---
title: "Berkshire Hathaway Specialty Insurance vs HUB International: Surety Bonds"
description: "Berkshire Hathaway Specialty Insurance names six surety forms and contractor target segments; HUB lists overlapping contract bonds and describes its three-C review, with the surety making the final decision."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/surety-bonds"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-hub-international"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "hub-international"
coverage-line: "surety-bonds"
---

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## Agent Guide

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

**Key facts:**
- Line: Surety Bonds. Providers: Berkshire Hathaway Specialty Insurance and HUB International.
- 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 HUB International](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international) — 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)
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile (evidence)
- [Berkshire Hathaway Specialty Insurance vs HUB International Builders Risk Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/crime) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/cyber) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/general-liability) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Product Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/product-liability) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/representations-warranties) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/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 HUB International Surety Bonds](https://spot.insure/compare/aon-vs-hub-international/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 HUB International Surety Bonds](https://spot.insure/compare/baldwin-vs-hub-international/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 HUB International: How Do They Compare for Surety Bonds?

Berkshire Hathaway Specialty Insurance names six surety forms and contractor target segments; HUB lists overlapping contract bonds and describes its three-C review, with the surety making the final decision.

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

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

Berkshire Hathaway Specialty Insurance lists six forms and names contractor target accounts, not guaranteed account qualification; HUB lists overlapping contract forms and says its three-C review guides applicants while the surety makes the final bonding decision. [5](https://www.bhspecialty.com/us-products/us-surety/ "Surety") [9](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses")

## 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 HUB International?

HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. [6](https://www.hubinternational.com/about-us/ "About Us") [7](https://www.hubinternational.com/contact-us/ "Contact Us") [8](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

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

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

### Bond scope and underwriting review

Berkshire Hathaway Specialty Insurance lists performance, payment, advance-payment, maintenance, supply and warranty bonds. HUB describes overlapping bid, performance and payment contract bonds, plus wage, warranty, maintenance and lien-release forms. For a contractor comparing contract-bond categories, both pages name performance and payment forms; HUB also lists additional forms, while BHSI lists advance-payment and supply bonds. The bond form and obligee wording still determine whether a listed category fits the obligation. [5](https://www.bhspecialty.com/us-products/us-surety/ "Surety") [9](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses")

### Account segments and underwriting review

BHSI names regional, national and global contractors and construction suppliers or service firms as target accounts. HUB says its eligibility review considers character (credit and business integrity), capacity (skills, experience, equipment and facilities), and capital (financial strength for project costs); its surety specialist guides applicants through required documentation, while the surety makes the final decision. This compares BHSI’s stated account segments with the information HUB says its broker-assisted review considers; neither establishes an individual applicant’s approval. [5](https://www.bhspecialty.com/us-products/us-surety/ "Surety") [9](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses")

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

- Ask HUB which financial statements and indemnitors its three C review will require. [9](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses")
- Ask BHSI which listed bond forms and account criteria are relevant to your project. [5](https://www.bhspecialty.com/us-products/us-surety/ "Surety")
- Confirm the obligee, bond amount, collateral and reimbursement obligations in writing. [9](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses")

## Berkshire Hathaway Specialty Insurance vs HUB International Surety Bonds Compared

| Criteria | U.S. Surety | HUB International Surety Bonds Brokerage |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | HUB brokers surety bonds, acting as an intermediary between the contractor buying the bond (principal), the party requiring it (obligee) and the insurance company guaranteeing performance (surety), rather than acting as the surety itself. [9](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") (Evidence: Company-reported; scope: Surety bonds product page as read 2026-09-23..) |
| Issuing Insurer | Confirm in your quote. | The surety bonds page does not name a specific surety company; HUB places bonds with sureties that vary by client and bond type. [9](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") (Evidence: Not found in reviewed sources; scope: Checked the surety bonds page on 2026-09-23; no surety company is disclosed there..) |
| 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..) | HUB underwrites bond eligibility around what it calls the three C's: character (credit record and business integrity), capacity (skills, experience, equipment and facilities), and capital (financial strength for project costs), and says a surety specialist guides applicants through the required documentation. [9](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") (Evidence: Company-reported; scope: Product-page underwriting-criteria description; the surety, not HUB, makes the final bonding decision..) |
| 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..) | HUB describes contract surety bonds it arranges as including bid bonds that secure a bid submission, performance bonds that guarantee a project is completed per contract, and payment bonds that guarantee subcontractors, laborers and suppliers are paid, plus other bond types such as wage, warranty, maintenance and lien-release bonds. [9](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") (Evidence: Company-reported; scope: Product-page bond-type descriptions; the issued bond and its terms control an actual claim..)<br><br>HUB also arranges commercial surety bonds, which it says are primarily required by government entities, financial institutions and private corporations to guard against fraud, theft or illegal conduct. [9](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") (Evidence: Company-reported; scope: Product-page commercial-surety description..) |
| 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..) | Confirm in your quote. |
| How to Apply | Confirm in your quote. | HUB says a surety specialist works with applicants on the documentation and underwriting process needed to obtain a bond, positioning the broker relationship as central to getting bonded. [9](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") (Evidence: Company-reported; scope: Product-page application description as read 2026-09-23..) |

## Related Pages for Berkshire Hathaway Specialty Insurance vs HUB International

- [Berkshire Hathaway Specialty Insurance vs HUB International](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international): 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 HUB International Builders Risk Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/builders-risk)
- [Berkshire Hathaway Specialty Insurance vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/cargo-transit)
- [Berkshire Hathaway Specialty Insurance vs HUB International Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/commercial-property)
- [Berkshire Hathaway Specialty Insurance vs HUB International Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/crime)
- [Berkshire Hathaway Specialty Insurance vs HUB International Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/cyber)
- [Berkshire Hathaway Specialty Insurance vs HUB International D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/directors-officers)
- [Berkshire Hathaway Specialty Insurance vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/employment-practices)
- [Berkshire Hathaway Specialty Insurance vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/fiduciary)
- [Berkshire Hathaway Specialty Insurance vs HUB International General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/general-liability)
- [Berkshire Hathaway Specialty Insurance vs HUB International Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/inland-marine)
- [Berkshire Hathaway Specialty Insurance vs HUB International Product Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/product-liability)
- [Berkshire Hathaway Specialty Insurance vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/professional-errors-omissions)
- [Berkshire Hathaway Specialty Insurance vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/representations-warranties)
- [Berkshire Hathaway Specialty Insurance vs HUB International Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/technology-errors-omissions)
- [Berkshire Hathaway Specialty Insurance vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/umbrella-excess)
- [Aon vs Berkshire Hathaway Specialty Insurance Surety Bonds](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/surety-bonds)
- [Aon vs HUB International Surety Bonds](https://spot.insure/compare/aon-vs-hub-international/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 HUB International Surety Bonds](https://spot.insure/compare/baldwin-vs-hub-international/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 HUB International

### 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 HUB International

6. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
7. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
8. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
9. [Surety Bonds and Surety Bond Insurance for Businesses](https://www.hubinternational.com/products/business-insurance/surety-bonds/). HUB International; What is a surety bond?; three-party structure (principal, obligee, surety); Types of surety bonds: bid, performance, payment and other contract surety bonds; Commercial Surety section; Three C's of underwriting: Character, Capacity, Capital; What Do You Need to Get a Surety Bond?. Accessed 2026-09-23.

### Sources for the Surety Bonds Guide

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

## HUB International Review Scores for 2026

Review Score: 5.6 / 10 from 2 rated sources, equally weighted.

Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.

- BBB: BBB business grade A- (BBB letter grade). BBB profile for HUB International, Chicago headquarters and its corporate-owned locations (United States). HUB is a global broker; BBB coverage is US/Canada and split by office profile. Period: current page, accessed 2026-09-29; 3 complaints closed in last 3 years. Checked 2026-09-29. [HUB International | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202)
- BBB customer reviews: BBB customer reviews 1 (out of 5); 7 reviews. Customer reviews left on the same BBB headquarters profile (HQ and corporate-owned US locations). Small sample. Checked 2026-09-29. [HUB International | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202/customer-reviews)
- BBB Canada West: BBB business grade A- (BBB letter grade). BBB profile for HUB International Canada West ULC, Burnaby BC. Covers one Canadian regional entity only, not the whole group. Period: current page; 13 complaints closed in last 3 years; 3 customer reviews. Checked 2026-09-29. [HUB International Canada West ULC | BBB Reviews](https://www.bbb.org/ca/bc/burnaby/profile/insurance-services-office/hub-international-insurance-brokers-hub-coastal-0037-120326/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/hub-international/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/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)