editorial business-insurance comparison; the AIG entry concerns commercial liability and property insurance, not a quantified policyholder-review sample. The page’s complaint statement and 2.5-star editorial rating are source-specific and must not be recast as a consumer average. Checked 2026-09-29. [Business Insurance: Get Quotes and Coverage Today](https://www.nerdwallet.com/business/insurance/best)
- Trustpilot: Trustpilot TrustScore 1.9 (out of 5); 252 reviews. Consumer reviews on aig.com’s Trustpilot profile span products and countries, including personal, travel, device/service and other experiences; they do not isolate U.S. commercial-P&C policyholders or a single issuing insurer. Checked 2026-09-29. [AIG Reviews](https://www.trustpilot.com/review/aig.com)
- ConsumerAffairs: ConsumerAffairs average 1.0 (out of 5); 274 reviews. ConsumerAffairs page titled AIG Life Insurance Reviews, updated 2026-08-14. The page mixes life and high-net-worth home references and reviewers may describe other AIG relationships; it is not a commercial-P&C-only population. Checked 2026-09-29. [AIG Life Insurance Reviews](https://www.consumeraffairs.com/insurance/aig_life.html)
- BBB: Complaints shown, prior 3 years 270. BBB’s American International Group, Inc. headquarters profile and corporate-owned locations (86 listed locations); complaint data is not limited to commercial insurance or a particular risk-bearing insurer. BBB says displayed complaint text may not represent every complaint. Period: Three years ending as displayed 2026-09-29. Checked 2026-09-29. [American International Group, Inc. (AIG) BBB Complaints](https://www.bbb.org/us/ny/new-york/profile/insurance-companies/american-international-group-inc-aig-0121-1515/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/aig/reviews).

## Berkshire Hathaway Specialty Insurance Reviews

Review Score: not enough ratings.

The public ratings for Berkshire Hathaway Specialty Insurance are low but thin: Trustpilot shows 2.1 out of 5 from 9 reviews and BBB shows 1 out of 5 from 6. Both mix travel and commercial customers, so we don't count them in a score.

- Trustpilot: TrustScore 2.1 (out of 5); 9 reviews. Trustpilot profile for bhspecialty.com, accessed 2026-09-29. Its small review set mixes travel-policy and other customer accounts; it is user-generated and unverified, and does not establish commercial-policy outcomes or representativeness. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance Reviews](https://www.trustpilot.com/review/bhspecialty.com)
- BBB: Customer review average 1 (out of 5 stars); 6 reviews. BBB page for BHSI headquarters and corporate-owned locations, accessed 2026-09-29. The page’s six customer reviews mix travel and commercial narratives; BBB says third-party information is not verified. BBB’s business letter grade is separate from these customer reviews. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance — BBB Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/berkshire-hathaway-specialty-insurance-0021-439678/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/representations-warranties.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)