--- title: "Berkshire Hathaway Specialty Insurance vs USI Insurance Services: D&O Insurance" description: "Berkshire Hathaway Specialty Insurance details investigation protection, while USI brokers D&O and offers its ExecuSafe package to small and midsize businesses." canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-usi/directors-officers" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "berkshire-hathaway-specialty-insurance-vs-usi" provider-a: "berkshire-hathaway-specialty-insurance" provider-b: "usi" coverage-line: "directors-officers" --- 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-usi/directors-officers) ## Agent Guide **What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and USI Insurance Services for D&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for D&O Insurance questions about Berkshire Hathaway Specialty Insurance versus USI Insurance Services. 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 USI Insurance Services for D&O Insurance: how do they differ? - Which is better for D&O Insurance, Berkshire Hathaway Specialty Insurance or USI Insurance Services? - What does Berkshire Hathaway Specialty Insurance or USI Insurance Services publish about D&O Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for D&O Insurance from Berkshire Hathaway Specialty Insurance or USI Insurance Services? **Key facts:** - Line: D&O Insurance. Providers: Berkshire Hathaway Specialty Insurance and USI Insurance Services. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Berkshire Hathaway Specialty Insurance vs USI Insurance Services](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-usi) — parent: all coverage lines for this pair - [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — coverage explainer for this line - [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) — provider profile (evidence) - [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) — provider profile (evidence) - [Berkshire Hathaway Specialty Insurance vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-usi/commercial-property) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs USI Insurance Services Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-usi/crime) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-usi/cyber) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-usi/employment-practices) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-usi/fiduciary) — sibling comparison (other line, or other pair for this line) - [AIG vs Berkshire Hathaway Specialty Insurance D&O Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/directors-officers) — sibling comparison (other line, or other pair for this line) - [AIG vs USI Insurance Services D&O Insurance](https://spot.insure/compare/aig-vs-usi/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance D&O Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs USI Insurance Services D&O Insurance](https://spot.insure/compare/alliance-risk-vs-usi/directors-officers) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Berkshire Hathaway Specialty Insurance D&O Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/directors-officers) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs USI Insurance Services D&O Insurance](https://spot.insure/compare/amelia-risk-vs-usi/directors-officers) — sibling comparison (other line, or other pair for this line) # Berkshire Hathaway Specialty Insurance vs USI Insurance Services: How Do They Compare for D&O Insurance? Berkshire Hathaway Specialty Insurance details investigation protection, while USI brokers D&O and offers its ExecuSafe package to small and midsize businesses. ## Research Scope and Use Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and USI Insurance Services for D&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Berkshire Hathaway Specialty Insurance describes informal investigation and derivative costs; USI reviews D&O gaps and places ExecuSafe for small and midsize businesses. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/do-liability-insurance/ "Executive First Directors & Officers Liability Insurance") [10](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") ## 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 USI Insurance Services? USI suits software and hardware companies from seed stage through IPO seeking consultative broker support; buyers wanting a self-serve quote should compare digital agencies. Insurer commissions are typical and contingent compensation may also apply. [7](https://www.usi.com/about-usi "The Power of ONE") [8](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [9](https://www.usi.com/commissions-fees/ "Commissions and Fees") [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) ## What Is Directors and Officers Insurance? D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. [12](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [13](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [14](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage") ## Key Differences in D&O Insurance ### Advice and program review USI brokers D&O, reviews existing management-liability policies for gaps, and can place its named ExecuSafe package. Berkshire Hathaway Specialty Insurance presents Executive First D&O and describes investigation and derivative-action costs. A small or midsize business may use USI’s review to identify missing protection, while a larger commercial account can ask BHSI whether its target profile fits; compare each actual form and issuing insurer. [10](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [10](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/do-liability-insurance/ "Executive First Directors & Officers Liability Insurance") ### Limit benchmarking and investigation costs USI describes D&O claims involving breach of duty, misrepresentation, securities suits, and creditor lawsuits, and cites a technology-client benchmarking case that reduced excess limit and premium. Berkshire Hathaway Specialty Insurance names government inquiries and shareholder derivative-action costs, along with full defense-counsel choice. A company should compare USI’s limit analysis with BHSI’s investigation terms and confirm the policy’s Side A, B, and C structure. [10](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [8](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/do-liability-insurance/ "Executive First Directors & Officers Liability Insurance") [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/do-liability-insurance/ "Executive First Directors & Officers Liability Insurance") ## What to Confirm in D&O Insurance Quotes - Ask USI whether ExecuSafe uses a shared aggregate and how it benchmarks limits; ask BHSI for the offered Side A, B, and C limits and sublimits. [8](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/do-liability-insurance/ "Executive First Directors & Officers Liability Insurance") - Confirm whether USI’s quote is issued by a third-party insurer and compare its investigation and derivative terms with BHSI’s wording. [10](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/do-liability-insurance/ "Executive First Directors & Officers Liability Insurance") ## Offering Details | Criteria | Executive First D&O Liability Insurance | USI ExecuSafe Directors & Officers Liability Program | | --- | --- | --- | | Role in This Line | Confirm in your quote. | USI is a broker for D&O coverage. It says it helps clients identify D&O exposures, review any existing management liability policies for gaps, and place coverage, including through its own named endorsement package, ExecuSafe. [10](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: ExecuSafe article's "How USI Can Help" section..) | | Issuing Insurer | Confirm in your quote. | USI does not name the insurer that underwrites ExecuSafe or other D&O placements on the pages reviewed; it describes ExecuSafe as an endorsement package it applies to policies placed with the market. [10](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Not publicly disclosed; scope: ExecuSafe article and Technology/Business Services practice pages as read on 2026-09-23..) | | Who It’s For | The D&O page names large commercial and financial firms as target accounts. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/do-liability-insurance/ "Executive First Directors & Officers Liability Insurance") (Evidence: Company-reported; scope: U.S. target-account description, not a complete eligibility rule or acceptance commitment..) | USI targets small- and medium-sized businesses for ExecuSafe, saying many either skip D&O coverage or buy insufficient limits because their brokers do not help them identify the exposure. Its Technology practice separately places D&O for software, hardware and communications clients from seed stage through IPO. [10](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [8](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: ExecuSafe article eligibility framing and Technology practice client description..) | | Coverage Features | The U.S. Executive First D&O page describes coverage for government investigations, including informal investigations of insured individuals without sublimits. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/do-liability-insurance/ "Executive First Directors & Officers Liability Insurance") (Evidence: Company-reported; scope: U.S. D&O product-page summary; the actual policy, definitions, exclusions, conditions, insureds, and state forms control..)

BHSI says its D&O product covers plaintiffs’ attorney fees and costs for shareholder derivative actions and company costs to investigate derivative demands or actions where no demand is made. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/do-liability-insurance/ "Executive First Directors & Officers Liability Insurance") (Evidence: Company-reported; scope: U.S. D&O product-page summary; do not read as all derivative-action costs covered under every issued policy..) | USI says D&O insurance is meant to protect a company's leadership from personal loss in a lawsuit, since the corporate veil does not shield directors and officers from personal liability for the business's actions and debts. It lists breach of contract, breach of duty, misrepresentation, unfair competition, misappropriation of trade secrets, securities lawsuits and creditor lawsuits as common claim types the coverage responds to. [10](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: ExecuSafe article's description of D&O purpose and claim types; actual insuring agreements and exclusions are set by the issued policy..) | | Limits and Retentions | Confirm in your quote. | USI cites a 2016 Chubb survey that found 43% of private companies carry no D&O coverage, with an average private-company D&O claim cost of $450,000, but the article does not publish USI's own placed limits, retentions or premium ranges for ExecuSafe. [10](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Not publicly disclosed; scope: Third-party statistic cited by USI to illustrate exposure, not USI's own placement data..) | | Risk Services | BHSI describes full choice of defense counsel for the D&O product. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/do-liability-insurance/ "Executive First Directors & Officers Liability Insurance") (Evidence: Company-reported; scope: Company-reported product feature; applicable policy terms and any state-specific requirements remain controlling..) | USI's Technology practice cites a case study where its benchmarking analysis showed a software company was buying more D&O limit than peers with similar risk profiles, and says the resulting change saved the client more than $100,000 per year in D&O premium. [8](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: Single case study on the Technology practice page; company-reported outcome, not independently verified..) | | How to Apply | Confirm in your quote. | USI directs small- and medium-sized businesses interested in ExecuSafe to email Select.Business@usi.com; its Technology and Business Services practices separately route inquiries to pcinquiries@usi.com or a local USI office. [10](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [8](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [11](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Company-reported; scope: Contact instructions on the ExecuSafe article and the Technology and Business Services pages..) | ## Full Comparison - [Berkshire Hathaway Specialty Insurance vs USI Insurance Services](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-usi): all coverage lines, business roles, service and claims. - [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote. - [Berkshire Hathaway Specialty Insurance vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-usi/commercial-property) - [Berkshire Hathaway Specialty Insurance vs USI Insurance Services Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-usi/crime) - [Berkshire Hathaway Specialty Insurance vs USI Insurance Services Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-usi/cyber) - [Berkshire Hathaway Specialty Insurance vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-usi/employment-practices) - [Berkshire Hathaway Specialty Insurance vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-usi/fiduciary) - [AIG vs Berkshire Hathaway Specialty Insurance D&O Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/directors-officers) - [AIG vs USI Insurance Services D&O Insurance](https://spot.insure/compare/aig-vs-usi/directors-officers) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance D&O Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/directors-officers) - [Alliance Risk vs USI Insurance Services D&O Insurance](https://spot.insure/compare/alliance-risk-vs-usi/directors-officers) - [Amelia Risk vs Berkshire Hathaway Specialty Insurance D&O Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/directors-officers) - [Amelia Risk vs USI Insurance Services D&O Insurance](https://spot.insure/compare/amelia-risk-vs-usi/directors-officers) ## Sources ### Berkshire Hathaway Specialty Insurance 1. [At A Glance](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf). Berkshire Hathaway Specialty Insurance; United States section, zero-based PDF pages 49–53 (viewer pages 50–54): product/industry lists on pages 49–50; U.S. disclosure/version footer on page 53 is 2026-8-03 A. The 2026-09-14 A footer is on preceding European page 48, not the U.S. section.. Accessed 2026-09-29. 2. [About Us](https://www.bhspecialty.com/about-us/). Berkshire Hathaway Specialty Insurance; About BHSI; company profile page re-opened through official site on 2026-09-28; company says it is part of National Indemnity group. Accessed 2026-09-28. 3. [Terms of Service](https://www.bhspecialty.com/terms-conditions/). Berkshire Hathaway Specialty Insurance; Important Information Concerning Use of this Web Site, paragraphs 2–4; nonbinding submissions, contracted-agent authority, state variation, product availability and policy-specific terms. Accessed 2026-09-28. 4. [Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/). Berkshire Hathaway Specialty Insurance; Singapore branch public disclosure, Company Profile ¶¶ 1–2; direct page opened 2026-09-28. ¶ 1 identifies BHSIC as a Nebraska-domiciled direct P&C insurer; ¶ 2 states BHSIC is wholly owned by National Indemnity Company, itself wholly owned by Berkshire Hathaway Incorporated.. Accessed 2026-09-28. 5. [Executive First Directors & Officers Liability Insurance](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/do-liability-insurance/). Berkshire Hathaway Specialty Insurance; Product Highlights: government investigations, shareholder derivative actions, late-notice qualification, defense counsel selection; Top Targets: large commercial and financial firms, lines 6–19.. Accessed 2026-09-28. 6. [Executive First Private Company Portfolio](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/). Berkshire Hathaway Specialty Insurance; Product Highlights: D&O, EPL, Fiduciary, Commercial Crime and Employed Lawyers in one comprehensive form; shared or separate limits to $50m; EPL First services. Top Targets: private companies at $10m+ revenues and listed industries, lines 11–25. Portfolio limit is not a separate line limit.. Accessed 2026-09-28. ### USI Insurance Services 7. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16. 8. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; USI's Technology Practice provides risk management advisory and insurance placement for: ...Directors & Officers Liability...; CASE STUDY: USI Benchmarking Saves Software Company $100,000 in D&O Premiums. Accessed 2026-09-23. 9. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16. 10. [Protect Your Company and Personal Assets From Management Liability Risks](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/). USI Insurance Services; JULY 5, 2023 article; common D&O claim types (Breach of Contract, Breach of Duty, Misrepresentation, Unfair Competition, Misappropriation of Trade Secrets, Securities Lawsuits, Creditor Lawsuits); Creditor Suit and Competitor Disputes scenarios; How USI Can Help; ExecuSafe endorsement packs. Accessed 2026-09-23. 11. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; USI advises clients...and provides solutions for...Directors & Officers Liability.... Accessed 2026-09-23. ### D&O Insurance Guide 12. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16. 13. [The Chubb Primary Directors & Officers and Entity Securities Liability Insurance](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf). Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16. 14. [Private Company Directors and Officers Liability Coverage](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95). Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. Accessed 2026-09-16. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Berkshire Hathaway Specialty Insurance Reviews Review Score: not enough ratings. The public ratings for Berkshire Hathaway Specialty Insurance are low but thin: Trustpilot shows 2.1 out of 5 from 9 reviews and BBB shows 1 out of 5 from 6. Both mix travel and commercial customers, so we don't count them in a score. - Trustpilot: TrustScore 2.1 (out of 5); 9 reviews. Trustpilot profile for bhspecialty.com, accessed 2026-09-29. Its small review set mixes travel-policy and other customer accounts; it is user-generated and unverified, and does not establish commercial-policy outcomes or representativeness. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance Reviews](https://www.trustpilot.com/review/bhspecialty.com) - BBB: Customer review average 1 (out of 5 stars); 6 reviews. BBB page for BHSI headquarters and corporate-owned locations, accessed 2026-09-29. The page’s six customer reviews mix travel and commercial narratives; BBB says third-party information is not verified. BBB’s business letter grade is separate from these customer reviews. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance — BBB Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/berkshire-hathaway-specialty-insurance-0021-439678/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/reviews). ## USI Insurance Services Reviews Review Score: 6.4 / 10 from 1 rated source, equally weighted. USI’s public feedback is too sparse and office-specific for a firmwide verdict. Check the local team’s responsiveness and experience with your type of business. - BBB: BBB complaint count 4. BBB business-profile grade is distinct from customer-review stars; branch/parent scope matters. Period: three years preceding access 2026-09-25. Checked 2026-09-25. [BBB result for USI Insurance Services](https://www.bbb.org/us/ny/valhalla/profile/insurance-agency/usi-insurance-services-0121-97856/complaints) - Google reviews via Birdeye: Birdeye office listing rating from Google reviews 3.2 (5 stars); 9 reviews. One Louisville office listing, not firmwide. Birdeye shows Google-origin reviews (9) and 0 Birdeye-native reviews; this duplicates a Google source stream and is not independent of Google. Period: accessed 2026-09-25. Checked 2026-09-25. [USI office, Louisville, KY — Birdeye listing of Google reviews](https://reviews.birdeye.com/usi-insurance-145632496752867) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/usi/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-usi/directors-officers.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)