Berkshire Hathaway Specialty Insurance vs 
Zurich U.S.: How Do They Compare for Surety 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. 1,2,3,4
Read the Berkshire Hathaway Specialty Insurance profile
Read the Berkshire Hathaway Specialty Insurance Surety Bonds page
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 6,7
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. 9,10,11,12,13
What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Zurich U.S. Surety Bonds?
Bond types and administration
Berkshire Hathaway Specialty Insurance lists performance, payment, advance-payment, maintenance, supply and warranty bonds. Zurich describes Surety Express as allowing users to book new bonds, view renewals and modify existing bonds, and also mentions a bond validator. BHSI’s cited claim is a bond-form catalogue; Zurich’s selected claim concerns administration tools. Confirm the required bond type with BHSI and ask Zurich which Surety Express actions apply to your bond. 5 8
Segment fit
Zurich describes contract surety for contractors from small firms through ENR 400 and commercial surety for Fortune 2000 and regional companies and qualified transactional buyers. BHSI names regional, national and global contractors and construction suppliers. These are company-described audience scopes, not equivalent underwriting criteria; confirm the applicant profile and bond requirement with each provider. 8 5
What Should You Confirm in Berkshire Hathaway Specialty Insurance and Zurich U.S. Surety Bonds Quotes?
Berkshire Hathaway Specialty Insurance and Zurich U.S. Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Berkshire Hathaway Specialty Insurance Review Score
Review Score
No reviews found
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.[5][7]
Read Berkshire Hathaway Specialty Insurance reviewsZurich U.S. Review Score
Review Score
No reviews found
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsBerkshire Hathaway Specialty Insurance vs Zurich U.S. Surety Bonds Compared
Berkshire Hathaway Specialty Insurance vs Zurich U.S.: Surety Bonds: documented features by provider
| Criteria | U.S. Surety | Zurich Contract and Commercial Surety Bonds |
|---|---|---|
| Who It’s For | BHSI names regional, national and global contractors and construction suppliers or service firms among its target accounts. 5Company-reported. A target description does not establish approval, bonding capacity or qualification for a particular contract. | Zurich describes contract surety for contractors from small firms to ENR 400 and commercial surety for Fortune 2000/regional companies and qualified transactional buyers. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial and contract surety; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| Coverage Features | BHSI lists performance, payment, advance-payment, maintenance, supply and warranty bonds. 5Company-reported. The catalogue identifies bond types; actual obligations are set by each bond form, principal, obligee and governing jurisdiction. BHSI lists performance, payment, advance-payment, maintenance, supply and warranty bonds as separate bond types. 5Company-reported. Each bond carries its own obligation; the product list does not establish bond form terms or approval. | Zurich contract surety includes bid, performance, labor/material payment, subcontract, subdivision, maintenance, supply, license/permit and environmental bonds. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial and contract surety; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| Risk Services | BHSI says its surety team supports public-private partnership and project-delivery arrangements. 5Company-reported. 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. | Surety Express lets users book new bonds, view renewals and modify existing bonds; Zurich also provides a bond validator. 8Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial and contract surety; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
Related Pages for Berkshire Hathaway Specialty Insurance vs Zurich U.S.
Surety Bonds Pages for Berkshire Hathaway Specialty Insurance and Zurich U.S.
Other Coverage Lines Compared for Berkshire Hathaway Specialty Insurance vs Zurich U.S.
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Sources for Berkshire Hathaway Specialty Insurance vs Zurich U.S.
Sources About Berkshire Hathaway Specialty Insurance
- At A Glance. 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.
- 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.
- Terms of Service. 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.
- Public Disclosure — 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.
- 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 Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- Surety Bond Company: Construction & Corporate | Zurich. Zurich U.S.; Contract and commercial surety, products, jurisdictions, transaction tools. Accessed 2026-09-28.
Sources for the Surety Bonds Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Surety Bond; Fidelity. Accessed 2026-09-16.
- 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.
- 40 U.S. Code § 3131 — Bonds of contractors of public buildings or works. 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.
- Surety Bonds. Chubb; Construction Surety Bonds (performance, payment, maintenance); Commercial Surety Bonds (license and permit, court, commercial contract). Accessed 2026-09-16.
- Surety Bonds Insurance. 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.
