--- title: "Berkshire Hathaway Specialty Insurance vs USI Insurance Services: Fiduciary Liability Insurance" description: "Compare BHSI’s fiduciary policy features within an executive portfolio with USI’s brokerage review and advocacy services." canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-usi/fiduciary" 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: "fiduciary" --- 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/fiduciary) ## Agent Guide **What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and USI Insurance Services for Fiduciary Liability 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 Fiduciary Liability 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 Fiduciary Liability Insurance: how do they differ? - Which is better for Fiduciary Liability Insurance, Berkshire Hathaway Specialty Insurance or USI Insurance Services? - What does Berkshire Hathaway Specialty Insurance or USI Insurance Services publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Fiduciary Liability Insurance from Berkshire Hathaway Specialty Insurance or USI Insurance Services? **Key facts:** - Line: Fiduciary Liability 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 - [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — 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 D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-usi/directors-officers) — 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) - [AIG vs Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/fiduciary) — sibling comparison (other line, or other pair for this line) - [AIG vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-usi/fiduciary) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/fiduciary) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-usi/fiduciary) — sibling comparison (other line, or other pair for this line) - [Aon vs Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/fiduciary) — sibling comparison (other line, or other pair for this line) - [Aon vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-usi/fiduciary) — sibling comparison (other line, or other pair for this line) # Berkshire Hathaway Specialty Insurance vs USI Insurance Services: How Do They Compare for Fiduciary Liability Insurance? Compare BHSI’s fiduciary policy features within an executive portfolio with USI’s brokerage review and advocacy services. ## Research Scope and Use Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and USI Insurance Services for Fiduciary Liability 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 BHSI names fiduciary policy extensions inside its Executive First portfolio; USI brokers the line and describes policy-gap reviews, claim advocacy and risk control. [6](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/fiduciary-liability-policy/ "Executive First Fiduciary Liability Policy") [10](https://www.usi.com/property-casualty/business-services/ "Business Services") [11](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 Fiduciary Liability Insurance? Fiduciary liability can protect your company and plan fiduciaries when participants claim mishandling of an employee benefit plan. If you sponsor a retirement or health plan, check who is insured and whether both administration errors and fiduciary-breach claims are addressed. [12](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf "Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements") [13](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9 "Fiduciary Liability") [14](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") ## Key Differences in Fiduciary Liability Insurance ### Policy extensions and coverage-gap review Berkshire Hathaway Specialty Insurance lists full settlor coverage, ACA gap coverage, fines and penalties, and guidance on specialized defense counsel for its fiduciary policy. USI describes a different service: its ExecuSafe process reviews existing fiduciary policies for coverage gaps as part of a management-liability review. Buyers can use these descriptions to decide whether they need to ask about a carrier’s stated policy features, a broker’s review of an existing plan, or both. [6](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/fiduciary-liability-policy/ "Executive First Fiduciary Liability Policy") [10](https://www.usi.com/property-casualty/business-services/ "Business Services") ### Portfolio placement versus broker-arranged coverage BHSI places fiduciary liability in its Executive First Private Company Portfolio with D&O, employment-practices, crime and employed-lawyer insurance. USI brokers fiduciary coverage individually or reviews it within a management-liability program. The difference matters if you are assembling multiple executive protections: ask BHSI about its portfolio structure and USI about carrier options and whether its review changes or simply evaluates your current policy. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") [10](https://www.usi.com/property-casualty/business-services/ "Business Services") ## What to Confirm in Fiduciary Liability Insurance Quotes - Ask BHSI what policy and limit are available for your company; portfolio components do not establish each coverage’s final terms. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") - Ask USI which insurer would issue the placement and what its review finds in your existing fiduciary policy. [10](https://www.usi.com/property-casualty/business-services/ "Business Services") ## Offering Details | Criteria | Fiduciary Liability in Executive First Private Company Portfolio | USI Fiduciary Liability Brokerage | | --- | --- | --- | | Role in This Line | BHSI lists fiduciary liability as a component of its Executive First Private Company Portfolio comprehensive form with D&O, EPL, Commercial Crime and employed-lawyer insurance. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") (Evidence: Company-reported; scope: This is a marketed portfolio component; the source does not say every line is required or that limits are shared..) | USI brokers fiduciary liability coverage, which protects a company and its plan fiduciaries against claims of mismanaging an employee benefit plan; USI places it individually or reviews it as part of a management liability program under its ExecuSafe endorsement package. [10](https://www.usi.com/property-casualty/business-services/ "Business Services") [11](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: Business Services catalogue and ExecuSafe article..) | | Issuing Insurer | Confirm in your quote. | Neither page names the insurer USI uses for fiduciary liability placements. [10](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Not publicly disclosed; scope: Pages as read on 2026-09-23..) | | Who It’s For | The portfolio targets private companies with at least $10 million in revenue and names construction, manufacturing, wholesale, retail, service, technology and transportation sectors. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") (Evidence: Company-reported; scope: These are portfolio target-account statements, not guaranteed fiduciary eligibility..)

BHSI identifies large commercial and financial firms with complex risk-transfer needs as targets for this fiduciary policy. [6](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/fiduciary-liability-policy/ "Executive First Fiduciary Liability Policy") (Evidence: Company-reported; scope: A target segment does not guarantee eligibility for an applicant or plan..) | USI's Business Services practice targets building and maintenance, repair service, janitorial, staffing and printing companies for its broader coverage catalogue, which includes fiduciary liability; the ExecuSafe article separately targets small- and medium-sized businesses generally for management liability review. [10](https://www.usi.com/property-casualty/business-services/ "Business Services") [11](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: Company description of client segments for each source..) | | Coverage Features | BHSI names fiduciary liability as one component of the Executive First Private Company Portfolio. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") (Evidence: Company-reported; scope: The source does not describe the fiduciary insuring agreement, covered plans or insured parties..)

BHSI’s Executive First Fiduciary Liability Policy page lists full settlor coverage, Affordable Care Act gap coverage, and coverage for fines and penalties; it says specialized defense counsel is recommended but not required. [6](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/fiduciary-liability-policy/ "Executive First Fiduciary Liability Policy") (Evidence: Company-reported; scope: These are company-described product highlights. Applicable law, policy wording, conditions and exclusions govern a given plan or claim..) | USI lists fiduciary liability among the coverages it places for business-services clients, and separately says its ExecuSafe review looks for gaps in a client's existing fiduciary liability coverage as part of a management liability review. [10](https://www.usi.com/property-casualty/business-services/ "Business Services") [11](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: Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy..) | | Limits and Retentions | BHSI advertises shared or separate limits up to $50 million for the portfolio. [5](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/private-company-portfolio/ "Executive First Private Company Portfolio") (Evidence: Company-reported; scope: The source does not give a fiduciary-specific limit or explain allocation among components..) | Neither page publishes fiduciary liability limit or retention figures. [10](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Not publicly disclosed; scope: Pages as read on 2026-09-23..) | | Risk Services | Confirm in your quote. | USI's Business Services practice says it offers classification and exposure reviews, claim advocacy and risk control across its coverage lines, including fiduciary liability, and its ExecuSafe process specifically reviews existing fiduciary liability policies for coverage gaps. [10](https://www.usi.com/property-casualty/business-services/ "Business Services") [11](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: Combines the general Business Services service list with the ExecuSafe-specific review step..) | | How to Apply | Confirm in your quote. | USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. [10](https://www.usi.com/property-casualty/business-services/ "Business Services") [11](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: Contact instructions on each page..) | ## 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 Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability can protect your company and plan fiduciaries from covered claims about benefit-plan management; check who is insured and whether administration errors are included. - [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 D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-usi/directors-officers) - [Berkshire Hathaway Specialty Insurance vs USI Insurance Services Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-usi/employment-practices) - [AIG vs Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/fiduciary) - [AIG vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-usi/fiduciary) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/fiduciary) - [Alliance Risk vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-usi/fiduciary) - [Aon vs Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/fiduciary) - [Aon vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-usi/fiduciary) ## 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 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, lines 11–15: D&O, EPL, fiduciary, Commercial Crime and Employed Lawyers in one comprehensive form; shared or separate limits up to $50 million; EPL First HR resources and attorney helpline. Top Targets, lines 16–25: private companies with at least $10 million revenue and listed industries. Reopened 2026-09-30.. Accessed 2026-09-30. 6. [Executive First Fiduciary Liability Policy](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/public-company/fiduciary-liability-policy/). Berkshire Hathaway Specialty Insurance; Product Highlights: full settlor coverage, ACA gap coverage, recommended-not-mandatory specialized defense counsel, and fines/penalties; Top Targets: large commercial and financial firms (lines 6–20). Reopened 2026-09-30.. Accessed 2026-09-30. ### 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; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16. 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. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; USI advises clients...and provides solutions for...Fiduciary Liability.... Accessed 2026-09-23. 11. [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; Review existing management liability policies (if any) to uncover gaps in coverage...(including employment practices liability, fiduciary liability, and crime).. Accessed 2026-09-23. ### Fiduciary Liability Insurance Guide 12. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16. 13. [Fiduciary Liability](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9). Travelers Casualty and Surety Company of America; II.D,J–L pp.2–3; II.A p.1; II.V p.5; Header p.1; II.M p.3; I p.1; III.A.6–8 pp.5–6; II.M.2 p.3; III.B.1 p.6. Accessed 2026-09-16. 14. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; What Is Fiduciary Liability Insurance?. 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/fiduciary.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)