--- title: "Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers: Commercial Property Insurance" description: "Heffernan describes property brokerage and whole-program claims and risk services; Berkshire Hathaway Specialty Insurance lists selected-peril property and share-specific capacity guidance." canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/commercial-property" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "berkshire-hathaway-specialty-insurance-vs-heffernan" provider-a: "berkshire-hathaway-specialty-insurance" provider-b: "heffernan" 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-heffernan/commercial-property) ## Agent Guide **What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and Heffernan Insurance Brokers 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 Heffernan Insurance Brokers. 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 Heffernan Insurance Brokers for Commercial Property Insurance: how do they differ? - Which is better for Commercial Property Insurance, Berkshire Hathaway Specialty Insurance or Heffernan Insurance Brokers? - What does Berkshire Hathaway Specialty Insurance or Heffernan Insurance Brokers 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 Heffernan Insurance Brokers? **Key facts:** - Line: Commercial Property Insurance. Providers: Berkshire Hathaway Specialty Insurance and Heffernan Insurance Brokers. - 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 Heffernan Insurance Brokers](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan) — 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) - [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile (evidence) - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/builders-risk) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Cargo and Transit Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/cargo-transit) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/crime) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/cyber) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/employment-practices) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/fiduciary) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/general-liability) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Representations and Warranties Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/representations-warranties) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/surety-bonds) — 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 Heffernan Insurance Brokers Commercial Property Insurance](https://spot.insure/compare/aig-vs-heffernan/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 Heffernan Insurance Brokers Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/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 Heffernan Insurance Brokers Commercial Property Insurance](https://spot.insure/compare/aon-vs-heffernan/commercial-property) — sibling comparison (other line, or other pair for this line) # Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers: How Do They Compare for Commercial Property Insurance? Heffernan describes property brokerage and whole-program claims and risk services; Berkshire Hathaway Specialty Insurance lists selected-peril property and share-specific capacity guidance. ## How to Use the Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Commercial Property Insurance Comparison Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Heffernan Insurance Brokers 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 Heffernan Insurance Brokers Commercial Property Insurance Summary 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](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") [9](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") ## 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 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](https://www.heffins.com/about-us/our-story/ "Our Story") [8](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [9](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) ## 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](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop "Business Interruption Insurance/Businessowner’s Policies (BOP)") [12](https://www.tdi.texas.gov/pubs/consumer/cb021.html "Commercial property insurance 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](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf "General Property Appetite Guide") ### 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](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [5](https://www.bhspecialty.com/us-products/us-property/ "Property") ### 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](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") [9](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") ## 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](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") - Does BHSI’s share minimum and working-layer guidance fit this account’s submitted values? [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf "General Property Appetite Guide") - Which Heffernan program-level services will actually apply to this property placement? [9](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") ## Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Commercial Property Compared | 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. [9](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Company-reported; scope: 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. [9](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Not publicly disclosed; scope: 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. [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..) | Confirm in your quote. | | 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..) | 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. [9](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Company-reported; scope: 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. [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 business insurance page does not publish limits, deductibles or premium ranges for commercial property coverage. [9](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Not publicly disclosed; scope: 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. [9](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Company-reported; scope: 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. [9](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") (Evidence: Company-reported; scope: Business Insurance page contact call to action..) | ## Related Pages for Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan): 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 Heffernan Insurance Brokers Builders Risk Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/builders-risk) - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Cargo and Transit Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/cargo-transit) - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/crime) - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/cyber) - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/employment-practices) - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/fiduciary) - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/general-liability) - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/professional-errors-omissions) - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Representations and Warranties Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/representations-warranties) - [Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/surety-bonds) - [AIG vs Berkshire Hathaway Specialty Insurance Commercial Property Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/commercial-property) - [AIG vs Heffernan Insurance Brokers Commercial Property Insurance](https://spot.insure/compare/aig-vs-heffernan/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 Heffernan Insurance Brokers Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/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 Heffernan Insurance Brokers Commercial Property Insurance](https://spot.insure/compare/aon-vs-heffernan/commercial-property) ## Sources for Berkshire Hathaway Specialty Insurance vs Heffernan Insurance Brokers ### 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 Heffernan Insurance Brokers 7. [Our Story](https://www.heffins.com/about-us/our-story/). Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16. 8. [Technology Company Insurance](https://www.heffins.com/business-insurance/technology/). 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. 9. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). 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 10. [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. 11. [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. 12. [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). ## Heffernan Insurance Brokers Review Scores for 2026 Review Score: 5.2 / 10 from 1 rated source, equally weighted. 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. - Google reviews (aggregated by Birdeye): Google local listing rating (displayed by Birdeye) 2.6 (5 stars); 5 reviews. Portland office listing at 5100 S Macadam Avenue, matching the official Heffernan locations directory; Birdeye identifies the original review platform as Google. Checked 2026-09-25. [Heffernan Insurance Brokers - Portland reviews](https://reviews.birdeye.com/heffernan-insurance-brokers-144140015138058) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/heffernan/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-heffernan/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)