Berkshire Hathaway Specialty Insurance vs HUB International: How Do They Compare for Builders Risk Insurance?

BHSI lists its own Builder's Risk Form and primary or excess placements; HUB brokers the policy and pairs it with site-security and leak-detection vendors. ^6,^10,¹¹

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 Builders Risk Insurance page

What Is HUB International?

HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. ^7,^8,⁹

Read the HUB International profile

Read the HUB International Builders Risk Insurance page

What Is Builders Risk Insurance?

Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. ^12,^13,^14,¹⁵

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What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and HUB International Builders Risk Insurance?

Forms and structure versus brokered program

BHSI lists a Builder's Risk Form, follow-form quota-share or excess forms and broker manuscript forms, with primary and excess options ⁶. HUB instead describes a brokered policy that it bundles with a coordinated mitigation program rather than underwriting it itself ¹⁰.

What each asks for up front

BHSI says underwriting may request coverage specifications, a project description, contractor loss experience and a construction schedule ⁶. HUB points prospects to a broker or its construction specialists for a project-specific assessment and describes no online quote flow ¹⁰.

Mitigation services and issuing insurer

HUB names third-party vendors for site security, automated leak detection and fire-resistant coatings, plus a mobile app for carrier requirements ¹¹. The reviewed BHSI page describes policy features such as hot testing, delay and soft costs rather than a vendor program ⁵, and HUB's pages do not name an issuing insurer ¹⁰.

What Should You Confirm in Berkshire Hathaway Specialty Insurance and HUB International Builders Risk Insurance Quotes?

Which carrier would issue the policy in a HUB placement, and does the mitigation program change the terms? ¹⁰
Do you need primary or excess, single-peril or difference-in-conditions structure from BHSI? ⁵
Which project documents (schedule, contractor loss history) must be ready before either side can quote? ⁶

Berkshire Hathaway Specialty Insurance and HUB International 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

HUB International Review Score

5.6/ 10

Review Score

2 rated sources

Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.^[7]^[6]

Read HUB International reviews

Berkshire Hathaway Specialty Insurance vs HUB International Builders Risk Compared

Berkshire Hathaway Specialty Insurance vs HUB International: Builders Risk Insurance: documented features by provider

Criteria	Builder’s Risk	HUB Builder's Risk Insurance Solutions
Role in This Line	BHSI describes primary and excess options for its Builder’s Risk products, along with single-peril and difference-in-conditions choices. ⁵Company-reported. These are marketed placement options, not a commitment to provide any layer or a statement about how a specific project is insured.	HUB brokers builder's risk insurance and bundles it with a coordinated mitigation program rather than underwriting the policy itself. ^10,¹¹Company-reported. Builder's risk product page and 2024 launch press release, as read 2026-09-23; neither names an issuing insurer.
Issuing Insurer	Confirm in your quote.	Neither the product page nor the launch press release names an issuing insurer or carrier partner for this solution. ^10,¹¹Not found in reviewed sources. Checked both pages on 2026-09-23; the press release explicitly states it does not specify carrier partners.
Who It’s For	BHSI separates its EAR and CAR target categories; it says Master Builder’s Risk is considered selectively. ⁵Company-reported. The published target categories guide submission discussions; they do not guarantee eligibility or acceptance.	HUB markets this solution to project owners, general contractors and developers of both frame and non-frame construction projects. ¹¹Company-reported. Launch press release target-market description.
Coverage Features	BHSI describes Builder’s Risk as project property coverage and lists hot testing/commissioning, delay and soft-cost features. ⁵Company-reported. U.S. product-page marketing summary; does not establish that each extension is included in every project policy. The page describes primary and excess placements and single-peril or difference-in-conditions options alongside its all-risk product description. ⁵Company-reported. These are marketed options, not a statement that a particular quote includes them. BHSI lists its Builder’s Risk Form, follow-form quota-share or excess forms, and broker manuscript forms as options. ⁶Company-reported. A form being listed does not establish that it will be used for a project or what its final terms contain.	HUB describes builder's risk coverage for property used in construction, installation and renovation projects, protecting against theft, fire and water damage during the build. ¹⁰Company-reported. Product-page coverage description; the issued policy and its exclusions control an actual claim.
Risk Services	Confirm in your quote.	HUB says it pairs the policy with third-party vendors for site security, automated leak detection and fire-resistant coatings, plus a mobile app that shows carrier underwriting requirements, run by its construction insurance specialists. ^10,¹¹Company-reported. Product-page and press-release service description; a company-reported program, not an independently assessed outcome.
How to Apply	BHSI says underwriting may request coverage specifications, a project description, contractor loss experience and a construction schedule, among other project details. ⁶Company-reported. The guide gives examples rather than a universal or complete checklist; requirements depend on the submission.	HUB directs prospects to connect with a broker or its construction insurance specialists for a project-specific assessment; no online quote flow is described. ¹⁰Company-reported. Product-page call to action as read 2026-09-23.

Related Pages for Berkshire Hathaway Specialty Insurance vs HUB International

Builders Risk Pages for Berkshire Hathaway Specialty Insurance and HUB International

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Sources for Berkshire Hathaway Specialty Insurance vs HUB International

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.
Builder’s Risk. Berkshire Hathaway Specialty Insurance; Retained canonical source record locator: current U.S. product page, lines 6–35: all-risk project coverage, hot testing/commissioning, delay/startup/soft costs, single-peril/DIC primary/excess, EAR/CAR target categories and selectively considered Master Builder’s Risk. Prior actual access 2026-09-28; direct re-open failed in this session. Accessed 2026-09-28.
Builder’s Risk Appetite Guide. Berkshire Hathaway Specialty Insurance; U.S. guide pp. 1–2: marketed coverage/participation and targeted classes, lines 0–35; listed BHSI, follow-form and broker-manuscript policy forms, plus example submission information, lines 39–53; dated 2026-01-30 A; all coverage remains subject to the actual policy, lines 63–65. Accessed 2026-09-30.

Sources About HUB International

About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
Builder's Risk Insurance Broker & Coverage Policy. HUB International; Coverage description for construction, installation and renovation projects; site security, water protection and fire resistance mitigation components; proprietary mobile app; frame and non-frame construction; Connect With a Broker. Accessed 2026-09-23.
HUB International Launches Builder's Risk Insurance Solutions. HUB International; February 22, 2024 announcement naming project owners, general contractors and developers of frame and non-frame projects as the target market; third-party mitigation vendor coordination. Accessed 2026-09-23.

Sources for the Builders Risk Insurance Guide

Glossary of Insurance Terms. National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16.
Commercial Insurance Guide. California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
Builders Risk Coverage Form. Insurance Services Office, Inc.; hosted by Touchpoint Markets; A.1–3 p.1; B.3.c p.11; C,D,E p.12. Accessed 2026-09-16.
Builders Risk Application Tip Sheet. US Assure; General policy application tips p.1; Remodeling tips p.2. Accessed 2026-09-16.