---
title: "Aon vs Berkshire Hathaway Specialty Insurance: Builders Risk Insurance"
description: "Aon describes construction-property advice; Berkshire Hathaway Specialty Insurance lists hot testing, commissioning, delay, and soft-cost features with several placement and form options."
canonical: "https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/builders-risk"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "aon-vs-berkshire-hathaway-specialty-insurance"
provider-a: "aon"
provider-b: "berkshire-hathaway-specialty-insurance"
coverage-line: "builders-risk"
---

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[Human-readable page](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/builders-risk)

## Agent Guide

**What this page is:** Focused comparison of Aon and Berkshire Hathaway Specialty Insurance for Builders Risk Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Builders Risk Insurance questions about Aon versus Berkshire Hathaway Specialty Insurance. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Aon vs Berkshire Hathaway Specialty Insurance for Builders Risk Insurance: how do they differ?
- Which is better for Builders Risk Insurance, Aon or Berkshire Hathaway Specialty Insurance?
- What does Aon or Berkshire Hathaway Specialty Insurance publish about Builders Risk Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Builders Risk Insurance from Aon or Berkshire Hathaway Specialty Insurance?

**Key facts:**
- Line: Builders Risk Insurance. Providers: Aon and Berkshire Hathaway Specialty Insurance.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [Aon vs Berkshire Hathaway Specialty Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance) — parent: all coverage lines for this pair
- [Builders Risk Insurance guide](https://spot.insure/coverage/builders-risk) — coverage explainer for this line
- [Aon profile](https://spot.insure/insurance-providers/aon) — provider profile (evidence)
- [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) — provider profile (evidence)
- [Aon vs Berkshire Hathaway Specialty Insurance Cargo and Transit Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [Aon vs Berkshire Hathaway Specialty Insurance Commercial Property Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Aon vs Berkshire Hathaway Specialty Insurance Crime Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs Berkshire Hathaway Specialty Insurance Cyber Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/cyber) — sibling comparison (other line, or other pair for this line)
- [Aon vs Berkshire Hathaway Specialty Insurance D&O Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Aon vs Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Aon vs Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs Berkshire Hathaway Specialty Insurance General Liability Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/general-liability) — sibling comparison (other line, or other pair for this line)
- [Aon vs Berkshire Hathaway Specialty Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs Berkshire Hathaway Specialty Insurance Surety Bonds](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Aon vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Aon Builders Risk Insurance](https://spot.insure/compare/aig-vs-aon/builders-risk) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Aon Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-aon/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Aon vs The Baldwin Group Builders Risk Insurance](https://spot.insure/compare/aon-vs-baldwin/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Aon vs Chubb Builders Risk Insurance](https://spot.insure/compare/aon-vs-chubb/builders-risk) — sibling comparison (other line, or other pair for this line)

# Aon vs Berkshire Hathaway Specialty Insurance: How Do They Compare for Builders Risk Insurance?

Aon describes construction-property advice; Berkshire Hathaway Specialty Insurance lists hot testing, commissioning, delay, and soft-cost features with several placement and form options.

## How to Use the Aon vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance Comparison

Use this comparison to evaluate Aon and Berkshire Hathaway Specialty Insurance for Builders Risk Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Aon vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance Summary

Berkshire Hathaway Specialty Insurance’s U.S. Builder’s Risk page lists hot testing, commissioning, delay, and soft-cost features, while Aon describes accidental damage to project property or materials during construction and operations. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [8](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk")

## What Is Aon?

Aon’s U.S. Commercial Risk terms describe brokerage for certain insurance programs, while its Middle Market page describes a dedicated practice for mid-sized organizations across North America. The public materials reviewed do not identify the licensed producer or insurer for a particular placement. Ask which entity will produce each line and which insurer will issue the policy; request jurisdiction details for the proposed placement and ask how compensation and claim notice work for your account. [1](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us "Commercial Risk Solutions U.S. Brokerage Terms of Service") [2](https://www.aon.com/en/capabilities/middle-market-clients "Middle Market Clients")

[Aon profile](https://spot.insure/insurance-providers/aon)

## 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. [4](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [5](https://www.bhspecialty.com/about-us/ "About Us") [6](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") [7](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/ "Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch")

[Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance)

## What Is Builders Risk Insurance?

Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. [10](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [12](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf "Builders Risk Coverage Form") [13](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf "Builders Risk Application Tip Sheet")

## What Are the Key Differences Between Aon and Berkshire Hathaway Specialty Insurance Builders Risk Insurance?

### Testing, Delay, and Soft Costs

Berkshire Hathaway Specialty Insurance specifically lists hot testing and commissioning, delay, and soft-cost features in its Builder’s Risk description. Aon describes construction property protection for accidental damage to project property or materials, without naming those features in the reviewed line record. A buyer whose schedule includes commissioning or whose financing depends on a timely opening should ask which testing phases and delay costs the proposed wording addresses; a general construction-property description does not resolve them. [8](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk") [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management")

### Placement and Project Review

The two records also describe different placement conversations. Aon emphasizes project risk advice and a global broking network; Berkshire Hathaway Specialty Insurance lists primary and excess placements, single-peril and difference-in-conditions options, and says underwriting may request project details, contractor loss history, and a construction schedule. That gives buyers concrete form and submission points to settle early, while the broker’s selected insurer and participation remain quote-specific. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [8](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk") [9](https://www.bhspecialty.com/wp-content/uploads/marketing/Builders-Risk-Appetite-Guide-US.pdf "Builder’s Risk Appetite Guide")

## What Should You Confirm in Aon and Berkshire Hathaway Specialty Insurance Builders Risk Insurance Quotes?

- Does the proposed form cover hot testing, commissioning, delay, and soft costs, and under what triggers? [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [8](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk")
- Is the quote primary or excess, and which project documents and loss history does underwriting require? [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [8](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk")

## Aon vs Berkshire Hathaway Specialty Insurance Builders Risk Compared

| Criteria | Aon Builders Risk brokerage and risk-advisory offering | Builder’s Risk |
| --- | --- | --- |
| Role in This Line | Aon says its global construction practice designs and places risk solutions and uses broking experience and a global network across construction insurance lines. For builders risk, this is evidence of Aon’s brokered market offering; the page does not identify the insurer for a buyer’s placement. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Company-reported; scope: Aon’s global construction and infrastructure practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement..) | BHSI describes primary and excess options for its Builder’s Risk products, along with single-peril and difference-in-conditions choices. [8](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk") (Evidence: Company-reported; scope: These are marketed placement options, not a commitment to provide any layer or a statement about how a specific project is insured..) |
| Issuing Insurer | The reviewed practice page does not name the insurer or producing legal entity for a specific placement. Ask for both on the quote and binder. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Not found in reviewed sources; scope: Aon’s global practice page as reviewed 2026-09-30; no state-specific placement schedule or buyer quote was reviewed. This does not establish that Aon cannot arrange a placement..) | Confirm in your quote. |
| Who It’s For | Aon describes its global construction and infrastructure practice as serving contractors, owners, developers, engineers, architects, designers, financiers and investors, and says it works with organizations of varied sizes and complexity. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Company-reported; scope: Audience described for Aon’s global construction and infrastructure practice. It does not establish U.S. state availability or underwriting eligibility for a placement..) | BHSI separates its EAR and CAR target categories; it says Master Builder’s Risk is considered selectively. [8](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk") (Evidence: Company-reported; scope: The published target categories guide submission discussions; they do not guarantee eligibility or acceptance..) |
| Coverage Features | Aon lists Builders Risk under construction property and says its construction property offering can address accidental damage to project property or materials during construction and operations. That is a broker’s description of the line, not a grant of coverage for a buyer. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Company-reported; scope: Aon’s marketing description of the brokerage/coverage area. The page is not the insurer’s policy form and does not establish an insured's entitlement to coverage..) | BHSI describes Builder’s Risk as project property coverage and lists hot testing/commissioning, delay and soft-cost features. [8](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk") (Evidence: Company-reported; scope: U.S. product-page marketing summary; does not establish that each extension is included in every project policy..)<br><br>The page describes primary and excess placements and single-peril or difference-in-conditions options alongside its all-risk product description. [8](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk") (Evidence: Company-reported; scope: These are marketed options, not a statement that a particular quote includes them..)<br><br>BHSI lists its Builder’s Risk Form, follow-form quota-share or excess forms, and broker manuscript forms as options. [9](https://www.bhspecialty.com/wp-content/uploads/marketing/Builders-Risk-Appetite-Guide-US.pdf "Builder’s Risk Appetite Guide") (Evidence: Company-reported; scope: A form being listed does not establish that it will be used for a project or what its final terms contain..) |
| Limits and Retentions | The reviewed page does not state a buyer-specific limit, retention, deductible or other placement terms. Confirm these in the quote, bond or issued policy. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Not publicly disclosed; scope: Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed..) | Confirm in your quote. |
| Risk Services | Aon describes project risk-advisory services to understand project-specific risks and develop risk-transfer, management or mitigation strategies. It also describes a global construction team and market access. These are company-reported brokerage and advisory services, not coverage benefits. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Company-reported; scope: Company-reported advisory services on Aon’s global practice page; account-specific service scope is not stated..) | Confirm in your quote. |
| How to Apply | Confirm in your quote. | BHSI says underwriting may request coverage specifications, a project description, contractor loss experience and a construction schedule, among other project details. [9](https://www.bhspecialty.com/wp-content/uploads/marketing/Builders-Risk-Appetite-Guide-US.pdf "Builder’s Risk Appetite Guide") (Evidence: Company-reported; scope: The guide gives examples rather than a universal or complete checklist; requirements depend on the submission..) |

## Related Pages for Aon vs Berkshire Hathaway Specialty Insurance

- [Aon vs Berkshire Hathaway Specialty Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance): all coverage lines, business roles, service and claims.
- [What Is Builders Risk Insurance?](https://spot.insure/coverage/builders-risk): Builders risk insures a building and its materials against physical loss while it is under construction, but stored or in-transit materials, the existing structure in a renovation, and early occupancy can fall outside it.
- [Aon vs Berkshire Hathaway Specialty Insurance Cargo and Transit Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/cargo-transit)
- [Aon vs Berkshire Hathaway Specialty Insurance Commercial Property Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/commercial-property)
- [Aon vs Berkshire Hathaway Specialty Insurance Crime Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/crime)
- [Aon vs Berkshire Hathaway Specialty Insurance Cyber Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/cyber)
- [Aon vs Berkshire Hathaway Specialty Insurance D&O Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/directors-officers)
- [Aon vs Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/employment-practices)
- [Aon vs Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/fiduciary)
- [Aon vs Berkshire Hathaway Specialty Insurance General Liability Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/general-liability)
- [Aon vs Berkshire Hathaway Specialty Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/professional-errors-omissions)
- [Aon vs Berkshire Hathaway Specialty Insurance Surety Bonds](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/surety-bonds)
- [Aon vs Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/umbrella-excess)
- [AIG vs Aon Builders Risk Insurance](https://spot.insure/compare/aig-vs-aon/builders-risk)
- [AIG vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/builders-risk)
- [Alliance Risk vs Aon Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-aon/builders-risk)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/builders-risk)
- [Aon vs The Baldwin Group Builders Risk Insurance](https://spot.insure/compare/aon-vs-baldwin/builders-risk)
- [Aon vs Chubb Builders Risk Insurance](https://spot.insure/compare/aon-vs-chubb/builders-risk)

## Sources for Aon vs Berkshire Hathaway Specialty Insurance

### Sources About Aon

1. [Commercial Risk Solutions U.S. Brokerage Terms of Service](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us). Aon; Lines 120–127: certain-program broker-of-record scope, consultation, application assistance, client signature and bind instruction, and account administration; lines 140–147: variable and contingent compensation, potential placement incentive, and client request route; lines 206–213: no price guarantee and surplus-lines limitations; lines 229–231: client insurer-notice duty unless separately agreed.. Accessed 2026-09-29.
2. [Middle Market Clients](https://www.aon.com/en/capabilities/middle-market-clients). Aon; Lines 125–132: mid-sized organizations and middle-market framing; lines 165–173: dedicated practice and North America statement; lines 188–224: Commercial Risk capabilities. No numeric company-size cutoff or U.S.-only eligibility rule is stated on the reviewed page.. Accessed 2026-09-29.
3. [Construction and Infrastructure Insurance and Risk Management](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management). Aon; Construction client audience and global placement role, lines 123–126; offering descriptions lines 135–156; coverage-area taxonomy lines 167–195; contact link lines 120–122. Global practice page; no U.S. state or account-specific placement schedule.. Accessed 2026-09-30.

### Sources About Berkshire Hathaway Specialty Insurance

4. [At A Glance](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf). 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.
5. [About Us](https://www.bhspecialty.com/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.
6. [Terms of Service](https://www.bhspecialty.com/terms-conditions/). 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.
7. [Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch](https://www.bhspecialty.com/asia/singapore-products/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.
8. [Builder’s Risk](https://www.bhspecialty.com/us-products/us-builders-risk/). Berkshire Hathaway Specialty Insurance; Retained canonical source record locator: current U.S. product page, lines 6–35: all-risk project coverage, hot testing/commissioning, delay/startup/soft costs, single-peril/DIC primary/excess, EAR/CAR target categories and selectively considered Master Builder’s Risk. Prior actual access 2026-09-28; direct re-open failed in this session.. Accessed 2026-09-28.
9. [Builder’s Risk Appetite Guide](https://www.bhspecialty.com/wp-content/uploads/marketing/Builders-Risk-Appetite-Guide-US.pdf). Berkshire Hathaway Specialty Insurance; U.S. guide pp. 1–2: marketed coverage/participation and targeted classes, lines 0–35; listed BHSI, follow-form and broker-manuscript policy forms, plus example submission information, lines 39–53; dated 2026-01-30 A; all coverage remains subject to the actual policy, lines 63–65.. Accessed 2026-09-30.

### Sources for the Builders Risk Insurance Guide

10. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16.
11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
12. [Builders Risk Coverage Form](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf). Insurance Services Office, Inc.; hosted by Touchpoint Markets; A.1–3 p.1; B.3.c p.11; C,D,E p.12. Accessed 2026-09-16.
13. [Builders Risk Application Tip Sheet](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf). US Assure; General policy application tips p.1; Remodeling tips p.2. Accessed 2026-09-16.

Updated 2026-10-01. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Aon Review Scores for 2026

Review Score: 6.1 / 10 from 3 rated sources, equally weighted.

Public ratings for Aon are low: Trustpilot shows 1.2 out of 5 from 782 reviews, and BBB shows 1.6 from five. Aon is a global firm, so those pages mostly reflect other parts of the business, not large U.S. commercial accounts.

- J.D. Power: Aon study score 822 (out of 1000). Historical 2017 large-commercial-broker study; U.S. and Canada commercial insurance decision-makers at large organizations. J.D. Power reports 2,506 evaluations across the study, not Aon-specific responses; the Aon respondent count is not stated. Period: 2017 study; ranked 3rd among large commercial brokers; study-wide population 2,506, not Aon review count. Checked 2026-09-29. [Diversity of Offerings Becomes Key Differentiator for Large Commercial Insurers, JD Power Finds](https://www.jdpower.com/business/press-releases/jd-power-2017-large-commercial-insurance-study)
- Trustpilot: TrustScore 1.2 (out of 5); 782 reviews. Global www.aon.com profile merged with other Aon profiles; mixed experiences include pensions, travel, professional indemnity and Australian business quotation service. The two latter complaints are individual unverified allegations, not evidence of U.S. commercial-placement outcomes or insurer fault. Trustpilot says reviews may not be representative because the company has not recently invited reviews. Period: Displayed 2026-09-29; page separately showed 198 reviews in the last 12 months. Checked 2026-09-29. [Aon Reviews](https://www.trustpilot.com/review/www.aon.com)
- BBB: BBB business grade B− (BBB letter grade; stated reason: failure to respond to two filed complaints). BBB of Chicago & Northern Illinois profile for Aon plc; the business grade is BBB’s own measure, not customer stars. Checked 2026-09-29. [Aon plc | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-companies/aon-plc-0654-5291)
- BBB: BBB customer review average 1.6 (out of 5); 5 reviews. BBB of Chicago & Northern Illinois customer reviews for Aon plc; some reviews are about employee-benefit and medical-expense issues. Period: checked 2026-09-29. Checked 2026-09-29. [Aon plc | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-companies/aon-plc-0654-5291/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/aon/reviews).

## Berkshire Hathaway Specialty Insurance Review Scores for 2026

Review Score: not enough ratings.

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.

- Trustpilot: TrustScore 2.1 (out of 5); 9 reviews. 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. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance Reviews](https://www.trustpilot.com/review/bhspecialty.com)
- BBB: Customer review average 1 (out of 5 stars); 6 reviews. 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. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance — BBB Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/berkshire-hathaway-specialty-insurance-0021-439678/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/reviews).

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