Berkshire Hathaway Specialty Insurance vs Gallagher: How Do They Compare for Business Insurance?

Gallagher’s technology practice spans startups to global enterprises and connects insurance, risk management, employee benefits, analytics and international resources. BHSI publishes a broad specialty portfolio, with binding dependent on a contracted agent’s state authority. A growing technology business with overseas operations, talent programs and multiple liability exposures can compare Gallagher’s advisory coordination with the specific BHSI products and service scope proposed for its account.

An Overview of Berkshire Hathaway Specialty Insurance and Gallagher

Gallagher describes a technology practice serving startups through global enterprises and links property and casualty coverage with risk management and employee benefits. Its public materials also name technology E&O combined with cyber, executive and financial risk, analytics tools, and global market access for complex international risks. BHSI publishes specialty products and industry segments across the U.S.; its website submissions are nonbinding and only contracted National Indemnity group agents with state authority may bind, issue or change coverage. For a technology firm adding overseas subsidiaries, hiring across markets and negotiating customer indemnities, Gallagher’s publicly described global advisory and benefits coordination is a relevant service dimension to compare. BHSI may be considered for a defined specialty placement, but the product, insurer and authorized distribution route need to be identified. These descriptions do not promise equivalent international terms or eligibility.

Startups through global companies can use Gallagher for business insurance, risk-management and benefits consulting, including a dedicated technology practice. ^26,²⁷Company-reportedUS commercial brokerage and technology practice; company descriptions, not an underwriting designation.

Gallagher’s technology specialists serve startups, middle-market businesses and global enterprises, with a separate small-business option for IT and technology firms. ^26,³¹Company-reportedUS marketed audiences; no inference of minimum premiums or acceptance of every bootstrapped applicant.

²⁶ ²⁷ ¹ ⁵

What Stands Out About Berkshire Hathaway Specialty Insurance and Gallagher?

Berkshire Hathaway Specialty Insurance at a Glance

BHSI’s U.S. materials list industry focus areas including real estate, public entities, healthcare, education, manufacturing and technology. ¹Company-reportedCompany-stated industry focus in the United States section of the At A Glance (U.S. section version 2026-8-03 A); industry lists are segment-specific, not a universal eligibility statement.
BHSI says it discusses coverage issues directly with insureds and brokers and keeps them involved in third-party settlement discussions. ⁸Company-reportedCompany-stated U.S. claims-service standards in version US 2024-10-07A; accessed 2026-09-28. Process commitments are not evidence of measured service or outcomes.

Gallagher at a Glance

Technology specialists work with companies from startup through global enterprise. ^26,³¹Company-reportedUS marketed audiences; no inference of minimum premiums or acceptance of every bootstrapped applicant.
Get executive-risk and transaction support for needs such as IPOs and M&A. ²⁷Company-reportedUS executive and financial risk practice; terms and client eligibility require placement-specific confirmation.

Berkshire Hathaway Specialty Insurance vs Gallagher Coverage Lines Compared

Coverage	Berkshire Hathaway Specialty Insurance	Gallagher
Builders risk	Listed ²²BHSI’s current U.S. Builder’s Risk page lists construction-project coverage, including hot testing/commissioning, delay and soft-cost features, and selectively considered Master Builder’s Risk programs. Project scope, eligibility, terms and issuer remain policy-specific.	Listed ³⁵Gallagher arranges builders risk.
Business owner’s policy	Not listed	Listed ³⁰Gallagher arranges business owner’s policies for small businesses.
Cargo and transit	Listed ^9,¹⁰BHSI's current Marine catalog lists Ocean Cargo, Stock Throughputs, and Project Cargo. The older US-12/22-A guide lists Project Cargo as out of appetite, so confirm its current status; BHSI lists Inland Marine separately.	Not listed
Commercial auto	Not listed	Listed ³⁰Gallagher arranges commercial auto insurance for small businesses.
Commercial property	Listed ^11,¹²BHSI lists all-risk commercial property and selected single-peril options, including earthquake, flood, and windstorm.	Listed ³⁰Gallagher arranges commercial property insurance for small businesses.
Crime	Listed ¹⁴BHSI lists Commercial Crime within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, employment-practices, fiduciary and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not a crime-specific limit. Crime coverage is distinct from fidelity bonds.	Listed ²⁷Gallagher arranges crime insurance.
Cyber liability	Listed ^23,¹⁸BHSI markets a U.S. Network Security & Privacy product with third-party breach, response-expense and network-interruption features; its Professional First overview also describes stand-alone Cyber and blended E&O/Cyber forms. Product form, eligibility, terms and issuer depend on the risk and policy.	Listed ²⁶Gallagher arranges cyber insurance.
Directors and officers	Listed ^13,¹⁴Executive First D&O liability materials describe separate public-company and private-company products.	Listed ²⁷Gallagher arranges directors and officers liability.
Employee health and benefits	Not listed	Listed Gallagher advises small businesses on individual coverage health reimbursement arrangements (ICHRA).
Employment practices liability	Listed ¹⁴BHSI lists employment-practices liability within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, fiduciary, crime and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not an EPL-specific limit.	Listed ²⁷Gallagher arranges employment practices liability.
Equipment breakdown	Not listed	Listed ³⁵Gallagher arranges boiler and machinery coverage through its property practice.
Fidelity bonds	Not listed	Listed ²⁷Gallagher arranges fidelity bonds.
Fiduciary liability	Listed ¹⁴BHSI lists fiduciary liability within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, employment-practices, crime and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not a fiduciary-specific limit.	Listed ²⁷Gallagher arranges fiduciary liability.
General liability	Listed ^15,¹⁶BHSI lists primary general liability, with contractor and pollution features described in its casualty materials.	Listed ³⁰Gallagher arranges general liability insurance for small businesses.
Intellectual property	Not listed	Listed ²⁶Gallagher arranges intellectual-property insurance.
Kidnap and ransom	Not listed	Listed ²⁷Gallagher arranges kidnap and ransom insurance.
Media liability	Listed ^18,¹⁹BHSI’s Professional First overview names Media Liability, and its architects/engineers product describes media liability only within a specialized combined design-industry form. The overview’s catalogue listing does not establish standalone terms or current account availability.	Not listed
Product liability	Listed ^15,¹⁶BHSI lists primary products and completed-operations liability as a casualty product.	Listed ²⁶Gallagher arranges product liability insurance.
Product recall	Not listed	Listed ³⁶Gallagher arranges product-recall insurance.
Professional errors and omissions (E&O)	Listed ^17,^18,¹⁹Professional First materials describe a professional-liability portfolio with several professions and service types.	Listed ³⁰Gallagher arranges professional errors and omissions insurance for small businesses.
Representations and warranties	Listed ^20,²¹BHSI lists Representations & Warranties Insurance within its Transactional Liability products.	Listed ²⁷Gallagher arranges representations and warranties insurance.
Surety bonds	Listed ²⁴BHSI’s U.S. Surety page lists performance, payment, advance-payment, maintenance, supply and warranty bonds for contractor and construction-supplier accounts. Bond obligations depend on the bond form, principal, obligee and jurisdiction; this catalogue listing does not establish bond approval or terms.	Listed ³¹Gallagher arranges surety bonds.
Technology errors and omissions (E&O)	Listed ^18,¹⁹Professional First materials identify Technology E&O as a professional-liability product.	Listed ²⁶Gallagher arranges technology errors and omissions insurance for technology businesses.
Tools, equipment and inland marine	Listed ⁹BHSI lists inland transit, motor-truck cargo, warehouse legal liability, contractor equipment, and floaters under Inland Marine.	Not listed
Umbrella and excess liability	Listed ^15,¹⁶BHSI lists lead umbrella and excess casualty within its U.S. casualty products.	Listed ³⁴Gallagher arranges umbrella and excess liability.
Workers’ compensation	Not listed	Listed ³⁰Gallagher arranges workers’ compensation insurance for small businesses.

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.

Berkshire Hathaway Specialty Insurance and Gallagher Coverage, Line by Line

Open what Berkshire Hathaway Specialty Insurance and Gallagher each document for one coverage line.

Builders Risk Insurance
- Berkshire Hathaway Specialty Insurance Builders Risk Insurance
- Gallagher Builders Risk Insurance
Commercial Property Insurance
- Berkshire Hathaway Specialty Insurance Commercial Property Insurance
- Gallagher Commercial Property Insurance
Crime Insurance
- Berkshire Hathaway Specialty Insurance Crime Insurance
- Gallagher Crime Insurance
Cyber Insurance
- Berkshire Hathaway Specialty Insurance Cyber Insurance
- Gallagher Cyber Insurance
D&O Insurance
- Berkshire Hathaway Specialty Insurance D&O Insurance
- Gallagher D&O Insurance
Employment Practices Liability Insurance
- Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance
- Gallagher Employment Practices Liability Insurance
Fiduciary Liability Insurance
- Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance
- Gallagher Fiduciary Liability Insurance
General Liability Insurance
- Berkshire Hathaway Specialty Insurance General Liability Insurance
- Gallagher General Liability Insurance
Product Liability Insurance
- Berkshire Hathaway Specialty Insurance Product Liability Insurance
- Gallagher Product Liability Insurance
Professional Liability (E&O) Insurance
- Berkshire Hathaway Specialty Insurance Professional Liability (E&O) Insurance
- Gallagher Professional Liability (E&O) Insurance
Representations and Warranties Insurance
- Berkshire Hathaway Specialty Insurance Representations and Warranties Insurance
- Gallagher Representations and Warranties Insurance
Surety Bonds
- Berkshire Hathaway Specialty Insurance Surety Bonds
- Gallagher Surety Bonds
Tech E&O Insurance
- Berkshire Hathaway Specialty Insurance Tech E&O Insurance
- Gallagher Tech E&O Insurance
Umbrella and Excess Liability Insurance
- Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance
- Gallagher Umbrella and Excess Liability Insurance

Berkshire Hathaway Specialty Insurance and Gallagher Reliability Scores

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

Berkshire Hathaway Specialty Insurance Reliability Scores

Carrier

Carrier & MGA

7.0/ 10

Provider assessment

Gallagher Reliability Scores

Broker

5.5/ 10

Provider assessment

Berkshire Hathaway Specialty Insurance and Gallagher 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

–/ 10

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.

Read Berkshire Hathaway Specialty Insurance reviews

Gallagher Review Score

9.3/ 10

Review Score

3 rated sources

Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.

Read Gallagher reviews

Key Differences Between Gallagher and Berkshire Hathaway Specialty Insurance

Advisory scope for growing technology companies

Gallagher’s technology page explicitly includes employee benefits alongside insurance and risk-management support; it describes clients from startups to global enterprises and services for international risks through its global network. BHSI’s guide centers on products and sectors it underwrites. A technology buyer coordinating cyber/E&O renewals with executive risk, benefits decisions and overseas operations can ask Gallagher for the scope and owners of that coordinated advisory work. A BHSI proposal should identify the particular policies and the contracted agent responsible for placement. Neither brand-level description establishes that every exposure will be covered or managed under one program.

Ask which service and fee model fits a bootstrapped business because reviewed Gallagher technology and small-business pages set no minimum premium, funding stage or revenue requirement. ^26,^31,³²Not publicly disclosedPublic pages and inquiry form reviewed on 2026-09-16; not evidence of no minimum.

BHSI's U.S. industry focus spans real estate, public entities, financial institutions, healthcare, education, manufacturing, retail, logistics, transportation, energy, and technology. The at-a-glance guide associates these industries with particular product segments; it does not say every segment serves every listed industry. ¹Company-reportedCompany-stated industry focus in the United States section of the At A Glance (U.S. section version 2026-8-03 A); industry lists are segment-specific, not a universal eligibility statement.

Technology risk services and buying process

Gallagher’s published technology practice names E&O with cyber, intellectual-property coverage, directors and officers, product liability and data-center risk solutions; it also describes ongoing data, portal and submission tools. BHSI’s U.S. guide spans specialty products, but the services and forms depend on the proposed account. Gallagher invites businesses to connect with its practice, while BHSI says its web submission does not bind. If the buyer is a data-center operator or software vendor with a global customer base, compare the proposed coverage schedule, risk-engineering deliverables, benefits scope and service contacts, then confirm the actual insurer and binding authority for each line.

You can begin through an advisor inquiry with company, contact, business, coverage, employee and revenue details, or call/schedule with an advisor; this does not establish instant binding or a turnaround time. ^32,³³Company-reportedPublic form inspected without submission; no quote, account creation or actual purchase tested.

BHSI's website terms say online application or quote submissions are informational and nonbinding; only contracted agents of the National Indemnity group may bind coverage, issue policies or certificates, or change coverage. Group companies' authority also varies by state, so the terms do not show that every application must begin through an agent. ⁵Company-reportedThe website's own online submissions and binding authority described by BHSI's terms; not a statement about every product's intake process or a claim that purchase can be completed online.

What Should You Confirm in Berkshire Hathaway Specialty Insurance and Gallagher Quotes?

Ask Gallagher which countries, subsidiaries and employee groups are included in the advisory and insurance proposal, who services each policy, and what global-network support means for the account. ²⁶ ³¹
Ask BHSI for the specific policy forms, issuing company, territorial scope and authorized agent for the relevant state. ¹ ⁵
Compare the deliverables for risk management, employee benefits and claims/incident support separately from policy limits and premium; marketing descriptions do not guarantee account-specific services. ²⁷ ⁵

Berkshire Hathaway Specialty Insurance vs Gallagher Services Compared

What each provider documents about the services you may need

Criteria	Berkshire Hathaway Specialty Insurance	Gallagher
Business role	BHSI’s U.S. At A Glance section (version 2026-8-03 A) lists commercial property, casualty, healthcare professional liability, executive and professional lines, surety, travel, programs, employer stop loss, and homeowners insurance. The guide is informational, not policy coverage, and its brand-level list does not identify the insurer on a particular policy. ^1,^2,⁵Company-reportedA description of BHSI's U.S. line list in its U.S. At A Glance section (version 2026-8-03 A) only. The guide says its descriptions are informational and are not coverage; its brand-level list does not assign an issuing insurer to a particular product or policy. This is not a claim that one legal insurer issues every BHSI product. Berkshire Hathaway Specialty Insurance Company (BHSIC) identifies itself in its Singapore-branch public disclosure as a Nebraska-domiciled direct property and casualty insurer, wholly owned by National Indemnity Company, which is wholly owned by Berkshire Hathaway Incorporated. The Singapore-branch disclosure states this ownership chain. A Missouri Department of Insurance record separately lists BHSIC as active, NAIC 22276, and Property and Casualty in Missouri. Neither source identifies BHSIC as the issuer of every BHSI-branded U.S. policy. ^3,^4,⁵Company-reportedCompany-reported corporate identity and ownership in BHSI's Singapore-branch public disclosure, corroborated for company identity and Missouri P&C authority by the Missouri Department of Insurance record accessed 2026-09-28. Neither source maps BHSIC as issuer for every BHSI-branded U.S. product; use policy-specific documents for that.	Startups through global companies can use Gallagher for business insurance, risk-management and benefits consulting, including a dedicated technology practice. ^26,²⁷Company-reportedUS commercial brokerage and technology practice; company descriptions, not an underwriting designation. Former Woodruff Sawyer clients can continue to access legacy client portals through Gallagher after the transition. ²⁵Company-reportedFormer-name/history alias only; no separate provider or claim that every acquired legal entity has changed its name. Confirm the entity on your engagement: Gallagher Small Business names Arthur J. Gallagher Risk Management Services, LLC, while former Woodruff Sawyer accounts should check their own documents. ^29,²⁵Company-reportedEntity disclosure is scoped to the small-business channel; not a group-wide contracting-entity assertion.
Customer focus	BHSI's U.S. industry focus spans real estate, public entities, financial institutions, healthcare, education, manufacturing, retail, logistics, transportation, energy, and technology. The at-a-glance guide associates these industries with particular product segments; it does not say every segment serves every listed industry. ¹Company-reportedCompany-stated industry focus in the United States section of the At A Glance (U.S. section version 2026-8-03 A); industry lists are segment-specific, not a universal eligibility statement. Within its U.S. executive-lines commercial and financial segment, BHSI lists publicly traded and large privately owned commercial firms; investment, money-center, national, and regional banks; asset managers; and insurance companies and brokerages. The size description applies to the commercial-firm entry, not every listed institution or all BHSI products. ¹Company-reportedOnly the U.S. Executive Lines, Commercial & Financial segment, At A Glance p. 50. The “publicly traded and large privately owned” qualifier attaches to the Commercial Firms bullet only.	Gallagher’s technology specialists serve startups, middle-market businesses and global enterprises, with a separate small-business option for IT and technology firms. ^26,³¹Company-reportedUS marketed audiences; no inference of minimum premiums or acceptance of every bootstrapped applicant. Ask which service and fee model fits a bootstrapped business because reviewed Gallagher technology and small-business pages set no minimum premium, funding stage or revenue requirement. ^26,^31,³²Not publicly disclosedPublic pages and inquiry form reviewed on 2026-09-16; not evidence of no minimum.
Application process	BHSI's website terms say online application or quote submissions are informational and nonbinding; only contracted agents of the National Indemnity group may bind coverage, issue policies or certificates, or change coverage. Group companies' authority also varies by state, so the terms do not show that every application must begin through an agent. ⁵Company-reportedThe website's own online submissions and binding authority described by BHSI's terms; not a statement about every product's intake process or a claim that purchase can be completed online.	You can begin through an advisor inquiry with company, contact, business, coverage, employee and revenue details, or call/schedule with an advisor; this does not establish instant binding or a turnaround time. ^32,³³Company-reportedPublic form inspected without submission; no quote, account creation or actual purchase tested.

Criteria

Berkshire Hathaway Specialty Insurance

Gallagher

Business role

BHSI’s U.S. At A Glance section (version 2026-8-03 A) lists commercial property, casualty, healthcare professional liability, executive and professional lines, surety, travel, programs, employer stop loss, and homeowners insurance. The guide is informational, not policy coverage, and its brand-level list does not identify the insurer on a particular policy. ^1,^2,⁵Company-reportedA description of BHSI's U.S. line list in its U.S. At A Glance section (version 2026-8-03 A) only. The guide says its descriptions are informational and are not coverage; its brand-level list does not assign an issuing insurer to a particular product or policy. This is not a claim that one legal insurer issues every BHSI product.

Berkshire Hathaway Specialty Insurance Company (BHSIC) identifies itself in its Singapore-branch public disclosure as a Nebraska-domiciled direct property and casualty insurer, wholly owned by National Indemnity Company, which is wholly owned by Berkshire Hathaway Incorporated. The Singapore-branch disclosure states this ownership chain. A Missouri Department of Insurance record separately lists BHSIC as active, NAIC 22276, and Property and Casualty in Missouri. Neither source identifies BHSIC as the issuer of every BHSI-branded U.S. policy. ^3,^4,⁵Company-reportedCompany-reported corporate identity and ownership in BHSI's Singapore-branch public disclosure, corroborated for company identity and Missouri P&C authority by the Missouri Department of Insurance record accessed 2026-09-28. Neither source maps BHSIC as issuer for every BHSI-branded U.S. product; use policy-specific documents for that.

Former Woodruff Sawyer clients can continue to access legacy client portals through Gallagher after the transition. ²⁵Company-reportedFormer-name/history alias only; no separate provider or claim that every acquired legal entity has changed its name.

Confirm the entity on your engagement: Gallagher Small Business names Arthur J. Gallagher Risk Management Services, LLC, while former Woodruff Sawyer accounts should check their own documents. ^29,²⁵Company-reportedEntity disclosure is scoped to the small-business channel; not a group-wide contracting-entity assertion.

Customer focus

Within its U.S. executive-lines commercial and financial segment, BHSI lists publicly traded and large privately owned commercial firms; investment, money-center, national, and regional banks; asset managers; and insurance companies and brokerages. The size description applies to the commercial-firm entry, not every listed institution or all BHSI products. ¹Company-reportedOnly the U.S. Executive Lines, Commercial & Financial segment, At A Glance p. 50. The “publicly traded and large privately owned” qualifier attaches to the Commercial Firms bullet only.

Application process

Sources

37 documents, numbered as cited. Open the sources

Sources for Berkshire Hathaway Specialty Insurance vs Gallagher

Berkshire Hathaway Specialty Insurance Official Website

1
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.
2
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
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.
4
Company Details — Berkshire Hathaway Specialty Insurance Company. Missouri Department of Insurance; Company Details fields: legal name, active license status, NAIC number 22276, and Property and Casualty description; Missouri regulator record also lists 2025 property-casualty lines. Accessed 2026-09-28. Accessed 2026-09-28.
5
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.
6
United States. Berkshire Hathaway Specialty Insurance; United States products directory, opened 2026-09-28. Rendered page lists U.S. category links and Casualty/Property headings (lines 6–44); this directory view is navigation, not the linked product pages or a full review of product materials. Accessed 2026-09-28.
7
Claims — United States. Berkshire Hathaway Specialty Insurance; Claims Reporting, lines 34–91; separate product-specific directions, then “All other claims” email, 24-hour toll-free phone, postal/overnight mail. Accessed 2026-09-28.
8
Claims Excellence — United States. Berkshire Hathaway Specialty Insurance; Claims Service Standards, version US 2024-10-07A in footer/document end; page 2 lines 30–34 describe coverage discussion and third-party settlement communications. Accessed 2026-09-28.
9
Marine. Berkshire Hathaway Specialty Insurance; Inland and ocean marine product list, covered property classes and target businesses; lines 18-69. Accessed 2026-09-28.
10
Ocean Marine Cargo Overview. Berkshire Hathaway Specialty Insurance; Two-page U.S. marketing PDF marked US-12/22-A; product types lines 14-20; ocean marine cargo appetite, capacity and placement lines 43-57; out-of-appetite and target risk characteristics lines 58-72; terms disclaimer lines 103-114. Accessed 2026-09-28.
11
Property. Berkshire Hathaway Specialty Insurance; All-risk, single-peril, catastrophe, inland/ocean marine and builder's risk offerings; target account descriptions. Accessed 2026-09-28.
12
General Property Appetite Guide. Berkshire Hathaway Specialty Insurance; Page 1: minimum premium, product/forms, territory, attachment and working capacity; page 2 footer identifies 2026-02-10 A; lines 0-9, 89-99. Accessed 2026-09-28.
13
Executive First Directors & Officers 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.
14
Executive First 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.
15
Casualty Appetite Guide - U.S. Berkshire Hathaway Specialty Insurance; Casualty appetite PDF page 1: $50K minimum premium, GL/products/lead umbrella/excess lines, selected $10M excess capacity, placement forms and target/avoided classes; guide dated 2026-07-15. Accessed 2026-09-28.
16
Casualty. Berkshire Hathaway Specialty Insurance; US casualty product lines and features: Primary General Liability lines 10-34; Primary Products/Completed Operations Liability 35-44; Lead Umbrella and Excess Casualty 46-63. Accessed 2026-09-28.
17
Professional First Professional Liability. Berkshire Hathaway Specialty Insurance; U.S. Professional Liability landing page links Professional Liability / Network Security & Privacy, stand-alone Network Security & Privacy, and Architects, Engineers and Consultants PL, lines 6–15; footer copyright © 2026. Accessed 2026-09-28.
18
Professional First Professional Liability Overview. Berkshire Hathaway Specialty Insurance; PDF pp.1–2: claims group and reporting; primary blended E&O/Cyber and stand-alone Cyber forms; line capacity statement; named Lawyers PL, Technology E&O, Miscellaneous PL, Media Liability, Network Security & Privacy; named technology-services target types and selection categories; dated 2026-06-03-A. Group capacity not a line policy limit. Source version: 2026-06-03-A. Accessed 2026-09-28.
19
Professional First Architects, Engineers and Consultants Professional Liability. Berkshire Hathaway Specialty Insurance; Product Highlights: professional/pollution liability; media, technology and cyber/network security/privacy liability; direct breach/extortion expenses; risk services; primary/excess and project-specific product availability; target professions, lines 6–29. Its combined-form technology feature is not itself a standalone Tech E&O statement. Accessed 2026-09-28.
20
Transactional Liability. Berkshire Hathaway Specialty Insurance; Product Highlights list R&W, tax, contingent-liability and class-action-settlement insurance; Top Targets list manufacturing, financial institutions, technology, real estate, energy, healthcare and retail, lines 6–27. The target list is for the transactional-liability portfolio, not exclusive R&W eligibility. Accessed 2026-09-28.
21
Transactional Liability Overview. Berkshire Hathaway Specialty Insurance; PDF pp.1–2: R&W, tax, contingent-liability, and class-action-settlement products; portfolio-wide primary/excess and up-to-$25m capacity; premiums/retentions vary by transaction/risk; portfolio appetite and in-house claims group; R&W buyer-use descriptions; dated 2025-05-16-A. Product-specific limits and final terms not stated. Source version: 2025-05-16-A. Accessed 2026-09-28.
22
Builder’s Risk. Berkshire Hathaway Specialty Insurance; Current U.S. page: all-risk, hot testing/commissioning, delay/startup/soft costs, single-peril/DIC primary/excess; separate EAR and CAR target categories; Master Builder’s Risk selectively considered, lines 6–35. Reopened 2026-09-28. Accessed 2026-09-28.
23
Professional First Network Security & Privacy Policy. Berkshire Hathaway Specialty Insurance; Product Highlights: third-party breach exposures, regulatory investigations/fines/penalties, direct breach/extortion expenses, electronic-content media liability, business interruption from network-security failure, eRiskHub; Top Targets: professional-services firms, lines 6–19. Accessed 2026-09-28.
24
Surety. Berkshire Hathaway Specialty Insurance; Product Highlights name performance, payment, advance-payment, maintenance, supply and warranty bonds; Top Targets name regional/national/global contractors and construction suppliers/services; PPP/project-delivery capability; lines 6–32. Accessed 2026-09-28.

Gallagher Official Website

25
Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
26
Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
27
Executive and Financial Risk Insurance. Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
28
Compensation Disclosure. Gallagher; Commissions and Fees; Contingent Commissions; Supplemental Commissions; Other Carrier Services. Accessed 2026-09-16.
29
Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
30
The Right Insurance for Your Small Business. Gallagher Small Business; Choose Your Coverage: Business Owner’s Policy, General Liability, Professional Liability/Errors and Omissions, Buildings and Property, Auto, Workers’ Comp; carrier network placement; contact route. Accessed 2026-09-16.
31
Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
32
Connect With an Advisor. Gallagher Small Business; Form fields from company name through annual revenue; acknowledgment. Accessed 2026-09-16.
33
Contact Us. Gallagher Small Business; Get a Quote; Speak With An Advisor; Schedule Time with Us. Accessed 2026-09-16.
34
Casualty Insurance. Gallagher; Holistic approach: Automobile, Workers Compensation, General and Product, Umbrella and Excess; customized excess casualty program design and placement; Robust casualty risk analysis. Accessed 2026-09-16.
35
Property Insurance. Gallagher; Introduction on building property programs with underwriters; Our services include: Builder’s risk, Boiler and machinery; global reach; Appraisal services. Accessed 2026-09-16.
36
Product Recall Insurance. Gallagher; Product Recall team paragraph: custom Product Recall, Product Contamination and Restaurant Contamination insurance, working directly with carriers; Product recall insurance coverage. Accessed 2026-09-16.
37
AI Insurance Solutions. Gallagher; AI designed to protect trust in a changing risk landscape. Accessed 2026-09-16.

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An Overview of Berkshire Hathaway Specialty Insurance and Gallagher

What Stands Out About Berkshire Hathaway Specialty Insurance and Gallagher?

Berkshire Hathaway Specialty Insurance at a Glance

Gallagher at a Glance

Berkshire Hathaway Specialty Insurance vs Gallagher Coverage Lines Compared

Berkshire Hathaway Specialty Insurance and Gallagher Coverage, Line by Line

Builders Risk Insurance

Commercial Property Insurance

Crime Insurance

Cyber Insurance

D&O Insurance

Employment Practices Liability Insurance

Fiduciary Liability Insurance

General Liability Insurance

Product Liability Insurance

Professional Liability (E&O) Insurance

Representations and Warranties Insurance

Surety Bonds

Tech E&O Insurance

Umbrella and Excess Liability Insurance

Berkshire Hathaway Specialty Insurance and Gallagher Reliability Scores

Berkshire Hathaway Specialty Insurance Reliability Scores

Gallagher Reliability Scores

Berkshire Hathaway Specialty Insurance and Gallagher Review Scores

Berkshire Hathaway Specialty Insurance Review Score

Gallagher Review Score

Key Differences Between Gallagher and Berkshire Hathaway Specialty Insurance

Advisory scope for growing technology companies

Technology risk services and buying process

What Should You Confirm in Berkshire Hathaway Specialty Insurance and Gallagher Quotes?

Berkshire Hathaway Specialty Insurance vs Gallagher Services Compared

Provider Profiles for Berkshire Hathaway Specialty Insurance and Gallagher

What Is Berkshire Hathaway Specialty Insurance?

What Is Gallagher?

Sources for Berkshire Hathaway Specialty Insurance vs Gallagher

Berkshire Hathaway Specialty Insurance Official Website

Gallagher Official Website

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