--- title: "Berkshire Hathaway Specialty Insurance vs Chubb: Commercial Property Insurance" description: "Berkshire Hathaway Specialty Insurance publishes $100 million working-layer capacity for its share; Chubb describes primary, quota-share and excess options in monoline or package property programs." canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/commercial-property" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "berkshire-hathaway-specialty-insurance-vs-chubb" provider-a: "berkshire-hathaway-specialty-insurance" provider-b: "chubb" coverage-line: "commercial-property" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/commercial-property) ## Agent Guide **What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and Chubb 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 Chubb. 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 Chubb for Commercial Property Insurance: how do they differ? - Which is better for Commercial Property Insurance, Berkshire Hathaway Specialty Insurance or Chubb? - What does Berkshire Hathaway Specialty Insurance or Chubb 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 Chubb? **Key facts:** - Line: Commercial Property Insurance. Providers: Berkshire Hathaway Specialty Insurance and Chubb. - 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 Chubb](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb) — 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) - [Chubb profile](https://spot.insure/insurance-providers/chubb) — provider profile (evidence) - [Berkshire Hathaway Specialty Insurance vs Chubb Builders Risk Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/builders-risk) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Chubb Cargo and Transit Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/cargo-transit) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Chubb Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/crime) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Chubb Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/cyber) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Chubb D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/directors-officers) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Chubb Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/employment-practices) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Chubb Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/fiduciary) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Chubb General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/general-liability) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Chubb Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/inland-marine) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Chubb Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Chubb Representations and Warranties Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/representations-warranties) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Chubb Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/surety-bonds) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Chubb Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Chubb Umbrella and Excess Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/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 Chubb Commercial Property Insurance](https://spot.insure/compare/aig-vs-chubb/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 Chubb Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/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 Chubb Commercial Property Insurance](https://spot.insure/compare/aon-vs-chubb/commercial-property) — sibling comparison (other line, or other pair for this line) # Berkshire Hathaway Specialty Insurance vs Chubb: How Do They Compare for Commercial Property Insurance? Berkshire Hathaway Specialty Insurance publishes $100 million working-layer capacity for its share; Chubb describes primary, quota-share and excess options in monoline or package property programs. ## How to Use the Berkshire Hathaway Specialty Insurance vs Chubb Commercial Property Insurance Comparison Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Chubb 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 Chubb Commercial Property Insurance Summary 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](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") [10](https://www.chubb.com/us-en/business-insurance/property-product.html "Commercial Property Insurance") ## 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 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](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") [8](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [9](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [Chubb profile](https://spot.insure/insurance-providers/chubb) ## 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](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [13](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop "Business Interruption Insurance/Businessowner’s Policies (BOP)") [14](https://www.tdi.texas.gov/pubs/consumer/cb021.html "Commercial property insurance 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](https://www.chubb.com/us-en/business-insurance/property-product.html "Commercial Property Insurance") [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf "General Property Appetite Guide") ### 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](https://www.bhspecialty.com/us-products/us-property/ "Property") [10](https://www.chubb.com/us-en/business-insurance/property-product.html "Commercial Property Insurance") ### 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](https://www.chubb.com/us-en/business-insurance/property-product.html "Commercial Property Insurance") [5](https://www.bhspecialty.com/us-products/us-property/ "Property") ## 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](https://www.chubb.com/us-en/business-insurance/property-product.html "Commercial Property Insurance") - Does BHSI’s February 2026 working-capacity guidance apply to this property schedule? [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf "General Property Appetite Guide") - Which risk-consulting and catastrophe-claim services are included for this account? [10](https://www.chubb.com/us-en/business-insurance/property-product.html "Commercial Property Insurance") ## Berkshire Hathaway Specialty Insurance vs Chubb Commercial Property Compared | 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. [10](https://www.chubb.com/us-en/business-insurance/property-product.html "Commercial Property Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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](https://www.chubb.com/us-en/business-insurance/property-product.html "Commercial Property Insurance") [11](https://www.chubb.com/us-en/business-insurance/chubb-bop.html "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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. [10](https://www.chubb.com/us-en/business-insurance/property-product.html "Commercial Property Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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. [10](https://www.chubb.com/us-en/business-insurance/property-product.html "Commercial Property Insurance") (Evidence: Not found in reviewed sources; scope: 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. [10](https://www.chubb.com/us-en/business-insurance/property-product.html "Commercial Property Insurance") (Evidence: Company-reported; scope: 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. [10](https://www.chubb.com/us-en/business-insurance/property-product.html "Commercial Property Insurance") (Evidence: Company-reported; scope: 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. [10](https://www.chubb.com/us-en/business-insurance/property-product.html "Commercial Property Insurance") (Evidence: Company-reported; scope: 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 - [Berkshire Hathaway Specialty Insurance vs Chubb](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb): 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 Chubb Builders Risk Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/builders-risk) - [Berkshire Hathaway Specialty Insurance vs Chubb Cargo and Transit Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/cargo-transit) - [Berkshire Hathaway Specialty Insurance vs Chubb Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/crime) - [Berkshire Hathaway Specialty Insurance vs Chubb Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/cyber) - [Berkshire Hathaway Specialty Insurance vs Chubb D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/directors-officers) - [Berkshire Hathaway Specialty Insurance vs Chubb Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/employment-practices) - [Berkshire Hathaway Specialty Insurance vs Chubb Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/fiduciary) - [Berkshire Hathaway Specialty Insurance vs Chubb General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/general-liability) - [Berkshire Hathaway Specialty Insurance vs Chubb Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/inland-marine) - [Berkshire Hathaway Specialty Insurance vs Chubb Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/professional-errors-omissions) - [Berkshire Hathaway Specialty Insurance vs Chubb Representations and Warranties Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/representations-warranties) - [Berkshire Hathaway Specialty Insurance vs Chubb Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/surety-bonds) - [Berkshire Hathaway Specialty Insurance vs Chubb Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/technology-errors-omissions) - [Berkshire Hathaway Specialty Insurance vs Chubb Umbrella and Excess Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/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 Chubb Commercial Property Insurance](https://spot.insure/compare/aig-vs-chubb/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 Chubb Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/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 Chubb Commercial Property Insurance](https://spot.insure/compare/aon-vs-chubb/commercial-property) ## Sources for Berkshire Hathaway Specialty Insurance vs Chubb ### 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 Chubb 7. [Insurance for Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Commercial package insurance section naming BOP, Benchmarq and Customarq as package options for small and midsize technology businesses. Accessed 2026-09-23. 8. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). 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. 9. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). 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. 10. [Commercial Property Insurance](https://www.chubb.com/us-en/business-insurance/property-product.html). 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. 11. [Business Owner's Policy (BOP) Insurance](https://www.chubb.com/us-en/business-insurance/chubb-bop.html). Chubb; Chubb BOP Insurance Eligibility: up to $30M revenue, 500+ business classes. Accessed 2026-09-23. ### Sources for the Commercial Property Insurance Guide 12. [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. 13. [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. 14. [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). ## Chubb Review Scores for 2026 Review Score: 6.9 / 10 from 5 rated sources, equally weighted. Chubb earns 5/5 from NerdWallet, which reports fewer-than-expected commercial property and liability complaints. Customer ratings are mixed across products and locations. - NerdWallet: NerdWallet editorial rating 5.0 (5 stars). Chubb identity; US commercial insurance review/satisfaction evidence sought on NerdWallet. Period: updated 2026-05-14. Checked 2026-09-25. [Chubb Business Insurance Review 2026: Top-Rated Company, Customizable BOP](https://www.nerdwallet.com/business/insurance/learn/chubb-small-business-insurance) - Trustpilot: TrustScore 4.2 (5 stars); 3345 reviews. Chubb identity; US commercial insurance review/satisfaction evidence sought on Trustpilot. Checked 2026-09-25. [Chubb (European Region) Reviews](https://www.trustpilot.com/review/www.chubb.com) - Google: Google star rating 2.0 (5 stars); 8 reviews. One Chubb Group local listing at 701 5th Ave, Seattle, Washington; profile-level feedback is not firmwide, not line-specific, and may include personal policies/claims. Checked 2026-09-25. [Chubb Group of Insurance Companies — Google reviews via Birdeye](https://reviews.birdeye.com/chubb-group-of-insurance-companies-149396582765159) - ConsumerAffairs: ConsumerAffairs star rating 1.8 (5 stars); 20 reviews. ConsumerAffairs page for U.S. Chubb auto insurance (personal auto); not commercial-policy feedback. Period: page updated 2026-08-14. Checked 2026-09-25. [Chubb Auto Insurance Reviews](https://www.consumeraffairs.com/insurance/chubb.html) - MoneyGeek: MoneyGeek customer score 4.2 (5 points). MoneyGeek’s U.S. small-business insurance customer-review analysis; publisher describes it as cross-source review analysis and does not isolate one commercial line. Period: 2026 review; MoneyGeek reports over 1,100 reviews, collection period not stated. Checked 2026-09-25. [Chubb Business Insurance Review (2026 Ratings)](https://www.moneygeek.com/insurance/business/chubb-review/) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/chubb/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/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)