Berkshire Hathaway Specialty Insurance vs 
Gallagher: How Do They Compare for General Liability Insurance?
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
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 General Liability Insurance?
General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. 13,14,15
Key Differences in General Liability Insurance
Form features compared with covered expense detail
Berkshire Hathaway Specialty Insurance markets primary GL with contractor broad-form and gradual-pollution features. Gallagher describes potential GL expenses including investigation and defense, court costs, settlements or judgments, medical expenses for injured third parties and required bond premiums. A buyer can use the Gallagher list to check expense treatment and ask BHSI how its policy addresses those items, alongside the contractor-specific language. 6 12
Large-account threshold and quote access
BHSI’s appetite guide sets a $50,000 minimum premium per policy. Gallagher offers an online quote form, a small-business advisor phone line and scheduled callbacks. That difference may affect where a small business starts: BHSI states a high minimum, while Gallagher explicitly describes small-business assistance. Gallagher’s channels do not guarantee placement or a particular insurer, so request the proposed policy details before comparing. 5 12
What to Confirm in General Liability Insurance Quotes
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
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
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 reviewsOffering Details
Berkshire Hathaway Specialty Insurance vs Gallagher: General Liability Insurance: documented features by provider
| Criteria | Primary general liability | Gallagher Small Business General Liability Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | Gallagher Small Business arranges general liability coverage with partner carriers rather than underwriting the policy itself. 12Company-reported. Gallagher Small Business's direct-to-small-business general liability product page. |
| Issuing Insurer | Confirm in your quote. | The general liability product page does not name the insurer that would issue a given business's policy. 12Not publicly disclosed. Checked the general liability product page on 2026-09-23. |
| Who It’s For | The casualty guide lists primary GL forms and identifies commercial real estate, retail/grocery, financial institutions, construction and energy as target classes. 5Company-reported. US casualty appetite guide dated 2026-07-15. Material limitation: Guide includes classes to avoid and $50,000 minimum policy premium; acceptance is underwritten. | Confirm in your quote. |
| Coverage Features | BHSI markets primary general liability, with contractor broad-form coverage, gradual-pollution features and flexible limits in its product overview. 6Company-reported. BHSI US specialty commercial primary GL. Material limitation: These are overview features, not universal policy grants; forms and endorsements vary. | Gallagher describes general liability as responding to third-party bodily injury, property damage, and libel, slander or defamation claims arising from a product, business operations, or acts by the business or people acting on its behalf. 12Company-reported. Product page coverage overview; the issued policy and its exclusions control. Gallagher lists covered expense types including claim investigation and defense costs, court costs, settlements or judgments, judgment interest, medical expenses for injured third parties, and premiums for any bonds a liability suit requires. 12Company-reported. Product page expense list; the issued policy and its exclusions control. |
| Limits and Retentions | BHSI’s casualty appetite guide sets a $50,000 minimum premium per policy and lists primary GL as an eligible line. 5Company-reported. Selected US casualty accounts under guide dated 2026-07-15. Material limitation: Minimum premium is appetite guidance, not a quoted price or guaranteed minimum for all products. | The general liability product page does not publish limits, deductibles or premiums; it directs prospective buyers to request a quote instead. 12Not publicly disclosed. Checked the general liability product page on 2026-09-23. |
| How to Apply | Confirm in your quote. | Gallagher offers an online quote form, a small business advisor phone line (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start a general liability quote. 12Company-reported. Product page "Get Covered Now" section. |
Full Comparison
More Berkshire Hathaway Specialty Insurance vs Gallagher Comparisons
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Sources
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.
- Casualty Appetite Guide - U.S. Berkshire Hathaway Specialty Insurance; Casualty appetite PDF page 1: $50K minimum premium, GL/products/lead umbrella/excess lines, selected $10M excess capacity, placement forms and target/avoided classes; guide dated 2026-07-15. Accessed 2026-09-28.
- Casualty. Berkshire Hathaway Specialty Insurance; US casualty product lines and features: Primary General Liability lines 10-34; Primary Products/Completed Operations Liability 35-44; Lead Umbrella and Excess Casualty 46-63. Accessed 2026-09-28.
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.
- General Liability. Gallagher Small Business; Coverage Overview; claim-cause examples (product-related injury, operations-related damage, libel/slander allegations); typical covered expenses list; Get Covered Now. Accessed 2026-09-23.
General Liability Insurance Guide
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
- Commercial General Liability Coverage Form. ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16.
