Berkshire Hathaway Specialty Insurance vs CFC: How Do They Compare for Commercial Property Insurance?

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CFC sells commercial property coverage bundled into one Property & Casualty policy alongside general liability, rather than as a standalone property product. ^11,12Company-reported. Property & casualty product page and its product brochure; the page describes property and general liability as a single policy, not separate offerings.

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The reviewed property & casualty page and brochure describe CFC as the policy designer and point of contact but do not name the insurer that carries the risk for this product. ^11,12Not publicly disclosed. Property & casualty product page and brochure as read on 2026-09-23. CFC's own materials describe it as an underwriting manager rather than a risk-bearing insurer, so a specific carrier for this product would need to come from the quote or declarations.

BHSI targets property portfolios in sectors including public entities, finance, healthcare, education, manufacturing and retail. ⁵Company-reported. Commercial property risks described by BHSI. Material limitation: Target-sector language is not a complete appetite guide or individual acceptance commitment.

CFC says it favors manufacturers and distributors, non-manual professional services, e-commerce sellers, retail stores, office premises and annual events policies for this product, and ordinarily declines amusement arcades, nightclubs and bars, manual contractors, aviation and aerospace risks, tour operators, and tire re-moulders or re-treaders. ¹²Company-reported. Brochure's "What we love" and "What we ordinarily decline" lists, published for the combined property & casualty product; actual acceptance depends on individual underwriting.

BHSI lists all-risk commercial property and selected single-peril offerings such as earthquake, flood and windstorm. ⁵Company-reported. US commercial property risks. Material limitation: Single-peril availability is separate from all-risk and depends on peril, state, risk and capacity.

CFC says the property side of the policy pays to rebuild or repair a building after a covered loss and includes cover for contents and the resulting business interruption if a loss makes premises unusable. ¹²Company-reported. Brochure's "Property, contents and business interruption cover" section; exact perils and exclusions are set by the policy as issued.

Optional add-ons to the property & casualty policy include legal expenses cover, a cyber and privacy extension, and a product recall extension. ¹²Company-reported. Brochure's "Coverage enhancements" list; availability depends on underwriting.

BHSI’s general property appetite guide lists a $100,000 minimum premium per policy for BHSI’s share and $100 million working-layer capacity, with more capacity for selected risks. ⁶Company-reported. U.S. general property appetite in guide dated 2026-02-10; per-policy premium applies to BHSI share. Material limitation: Working capacity is not an insured policy limit or quote. “More for select risks” is selective. Final terms, exclusions, issuer and availability require the policy/submission.

CFC's brochure lists a property limit of up to $10,000,000 for this policy; the casualty limit is published separately for the general-liability side of the same product. ¹²Company-reported. Brochure's "Limits" section; the limit actually issued depends on underwriting.

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CFC lists a named Claims Team Leader for Property and Casualty on its claims team, indicating the property line has its own claims handler rather than being routed through a generalist adjuster. ¹³Company-reported. CFC's claims page team listing; the page does not publish claim volumes or turnaround times specific to property.