Berkshire Hathaway Specialty Insurance vs 
Gallagher: How Do They Compare for Representations and Warranties 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
Read the Berkshire Hathaway Specialty Insurance profile
Read the Berkshire Hathaway Specialty Insurance Representations and Warranties 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
Read the Gallagher Representations and Warranties Insurance page
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. 12,13,14
What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Gallagher Representations and Warranties Insurance?
Transaction analysis and policy design
Berkshire Hathaway Specialty Insurance describes R&W as a way to extend protection beyond negotiated caps and survival periods and potentially reduce seller escrow. Gallagher’s Executive and Financial Risk practice places R&W with outside carriers and describes pre-transaction diligence, market selection and custom policy forms for buyers and sellers. The buyer’s deal team can compare BHSI’s insurer product discussion with Gallagher’s brokerage-led diligence and placement work, then evaluate the terms each market offers. 6 9
Specialist support
Gallagher says dedicated attorneys assist transactional-insurance placements from start to finish. BHSI’s 2025 overview reports portfolio-wide capacity, not a current transaction commitment, and does not describe a comparable deal-lawyer service in the reviewed claims. If counsel coordination matters, ask Gallagher what the attorneys handle and ask BHSI who will answer transaction-diligence questions. Compare the offered insurer, retention and exclusions in each proposal. 9 6
What Should You Confirm in Berkshire Hathaway Specialty Insurance and Gallagher Representations and Warranties Insurance Quotes?
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 Representations and Warranties Compared
Berkshire Hathaway Specialty Insurance vs Gallagher: Representations and Warranties Insurance: documented features by provider
| Criteria | Transactional Liability Representations & Warranties Insurance | Gallagher M&A Transactional Insurance (Representations and Warranties) |
|---|---|---|
| Role in This Line | Confirm in your quote. | Gallagher's Executive and Financial Risk practice places representations and warranties (R&W) insurance for mergers and acquisitions with outside carriers; it does not underwrite the policy. 9Company-reported. Group-level executive-and-financial-risk practice page. |
| Issuing Insurer | Confirm in your quote. | The executive-and-financial-risk page does not name the insurer that would issue a given transaction's R&W policy. 9Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page. |
| Who It’s For | The current page lists manufacturing, financial institutions, technology, real estate, energy, healthcare and retail as transactional-liability target sectors. 5Company-reported. Portfolio target sectors, not R&W-only acceptability criteria. | Gallagher also markets R&W insurance specifically to special-purpose acquisition companies (SPACs), bundling it with D&O coverage across the IPO and de-SPAC process for the business combination. 9Company-reported. Group-level executive-and-financial-risk practice page, SPAC subsection. |
| Coverage Features | BHSI’s current U.S. Transactional Liability page and linked overview name Representations and Warranties Insurance as a product. 5,6Company-reported. Direct U.S. product listing; final coverage depends on transaction-specific contract terms. The U.S. overview describes R&W insurance as adding protection beyond negotiated caps and survival periods and as potentially reducing seller escrow. 6Company-reported. Company-reported transactional use cases; not a promise of clean exit, outcome or standardized policy response. | Gallagher describes providing analysis, custom policy forms and pre-transaction diligence to select markets and deliver R&W and tax-mitigation coverage for both buyers and sellers in M&A deals. 9Company-reported. Group-level executive-and-financial-risk practice page; a service description, not a specific policy's insuring agreement or exclusions. |
| Limits and Retentions | The 2025 U.S. Transactional Liability overview states portfolio capacity up to $25 million and says premiums/retentions vary with transaction size and risks. 6Company-reported. Portfolio-wide underwriting capacity, not a guaranteed R&W limit or quote; document dated 2025-05-16-A. | The page does not publish specific R&W limits, retentions or premium ranges. 9Not publicly disclosed. Checked the group-level executive-and-financial-risk practice page. |
| Risk Services | Confirm in your quote. | Gallagher says it has several dedicated attorneys who assist with M&A transactional insurance placements, including R&W, from start to finish. 9Company-reported. Group-level executive-and-financial-risk practice page. |
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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.
- 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.
- Transactional Liability Overview. 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.
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; M&A Transactional Insurance, including Representations and Warranties and Tax Mitigation Insurance section; Special-Purpose Acquisition Companies (SPACs) section. Accessed 2026-09-23.
- 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.
Sources for the Representations and Warranties Insurance Guide
- Transaction liability insurance | Representation and indemnities insurance. 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.
- Mergers & Acquisitions. Beazley; Product overview: buyer and seller protection for inaccuracies in representations or warranties. Accessed 2026-09-16.
- Transactional Risk Insurance. Coverdash; Transactional risk insurance; representations and warranties coverage; buy-side policies; tax and contingent liability products. Accessed 2026-09-16.
