Berkshire Hathaway Specialty Insurance vs Marsh Mclennan Agency: General Liability Insurance

Marsh McLennan Agency describes general liability as coverage its advisers evaluate against a business's operations, assets, liabilities and loss exposure. Berkshire Hathaway Specialty Insurance sets a $50,000 minimum premium per policy for primary GL.

Montgomery Risk Partners prepared this library from Spot.Insure comparison research and underlying public records.Research updated 2026-09-30

What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Marsh McLennan Agency General Liability Insurance?

Primary form terms and advisory assessment

Berkshire Hathaway Specialty Insurance markets primary general liability with contractor broad-form and gradual-pollution features. Marsh McLennan Agency describes GL as an option advisers evaluate alongside an organization’s operations, assets, liabilities and loss exposure. For the buyer, BHSI’s record identifies product features to test against operations; Marsh McLennan Agency frames the line within a broader risk discussion. Neither description supplies policy wording for a particular account. [1] [6]

Published threshold and consultation route

BHSI states a $50,000 minimum premium per policy. Marsh McLennan Agency invites organizations to contact an adviser or specialist to discuss placement but does not establish a quote, bind or effective timeline. Buyers can use the BHSI floor to screen fit and use the Marsh consultation to discuss operations; then request matched limits, exclusions and carrier details for a meaningful comparison. [2] [6]

What Should You Confirm in Berkshire Hathaway Specialty Insurance and Marsh McLennan Agency General Liability Insurance Quotes?

  • Ask BHSI about eligibility, minimum premium and applicable endorsements. [2]
  • Ask Marsh McLennan Agency which insurer, limit and form the adviser proposes. [6]

BHSI markets primary GL with contractor and gradual-pollution features and a $50,000 floor; Marsh McLennan Agency says advisers evaluate GL alongside a business’s operations, assets and loss exposures.

Sources and records

  1. 01
    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

  2. 02
    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

  3. 03
    Commercial Insurance Guide

    California Department of Insurance · Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? · accessed 2026-09-16

  4. 04
    Commercial general liability insurance

    Insurance Information Institute · Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance · accessed 2026-09-16

  5. 05
    Commercial General Liability Coverage Form

    ISO; specimen hosted by Hiscox · I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12 · accessed 2026-09-16

  6. 06
    Business Insurance | MMA

    Marsh McLennan Agency · General liability is named among business insurance coverage options; advisers assess exposure and limits. · accessed 2026-09-30

Provider coverage details

Berkshire Hathaway Specialty Insurance

  • coverage: BHSI markets primary general liability, with contractor broad-form coverage, gradual-pollution features and flexible limits in its product overview. BHSI US specialty commercial primary GL. Material limitation: These are overview features, not universal policy grants; forms and endorsements vary.company-reportedSource ↗
  • eligibility: The casualty guide lists primary GL forms and identifies commercial real estate, retail/grocery, financial institutions, construction and energy as target classes. US casualty appetite guide dated 2026-07-15. Material limitation: Guide includes classes to avoid and $50,000 minimum policy premium; acceptance is underwritten.company-reportedSource ↗
  • limits: BHSI’s casualty appetite guide sets a $50,000 minimum premium per policy and lists primary GL as an eligible line. Selected US casualty accounts under guide dated 2026-07-15. Material limitation: Minimum premium is appetite guidance, not a quoted price or guaranteed minimum for all products.company-reportedSource ↗

Marsh McLennan Agency

  • role: Marsh McLennan Agency describes arranging general liability for the audience stated on the cited product page. general liability marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • eligibility: Businesses seeking commercial insurance and risk-management advice; suggested coverage depends on operations and exposure. general liability marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • coverage: The cited product page describes general liability as a business coverage option that advisers evaluate alongside the organization's operations, assets, liabilities, and loss exposure. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. general liability marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • application: The page invites organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. general liability marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
  • limits: The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred.not-disclosedSource ↗

Use this comparison as a starting point for a discussion about your business and its insurance needs.

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