---
title: "Berkshire Hathaway Specialty Insurance vs Gallagher: Surety Bonds"
description: "Berkshire Hathaway Specialty Insurance lists six surety bond forms; Gallagher describes commercial bond services that may replace letters of credit and facilitate collateral release."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-gallagher/surety-bonds"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-gallagher"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "gallagher"
coverage-line: "surety-bonds"
---

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

## Agent Guide

**What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and Gallagher 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 Gallagher. 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 Gallagher for Surety Bonds: how do they differ?
- Which is better for Surety Bonds, Berkshire Hathaway Specialty Insurance or Gallagher?
- What does Berkshire Hathaway Specialty Insurance or Gallagher 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 Gallagher?

**Key facts:**
- Line: Surety Bonds. Providers: Berkshire Hathaway Specialty Insurance and Gallagher.
- 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 Gallagher](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-gallagher) — 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)
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile (evidence)
- [Berkshire Hathaway Specialty Insurance vs Gallagher Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-gallagher/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Gallagher Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-gallagher/crime) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Gallagher Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-gallagher/cyber) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Gallagher D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-gallagher/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-gallagher/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-gallagher/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Gallagher General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-gallagher/general-liability) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-gallagher/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Gallagher Representations and Warranties Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-gallagher/representations-warranties) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Gallagher Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-gallagher/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-gallagher/umbrella-excess) — 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 Gallagher Surety Bonds](https://spot.insure/compare/aon-vs-gallagher/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 Gallagher Surety Bonds](https://spot.insure/compare/baldwin-vs-gallagher/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 Gallagher: How Do They Compare for Surety Bonds?

Berkshire Hathaway Specialty Insurance lists six surety bond forms; Gallagher describes commercial bond services that may replace letters of credit and facilitate collateral release.

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

Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Gallagher 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 Gallagher Surety Bonds Summary

Berkshire Hathaway Specialty Insurance lists performance, payment, advance-payment, maintenance, supply and warranty bonds; Gallagher describes replacing letters of credit with commercial bonds and facilitating collateral release. [5](https://www.bhspecialty.com/us-products/us-surety/ "Surety") [11](https://www.ajg.com/insurance/commercial-surety-bonds/ "Surety")

## 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 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. [6](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [8](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [9](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [10](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## 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. [12](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [13](https://www.sba.gov/funding-programs/surety-bonds "Surety bonds") [14](https://www.law.cornell.edu/uscode/text/40/3131 "40 U.S. Code § 3131 — Bonds of contractors of public buildings or works") [15](https://www.chubb.com/us-en/surety.html "Surety Bonds") [16](https://www.harperinsure.com/coverages/surety-bonds "Surety Bonds Insurance")

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

### Project delivery and commercial obligations

Berkshire Hathaway Specialty Insurance lists performance, payment, advance-payment, maintenance, supply and warranty bonds. Gallagher distinguishes commercial surety (including license, court, public official and customs bonds) from contract surety for construction. A buyer with a regulatory or court obligation can compare Gallagher’s listed commercial categories with the construction forms in BHSI’s list; the obligee’s required form determines the match. [5](https://www.bhspecialty.com/us-products/us-surety/ "Surety") [11](https://www.ajg.com/insurance/commercial-surety-bonds/ "Surety")

### Financing and existing programs

Gallagher reports a case in which it placed commercial surety bonds instead of letters of credit for $60 million in power-purchase obligations, and says its team can work with existing programs and facilitate collateral release. BHSI’s reviewed catalogue lists bond forms, while Gallagher’s cited example describes replacing letters of credit and facilitating collateral release. If an existing obligation ties up a letter of credit, ask Gallagher whether a bond fits the same requirement and compare the proposed form with BHSI’s list. [11](https://www.ajg.com/insurance/commercial-surety-bonds/ "Surety") [5](https://www.bhspecialty.com/us-products/us-surety/ "Surety")

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

- Ask Gallagher whether replacing your letter of credit changes collateral or indemnity requirements. [11](https://www.ajg.com/insurance/commercial-surety-bonds/ "Surety")
- Ask BHSI which listed bond form it would consider for the obligation. [5](https://www.bhspecialty.com/us-products/us-surety/ "Surety")
- Match bond form, obligee, penal sum and collateral conditions to the contract. [11](https://www.ajg.com/insurance/commercial-surety-bonds/ "Surety")

## Berkshire Hathaway Specialty Insurance vs Gallagher Surety Bonds Compared

| Criteria | U.S. Surety | Gallagher Commercial Surety Bonds |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | Gallagher places commercial surety bonds as a three-party arrangement between the client (principal), the party requiring the bond (obligee) and a surety company; Gallagher brokers the bond rather than acting as the surety itself. [11](https://www.ajg.com/insurance/commercial-surety-bonds/ "Surety") (Evidence: Company-reported; scope: Group-level commercial surety practice page..) |
| Issuing Insurer | Confirm in your quote. | The commercial surety page describes relationships with "leadership at all major surety companies" but does not name the specific surety that would issue a given client's bond. [11](https://www.ajg.com/insurance/commercial-surety-bonds/ "Surety") (Evidence: Not publicly disclosed; scope: Checked the group-level commercial surety practice page..) |
| 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..) | Gallagher says it serves commercial surety clients across healthcare, financial services, public utilities, and private and public companies, for both domestic and international projects, and separately lists surety bond programs as a recommended coverage for small IT and technology businesses. [11](https://www.ajg.com/insurance/commercial-surety-bonds/ "Surety") [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") (Evidence: Company-reported; scope: Group-level commercial surety practice page and the small-business technology-services page..) |
| 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..) | Gallagher says it places license and permit bonds, court bonds, public official bonds and customs bonds under its commercial surety practice, distinct from contract (construction) surety bonds, which it treats as a separate related product. [11](https://www.ajg.com/insurance/commercial-surety-bonds/ "Surety") (Evidence: Company-reported; scope: Group-level commercial surety practice page; a service-menu description, not a specific bond's terms..) |
| Limits and Retentions | Confirm in your quote. | The commercial surety page does not publish standard bond amounts, premium rates or collateral requirements; these vary by bond type and client. [11](https://www.ajg.com/insurance/commercial-surety-bonds/ "Surety") (Evidence: Not publicly disclosed; scope: Checked the group-level commercial surety practice page..) |
| 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..) | Gallagher says its surety team can help replace letters of credit with bonds, work with a client's existing surety program, and facilitate collateral release, citing a case where it placed commercial surety bonds in place of letters of credit to support $60 million in power-purchase obligations for an energy-company client. [11](https://www.ajg.com/insurance/commercial-surety-bonds/ "Surety") (Evidence: Company-reported; scope: Group-level commercial surety practice page case study; a single company-reported example, not independently verified..) |

## Related Pages for Berkshire Hathaway Specialty Insurance vs Gallagher

- [Berkshire Hathaway Specialty Insurance vs Gallagher](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-gallagher): 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 Gallagher Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-gallagher/commercial-property)
- [Berkshire Hathaway Specialty Insurance vs Gallagher Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-gallagher/crime)
- [Berkshire Hathaway Specialty Insurance vs Gallagher Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-gallagher/cyber)
- [Berkshire Hathaway Specialty Insurance vs Gallagher D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-gallagher/directors-officers)
- [Berkshire Hathaway Specialty Insurance vs Gallagher Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-gallagher/employment-practices)
- [Berkshire Hathaway Specialty Insurance vs Gallagher Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-gallagher/fiduciary)
- [Berkshire Hathaway Specialty Insurance vs Gallagher General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-gallagher/general-liability)
- [Berkshire Hathaway Specialty Insurance vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-gallagher/professional-errors-omissions)
- [Berkshire Hathaway Specialty Insurance vs Gallagher Representations and Warranties Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-gallagher/representations-warranties)
- [Berkshire Hathaway Specialty Insurance vs Gallagher Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-gallagher/technology-errors-omissions)
- [Berkshire Hathaway Specialty Insurance vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-gallagher/umbrella-excess)
- [Aon vs Berkshire Hathaway Specialty Insurance Surety Bonds](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/surety-bonds)
- [Aon vs Gallagher Surety Bonds](https://spot.insure/compare/aon-vs-gallagher/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 Gallagher Surety Bonds](https://spot.insure/compare/baldwin-vs-gallagher/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 Gallagher

### 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 Gallagher

6. [Technology Insurance](https://www.ajg.com/industries/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.
7. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). 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.
8. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/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.
9. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
10. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
11. [Surety](https://www.ajg.com/insurance/commercial-surety-bonds/). Gallagher; Surety relationships that convert to future growth; Understanding commercial surety vs. contract surety bonds; Providing assurance that keeps business moving (License and permit bonds, Court bonds, Public official bonds, Customs bonds); The Gallagher Difference case study; Commercial Surety and Bonds Summary. Accessed 2026-09-23.

### Sources for the Surety Bonds Guide

12. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Surety Bond; Fidelity. Accessed 2026-09-16.
13. [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.
14. [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.
15. [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.
16. [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).

## Gallagher Review Scores for 2026

Review Score: 9.3 / 10 from 3 rated sources, equally weighted.

Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.

- J.D. Power: Broker satisfaction rank/score 2nd / 855 (Rank / 1,000-point score). 2017 US/Canada large-commercial broker study; participating organizations had at least $100m annual revenue or operating budget; not small-business-specific. Period: 2017 study. Checked 2026-09-25. [JD Power 2017 Large Commercial Insurance Study](https://www.jdpower.com/business/press-releases/jd-power-2017-large-commercial-insurance-study)
- Trustpilot: TrustScore 4.6 (5 stars); 8190 reviews. Global Arthur J. Gallagher & Co. brand profile; mixed countries and insurance lines, not US commercial-only. Period: 976 reviews in prior 12 months; observed 2026-09-25. Checked 2026-09-25. [Gallagher Reviews | Trustpilot](https://www.trustpilot.com/review/www.ajg.com)
- BBB: BBB grade A+ (BBB letter grade). BBB corporate headquarters profile for Gallagher, Rolling Meadows, Illinois. Checked 2026-09-25. [Gallagher | BBB Business Profile](https://www.bbb.org/us/il/rolling-meadows/profile/insurance-companies/gallagher-0654-23000270)

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

## Agent and Developer Resources

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