---
title: "Berkshire Hathaway Specialty Insurance vs HUB International: Builders Risk Insurance"
description: "BHSI describes builder's risk forms and placement structures, while HUB describes a brokered program bundled with mitigation vendors."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/builders-risk"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-hub-international"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "hub-international"
coverage-line: "builders-risk"
---

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[Human-readable page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/builders-risk)

## Agent Guide

**What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and HUB International for Builders Risk 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 Builders Risk Insurance questions about Berkshire Hathaway Specialty Insurance versus HUB International. 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 HUB International for Builders Risk Insurance: how do they differ?
- Which is better for Builders Risk Insurance, Berkshire Hathaway Specialty Insurance or HUB International?
- What does Berkshire Hathaway Specialty Insurance or HUB International publish about Builders Risk Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Builders Risk Insurance from Berkshire Hathaway Specialty Insurance or HUB International?

**Key facts:**
- Line: Builders Risk Insurance. Providers: Berkshire Hathaway Specialty Insurance and HUB International.
- 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 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Berkshire Hathaway Specialty Insurance vs HUB International](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international) — parent: all coverage lines for this pair
- [Builders Risk Insurance guide](https://spot.insure/coverage/builders-risk) — coverage explainer for this line
- [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) — provider profile (evidence)
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile (evidence)
- [Berkshire Hathaway Specialty Insurance vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/crime) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/cyber) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/general-liability) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Product Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/product-liability) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/representations-warranties) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/umbrella-excess) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/builders-risk) — sibling comparison (other line, or other pair for this line)
- [AIG vs HUB International Builders Risk Insurance](https://spot.insure/compare/aig-vs-hub-international/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs HUB International Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Aon vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Aon vs HUB International Builders Risk Insurance](https://spot.insure/compare/aon-vs-hub-international/builders-risk) — sibling comparison (other line, or other pair for this line)

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

BHSI describes builder's risk forms and placement structures, while HUB describes a brokered program bundled with mitigation vendors.

## How to Use the Berkshire Hathaway Specialty Insurance vs HUB International Builders Risk Insurance Comparison

Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and HUB International for Builders Risk 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 HUB International Builders Risk Insurance Summary

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](https://www.bhspecialty.com/wp-content/uploads/marketing/Builders-Risk-Appetite-Guide-US.pdf "Builder’s Risk Appetite Guide") [10](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [11](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions")

## 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 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](https://www.hubinternational.com/about-us/ "About Us") [8](https://www.hubinternational.com/contact-us/ "Contact Us") [9](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## 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](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [13](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [14](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf "Builders Risk Coverage Form") [15](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf "Builders Risk Application Tip Sheet")

## 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](https://www.bhspecialty.com/wp-content/uploads/marketing/Builders-Risk-Appetite-Guide-US.pdf "Builder’s Risk Appetite Guide"). HUB instead describes a brokered policy that it bundles with a coordinated mitigation program rather than underwriting it itself [10](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy").

### What each asks for up front

BHSI says underwriting may request coverage specifications, a project description, contractor loss experience and a construction schedule [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Builders-Risk-Appetite-Guide-US.pdf "Builder’s Risk Appetite Guide"). HUB points prospects to a broker or its construction specialists for a project-specific assessment and describes no online quote flow [10](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy").

### 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](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions"). The reviewed BHSI page describes policy features such as hot testing, delay and soft costs rather than a vendor program [5](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk"), and HUB's pages do not name an issuing insurer [10](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy").

## 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](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy")
- Do you need primary or excess, single-peril or difference-in-conditions structure from BHSI? [5](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk")
- Which project documents (schedule, contractor loss history) must be ready before either side can quote? [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Builders-Risk-Appetite-Guide-US.pdf "Builder’s Risk Appetite Guide")

## Berkshire Hathaway Specialty Insurance vs HUB International Builders Risk Compared

| 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. [5](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [11](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [11](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") (Evidence: Not found in reviewed sources; scope: 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. [5](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk") (Evidence: Company-reported; scope: 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. [11](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") (Evidence: Company-reported; scope: 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. [5](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk") (Evidence: Company-reported; scope: U.S. product-page marketing summary; does not establish that each extension is included in every project policy..)<br><br>The page describes primary and excess placements and single-peril or difference-in-conditions options alongside its all-risk product description. [5](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk") (Evidence: Company-reported; scope: These are marketed options, not a statement that a particular quote includes them..)<br><br>BHSI lists its Builder’s Risk Form, follow-form quota-share or excess forms, and broker manuscript forms as options. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Builders-Risk-Appetite-Guide-US.pdf "Builder’s Risk Appetite Guide") (Evidence: Company-reported; scope: 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. [10](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") (Evidence: Company-reported; scope: 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](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") [11](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-risk-insurance-solutions/ "HUB International Launches Builder's Risk Insurance Solutions") (Evidence: Company-reported; scope: 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. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Builders-Risk-Appetite-Guide-US.pdf "Builder’s Risk Appetite Guide") (Evidence: Company-reported; scope: 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. [10](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/ "Builder's Risk Insurance Broker & Coverage Policy") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23..) |

## Related Pages for Berkshire Hathaway Specialty Insurance vs HUB International

- [Berkshire Hathaway Specialty Insurance vs HUB International](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Builders Risk Insurance?](https://spot.insure/coverage/builders-risk): Builders risk insures a building and its materials against physical loss while it is under construction, but stored or in-transit materials, the existing structure in a renovation, and early occupancy can fall outside it.
- [Berkshire Hathaway Specialty Insurance vs HUB International Cargo and Transit Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/cargo-transit)
- [Berkshire Hathaway Specialty Insurance vs HUB International Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/commercial-property)
- [Berkshire Hathaway Specialty Insurance vs HUB International Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/crime)
- [Berkshire Hathaway Specialty Insurance vs HUB International Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/cyber)
- [Berkshire Hathaway Specialty Insurance vs HUB International D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/directors-officers)
- [Berkshire Hathaway Specialty Insurance vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/employment-practices)
- [Berkshire Hathaway Specialty Insurance vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/fiduciary)
- [Berkshire Hathaway Specialty Insurance vs HUB International General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/general-liability)
- [Berkshire Hathaway Specialty Insurance vs HUB International Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/inland-marine)
- [Berkshire Hathaway Specialty Insurance vs HUB International Product Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/product-liability)
- [Berkshire Hathaway Specialty Insurance vs HUB International Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/professional-errors-omissions)
- [Berkshire Hathaway Specialty Insurance vs HUB International Representations and Warranties Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/representations-warranties)
- [Berkshire Hathaway Specialty Insurance vs HUB International Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/surety-bonds)
- [Berkshire Hathaway Specialty Insurance vs HUB International Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/technology-errors-omissions)
- [Berkshire Hathaway Specialty Insurance vs HUB International Umbrella and Excess Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/umbrella-excess)
- [AIG vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/builders-risk)
- [AIG vs HUB International Builders Risk Insurance](https://spot.insure/compare/aig-vs-hub-international/builders-risk)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/builders-risk)
- [Alliance Risk vs HUB International Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/builders-risk)
- [Aon vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/builders-risk)
- [Aon vs HUB International Builders Risk Insurance](https://spot.insure/compare/aon-vs-hub-international/builders-risk)

## Sources for Berkshire Hathaway Specialty Insurance vs HUB International

### 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. [Builder’s Risk](https://www.bhspecialty.com/us-products/us-builders-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.
6. [Builder’s Risk Appetite Guide](https://www.bhspecialty.com/wp-content/uploads/marketing/Builders-Risk-Appetite-Guide-US.pdf). 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

7. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
8. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
9. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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.
10. [Builder's Risk Insurance Broker & Coverage Policy](https://www.hubinternational.com/industries/construction-insurance/builders-risk-insurance/). 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.
11. [HUB International Launches Builder's Risk Insurance Solutions](https://www.hubinternational.com/media-center/press-releases/2024/02/hub-international-launches-builders-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

12. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16.
13. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
14. [Builders Risk Coverage Form](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf). 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.
15. [Builders Risk Application Tip Sheet](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf). US Assure; General policy application tips p.1; Remodeling tips p.2. Accessed 2026-09-16.

Updated 2026-09-30. 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).

## HUB International Review Scores for 2026

Review Score: 5.6 / 10 from 2 rated sources, equally weighted.

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-.

- BBB: BBB business grade A- (BBB letter grade). BBB profile for HUB International, Chicago headquarters and its corporate-owned locations (United States). HUB is a global broker; BBB coverage is US/Canada and split by office profile. Period: current page, accessed 2026-09-29; 3 complaints closed in last 3 years. Checked 2026-09-29. [HUB International | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202)
- BBB customer reviews: BBB customer reviews 1 (out of 5); 7 reviews. Customer reviews left on the same BBB headquarters profile (HQ and corporate-owned US locations). Small sample. Checked 2026-09-29. [HUB International | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202/customer-reviews)
- BBB Canada West: BBB business grade A- (BBB letter grade). BBB profile for HUB International Canada West ULC, Burnaby BC. Covers one Canadian regional entity only, not the whole group. Period: current page; 13 complaints closed in last 3 years; 3 customer reviews. Checked 2026-09-29. [HUB International Canada West ULC | BBB Reviews](https://www.bbb.org/ca/bc/burnaby/profile/insurance-services-office/hub-international-insurance-brokers-hub-coastal-0037-120326/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/hub-international/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-hub-international/builders-risk.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)