---
title: "Berkshire Hathaway Specialty Insurance vs StartupInsurance.ai: Surety Bonds"
description: "Berkshire Hathaway Specialty Insurance names six surety forms and construction-account targets; StartupInsurance.ai frames its broader physical-risk catalogue for technology founders, not as surety eligibility."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-startupinsurance/surety-bonds"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-startupinsurance"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "startupinsurance"
coverage-line: "surety-bonds"
---

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-startupinsurance/surety-bonds)

## Agent Guide

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

**Key facts:**
- Line: Surety Bonds. Providers: Berkshire Hathaway Specialty Insurance and StartupInsurance.ai.
- 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 StartupInsurance.ai](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-startupinsurance) — 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)
- [StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance) — provider profile (evidence)
- [Berkshire Hathaway Specialty Insurance vs StartupInsurance.ai Builders Risk Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-startupinsurance/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs StartupInsurance.ai Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-startupinsurance/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-startupinsurance/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-startupinsurance/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs StartupInsurance.ai General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-startupinsurance/general-liability) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs StartupInsurance.ai Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-startupinsurance/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs StartupInsurance.ai Product Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-startupinsurance/product-liability) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs StartupInsurance.ai Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-startupinsurance/technology-errors-omissions) — 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 StartupInsurance.ai Surety Bonds](https://spot.insure/compare/aon-vs-startupinsurance/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 StartupInsurance.ai Surety Bonds](https://spot.insure/compare/baldwin-vs-startupinsurance/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 StartupInsurance.ai: How Do They Compare for Surety Bonds?

Berkshire Hathaway Specialty Insurance names six surety forms and construction-account targets; StartupInsurance.ai frames its broader physical-risk catalogue for technology founders, not as surety eligibility.

## How to Use the Berkshire Hathaway Specialty Insurance vs StartupInsurance.ai Surety Bonds Comparison

Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and StartupInsurance.ai 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 StartupInsurance.ai Surety Bonds Summary

Berkshire Hathaway Specialty Insurance lists six bond forms and names regional-to-global contractors and construction suppliers as target accounts; StartupInsurance.ai lists “Surety” without naming a bond type in a physical-risk catalogue framed for robotics, hardware, energy or defense founders, not surety-specific eligibility. [5](https://www.bhspecialty.com/us-products/us-surety/ "Surety") [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## 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 StartupInsurance.ai?

StartupInsurance.ai fits startups, including hardware, robotics and AI companies, that must meet a customer-contract or investor insurance requirement and want a free policy review it says takes 48 hours. Look elsewhere if you need a named AI-failure insurer or a documented claims advocate before you buy. [6](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

[StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance)

## 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 StartupInsurance.ai Surety Bonds?

### Named contract forms and broad surety listing

Berkshire Hathaway Specialty Insurance lists performance, payment, advance-payment, maintenance, supply and warranty bonds and names contractors and construction suppliers as target accounts. StartupInsurance.ai lists “Surety” among seven physical-risk product lines, but does not name a bond type. The contrast is between BHSI’s named forms and StartupInsurance.ai’s broader line label; ask the latter’s agency what form it can arrange for the obligee’s requirement. [5](https://www.bhspecialty.com/us-products/us-surety/ "Surety") [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

### Target account framing

BHSI names regional, national and global contractors and construction suppliers or service firms among its surety target accounts. StartupInsurance.ai’s homepage frames the seven products in its “Physical risk” catalogue around founders building robotics, hardware, energy or defense technology; that framing applies to the catalogue and is not a surety-specific eligibility rule. The audience statements address different buyer segments, so a technology founder with a construction obligation should confirm both the exact bond form and whether the surety will consider that business. [5](https://www.bhspecialty.com/us-products/us-surety/ "Surety") [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## What Should You Confirm in Berkshire Hathaway Specialty Insurance and StartupInsurance.ai Surety Bonds Quotes?

- Ask StartupInsurance.ai what bond type it can arrange, who issues it and what documents are needed. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")
- Ask BHSI whether its listed bond forms match the obligee’s requirement. [5](https://www.bhspecialty.com/us-products/us-surety/ "Surety")
- Confirm agent role, indemnity, penal sum and deadline with the issuing surety. [9](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions")

## Berkshire Hathaway Specialty Insurance vs StartupInsurance.ai Surety Bonds Compared

| Criteria | U.S. Surety | StartupInsurance.ai Surety Bonds |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | StartupInsurance.ai does not underwrite or issue surety bonds itself. ContractorNerd Insurance Services, LLC, the licensed property and casualty agency behind the brand, is licensed in all 50 states and arranges placement; its terms describe the company as an insurance agency/producer that does not underwrite insurance. Surety bonds are typically issued by a surety company rather than an insurer in the conventional sense, and the reviewed pages do not distinguish the two. [9](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") [10](https://www.contractornerd.com/insurance-licenses/ "Insurance Licenses") [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: ContractorNerd's terms and conditions and insurance-licenses page; describes the brokerage's general role, not surety-specific placement terms or which entity type ultimately issues a bond..) |
| Issuing Insurer | Confirm in your quote. | The homepage's carrier panel names six insurers at the program level (The Hartford, Chubb, Coalition, Tokio Marine HCC, Travelers and CNA) but does not state which one, if any, issues a given company's surety bond. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Not publicly disclosed; scope: Carrier panel is program-wide rather than broken out by line; the surety company behind a bond is not disclosed on the pages reviewed and varies by placement..) |
| 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 section frames these seven lines around founders "building robots, hardware, energy or defense tech," saying StartupInsurance.ai treats them as "our daily lines, not our exceptions" — positioning surety bonds as something it arranges regularly for hardware-adjacent startups, rather than as a rare add-on. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Same homepage section; describes the target customer segment StartupInsurance.ai says it serves for this catalogue of lines, not formal underwriting eligibility criteria..) |
| 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..) | StartupInsurance.ai lists "Surety" among seven lines in the homepage's "Physical risk, because AI outgrew software" section — Products Liability, Inland Marine, Tools and Equipment, Commercial Auto, Builders Risk, Surety and Property — offered alongside the core startup program of GL, cyber, D&O and related lines. The page uses the word "Surety" rather than "surety bonds," and does not name a bond type. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "Physical risk, because AI outgrew software" section as read on 2026-09-23; the reviewed page names the line but does not describe bond types (e.g. license, permit, performance), bond amounts, or underwriting terms..) |
| Limits and Retentions | Confirm in your quote. | The reviewed pages do not publish sample bond amounts, bond types, or premium rates for surety bonds. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [8](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Not found in reviewed sources; scope: Homepage and quote-intake screen as read on 2026-09-23; bond amounts would only surface on an actual application..) |
| 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 physical-risk section's call to action reads "Ask about your insurance requirements →" rather than the "Get Quotes" button used elsewhere on the homepage, indicating surety bonds are discussed with a specialist rather than quoted through a self-serve form. [7](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "Physical risk, because AI outgrew software" section as read on 2026-09-23; the page does not describe what that conversation covers..)<br><br>The public quote-application's coverage-selection screen offers seven checkboxes (D&O, Cyber, Tech E&O, EPL, Fiduciary, Crime and GL); Surety is not one of them, so it is not part of that self-serve intake flow. [8](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Not found in reviewed sources; scope: Initial coverage-selection screen of the quote application as read on 2026-09-23; a later screen or specialist conversation could still address this line..) |

## Related Pages for Berkshire Hathaway Specialty Insurance vs StartupInsurance.ai

- [Berkshire Hathaway Specialty Insurance vs StartupInsurance.ai](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-startupinsurance): 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 StartupInsurance.ai Builders Risk Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-startupinsurance/builders-risk)
- [Berkshire Hathaway Specialty Insurance vs StartupInsurance.ai Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-startupinsurance/commercial-property)
- [Berkshire Hathaway Specialty Insurance vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-startupinsurance/directors-officers)
- [Berkshire Hathaway Specialty Insurance vs StartupInsurance.ai Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-startupinsurance/fiduciary)
- [Berkshire Hathaway Specialty Insurance vs StartupInsurance.ai General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-startupinsurance/general-liability)
- [Berkshire Hathaway Specialty Insurance vs StartupInsurance.ai Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-startupinsurance/inland-marine)
- [Berkshire Hathaway Specialty Insurance vs StartupInsurance.ai Product Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-startupinsurance/product-liability)
- [Berkshire Hathaway Specialty Insurance vs StartupInsurance.ai Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-startupinsurance/technology-errors-omissions)
- [Aon vs Berkshire Hathaway Specialty Insurance Surety Bonds](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/surety-bonds)
- [Aon vs StartupInsurance.ai Surety Bonds](https://spot.insure/compare/aon-vs-startupinsurance/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 StartupInsurance.ai Surety Bonds](https://spot.insure/compare/baldwin-vs-startupinsurance/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 StartupInsurance.ai

### 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 StartupInsurance.ai

6. [Company | Startup Insurance](https://www.startupinsurance.ai/company/). StartupInsurance.ai; The story; founders; The free policy check; legal footer. Accessed 2026-09-16.
7. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; Carrier panel; Physical risk, because AI outgrew software (Products Liability · Inland Marine · Tools and Equipment · Commercial Auto · Builders Risk · Surety · Property; "Building robots, hardware, energy or defense tech?"). Accessed 2026-09-23.
8. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Coverage-selection screen: seven checkboxes (D&O, Cyber, Tech E&O, EPL, Fiduciary, Crime, GL). Accessed 2026-09-23.
9. [Terms and Conditions](https://www.contractornerd.com/terms-and-conditions/). ContractorNerd; Section 2, Insurance Services: "ContractorNerd is an insurance agency/insurance producer... not an insurance company, does not underwrite insurance"; Section 2.A, Broker/Agent of Record. Accessed 2026-09-23.
10. [Insurance Licenses](https://www.contractornerd.com/insurance-licenses/). ContractorNerd; Company information: "a property and casualty independent insurance agency licensed in all 50 states"; 50-state licensing table for ContractorNerd Insurance Services, LLC. Accessed 2026-09-16.

### 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).

## StartupInsurance.ai Review Scores for 2026

Review Score: not enough ratings.

StartupInsurance.ai has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge.



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

## Agent and Developer Resources

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