What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Gallagher General Liability Insurance?
Form features compared with covered expense detail
Berkshire Hathaway Specialty Insurance markets primary GL with contractor broad-form and gradual-pollution features. Gallagher describes potential GL expenses including investigation and defense, court costs, settlements or judgments, medical expenses for injured third parties and required bond premiums. A buyer can use the Gallagher list to check expense treatment and ask BHSI how its policy addresses those items, alongside the contractor-specific language. [1] [4]
Large-account threshold and quote access
BHSI’s appetite guide sets a $50,000 minimum premium per policy. Gallagher offers an online quote form, a small-business advisor phone line and scheduled callbacks. That difference may affect where a small business starts: BHSI states a high minimum, while Gallagher explicitly describes small-business assistance. Gallagher’s channels do not guarantee placement or a particular insurer, so request the proposed policy details before comparing. [2] [4]