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

Heffernan arranges commercial property and describes claims, loss-control and risk-management services at the business-program level. Berkshire Hathaway Specialty Insurance lists all-risk and selected-peril property; its 2026 guide separately states working capacity for its share. ^5,^6,⁹

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 Heffernan Insurance Brokers?

Heffernan’s technology practice targets mid- and late-stage, venture-funded and pre-IPO companies; early-stage firms seeking a direct online quote should compare digital providers. It also offers claims consulting and workers’ compensation support. ^7,^8,⁹

Read the Heffernan Insurance Brokers profile

Read the Heffernan Insurance Brokers 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. ^10,^11,¹²

Read the full coverage guide

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

Broker and insurer roles

Heffernan lists commercial property among business coverages arranged with carriers. BHSI describes its own property product and publishes a working-layer appetite figure. Ask Heffernan to name the proposed issuing insurer and each share, then compare the actual carrier tower with BHSI’s quote. ⁹ ⁶

Program services

Heffernan says clients arranging its business coverages may access claims, loss-control, HR consulting and risk-management services, described for the overall business insurance program rather than guaranteed for each property placement. BHSI’s selected property claims describe products and target sectors. Ask which Heffernan services apply to this property engagement and what BHSI can provide for this account. ⁹ ⁵

Perils and capacity

BHSI lists all-risk and selected flood, earthquake and windstorm offerings; the February 2026 guide states $100 million working-layer capacity for its share. Heffernan’s property brokerage page identifies the line but does not itself quote policy perils or limits. Request Heffernan’s carrier form and BHSI’s submitted terms to compare catastrophe cover and attachment. ⁵ ⁶ ⁹

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

Which carrier, perils, limits and catastrophe endorsements will Heffernan arrange? ⁹
Does BHSI’s share minimum and working-layer guidance fit this account’s submitted values? ⁶
Which Heffernan program-level services will actually apply to this property placement? ⁹

Berkshire Hathaway Specialty Insurance and Heffernan Insurance Brokers 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

Heffernan Insurance Brokers Review Score

5.2/ 10

Review Score

1 rated source

Heffernan’s available review sample is small and local, with a low Google rating for one office. Check the team that would actually serve your business.^[6]^[7]^[8]

Read Heffernan Insurance Brokers reviews

Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Commercial Property Compared

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

Criteria	Commercial property all-risk and selected single-peril/catastrophe offerings	Heffernan Commercial Property Insurance Brokerage
Role in This Line	Confirm in your quote.	Heffernan lists commercial property insurance among the basic business-insurance coverages it arranges, alongside general liability, commercial auto and workers' compensation. As a broker, it places this coverage with insurance carriers rather than underwriting it itself. ⁹Company-reported. Business Insurance page's basic-coverages list.
Issuing Insurer	Confirm in your quote.	No insurer is named for commercial property on the reviewed page; the issuing carrier would appear on the quote and declarations. ⁹Not publicly disclosed. Checked the Business Insurance page on 2026-09-23.
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.	Confirm in your quote.
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.	The business insurance page lists commercial property as one of the basic coverages Heffernan can provide, without describing specific insuring agreements, limits or exclusions for the line. ⁹Company-reported. Business Insurance page's basic-coverages list, a single-line mention.
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 business insurance page does not publish limits, deductibles or premium ranges for commercial property coverage. ⁹Not publicly disclosed. Checked the Business Insurance page on 2026-09-23.
Risk Services	Confirm in your quote.	Heffernan says clients arranging its business insurance coverages, including commercial property, get access to its claims services, loss control, HR consulting, and risk management and assessment services. For buyers focused on total cost of risk, it also describes loss-sensitive and alternative risk arrangements such as self-insurance, large deductibles and captive insurance. ⁹Company-reported. Business Insurance page's services and alternative-risk paragraphs, described at the whole business-insurance-program level rather than specific to commercial property.
How to Apply	Confirm in your quote.	The page's call to action directs buyers to contact Heffernan Insurance Brokers directly to find out what it can do for their business, including commercial property. No separate online quoting flow specific to commercial property is described. ⁹Company-reported. Business Insurance page contact call to action.

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Sources for Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers

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 Heffernan Insurance Brokers

Our Story. Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16.
Technology Company Insurance. Heffernan Insurance Brokers; Pre-IPO and venture-funded heading; mid to late stage specialization; global expansion copy; self-insurance strategies; Key Markets list; Why Heffernan broker history; Joseph Talmadge practice leader; FAQ. Accessed 2026-09-16.
Heffernan Business Insurance Brokerage. Heffernan Insurance Brokers; Forward-Thinking Business Insurance for 21st Century Exposures: basic coverages including general liability, commercial property, commercial auto, workers' compensation and global/foreign exposures; claims services, loss control, HR consulting and risk management and assessment services; loss-sensitive and alternative risk arrangements including captives. 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.