---
title: "Berkshire Hathaway Specialty Insurance vs CFC: Commercial Property Insurance"
description: "Berkshire Hathaway Specialty Insurance lists all-risk and selected-peril property, while CFC describes building, contents and resulting business interruption within its Property & Casualty package."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/commercial-property"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-cfc"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "cfc"
coverage-line: "commercial-property"
---

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[Human-readable page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/commercial-property)

## Agent Guide

**What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and CFC for Commercial Property 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 Commercial Property Insurance questions about Berkshire Hathaway Specialty Insurance versus CFC. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Commercial Property Insurance. Providers: Berkshire Hathaway Specialty Insurance and CFC.
- 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:**
- [Berkshire Hathaway Specialty Insurance vs CFC](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc) — parent: all coverage lines for this pair
- [Commercial Property Insurance guide](https://spot.insure/coverage/commercial-property) — coverage explainer for this line
- [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) — provider profile (evidence)
- [CFC profile](https://spot.insure/insurance-providers/cfc) — provider profile (evidence)
- [Berkshire Hathaway Specialty Insurance vs CFC Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/crime) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs CFC Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/cyber) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs CFC D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs CFC Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs CFC General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/general-liability) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs CFC Media Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/media) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs CFC Product Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/product-liability) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs CFC Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs CFC Representations and Warranties Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/representations-warranties) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs CFC Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs CFC Umbrella and Excess Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Commercial Property Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs CFC Commercial Property Insurance](https://spot.insure/compare/aig-vs-cfc/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs CFC Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/commercial-property) — 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 CFC Commercial Property Insurance](https://spot.insure/compare/aon-vs-cfc/commercial-property) — sibling comparison (other line, or other pair for this line)

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

Berkshire Hathaway Specialty Insurance lists all-risk and selected-peril property, while CFC describes building, contents and resulting business interruption within its Property & Casualty package.

## How to Use the Berkshire Hathaway Specialty Insurance vs CFC Commercial Property Insurance Comparison

Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and CFC for Commercial Property 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.

## Berkshire Hathaway Specialty Insurance vs CFC Commercial Property Insurance Summary

CFC’s Property & Casualty brochure describes building, contents and resulting business interruption, with a separate $10 million property limit. Berkshire Hathaway Specialty Insurance lists all-risk and selected-peril property; its 2026 U.S. appetite guide states working capacity for BHSI’s share. [5](https://www.bhspecialty.com/us-products/us-property/ "Property") [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf "General Property Appetite Guide") [12](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States")

## 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. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [2](https://www.bhspecialty.com/about-us/ "About Us") [3](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") [4](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 CFC Insurance?

CFC fits technology businesses seeking one eligible package for E&O, cyber, media/IP and general liability; buyers wanting to bind directly online should compare other routes. Its cyber policies may also include 24/7 incident support. [7](https://www.cfc.com/en-us/company/ "About CFC") [8](https://www.cfc.com/en-us/products/industry/technology/ "Technology") [9](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [10](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

[CFC profile](https://spot.insure/insurance-providers/cfc)

## What Is Commercial Property Insurance?

Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. [14](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [15](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop "Business Interruption Insurance/Businessowner’s Policies (BOP)") [16](https://www.tdi.texas.gov/pubs/consumer/cb021.html "Commercial property insurance guide")

## What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and CFC Commercial Property Insurance?

### Package and coverage components

CFC places property within its Property & Casualty product, where the property portion pays to repair or rebuild a building and includes contents and resulting business interruption after a covered loss. BHSI lists commercial property as an offering and selected single-peril choices; that catalog does not describe a liability package. Ask which liability lines accompany CFC’s quote and which property forms BHSI proposes. [12](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") [5](https://www.bhspecialty.com/us-products/us-property/ "Property")

### Property limits and layers

CFC’s U.S. brochure states a property limit up to $10 million within its package. BHSI’s February 2026 guide states $100 million working-layer capacity and a $100,000 minimum premium per policy for BHSI’s share; capacity is neither the insured limit nor a quote. Compare scheduled values, CFC’s quoted property limit and BHSI’s actual proposed share and attachment. [12](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf "General Property Appetite Guide")

### Interruption and catastrophe terms

CFC says resulting business interruption is included when a covered loss makes the premises unusable; its brochure leaves exact perils and exclusions to the issued policy. BHSI lists all-risk property and selected earthquake, flood and windstorm offerings, whose availability depends on state, risk and capacity. Ask both markets to identify interruption triggers and catastrophe terms in the proposed forms. [12](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") [5](https://www.bhspecialty.com/us-products/us-property/ "Property")

## What Should You Confirm in Berkshire Hathaway Specialty Insurance and CFC Commercial Property Insurance Quotes?

- Does CFC’s property limit cover the scheduled building, contents and interruption values? [12](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States")
- For BHSI, what share, attachment and minimum premium apply to this submission? [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf "General Property Appetite Guide")
- Which catastrophe perils and interruption triggers are written into each issued form? [12](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States")

## Berkshire Hathaway Specialty Insurance vs CFC Commercial Property Compared

| Criteria | Commercial property all-risk and selected single-peril/catastrophe offerings | CFC Property & Casualty |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | CFC sells commercial property coverage bundled into one Property & Casualty policy alongside general liability, rather than as a standalone property product. [11](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty") [12](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") (Evidence: Company-reported; scope: Property & casualty product page and its product brochure; the page describes property and general liability as a single policy, not separate offerings..) |
| Issuing Insurer | Confirm in your quote. | 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](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty") [12](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") (Evidence: Not publicly disclosed; scope: 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..) |
| Who It’s For | BHSI targets property portfolios in sectors including public entities, finance, healthcare, education, manufacturing and retail. [5](https://www.bhspecialty.com/us-products/us-property/ "Property") (Evidence: Company-reported; scope: 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. [12](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") (Evidence: Company-reported; scope: Brochure's "What we love" and "What we ordinarily decline" lists, published for the combined property & casualty product; actual acceptance depends on individual underwriting..) |
| Coverage Features | BHSI lists all-risk commercial property and selected single-peril offerings such as earthquake, flood and windstorm. [5](https://www.bhspecialty.com/us-products/us-property/ "Property") (Evidence: Company-reported; scope: 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. [12](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") (Evidence: Company-reported; scope: Brochure's "Property, contents and business interruption cover" section; exact perils and exclusions are set by the policy as issued..)<br><br>Optional add-ons to the property & casualty policy include legal expenses cover, a cyber and privacy extension, and a product recall extension. [12](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") (Evidence: Company-reported; scope: Brochure's "Coverage enhancements" list; availability depends on underwriting..) |
| Limits and Retentions | 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. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf "General Property Appetite Guide") (Evidence: Company-reported; scope: 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. [12](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf "Property & casualty | Product brochure | United States") (Evidence: Company-reported; scope: Brochure's "Limits" section; the limit actually issued depends on underwriting..) |
| Claims Support | Confirm in your quote. | 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. [13](https://www.cfc.com/en-us/claims/ "Claims") (Evidence: Company-reported; scope: CFC's claims page team listing; the page does not publish claim volumes or turnaround times specific to property..) |

## Related Pages for Berkshire Hathaway Specialty Insurance vs CFC

- [Berkshire Hathaway Specialty Insurance vs CFC](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc): all coverage lines, business roles, service and claims.
- [What Is Commercial Property Insurance?](https://spot.insure/coverage/commercial-property): Commercial property insurance can protect buildings, equipment and inventory, while valuation, deductibles, exclusions and income protection affect your cost after a loss.
- [Berkshire Hathaway Specialty Insurance vs CFC Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/crime)
- [Berkshire Hathaway Specialty Insurance vs CFC Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/cyber)
- [Berkshire Hathaway Specialty Insurance vs CFC D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/directors-officers)
- [Berkshire Hathaway Specialty Insurance vs CFC Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/employment-practices)
- [Berkshire Hathaway Specialty Insurance vs CFC General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/general-liability)
- [Berkshire Hathaway Specialty Insurance vs CFC Media Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/media)
- [Berkshire Hathaway Specialty Insurance vs CFC Product Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/product-liability)
- [Berkshire Hathaway Specialty Insurance vs CFC Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/professional-errors-omissions)
- [Berkshire Hathaway Specialty Insurance vs CFC Representations and Warranties Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/representations-warranties)
- [Berkshire Hathaway Specialty Insurance vs CFC Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/technology-errors-omissions)
- [Berkshire Hathaway Specialty Insurance vs CFC Umbrella and Excess Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/umbrella-excess)
- [AIG vs Berkshire Hathaway Specialty Insurance Commercial Property Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/commercial-property)
- [AIG vs CFC Commercial Property Insurance](https://spot.insure/compare/aig-vs-cfc/commercial-property)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/commercial-property)
- [Alliance Risk vs CFC Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-cfc/commercial-property)
- [Aon vs Berkshire Hathaway Specialty Insurance Commercial Property Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/commercial-property)
- [Aon vs CFC Commercial Property Insurance](https://spot.insure/compare/aon-vs-cfc/commercial-property)

## Sources for Berkshire Hathaway Specialty Insurance vs CFC

### Sources About Berkshire Hathaway Specialty Insurance

1. [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.
2. [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.
3. [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.
4. [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.
5. [Property](https://www.bhspecialty.com/us-products/us-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.
6. [General Property Appetite Guide](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf). 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.

### Sources About CFC

7. [About CFC](https://www.cfc.com/en-us/company/). CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
8. [Technology](https://www.cfc.com/en-us/products/industry/technology/). CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
9. [Technology — United States product brochure](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). CFC; Page 1: coverage sections, including Products and services liability; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
10. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC USA Inc.; CFC Underwriting Limited; CFC Lloyd’s Syndicate 1988. Accessed 2026-09-16.
11. [Property & casualty](https://www.cfc.com/en-us/products/class/property-casualty/). CFC; Our property & casualty products: Property & casualty tile description; downloads (brochure, application form). Accessed 2026-09-23.
12. [Property & casualty | Product brochure | United States](https://www.cfc.com/media/1awlmtz2/property-and-casualty_product-brochure_us_0925.pdf). CFC; At a glance; Property, contents and business interruption cover; Limits; What we love; What we ordinarily decline; Coverage enhancements. Accessed 2026-09-23.
13. [Claims](https://www.cfc.com/en-us/claims/). CFC; Our claims team: Dean Plumridge, Claims Team Leader, Property and Casualty. Accessed 2026-09-23.

### Sources for the Commercial Property Insurance Guide

14. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; What Should I Expect from a Broker-Agent; Commercial Property: Coverage Sections, Limits of Insurance, and Coinsurance; Covered Causes of Loss; Valuation Types; Inland Marine. Accessed 2026-09-16.
15. [Business Interruption Insurance/Businessowner’s Policies (BOP)](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16.
16. [Commercial property insurance guide](https://www.tdi.texas.gov/pubs/consumer/cb021.html). Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your insurance. 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.

## 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).

## CFC Review Scores for 2026

Review Score: not enough ratings.

The reviewed sources did not yield customer reviews of CFC; the available survey concerns UK brokers. The one rating we found is from UK brokers: 4.76 out of 5 in Insurance Times’ 2024/25 survey.

- Insurance Times MGA survey: Insurance Times MGA rating (2024/25, broker survey) 4.76 (out of 5). UK broker survey of MGAs (Insurance Times, with the MGAA). Rates how brokers find CFC to work with. It is not a policyholder review. Period: 2024/25 survey; 'over 1,650 brokers' across all MGAs, not CFC alone. Checked 2026-09-29. [Five Star 2024/25 MGA Overall Ratings](https://www.insurancetimes.co.uk/ratings/mga-2024-ratings); [Five Star 2025/26 MGA Overall Ratings](https://www.insurancetimes.co.uk/ratings/mga-2025-ratings)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/commercial-property.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)