---
title: "Berkshire Hathaway Specialty Insurance vs Gallagher: Umbrella and Excess Liability Insurance"
description: "Berkshire Hathaway Specialty Insurance markets lead umbrella and excess casualty as a U.S. product line; Gallagher’s casualty practice places umbrella and excess liability with outside carriers as one part of a broader casualty program."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-gallagher/umbrella-excess"
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: "umbrella-excess"
---

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

## Agent Guide

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

**Use this page when:** Cite or fetch this for Umbrella and Excess Liability Insurance 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 Umbrella and Excess Liability Insurance: how do they differ?
- Which is better for Umbrella and Excess Liability Insurance, Berkshire Hathaway Specialty Insurance or Gallagher?
- What does Berkshire Hathaway Specialty Insurance or Gallagher publish about Umbrella and Excess Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Umbrella and Excess Liability Insurance from Berkshire Hathaway Specialty Insurance or Gallagher?

**Key facts:**
- Line: Umbrella and Excess Liability Insurance. 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
- [Umbrella and Excess Liability Insurance guide](https://spot.insure/coverage/umbrella-excess) — 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 Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-gallagher/surety-bonds) — 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)
- [AIG vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/umbrella-excess) — sibling comparison (other line, or other pair for this line)

# Berkshire Hathaway Specialty Insurance vs Gallagher: How Do They Compare for Umbrella and Excess Liability Insurance?

Berkshire Hathaway Specialty Insurance markets lead umbrella and excess casualty as a U.S. product line; Gallagher’s casualty practice places umbrella and excess liability with outside carriers as one part of a broader casualty program.

## How to Use the Berkshire Hathaway Specialty Insurance vs Gallagher Umbrella and Excess Liability Insurance Comparison

Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Gallagher for Umbrella and Excess Liability Insurance 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 Umbrella and Excess Liability Insurance Summary

Berkshire Hathaway Specialty Insurance markets lead umbrella and excess casualty as an explicit U.S. product line. Gallagher says its casualty practice places umbrella and excess liability with outside carriers as one line within a broader casualty program; these descriptions do not identify a policy-specific issuer. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") [12](https://www.ajg.com/insurance/casualty-insurance/ "Casualty 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](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. [7](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [8](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [9](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [10](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [11](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 Is Umbrella and Excess Liability Insurance?

Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. [13](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance "Liability Insurance") [14](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [15](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm "Lines of Insurance") [16](https://www.coverdash.com/coverage "Coverage Hub") [17](https://kinro.com/products "Products")

## What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Gallagher Umbrella and Excess Liability Insurance?

### Capacity Reference and Program Design

Berkshire Hathaway Specialty Insurance’s guide names lead umbrella, follow-form excess, and retained-limit forms, with $10 million excess capacity for selected risks. Gallagher describes designing casualty-program structure, coverage, limits, and pricing around a client’s needs rather than listing a standard umbrella capacity figure. Buyers should treat the first as a selective guide reference and the second as a practice-level design approach, then compare written limits and attachments from the actual market. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [12](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance")

### Policy Features and Advisory Work

Berkshire Hathaway Specialty Insurance’s umbrella/excess marketing overview lists pollution and contractor-form features. Gallagher describes casualty-practice services including meetings with finance, HR, operations, and risk teams, coverage-gap and contract-form review, plus claims and loss-control advocacy. Gallagher scopes these services across casualty lines rather than solely umbrella. A buyer can ask how its review addresses an umbrella layer while separately checking Berkshire Hathaway Specialty Insurance’s policy-specific endorsement wording. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") [12](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance")

## What Should You Confirm in Berkshire Hathaway Specialty Insurance and Gallagher Umbrella and Excess Liability Insurance Quotes?

- Ask Berkshire Hathaway Specialty Insurance which listed form and selected-risk capacity could be quoted for the schedule. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.")
- Ask Gallagher how its casualty gap and contract review addresses the requested umbrella placement. [12](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance")

## Berkshire Hathaway Specialty Insurance vs Gallagher Umbrella and Excess Liability Compared

| Criteria | Lead umbrella and excess casualty | Gallagher Umbrella/Excess Liability Insurance |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | Gallagher's Casualty practice places umbrella and excess liability coverage with outside carriers as one line within a broader casualty program; it does not underwrite the policy. [12](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Group-level casualty practice page..) |
| Issuing Insurer | Confirm in your quote. | The casualty practice page does not name the insurer that would issue a given client's umbrella or excess policy. [12](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level casualty practice page..) |
| Who It’s For | BHSI lists manufacturers/distributors, real estate, grocery, financial institutions, construction, energy and trucking as umbrella/excess targets. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") (Evidence: Company-reported; scope: BHSI US lead umbrella/excess casualty targets. Material limitation: Targets remain subject to restrictions and underwriting appetite..) | The casualty practice page does not name a target industry, size or minimum premium for umbrella/excess placements; it describes the practice generally as serving clients with a broader casualty program. [12](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level casualty practice page on 2026-09-23..) |
| Coverage Features | BHSI markets lead umbrella and excess casualty as an explicit product line and lists pollution/contractor-form features. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") (Evidence: Company-reported; scope: US commercial casualty placements. Material limitation: Marketing overview; the manuscript and broker-specific forms require underwriting..) | Gallagher groups umbrella/excess liability with automobile liability, workers' compensation and general/product liability under its casualty practice, offering "customized excess casualty program design and placement" and non-traditional alternative risk programs, but does not describe specific attachment points, exclusions or triggers. [12](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Group-level casualty practice page; a service description, not a specific policy's insuring agreement..) |
| Limits and Retentions | The appetite guide lists lead umbrella, follow-form excess and retained-limit forms, with $10 million excess capacity and more for selected risks. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") (Evidence: Company-reported; scope: Select risks in the guide’s US casualty appetite. Material limitation: Capacity is not a quote or universally available layer; “more” is risk-selective..) | The casualty practice page does not publish specific umbrella/excess limits, attachment points or premium ranges; it says program structure, coverage, limits and pricing are designed to fit the client's current and future needs. [12](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") (Evidence: Not publicly disclosed; scope: Checked the group-level casualty practice page..) |
| Risk Services | Confirm in your quote. | Gallagher describes pre-renewal meetings with a client's finance, HR, operations and risk-management stakeholders, a gap analysis and contract/form review to close coverage gaps between policies, and a dedicated claims and loss-control advocacy group that reviews legacy loss information to build claim-mitigation and loss-prevention programs. [12](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Group-level casualty practice page; described at the practice level across all casualty lines, not exclusively for umbrella/excess..) |

## 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 Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella or excess insurance can add liability limits above selected underlying policies when a covered claim exceeds them; compare the schedule and any gaps.
- [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 Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-gallagher/surety-bonds)
- [Berkshire Hathaway Specialty Insurance vs Gallagher Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-gallagher/technology-errors-omissions)
- [AIG vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/umbrella-excess)
- [AIG vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/aig-vs-gallagher/umbrella-excess)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/umbrella-excess)
- [Alliance Risk vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/umbrella-excess)
- [Amelia Risk vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/umbrella-excess)
- [Amelia Risk vs Gallagher Umbrella and Excess Liability Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/umbrella-excess)

## 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. [Casualty Appetite Guide - U.S.](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf). 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.
6. [Casualty](https://www.bhspecialty.com/us-products/us-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.

### Sources About Gallagher

7. [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.
8. [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.
9. [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.
10. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
11. [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.
12. [Casualty Insurance](https://www.ajg.com/insurance/casualty-insurance/). Gallagher; Holistic approach for better insurance and risk management in casualty: Automobile Liability, Workers Compensation, General/Product Liability, Umbrella/Excess Liability and alternative forms of risk transfer; Robust casualty risk analysis process; Casualty Practice Summary. Accessed 2026-09-23.

### Sources for the Umbrella and Excess Liability Insurance Guide

13. [Liability Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/liability-insurance). Insurance Information Institute; Heading Umbrella Liability Insurance; sentence Umbrella Liability—also known as Excess Liability Insurance; underlying policies listed with limits; typically GL, auto and employers’ liability; starts when a covered loss exhausts the primary per occurrence limit; Most umbrella policies exclude EPL, professional liability, product recall, workers compensation, asbestos, pollution, war and terrorism. Accessed 2026-09-16.
14. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Umbrella; excess over a basic liability policy; auto/CGL/WC or any liability policy can be covered; may respond if basic policy not in force or for gaps; SIR when no underlying. Accessed 2026-09-16.
15. [Lines of Insurance](https://www.insurance.ca.gov/0200-industry/0050-renew-license/0200-requirements/casualty/lines-of-ins.cfm). California Department of Insurance; Umbrella or Excess Liability Policy: excess limits over existing liability; may provide additional coverages not provided by underlying policies. Accessed 2026-09-16.
16. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Excess & Specialty: Umbrella; Excess Liability. Accessed 2026-09-16.
17. [Products](https://kinro.com/products). Kinro; 09 Umbrella/Excess: additional limits above scheduled underlying policies; when to review; reviewed with. 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

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