Berkshire Hathaway Specialty Insurance vs 
Gallagher: How Do They Compare for Commercial Property Insurance?
Gallagher describes repair or replacement of buildings, equipment and store fixtures after events such as fire, windstorm or break-in. BHSI lists all-risk and selected earthquake, flood and windstorm offerings, subject to state, risk and capacity; only one matched coverage dimension is established. 5,12
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. 1,2,3,4
Read the Berkshire Hathaway Specialty Insurance profile
Read the Berkshire Hathaway Specialty Insurance Commercial Property Insurance page
What Is Gallagher?
Gallagher’s technology specialists serve startups through global enterprises, while its executive-risk team supports IPO and M&A needs; small firms seeking one simple digital quote should compare online agencies. 7,8,9,10,11
What Is Commercial Property Insurance?
Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. 14,15,16
What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Gallagher Commercial Property Insurance?
Evidence hold: property and peril coverage
Gallagher describes building, equipment and store-fixture protection after events such as fire, windstorm or break-in, subject to the issued policy. BHSI lists all-risk property and selected earthquake, flood and windstorm offerings, subject to state, risk and capacity. These are coverage descriptions to compare against actual forms; the public examples alone do not establish equivalent perils. 12 5
Evidence hold: buyer criteria do not match
Gallagher recommends property coverage for businesses that own or rent buildings, stores or offices, hold inventory, or rely on valuable equipment and tools. BHSI names target sectors including public entities, finance, healthcare, education, manufacturing and retail. Gallagher’s property-use examples and BHSI’s industry list are different criteria, so they do not supply a second like-for-like buyer comparison. 12 5
What Should You Confirm in Berkshire Hathaway Specialty Insurance and Gallagher Commercial Property Insurance Quotes?
- Which scheduled building, equipment and fixture losses are covered by Gallagher’s quoted form? 12
- What second buyer criterion can be compared with Gallagher’s property-use profile using an affirmative BHSI source? 5
Evidence status: HOLD — only one possible paired dimension is documented.
Berkshire Hathaway Specialty Insurance and Gallagher Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Berkshire Hathaway Specialty Insurance Review Score
Review Score
No reviews found
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.[5][7]
Read Berkshire Hathaway Specialty Insurance reviewsGallagher Review Score
Review Score
3 rated sources
Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.[2][4][6]
Read Gallagher reviewsBerkshire Hathaway Specialty Insurance vs Gallagher Commercial Property Compared
Berkshire Hathaway Specialty Insurance vs Gallagher: Commercial Property Insurance: documented features by provider
| Criteria | Commercial property all-risk and selected single-peril/catastrophe offerings | Gallagher Small Business Building & Property Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | Gallagher Small Business arranges building and property insurance with partner carriers rather than underwriting it; its larger property practice separately brokers property programs with underwriters for bigger accounts. 12,13Company-reported. Small-business product page and the group-level property practice page. |
| Issuing Insurer | Confirm in your quote. | The buildings-and-property product page does not name the insurer that would issue a given business's policy. 12Not publicly disclosed. Checked the buildings-and-property product page on 2026-09-23. |
| Who It’s For | BHSI targets property portfolios in sectors including public entities, finance, healthcare, education, manufacturing and retail. 5Company-reported. Commercial property risks described by BHSI. Material limitation: Target-sector language is not a complete appetite guide or individual acceptance commitment. | Gallagher recommends this coverage for businesses that own or rent a building, store or office, own or rent expensive equipment or tools, hold inventory, or depend on other valuable business assets. 12Company-reported. Product page "Do you need Building and Property Coverage?" list; actual acceptance depends on underwriting. |
| Coverage Features | BHSI lists all-risk commercial property and selected single-peril offerings such as earthquake, flood and windstorm. 5Company-reported. US commercial property risks. Material limitation: Single-peril availability is separate from all-risk and depends on peril, state, risk and capacity. | Gallagher describes building and property coverage as paying to repair or replace stolen, lost or damaged business property, including the building, equipment and store fixtures, after events such as fire, windstorm or a break-in. 12Company-reported. Product page coverage overview; the issued policy and its exclusions control. Gallagher notes that commercial landlords insure their own building but not a tenant's property inside it, and that most small-business lenders require proof of commercial property insurance for the life of a mortgage. 12Company-reported. Product page context; specific lender or landlord requirements vary by lease and loan agreement. |
| Limits and Retentions | BHSI’s general property appetite guide lists a $100,000 minimum premium per policy for BHSI’s share and $100 million working-layer capacity, with more capacity for selected risks. 6Company-reported. U.S. general property appetite in guide dated 2026-02-10; per-policy premium applies to BHSI share. Material limitation: Working capacity is not an insured policy limit or quote. “More for select risks” is selective. Final terms, exclusions, issuer and availability require the policy/submission. | The buildings-and-property product page does not publish limits, deductibles or premiums; it routes buyers to an advisor inquiry form instead. 12Not publicly disclosed. Checked the buildings-and-property product page on 2026-09-23. |
| Risk Services | Confirm in your quote. | Gallagher's group-level property practice lists appraisal services and global program placement among its property offerings, though these are described at the practice level rather than tied to the small-business product page. 13Company-reported. ajg.com property practice page; not confirmed as included in every small-business placement. |
| How to Apply | Confirm in your quote. | Gallagher's buildings-and-property page routes buyers to a Connect With An Advisor form asking for company details, business description, additional coverage interests, employee count and annual revenue. 12Company-reported. Product page inquiry form, inspected without submission. |
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Sources for Berkshire Hathaway Specialty Insurance vs Gallagher
Sources About Berkshire Hathaway Specialty Insurance
- At A Glance. 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.
- 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.
- Terms of Service. 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.
- Public Disclosure — 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.
- Property. Berkshire Hathaway Specialty Insurance; All-risk, single-peril, catastrophe, inland/ocean marine and builder's risk offerings; target account descriptions. Accessed 2026-09-28.
- General Property Appetite Guide. Berkshire Hathaway Specialty Insurance; Page 1: minimum premium, product/forms, territory, attachment and working capacity; page 2 footer identifies 2026-02-10 A; lines 0-9, 89-99. Accessed 2026-09-28.
Sources About Gallagher
- Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
- Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
- Executive and Financial Risk Insurance. Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
- Buildings and Property. Gallagher Small Business; Coverage Overview; Do you need Building and Property Coverage?; Connect With An Advisor form, including Additional Coverage Areas checklist. Accessed 2026-09-23.
- Property Insurance. Gallagher; Introduction on building property programs with underwriters; Our services include: Builder's risk, Boiler and machinery; global reach; Appraisal services. Accessed 2026-09-16.
Sources for the Commercial Property Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; What Should I Expect from a Broker-Agent; Commercial Property: Coverage Sections, Limits of Insurance, and Coinsurance; Covered Causes of Loss; Valuation Types; Inland Marine. Accessed 2026-09-16.
- Business Interruption Insurance/Businessowner’s Policies (BOP). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16.
- Commercial property insurance guide. Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your insurance. Accessed 2026-09-16.
