Berkshire Hathaway Specialty Insurance vs 
Embroker: How Do They Compare for Commercial Property Insurance?
Embroker says property policies can use all-perils or named-perils wording; BHSI lists all-risk and selected single-peril offerings, with availability subject to state, risk and capacity. Embroker also describes ACV or replacement-cost valuation, but the selected BHSI claims do not provide a matching valuation basis, so the candidate remains on evidence hold. 5,10
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 Embroker?
Embroker suits technology firms seeking a single application for management coverage plus eligible Tech E&O and cyber, and law firms seeking a grouped package; buyers needing only standard small-business coverage should compare direct carriers. 7,8,9
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. 11,12,13
What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Embroker Commercial Property Insurance?
Peril wording
Embroker says its policies can use all-perils or named-perils wording. BHSI lists all-risk commercial property and selected single-peril offerings such as earthquake, flood and windstorm; selected-peril availability depends on peril, state, risk and capacity. Compare the proposed base wording and any separately offered catastrophe cover for the same properties. 10 5
Evidence hold: valuation basis
Embroker describes actual-cash-value and replacement-cost valuation choices. The selected BHSI claims describe peril offerings, target sectors and working capacity, not a valuation basis. That evidence does not support a paired valuation comparison, and the peril distinction above is only one matched dimension. Keep this candidate on hold until a published BHSI claim addresses loss valuation or another directly comparable criterion. 10 5
What Should You Confirm in Berkshire Hathaway Specialty Insurance and Embroker Commercial Property Insurance Quotes?
- Which perils, forms and catastrophe endorsements does Embroker propose? 10
- What valuation clause and replacement-cost terms appear in the proposed forms? 5
Evidence status: HOLD — the current claims support one matched dimension, not two.
Berkshire Hathaway Specialty Insurance and Embroker 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
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 reviewsEmbroker Review Score
Review Score
3 rated sources
Embroker’s reviews are mixed, and BBB records a complaint-response concern. The feedback is too limited to establish consistent service quality.[4][6][7]
Read Embroker reviewsBerkshire Hathaway Specialty Insurance vs Embroker Commercial Property Compared
Berkshire Hathaway Specialty Insurance vs Embroker: Commercial Property Insurance: documented features by provider
| Criteria | Commercial property all-risk and selected single-peril/catastrophe offerings | Embroker Commercial Property Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | Embroker sells commercial property as a standalone policy and says it is also the core property component of its Business Owners Policy, with a standalone policy offering higher limits and broader coverage than the BOP version. 10Company-reported. Product-page description; not a statement about the issuing insurer. |
| 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. | Embroker markets the policy to any business that leases or owns office space, manufactures products, manages inventory, leases equipment, or maintains the property of others. 10Company-reported. Product-page 'Who Is It For?' section; not a guarantee of coverage for a particular business. |
| 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. | Embroker lists coverage for the insured premises, equipment and tools, inventory, furniture, business property used off-site, and lost income after property damage. Policies can be written on an all-perils or named-perils basis. 10Company-reported. Product-page coverage and 'What's Not Covered' sections; the issued policy and declarations control. Embroker offers a choice between Actual Cash Value (depreciated market value) and Replacement Cost valuation for a property loss, noting replacement-cost policies cost more since they don't account for depreciation. 10Company-reported. Product-page 'Actual Cash Value vs Replacement Cost' section. |
| 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. | Embroker says most commercial property policies have a deductible that can vary by the peril that caused the claim (for example, a different deductible for fire versus earthquake damage); it does not publish standard limit amounts. 10Company-reported. Product-page 'Does Commercial Property Insurance Have A Deductible?' section. |
| How to Apply | Confirm in your quote. | Embroker says it does not require equity ownership or financial statements to quote commercial property coverage, and lets buyers choose their own limit and deductible when signing up on its platform. 10Company-reported. Product-page 'Why Get It With Embroker?' section; no quote was requested during this research. |
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Sources for Berkshire Hathaway Specialty Insurance vs Embroker
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 Embroker
- Embroker. Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
- Terms And Conditions. Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
- Embroker Access. Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
- Commercial Property Insurance: Coverage & Quotes. Embroker; What Is Commercial Property Insurance?; Who Is It For?; What Does Commercial Property Insurance Cover?; Are BOP and Commercial Property Insurance Related?; What's The Difference Between Replacement Cost And Actual Cash Value; Does Commercial Property Insurance Have A Deductible?; Why Get It With Embroker? 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.
