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

Berkshire Hathaway Specialty Insurance’s February 2026 guide states $100 million working-layer capacity for its share. Chubb describes full-limit, primary, quota-share and excess all-risk property structures, from single businesses to large U.S.-based multinationals. ^5,^6,¹⁰

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,^2,^3,⁴

Read the Berkshire Hathaway Specialty Insurance profile

Read the Berkshire Hathaway Specialty Insurance Commercial Property Insurance page

What Is Chubb?

Chubb fits technology firms seeking DigiTech ERM or small businesses with up to $30 million in revenue seeking a BOP; buyers wanting an instant direct purchase should compare online carriers. Agents can quote eligible small accounts, with a faster cyber route. ^7,^8,⁹

Read the Chubb profile

Read the Chubb Commercial Property Insurance page

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. ^12,^13,¹⁴

Read the full coverage guide

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

Layer and program structure

Chubb describes full-limit, primary, quota-share and excess all-risk property, available as monoline or package programs. BHSI’s U.S. guide lists $100 million working-layer capacity and a $100,000 minimum premium for BHSI’s share; these are appetite figures, not an insured limit or quote. Ask each market to show its proposed share, attachment and position in the full tower. ¹⁰ ⁶

Perils and account fit

BHSI lists all-risk property and selected earthquake, flood and windstorm offerings, subject to peril, state, risk and capacity. Chubb describes all-risk property and scales its offering from single businesses to large U.S.-based multinationals. Compare the locations and catastrophe schedule with the actual forms and confirm whether BHSI’s selected single-peril option is available for each site. ⁵ ¹⁰

Risk and claims services

Chubb describes property risk consulting and field inspections and catastrophe management for claims. BHSI’s reviewed property claims document products, audience and capacity guidance, but do not provide a parallel service claim. Ask Chubb which services apply to this account and ask BHSI directly what support accompanies a proposed placement. ¹⁰ ⁵

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

What share, attachment and full-limit or layered structure is Chubb quoting? ¹⁰
Does BHSI’s February 2026 working-capacity guidance apply to this property schedule? ⁶
Which risk-consulting and catastrophe-claim services are included for this account? ¹⁰

Berkshire Hathaway Specialty Insurance and Chubb Review Scores

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

Berkshire Hathaway Specialty Insurance Review Score

-/ 10

Review Score

No reviews found

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.^[5]^[7]

Read Berkshire Hathaway Specialty Insurance reviews

Chubb Review Score

6.9/ 10

Review Score

5 rated sources

Chubb earns 5/5 from NerdWallet, which reports fewer-than-expected commercial property and liability complaints. Customer ratings are mixed across products and locations.^[1]^[4]^[7]^[8]^[9]

Read Chubb reviews

Berkshire Hathaway Specialty Insurance vs Chubb Commercial Property Compared

Berkshire Hathaway Specialty Insurance vs Chubb: Commercial Property Insurance: documented features by provider

Criteria	Commercial property all-risk and selected single-peril/catastrophe offerings	Chubb Commercial Property Insurance
Role in This Line	Confirm in your quote.	Chubb underwrites commercial property insurance directly, sold as monoline property, multi-line property combined with other coverages such as liability, or as part of large and complex property programs. ¹⁰Company-reported. Commercial Property product page; describes Chubb's own property offerings.
Who It’s For	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.	Chubb lists the industries it serves for commercial property, including business services, financial services, healthcare, life sciences, manufacturing, real estate and hospitality, retail, technology and transportation. Smaller businesses can also get property coverage packaged inside a Chubb BOP for up to $30 million in revenue. ^10,¹¹Company-reported. Commercial Property "Who we serve" list and BOP eligibility criteria.
Coverage Features	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.	Chubb says it can provide full-limit package or monoline, primary, quota share and excess all-risk property insurance, scaling from a single business to large U.S.-based multinational organizations. ¹⁰Company-reported. Commercial Property product page coverage description.
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. 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.	The reviewed property page does not publish specific coverage limits, sublimits or deductibles; it says these vary by monoline, multi-line or large/complex program. ¹⁰Not found in reviewed sources. Commercial Property product page as read on 2026-09-23.
Risk Services	Confirm in your quote.	Chubb Risk Consulting is offered to property policyholders, aiming to help clients manage risk with long-term loss-prevention solutions, and Chubb describes a dedicated property claims process including on-site inspections by field adjusters and a catastrophe management team. ¹⁰Company-reported. Commercial Property product page Risk Consulting and Property Claims sections.
How to Apply	Confirm in your quote.	You can request a property insurance quote online through Chubb's site, or through an appointed independent agent or broker. ¹⁰Company-reported. Commercial Property product page quote call-to-action.
Claims Support	Confirm in your quote.	Chubb describes a coordinated property-claims response including trained property claim representatives, field adjusters for on-site inspections, and a multinational claim unit for cross-border losses. ¹⁰Company-reported. Commercial Property product page Claims section; describes Chubb's general property-claims process, not a policy-specific guarantee.

Related Pages for Berkshire Hathaway Specialty Insurance vs Chubb

Commercial Property Pages for Berkshire Hathaway Specialty Insurance and Chubb

Other Coverage Lines Compared for Berkshire Hathaway Specialty Insurance vs Chubb

Other Commercial Property Insurance Provider Comparisons

Sources for Berkshire Hathaway Specialty Insurance vs Chubb

Sources About Berkshire Hathaway Specialty Insurance

At A Glance. 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.
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.
Terms of Service. 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.
Public Disclosure — 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.
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.
General Property Appetite Guide. 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 Chubb

Insurance for Technology Companies. Chubb; Commercial package insurance section naming BOP, Benchmarq and Customarq as package options for small and midsize technology businesses. Accessed 2026-09-23.
Terms Of Use. Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
Cyber Insurance Coverage & Products. Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
Commercial Property Insurance. Chubb; Coverages: Monoline Property, Multi-line Property, Large and Complex Property; Who we serve industry list; Chubb Risk Consulting; Chubb Property Claims. Accessed 2026-09-23.
Business Owner's Policy (BOP) Insurance. Chubb; Chubb BOP Insurance Eligibility: up to $30M revenue, 500+ business classes. Accessed 2026-09-23.

Sources for the Commercial Property Insurance Guide

Commercial Insurance Guide. 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.
Business Interruption Insurance/Businessowner’s Policies (BOP). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16.
Commercial property insurance guide. Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your insurance. Accessed 2026-09-16.