--- title: "Berkshire Hathaway Specialty Insurance Reviews" description: "Berkshire Hathaway Specialty Insurance has low ratings in small Trustpilot and BBB samples. The reviews mix products and accounts, so they do not establish how it handles commercial claims." canonical: "https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/reviews" page-type: "provider-reviews" updated-at: "2026-09-29" --- 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/insurance-providers/berkshire-hathaway-specialty-insurance/reviews) Canonical URL: https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/reviews # Berkshire Hathaway Specialty Insurance Reviews Berkshire Hathaway Specialty Insurance has low ratings in small Trustpilot and BBB samples. The reviews mix products and accounts, so they do not establish how it handles commercial claims. [5](https://www.trustpilot.com/review/bhspecialty.com) [7](https://www.bbb.org/us/ma/boston/profile/insurance-agency/berkshire-hathaway-specialty-insurance-0021-439678/customer-reviews) Berkshire Hathaway Specialty Insurance has low ratings in small, mixed-product review samples that do not establish commercial claims performance. Reviewed 2026-09-29; updated 2026-09-29. ## Review Score Review Score: not enough ratings. Each eligible numerical review or satisfaction rating is converted to a score out of 10, then given equal weight. Duplicate source URLs count once. A rating with a stated source, entity, product, or population limitation may be excluded from the average while remaining visible as source evidence. BBB letter grades use a rough academic GPA conversion: A+/A = 10, A− = 9.25, B+ = 8.25, B = 7.5, B− = 6.75, C+ = 5.75, C = 5, C− = 4.25, D+ = 3.25, D = 2.5, D− = 1.75, F = 0. This is our approximation, not BBB’s formula. Complaint measures and missing ratings are excluded. Sources can cover different products, locations and years; this is a source-rating average, not a pooled customer score. Spot Score is shown separately. ## Review Sources ### Trustpilot Status: Found. Checked 2026-09-29. Scope: 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. Excluded from Review Score: The page mixes travel and commercial accounts and does not identify a comparable BHSI commercial-policy population; retain its displayed 2.1/5 from 9 as source evidence, but exclude it from a provider Review Score. Trustpilot displays a 2.1/5 TrustScore from 9 reviews. Individual reports remain reviewer allegations, not verified claim outcomes. [5](https://www.trustpilot.com/review/bhspecialty.com) TrustScore: 2.1 (out of 5); 9 reviews; Displayed when checked 2026-09-29 ### BBB Status: Found. Checked 2026-09-29. Scope: 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. Excluded from Review Score: The six reviews mix travel and commercial narratives, include a BHSI reply distinguishing a BHDIC account, and are not verified by BBB; retain the displayed 1/5 from 6 as source evidence, but exclude it from a BHSI commercial-provider Review Score. BBB displays an average of 1/5 from 6 customer reviews. The set is small and mixed-product; individual reports and responses are not independently verified evidence of general claims performance. [7](https://www.bbb.org/us/ma/boston/profile/insurance-agency/berkshire-hathaway-specialty-insurance-0021-439678/customer-reviews) Customer review average: 1 (out of 5 stars); 6 reviews; Displayed when checked 2026-09-29 ### NerdWallet Status: Not applicable. Checked 2026-09-29. Scope: The reviewed NerdWallet page assesses Berkshire Hathaway Travel Protection. It is a separate travel brand, not the BHSI U.S. commercial provider profile; do not transfer its rating. A separate Berkshire Hathaway Travel Protection review was found; no BHSI commercial-provider rating is proposed from it. [1](https://www.nerdwallet.com/travel/learn/berkshire-hathaway-travel-insurance) ### J.D. Power Status: Not found in reviewed sources. Checked 2026-09-29. Scope: Reviewed J.D. Power 2025 and 2026 U.S. Small Commercial Insurance profiled-brand target lists on 2026-09-29. The published lists omit BHSI; these target lists do not prove absence from every J.D. Power product or subscriber dataset. The inspected small-commercial study lists do not name BHSI; no BHSI score is reported. [2](https://www.jdpower.com/business/u-s-small-commercial-insurance-study/) ### NAIC Status: Not found in reviewed sources. Checked 2026-09-29. Scope: Reviewed the NAIC Consumer Insurance Search route and the 2023 IRIS ratios row for Berkshire Hathaway Specialty Insurance Company, NAIC 22276. The historic IRIS financial table is unaudited and not a current consumer complaint index or opinion. These inspected NAIC pages did not establish a current BHSIC-specific consumer complaint index. The 2023 IRIS entry is not converted into a review score or complaint finding. [3](https://content.naic.org/sites/default/files/publication-irismedian.pdf) [4](https://content.naic.org/cis_refined_results.htm) ### ConsumerAffairs Status: Not applicable. Checked 2026-09-29. Scope: The inspected ConsumerAffairs page reviews Travelex travel insurance and mentions BHSI as an underwriter for some travel products. It is not a BHSI profile or BHSI commercial-insurance aggregate. No BHSI aggregate metric is assigned from the separate Travelex review page. [6](https://www.consumeraffairs.com/insurance/travelex-insurance-services.html?page=4) ## Customer Rating Pages Trustpilot displayed a 2.1/5 TrustScore from nine reviews for bhspecialty.com when checked on September 29, 2026. The page includes travel-policy complaints and other accounts; this small user-submitted sample is not a verified measure of BHSI commercial claims performance. Its displayed figure is retained as a Trustpilot observation and excluded from a combined Review Score because the population is not comparable to BHSI commercial policyholders. [5](https://www.trustpilot.com/review/bhspecialty.com) BBB displayed a 1/5 average from six customer reviews on its page for BHSI headquarters and corporate-owned locations. The narratives include travel and commercial experiences, and a BHSI reply distinguishes a BHDIC account. BBB says third-party profile information is not verified. The displayed figure is retained as a BBB observation and excluded from a combined Review Score because the small population is not a comparable BHSI commercial-policyholder sample. [7](https://www.bbb.org/us/ma/boston/profile/insurance-agency/berkshire-hathaway-specialty-insurance-0021-439678/customer-reviews) ## Study and Regulatory Records J.D. Power’s published 2025 and 2026 small-commercial study target-brand lists do not name BHSI. That establishes no BHSI score in those inspected lists; it does not establish that BHSI is absent from every J.D. Power study or subscriber dataset. [2](https://www.jdpower.com/business/u-s-small-commercial-insurance-study/) The reviewed NAIC consumer-search and IRIS materials did not establish a current BHSI-specific consumer complaint index. The historical 2023 IRIS table identifies Berkshire Hathaway Specialty Insurance Company by NAIC 22276, but NAIC cautions that the unaudited table is not a complete financial analysis or opinion on an insurer. It is not treated here as a customer rating or complaint result. [4](https://content.naic.org/cis_refined_results.htm) [3](https://content.naic.org/sites/default/files/publication-irismedian.pdf) ## Brand and Product Scope The inspected NerdWallet page rates Berkshire Hathaway Travel Protection, a separate travel brand. ConsumerAffairs’ inspected page concerns Travelex and mentions an underwriting relationship for travel products. Neither page supplies a transferable BHSI commercial-insurance customer rating. [1](https://www.nerdwallet.com/travel/learn/berkshire-hathaway-travel-insurance) [6](https://www.consumeraffairs.com/insurance/travelex-insurance-services.html?page=4) ## Spot Score - Carrier & MGA Spot Score: Not Rated. Assessed 2026-09-29; review due 2026-12-29. Spot’s editorial score is separate from customer reviews and third-party ratings. [Read the assessment](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/reliability) or [see the methodology](https://spot.insure/spot-rating). ## Limitations - Trustpilot and BBB display small, user-submitted populations with mixed product, entity and account scope. Their figures are not representative commercial-customer surveys or claims-outcome measures. - Both numerical observations are excluded from a combined Review Score; the original displayed values and sample counts remain visible as platform-specific evidence. - No current BHSI-specific NAIC consumer complaint index or BHSI J.D. Power score was established from the reviewed sources. This does not mean such data is unavailable elsewhere. - NerdWallet and ConsumerAffairs material reviewed here concerns separate travel brands or distributors; their scores are not attributed to BHSI commercial insurance. ## Questions to Ask - Which BHSI legal insurer and policy form applied to each reviewer account? - How many reviews on each platform concern the same BHSI product, legal entity, geography and time period? - Can a current NAIC complaint-index result be established for the exact legal insurer and reporting period relevant to a buyer? ## Disclosure Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. ## Sources 1. [Berkshire Hathaway Travel Insurance Review](https://www.nerdwallet.com/travel/learn/berkshire-hathaway-travel-insurance) — NerdWallet; Review of Berkshire Hathaway Travel Protection; a travel-insurance brand distinct from the BHSI U.S. commercial-product catalogue. Reviewed for brand-scope exclusion only.; accessed 2026-09-29. 2. [U.S. Small Commercial Insurance Study](https://www.jdpower.com/business/u-s-small-commercial-insurance-study/) — J.D. Power; Profiled Brands target lists for 2025 and 2026; the enumerated brand lists omit BHSI. These lists are not complete study results or a claim that no other J.D. Power study exists.; accessed 2026-09-29. 3. [Industry Means and Median — Data Year 2023 NAIC IRIS Ratios](https://content.naic.org/sites/default/files/publication-irismedian.pdf) — National Association of Insurance Commissioners; PDF p. 16 (numbered p. 15), row 22276 Berkshire Hathaway Specialty Insurance; report explicitly cautions results are unaudited, not a complete financial analysis, and not an opinion on any insurer. This historic financial diagnostic is not a current consumer complaint index.; accessed 2026-09-29. 4. [Consumer Insurance Search — Refined Results](https://content.naic.org/cis_refined_results.htm) — National Association of Insurance Commissioners; NAIC consumer-search landing/results route and its statement that company subsidiaries may use different names; reviewed as current complaint-index source availability context. This access did not establish a BHSIC-specific current complaint index.; accessed 2026-09-29. 5. [Berkshire Hathaway Specialty Insurance Reviews](https://www.trustpilot.com/review/bhspecialty.com) — Trustpilot; Company review page; review count and TrustScore shown near page title; individual entries include mixed travel and other experiences. Reviewer-generated allegations are unverified and not a measured claims outcome.; accessed 2026-09-29. 6. [Travelex Insurance Services Reviews](https://www.consumeraffairs.com/insurance/travelex-insurance-services.html?page=4) — ConsumerAffairs; Customer review page for Travelex, a separate travel-insurance brand; page text mentions its BHSI underwriting relationship for travel products. It is not an aggregate BHSI commercial-insurance review profile.; accessed 2026-09-29. 7. [Berkshire Hathaway Specialty Insurance — BBB Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/berkshire-hathaway-specialty-insurance-0021-439678/customer-reviews) — Better Business Bureau; Headquarters/corporate-owned locations review page; average and review count at Customer Review Ratings; individual reviews span travel and commercial claims, include BHSI replies distinguishing BHDIC products, and BBB warns third-party review facts are not verified.; accessed 2026-09-29. ## Methodology The baseline covers NerdWallet, J.D. Power, NAIC, Trustpilot, ConsumerAffairs, and BBB. Additional relevant sources may also appear. Platforms may cover different products, time periods, and groups of customers, and their metrics use different methods. The Review Score combines numerical ratings and approximate BBB grade conversions on a 10-point scale, with equal weight per source. A BBB letter grade describes BBB’s view of a business; customer star ratings are a separate measure. An NAIC complaint index compares complaint volume with expected volume for a company’s size and is not a customer rating. 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