--- title: "Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers: General Liability Insurance" description: "Compare BHSI’s primary GL features and minimum premium with Heffernan’s broker placements and online on-demand option." canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/general-liability" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "berkshire-hathaway-specialty-insurance-vs-heffernan" provider-a: "berkshire-hathaway-specialty-insurance" provider-b: "heffernan" coverage-line: "general-liability" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/general-liability) ## Agent Guide **What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and Heffernan Insurance Brokers for General 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 General Liability Insurance questions about Berkshire Hathaway Specialty Insurance versus Heffernan Insurance Brokers. 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 Heffernan Insurance Brokers for General Liability Insurance: how do they differ? - Which is better for General Liability Insurance, Berkshire Hathaway Specialty Insurance or Heffernan Insurance Brokers? - What does Berkshire Hathaway Specialty Insurance or Heffernan Insurance Brokers publish about General Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for General Liability Insurance from Berkshire Hathaway Specialty Insurance or Heffernan Insurance Brokers? **Key facts:** - Line: General Liability Insurance. Providers: Berkshire Hathaway Specialty Insurance and Heffernan Insurance Brokers. - 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 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan) — parent: all coverage lines for this pair - [General Liability Insurance guide](https://spot.insure/coverage/general-liability) — coverage explainer for this line - [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) — provider profile (evidence) - [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile (evidence) - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/crime) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/cyber) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/employment-practices) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/fiduciary) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Berkshire Hathaway Specialty Insurance General Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/aig-vs-heffernan/general-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/general-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/general-liability) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Berkshire Hathaway Specialty Insurance General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/general-liability) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-heffernan/general-liability) — sibling comparison (other line, or other pair for this line) # Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers: How Do They Compare for General Liability Insurance? Compare BHSI’s primary GL features and minimum premium with Heffernan’s broker placements and online on-demand option. ## Research Scope and Use Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Heffernan Insurance Brokers for General 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. ## Summary BHSI markets primary GL with contractor and gradual-pollution features and a $50,000 policy minimum; Heffernan arranges standard placements and offers a Thimble-partnered online product with $1 million or $2 million limits. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") [11](https://www.heffins.com/short-term-general-liability/ "Short-Term General Liability") ## 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 Heffernan Insurance Brokers? Heffernan’s technology practice targets mid- and late-stage, venture-funded and pre-IPO companies; early-stage firms seeking a direct online quote should compare digital providers. It also offers claims consulting and workers’ compensation support. [7](https://www.heffins.com/about-us/our-story/ "Our Story") [8](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [9](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) ## 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. [12](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [13](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [14](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form") ## Key Differences in General Liability Insurance ### Primary policy features and two placement routes Berkshire Hathaway Specialty Insurance markets primary GL with contractor broad-form and gradual-pollution features. Heffernan places standard commercial GL through its brokerage, and separately distributes an on-demand product with Thimble that customers buy directly online. A buyer should distinguish a broker-negotiated commercial placement from the narrower short-term digital product before comparing forms, services or who issues coverage. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") [11](https://www.heffins.com/short-term-general-liability/ "Short-Term General Liability") ### Minimum premium and on-demand limits BHSI sets a $50,000 minimum premium per policy. Heffernan’s Thimble-partnered on-demand product advertises $1 million or $2 million GL limits and short-term pricing starting at $5. These values describe different models and terms; they are not comparable annual premiums. If you need ongoing coverage, ask Heffernan about the standard brokerage placement; if a short duration fits, confirm the on-demand product’s eligibility and period. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") [11](https://www.heffins.com/short-term-general-liability/ "Short-Term General Liability") ## What to Confirm in General Liability Insurance Quotes - Ask BHSI for quoted limits and minimum premium applicability. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") - Ask Heffernan whether the proposal is standard commercial placement or the Thimble product and who underwrites it. [11](https://www.heffins.com/short-term-general-liability/ "Short-Term General Liability") ## Offering Details | Criteria | Primary general liability | Heffernan General Liability Insurance | | --- | --- | --- | | Role in This Line | Confirm in your quote. | Heffernan lists general liability among the basic coverages it places for business clients through its standard commercial-insurance brokerage, shopping insurers rather than underwriting the policy itself. [9](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Company-reported; scope: Business Insurance Brokerage page as read on 2026-09-23..)

Separately, Heffernan has partnered with Thimble Insurance Services to distribute an on-demand general liability product bought directly online, a distinct and narrower distribution model from its standard commercial brokerage placement. [11](https://www.heffins.com/short-term-general-liability/ "Short-Term General Liability") (Evidence: Company-reported; scope: Short-Term General Liability page as read on 2026-09-23..) | | Issuing Insurer | Confirm in your quote. | For the Thimble-partnered on-demand product, Heffernan says policies are underwritten by A-rated insurers, naming Markel Insurance Company. The reviewed pages for Heffernan's standard commercial general liability placements do not name an insurer. [11](https://www.heffins.com/short-term-general-liability/ "Short-Term General Liability") [9](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [10](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Short-Term General Liability page for the named insurer; Business Insurance and Small Business pages for the standard-placement gap, as read 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. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") (Evidence: Company-reported; scope: US casualty appetite guide dated 2026-07-15. Material limitation: Guide includes classes to avoid and $50,000 minimum policy premium; acceptance is underwritten..) | Heffernan's small-business division says it serves sole proprietors through fast-growing companies across industries including construction, food, health care, hospitality, nonprofits, real estate, technology, transportation, and vintners and growers, plus named specialty programs. [10](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Small Business Insurance page as read on 2026-09-23; no minimum size or exclusion was published..) | | Coverage Features | BHSI markets primary general liability, with contractor broad-form coverage, gradual-pollution features and flexible limits in its product overview. [6](https://www.bhspecialty.com/us-products/us-casualty/ "Casualty") (Evidence: Company-reported; scope: BHSI US specialty commercial primary GL. Material limitation: These are overview features, not universal policy grants; forms and endorsements vary..) | Heffernan describes general liability as covering bodily injury and property damage caused by a company, whether by its people or its products. [10](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Company-reported; scope: Small Business Insurance page as read on 2026-09-23; the reviewed pages do not list specific exclusions or endorsements..) | | Limits and Retentions | BHSI’s casualty appetite guide sets a $50,000 minimum premium per policy and lists primary GL as an eligible line. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Casualty-Appetite-Guide-US.pdf "Casualty Appetite Guide - U.S.") (Evidence: Company-reported; scope: 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..) | Heffernan's Thimble-partnered on-demand product advertises $1 million or $2 million general liability limits, with pricing starting at $5 for short terms. [11](https://www.heffins.com/short-term-general-liability/ "Short-Term General Liability") (Evidence: Company-reported; scope: Short-Term General Liability page as read on 2026-09-23; Thimble's own disclaimer says eligibility, pricing, and coverage vary by state, activity class, and other factors..)

For its standard commercial general liability placements, Heffernan's reviewed pages do not publish limit, retention, or premium ranges. [9](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [10](https://www.heffins.com/business-insurance/small-business/ "Small Business Insurance") (Evidence: Not publicly disclosed; scope: Business Insurance and Small Business Insurance pages as read on 2026-09-23..) | | Risk Services | Confirm in your quote. | For standard commercial clients, Heffernan says it provides claims services, loss control, HR consulting, and risk-management and assessment services alongside placed coverages such as general liability. [9](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Company-reported; scope: Business Insurance Brokerage page as read on 2026-09-23; not general liability-specific and not described for the Thimble-partnered on-demand product..) | | How to Apply | Confirm in your quote. | The Thimble-partnered product is bought directly online with no paper forms, producing an ACORD certificate of insurance in under 30 seconds according to Heffernan's page. [11](https://www.heffins.com/short-term-general-liability/ "Short-Term General Liability") (Evidence: Company-reported; scope: Short-Term General Liability page as read on 2026-09-23..) | ## Full Comparison - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan): all coverage lines, business roles, service and claims. - [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability can protect your business from covered injury and property-damage claims; your building, tools and stock need separate property coverage. - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/crime) - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/cyber) - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/employment-practices) - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/fiduciary) - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/professional-errors-omissions) - [AIG vs Berkshire Hathaway Specialty Insurance General Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/general-liability) - [AIG vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/aig-vs-heffernan/general-liability) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/general-liability) - [Alliance Risk vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/general-liability) - [Amelia Risk vs Berkshire Hathaway Specialty Insurance General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/general-liability) - [Amelia Risk vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-heffernan/general-liability) ## Sources ### 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. ### Heffernan Insurance Brokers 7. [Our Story](https://www.heffins.com/about-us/our-story/). Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16. 8. [Technology Company Insurance](https://www.heffins.com/business-insurance/technology/). Heffernan Insurance Brokers; Pre-IPO and venture-funded heading; mid to late stage specialization; global expansion copy; self-insurance strategies; Key Markets list; Why Heffernan broker history; Joseph Talmadge practice leader; FAQ. Accessed 2026-09-16. 9. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). Heffernan Insurance Brokers; Basic coverages Heffernan can provide include general liability, commercial property, commercial auto, workers' compensation, and global/foreign exposures, among others.. Accessed 2026-09-23. 10. [Small Business Insurance](https://www.heffins.com/business-insurance/small-business/). Heffernan Insurance Brokers; Tailor-Made Insurance for Small Businesses: sole proprietors to fast-growing companies; General liability insurance covers bodily injury and property damage caused by your company, by both people and products; industry list including Construction, Food Industry, Health Care, Hospitality, Nonprofits, Real Estate, Technology, Transportation, Vintners and Growers, Specialty Programs. Accessed 2026-09-23. 11. [Short-Term General Liability](https://www.heffins.com/short-term-general-liability/). Heffernan Insurance Brokers; Heffernan has partnered with Thimble Insurance Services; On-demand General Liability Insurance can be purchased for an hour, a day, or a month; Get your certificate of insurance in less than 30 seconds with $1 million coverage starting at $5; Buy a $1M or $2M General Liability policy ... in seconds; Rely on Verifly: All policies are underwritten by A-Rated insurers, including Markel Insurance Company; Eligibility, pricing and coverage may vary by state, activity/class and other factors. Accessed 2026-09-23. ### General Liability Insurance Guide 12. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16. 13. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). 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. 14. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). 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. Updated 2026-09-30. 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 Reviews 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). ## Heffernan Insurance Brokers Reviews Review Score: 5.2 / 10 from 1 rated source, equally weighted. Heffernan’s available review sample is small and local, with a low Google rating for one office. Check the team that would actually serve your business. - Google reviews (aggregated by Birdeye): Google local listing rating (displayed by Birdeye) 2.6 (5 stars); 5 reviews. Portland office listing at 5100 S Macadam Avenue, matching the official Heffernan locations directory; Birdeye identifies the original review platform as Google. Checked 2026-09-25. [Heffernan Insurance Brokers - Portland reviews](https://reviews.birdeye.com/heffernan-insurance-brokers-144140015138058) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/heffernan/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/general-liability.md) - [Developer resources](https://spot.insure/developers) - [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)