---
title: "Berkshire Hathaway Specialty Insurance vs Liberty Mutual: Surety Bonds"
description: "Berkshire Hathaway Specialty Insurance lists contract performance and payment bonds; Liberty Mutual’s commercial surety page names court, appeal, license/permit, ERISA and fidelity bonds."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/surety-bonds"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-liberty-mutual"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "liberty-mutual"
coverage-line: "surety-bonds"
---

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

## Agent Guide

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

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

Berkshire Hathaway Specialty Insurance lists contract performance and payment bonds; Liberty Mutual’s commercial surety page names court, appeal, license/permit, ERISA and fidelity bonds.

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

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

Berkshire Hathaway Specialty Insurance lists construction contract bonds including advance-payment and warranty; Liberty Mutual’s reviewed list focuses on commercial bonds such as court, appeal, license/permit and ERISA. [5](https://www.bhspecialty.com/us-products/us-surety/ "Surety") [8](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds")

## 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 Liberty Mutual Business Insurance?

Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. [6](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [7](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions")

[Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual)

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

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

### Contract versus commercial bond lists

Berkshire Hathaway Specialty Insurance lists performance, payment, advance-payment, maintenance, supply and warranty bonds, a catalogue centered on contract and construction obligations. Liberty Mutual’s commercial surety page names court, appeal, license and permit, ERISA, fidelity and other commercial bonds. If you are bonding a construction project, BHSI’s performance and payment forms are directly relevant; if a regulator or court requires a commercial bond, Liberty Mutual’s list gives more pertinent examples. [5](https://www.bhspecialty.com/us-products/us-surety/ "Surety") [8](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds")

### Accessing a surety contact

Liberty Mutual describes large- and small-commercial markets and directs prospects to contact a surety representative. BHSI names regional, national and global contractors and construction suppliers or service firms among its target accounts. The claims describe different bond categories and do not support a like-for-like comparison of application time, price or limits. Ask each surety representative who will underwrite the specific obligation and what financial information and indemnity the applicant must provide. [8](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds") [5](https://www.bhspecialty.com/us-products/us-surety/ "Surety")

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

- Ask Liberty Mutual whether it offers your exact commercial bond and which representative handles it. [8](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds")
- Ask BHSI whether your project requires performance, payment or another listed bond form. [5](https://www.bhspecialty.com/us-products/us-surety/ "Surety")
- Compare penal sum, indemnitors, collateral and cancellation terms in both bond forms. [8](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds")

## Berkshire Hathaway Specialty Insurance vs Liberty Mutual Surety Bonds Compared

| Criteria | U.S. Surety | Commercial Bonds |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | Liberty Mutual Surety lists commercial bonds for business customers. [8](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Bonds. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) |
| 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..) | The page describes large-commercial and small-commercial markets and instructs prospective customers to contact a surety representative. [8](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Bonds. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) |
| 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..) | The page names court, appeal, license/permit, ERISA, fidelity and other commercial bond types; bonding is distinct from liability insurance. [8](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Bonds. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) |
| 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. | The cited product page does not establish an online application or policy-binding path; ask the listed team or your broker/agent how this product is placed. [8](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/ "Commercial Bonds") (Evidence: Not found in reviewed sources; scope: Reviewed product-page scope only. This not-found disposition is not a claim that no digital route exists..) |

## Related Pages for Berkshire Hathaway Specialty Insurance vs Liberty Mutual

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

### 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 Liberty Mutual

6. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile). Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide).. Accessed 2026-09-29.
7. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-solutions/). Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary.. Accessed 2026-09-29.
8. [Commercial Bonds](https://business.libertymutual.com/commercial-solutions/surety/commercial-bonds/). Liberty Mutual Business Insurance; ‘Broad slate of commercial bonds’ enumerates court/fiduciary, appeal, tax appeal, self-insurer workers compensation, license/permit, reclamation, lost instrument, utility payment, service/supply, business services, public official, ERISA, fidelity and miscellaneous bonds; page states distinct large/small commercial audiences and qualified program scale.. Accessed 2026-09-29.

### Sources for the Surety Bonds Guide

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

## Liberty Mutual Review Scores for 2026

Review Score: 7.2 / 10 from 2 rated sources, equally weighted.

Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.

- NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance)
- Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com)

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

## Agent and Developer Resources

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