---
title: "Berkshire Hathaway Specialty Insurance vs Embroker: Surety Bonds"
description: "Berkshire Hathaway Specialty Insurance lists named surety forms; Embroker gives illustrative bond-price examples tied mainly to applicant credit."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/surety-bonds"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-embroker"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "embroker"
coverage-line: "surety-bonds"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/surety-bonds)

## Agent Guide

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

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

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

**Key facts:**
- Line: Surety Bonds. Providers: Berkshire Hathaway Specialty Insurance and Embroker.
- 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 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [Berkshire Hathaway Specialty Insurance vs Embroker](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker) — parent: all coverage lines for this pair
- [Surety Bonds guide](https://spot.insure/coverage/surety-bonds) — coverage explainer for this line
- [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) — provider profile (evidence)
- [Embroker profile](https://spot.insure/insurance-providers/embroker) — provider profile (evidence)
- [Berkshire Hathaway Specialty Insurance vs Embroker Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Embroker Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/crime) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Embroker Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/cyber) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Embroker D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Embroker Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Embroker General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/general-liability) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Embroker Product Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/product-liability) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Embroker Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Embroker Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs Berkshire Hathaway Specialty Insurance Surety Bonds](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Aon vs Embroker Surety Bonds](https://spot.insure/compare/aon-vs-embroker/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Berkshire Hathaway Specialty Insurance Surety Bonds](https://spot.insure/compare/baldwin-vs-berkshire-hathaway-specialty-insurance/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Embroker Surety Bonds](https://spot.insure/compare/baldwin-vs-embroker/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Chubb Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs CNA Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cna/surety-bonds) — sibling comparison (other line, or other pair for this line)

# Berkshire Hathaway Specialty Insurance vs Embroker: How Do They Compare for Surety Bonds?

Berkshire Hathaway Specialty Insurance lists named surety forms; Embroker gives illustrative bond-price examples tied mainly to applicant credit.

## How to Use the Berkshire Hathaway Specialty Insurance vs Embroker Surety Bonds Comparison

Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Embroker for Surety Bonds 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.

## Berkshire Hathaway Specialty Insurance vs Embroker Surety Bonds Summary

Berkshire Hathaway Specialty Insurance lists performance, payment and warranty bonds; Embroker explains how applicant credit affects bond pricing and gives an example for a $50,000 bond. [5](https://www.bhspecialty.com/us-products/us-surety/ "Surety") [9](https://www.embroker.com/coverage/surety-bonds/ "Construction Bonds: Surety Bond Types & Cost")

## 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. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [2](https://www.bhspecialty.com/about-us/ "About Us") [3](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") [4](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 Embroker?

Embroker suits technology firms seeking a single application for management coverage plus eligible Tech E&O and cyber, and law firms seeking a grouped package; buyers needing only standard small-business coverage should compare direct carriers. [6](https://www.embroker.com/ "Embroker") [7](https://www.embroker.com/terms/ "Terms And Conditions") [8](https://access.embroker.com/ "Embroker Access")

[Embroker profile](https://spot.insure/insurance-providers/embroker)

## What Are Surety Bonds?

A surety bond guarantees that your business meets a specific obligation to a customer, contracting party or government agency. If a contract, license or permit requires one, get its exact form and amount; a bond is not insurance for your own losses. [10](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [11](https://www.sba.gov/funding-programs/surety-bonds "Surety bonds") [12](https://www.law.cornell.edu/uscode/text/40/3131 "40 U.S. Code § 3131 — Bonds of contractors of public buildings or works") [13](https://www.chubb.com/us-en/surety.html "Surety Bonds") [14](https://www.harperinsure.com/coverages/surety-bonds "Surety Bonds Insurance")

## What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Embroker Surety Bonds?

### Bond categories and pricing inputs

Berkshire Hathaway Specialty Insurance lists performance, payment, advance-payment, maintenance, supply and warranty bonds. Embroker says pricing depends mainly on applicant credit and gives a $50,000 bond example costing $500–$2,500 for excellent credit versus up to $10,000 for poor credit. These figures illustrate credit sensitivity; they are not a quote for your risk. [5](https://www.bhspecialty.com/us-products/us-surety/ "Surety") [9](https://www.embroker.com/coverage/surety-bonds/ "Construction Bonds: Surety Bond Types & Cost")

### Published pricing and quote basis

Embroker’s examples show different estimated premiums for the same bond amount based on applicant credit. Request a quote using the same penal sum and applicant information from any market you compare, and treat the published example as illustrative rather than a promised rate. [9](https://www.embroker.com/coverage/surety-bonds/ "Construction Bonds: Surety Bond Types & Cost") [5](https://www.bhspecialty.com/us-products/us-surety/ "Surety")

## What Should You Confirm in Berkshire Hathaway Specialty Insurance and Embroker Surety Bonds Quotes?

- Ask Embroker how your credit, indemnitors and bond amount affect the actual rate. [9](https://www.embroker.com/coverage/surety-bonds/ "Construction Bonds: Surety Bond Types & Cost")
- Ask BHSI whether it will consider the required bond type and project amount. [5](https://www.bhspecialty.com/us-products/us-surety/ "Surety")
- Confirm the obligee and indemnity terms and keep liability/property coverage separate. [9](https://www.embroker.com/coverage/surety-bonds/ "Construction Bonds: Surety Bond Types & Cost")

## Berkshire Hathaway Specialty Insurance vs Embroker Surety Bonds Compared

| Criteria | U.S. Surety | Embroker Surety Bonds |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | Embroker arranges surety bonds, describing itself as the party helping the business (the principal) secure a bond backed financially by a surety, for an obligee that is typically a government agency. [9](https://www.embroker.com/coverage/surety-bonds/ "Construction Bonds: Surety Bond Types & Cost") (Evidence: Company-reported; scope: Product-page description; not a statement about which surety company backs a specific bond..) |
| Who It’s For | BHSI names regional, national and global contractors and construction suppliers or service firms among its target accounts. [5](https://www.bhspecialty.com/us-products/us-surety/ "Surety") (Evidence: Company-reported; scope: A target description does not establish approval, bonding capacity or qualification for a particular contract..) | Embroker frames surety bonds as most commonly needed in construction, required at the state, county or city level before a contractor can work on a project, but says they matter in other industries too. [9](https://www.embroker.com/coverage/surety-bonds/ "Construction Bonds: Surety Bond Types & Cost") (Evidence: Company-reported; scope: Product-page 'Who are Surety Bonds for?' and 'What Is a Construction Bond?' sections; not a guarantee of bond issuance for a particular applicant..) |
| Coverage Features | BHSI lists performance, payment, advance-payment, maintenance, supply and warranty bonds. [5](https://www.bhspecialty.com/us-products/us-surety/ "Surety") (Evidence: Company-reported; scope: The catalogue identifies bond types; actual obligations are set by each bond form, principal, obligee and governing jurisdiction..)<br><br>BHSI lists performance, payment, advance-payment, maintenance, supply and warranty bonds as separate bond types. [5](https://www.bhspecialty.com/us-products/us-surety/ "Surety") (Evidence: Company-reported; scope: Each bond carries its own obligation; the product list does not establish bond form terms or approval..) | Embroker lists contractor license, bid, construction performance, payment, maintenance, utility, supply and subdivision bonds as construction bond types it can help obtain, and explains that a bond protects the obligee, not the contractor who purchased it. [9](https://www.embroker.com/coverage/surety-bonds/ "Construction Bonds: Surety Bond Types & Cost") (Evidence: Company-reported; scope: Product-page 'Types of Construction Bonds' and 'What Do They Cover?' sections; specific bond terms depend on the bond issued..)<br><br>Embroker says surety bonds are not insurance and do not cover the purchasing business's own losses, so a bonded contractor still needs separate general liability, commercial property and workers' compensation insurance to protect itself. [9](https://www.embroker.com/coverage/surety-bonds/ "Construction Bonds: Surety Bond Types & Cost") (Evidence: Company-reported; scope: Product-page What's Not Covered section..) |
| Limits and Retentions | Confirm in your quote. | Embroker says surety pricing is based mainly on the applicant's credit score, with a company with excellent credit typically paying 1-5% of the bond amount versus up to 20% for a company with poor credit; it gives a $50,000 bond as an example costing $500-$2,500 for good credit versus up to $10,000 for poor credit. [9](https://www.embroker.com/coverage/surety-bonds/ "Construction Bonds: Surety Bond Types & Cost") (Evidence: Company-reported; scope: Product-page 'What Do They Cost?' section; actual bond premiums depend on underwriting..) |
| Risk Services | BHSI says its surety team supports public-private partnership and project-delivery arrangements. [5](https://www.bhspecialty.com/us-products/us-surety/ "Surety") (Evidence: Company-reported; scope: The page does not specify the scope or availability of that support for an individual account..) | Confirm in your quote. |
| How to Apply | Confirm in your quote. | Embroker directs applicants to identify the specific bond type and bonding amount needed, then get a quote through its platform; it says most developers will also require proof of general liability, commercial property and workers' compensation insurance before hiring a bonded contractor. [9](https://www.embroker.com/coverage/surety-bonds/ "Construction Bonds: Surety Bond Types & Cost") (Evidence: Company-reported; scope: Product-page 'How to Secure a Construction Surety Bond' and 'What's Not Covered' sections; no quote was requested during this research..) |

## Related Pages for Berkshire Hathaway Specialty Insurance vs Embroker

- [Berkshire Hathaway Specialty Insurance vs Embroker](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker): all coverage lines, business roles, service and claims.
- [What Are Surety Bonds?](https://spot.insure/coverage/surety-bonds): A surety bond guarantees a specific obligation your business owes to a customer, contracting party or agency; it does not insure your own losses.
- [Berkshire Hathaway Specialty Insurance vs Embroker Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/commercial-property)
- [Berkshire Hathaway Specialty Insurance vs Embroker Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/crime)
- [Berkshire Hathaway Specialty Insurance vs Embroker Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/cyber)
- [Berkshire Hathaway Specialty Insurance vs Embroker D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/directors-officers)
- [Berkshire Hathaway Specialty Insurance vs Embroker Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/employment-practices)
- [Berkshire Hathaway Specialty Insurance vs Embroker Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/fiduciary)
- [Berkshire Hathaway Specialty Insurance vs Embroker General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/general-liability)
- [Berkshire Hathaway Specialty Insurance vs Embroker Product Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/product-liability)
- [Berkshire Hathaway Specialty Insurance vs Embroker Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/professional-errors-omissions)
- [Berkshire Hathaway Specialty Insurance vs Embroker Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/technology-errors-omissions)
- [Aon vs Berkshire Hathaway Specialty Insurance Surety Bonds](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/surety-bonds)
- [Aon vs Embroker Surety Bonds](https://spot.insure/compare/aon-vs-embroker/surety-bonds)
- [The Baldwin Group vs Berkshire Hathaway Specialty Insurance Surety Bonds](https://spot.insure/compare/baldwin-vs-berkshire-hathaway-specialty-insurance/surety-bonds)
- [The Baldwin Group vs Embroker Surety Bonds](https://spot.insure/compare/baldwin-vs-embroker/surety-bonds)
- [Berkshire Hathaway Specialty Insurance vs Chubb Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/surety-bonds)
- [Berkshire Hathaway Specialty Insurance vs CNA Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cna/surety-bonds)

## Sources for Berkshire Hathaway Specialty Insurance vs Embroker

### Sources About Berkshire Hathaway Specialty Insurance

1. [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.
2. [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.
3. [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.
4. [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.
5. [Surety](https://www.bhspecialty.com/us-products/us-surety/). Berkshire Hathaway Specialty Insurance; Retained canonical source record locator: U.S. Surety product highlights list performance, payment, advance-payment, maintenance, supply and warranty bonds; target contractors and construction suppliers/services; lines 6–32. Prior access 2026-09-28; direct re-open failed in this session.. Accessed 2026-09-28.

### Sources About Embroker

6. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
7. [Terms And Conditions](https://www.embroker.com/terms/). Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
8. [Embroker Access](https://access.embroker.com/). Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
9. [Construction Bonds: Surety Bond Types & Cost](https://www.embroker.com/coverage/surety-bonds/). Embroker; What are they?; What Is a Construction Bond?; Types of Construction Bonds; Who are Surety Bonds for?; What Do They Cover?; What's Not Covered?; What Do They Cost?. Accessed 2026-09-23.

### Sources for the Surety Bonds Guide

10. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Surety Bond; Fidelity. Accessed 2026-09-16.
11. [Surety bonds](https://www.sba.gov/funding-programs/surety-bonds). U.S. Small Business Administration; Opening guarantee of work completion; Contract or commercial bonds; Bid, Payment, Performance, Ancillary; Eligibility > credit, capacity, and character. Accessed 2026-09-16.
12. [40 U.S. Code § 3131 — Bonds of contractors of public buildings or works](https://www.law.cornell.edu/uscode/text/40/3131). Legal Information Institute, Cornell Law School, reproducing 40 U.S.C. § 3131; §3131(b) Type of Bonds Required — performance bond and payment bond. Accessed 2026-09-16.
13. [Surety Bonds](https://www.chubb.com/us-en/surety.html). Chubb; Construction Surety Bonds (performance, payment, maintenance); Commercial Surety Bonds (license and permit, court, commercial contract). Accessed 2026-09-16.
14. [Surety Bonds Insurance](https://www.harperinsure.com/coverages/surety-bonds). Harper; What is Surety Bonds insurance?; A bond is not insurance; License & permit bonds; Contract bonds — bid, performance, and payment; Is a bond the same as insurance?. Accessed 2026-09-16.

Updated 2026-10-01. 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.

## Berkshire Hathaway Specialty Insurance Review Scores for 2026

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).

## Embroker Review Scores for 2026

Review Score: 5.6 / 10 from 3 rated sources, equally weighted.

Embroker’s reviews are mixed, and BBB records a complaint-response concern. The feedback is too limited to establish consistent service quality.

- Trustpilot: TrustScore 2.9 (5); 2 reviews. Trustpilot review search using provider brand/domain; identity checked against the canonical insurance entity. Period: current page aggregate accessed 2026-09-25. Checked 2026-09-25. [Embroker Reviews | Read Customer Service Reviews](https://www.trustpilot.com/review/embroker.com)
- BBB: BBB business grade D+ (BBB letter grade). BBB business profile for Embroker, categorized as Small Business Insurance. Grade is BBB letter grade, not customer-star aggregate; complaint record is a product-issues billing/cancellation concern. Period: current profile; grade rationale includes 1 unanswered complaint. Checked 2026-09-25. [Embroker | BBB Business Profile](https://www.bbb.org/us/ca/san-francisco/profile/small-business-insurance/embroker-1116-974895)
- Birdeye: Combined office rating (Google + Birdeye sources) 3.9 (5); 19 reviews. Office-level listing at 24 Shotwell St, San Francisco; business profile links to embroker.com and categorizes it as Insurance. Birdeye displays combined rating from 18 Google-origin reviews plus 2 Birdeye-origin reviews. This is one office listing, not a firmwide aggregate; review dates displayed are old (examples from about five/six years before access date). Period: page accessed 2026-09-25; 17 Google-origin + 2 Birdeye-origin; displayed sample comments dated about 5-6 years earlier. Checked 2026-09-25. [Embroker - 20 Reviews - Insurance in San Francisco, CA | Birdeye](https://reviews.birdeye.com/embroker-150058735264881)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/embroker/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker/surety-bonds.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)