---
title: "Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers: Surety Bonds"
description: "Berkshire Hathaway Specialty Insurance targets construction contractors and suppliers; Heffernan offers Quick Insure bonds and a separate bond option within its marine-cargo programs."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/surety-bonds"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-heffernan"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "heffernan"
coverage-line: "surety-bonds"
---

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

## Agent Guide

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

**Key facts:**
- Line: Surety Bonds. 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 2026-10-01. 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
- [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)
- [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile (evidence)
- [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Cargo and Transit Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/commercial-property) — sibling comparison (other line, or other pair for this line)
- [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 General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/general-liability) — 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)
- [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Representations and Warranties Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/representations-warranties) — 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 Heffernan Insurance Brokers Surety Bonds](https://spot.insure/compare/aon-vs-heffernan/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 Heffernan Insurance Brokers Surety Bonds](https://spot.insure/compare/baldwin-vs-heffernan/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 Heffernan Insurance Brokers: How Do They Compare for Surety Bonds?

Berkshire Hathaway Specialty Insurance targets construction contractors and suppliers; Heffernan offers Quick Insure bonds and a separate bond option within its marine-cargo programs.

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

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

Berkshire Hathaway Specialty Insurance names regional through global contractors and suppliers; Heffernan describes on-demand surety for businesses and a bundled option for freight and logistics clients. [5](https://www.bhspecialty.com/us-products/us-surety/ "Surety") [9](https://www.heffins.com/surety-bonds/ "Surety Bonds") [10](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo")

## 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. [6](https://www.heffins.com/about-us/our-story/ "Our Story") [7](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [8](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage")

[Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan)

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

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

### General contract accounts and logistics programs

Berkshire Hathaway Specialty Insurance names regional, national and global contractors and construction suppliers or service firms among its target accounts. Heffernan describes Quick Insure bonds for any business needing a bond and separately lists surety within its Marine Cargo programs for freight forwarders and logistics companies. These are distinct routes; ask which program would address the obligation before comparing terms. [5](https://www.bhspecialty.com/us-products/us-surety/ "Surety") [9](https://www.heffins.com/surety-bonds/ "Surety Bonds") [10](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo")

### Bond types and service mechanics

Heffernan’s Quick Insure FAQ names performance, payment, and license/permit bonds. Its Marine Cargo page separately lists a surety option within that transportation program and describes in-house underwriting authority for the cargo program; that authority is not stated as a feature of Quick Insure bonds. BHSI lists advance-payment, maintenance, supply, and warranty forms in addition to performance and payment. Confirm which Heffernan route and bond form address your obligation. [9](https://www.heffins.com/surety-bonds/ "Surety Bonds") [10](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") [5](https://www.bhspecialty.com/us-products/us-surety/ "Surety")

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

- Ask Heffernan whether your bond will use Quick Insure or the Marine Cargo program. [9](https://www.heffins.com/surety-bonds/ "Surety Bonds")
- Ask BHSI whether it offers the obligee’s exact bond form and penal sum. [5](https://www.bhspecialty.com/us-products/us-surety/ "Surety")
- Confirm carrier, underwriting documents and timing for the selected route. [9](https://www.heffins.com/surety-bonds/ "Surety Bonds")

## Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Surety Bonds Compared

| Criteria | U.S. Surety | Heffernan Surety Bonds |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | Heffernan offers surety bonds two ways: as an on-demand Quick Insure product for any business needing a bond, and as a coverage option bundled into its Marine Cargo transportation-insurance programs for freight forwarders and logistics companies. [9](https://www.heffins.com/surety-bonds/ "Surety Bonds") [10](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") (Evidence: Company-reported; scope: Surety Bonds and Marine Cargo pages as read on 2026-09-23..) |
| 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..) | Heffernan says surety bonds are relevant to businesses whose contracts require them, and within its transportation practice markets bonds specifically to freight forwarders, customs brokers, and import/export operators. [9](https://www.heffins.com/surety-bonds/ "Surety Bonds") [10](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") (Evidence: Company-reported; scope: Surety Bonds and Marine Cargo pages as read on 2026-09-23..) |
| 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..) | Heffernan's Quick Insure FAQ says available bond types include performance bonds, payment bonds, and license or permit bonds, describing a bond as a financial guarantee that contractual obligations will be met. [9](https://www.heffins.com/surety-bonds/ "Surety Bonds") (Evidence: Company-reported; scope: Surety Bonds page as read on 2026-09-23; does not describe bond amounts, obligee requirements, or underwriting criteria..) |
| Limits and Retentions | Confirm in your quote. | Neither reviewed page publishes bond-amount ranges, pricing, or underwriting thresholds. [9](https://www.heffins.com/surety-bonds/ "Surety Bonds") [10](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") (Evidence: Not publicly disclosed; scope: Surety Bonds and Marine Cargo pages as read on 2026-09-23..) |
| 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..) | For its Marine Cargo program, Heffernan says it has in-house underwriting authority for faster, more flexible quoting and exclusive access to major insurance carriers, plus interactive online tools for declaration issuance and claim reporting. [10](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") (Evidence: Company-reported; scope: Marine Cargo page as read on 2026-09-23; described for the marine-cargo program generally, and the reviewed page does not confirm the same underwriting authority applies to the stand-alone Quick Insure bond product..) |
| How to Apply | Confirm in your quote. | For the on-demand product, Heffernan directs buyers to request a quote online or call a listed phone number; for the marine-cargo program, it directs freight forwarders to a named contact and an online client portal for policy management. [9](https://www.heffins.com/surety-bonds/ "Surety Bonds") [10](https://www.heffins.com/business-insurance/marine-cargo/ "Marine Cargo") (Evidence: Company-reported; scope: Surety Bonds and Marine Cargo pages as read on 2026-09-23..) |

## Related Pages for Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers

- [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 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 Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/builders-risk)
- [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Cargo and Transit Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/cargo-transit)
- [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/commercial-property)
- [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 General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/general-liability)
- [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)
- [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Representations and Warranties Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/representations-warranties)
- [Aon vs Berkshire Hathaway Specialty Insurance Surety Bonds](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/surety-bonds)
- [Aon vs Heffernan Insurance Brokers Surety Bonds](https://spot.insure/compare/aon-vs-heffernan/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 Heffernan Insurance Brokers Surety Bonds](https://spot.insure/compare/baldwin-vs-heffernan/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 Heffernan Insurance Brokers

### 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 Heffernan Insurance Brokers

6. [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.
7. [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.
8. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). Heffernan Insurance Brokers; Forward-Thinking Business Insurance: basic coverages (general liability, commercial property and auto, workers’ compensation); corporate and executive protection (EPL, D&O, fiduciary responsibility, cyber, kidnap and ransom); alternative risk capabilities; claims, loss control and risk-management services; industry practice links including Technology and Claims Advocacy. Accessed 2026-09-16.
9. [Surety Bonds](https://www.heffins.com/surety-bonds/). Heffernan Insurance Brokers; Surety Bonds: Trust in Your Projects; Project Assurance; Customizable Bonds: Tailored options for a variety of industries; FAQ: What types of surety bonds are available? Types include performance bonds, payment bonds, and license/permit bonds; Call (925) 448-2695. Accessed 2026-09-23.
10. [Marine Cargo](https://www.heffins.com/business-insurance/marine-cargo/). Heffernan Insurance Brokers; Coverage Options: General Merchandise Logistics, Household Good Logistics, Marine Cargo Legal Liability, Errors & Omissions, Surety Bonds, Special Projects; In-house underwriting authority for faster, more flexible quoting; Exclusive access to major insurance carriers. Accessed 2026-09-23.

### Sources for the Surety Bonds Guide

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

## Heffernan Insurance Brokers Review Scores for 2026

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/surety-bonds.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)