Berkshire Hathaway Specialty Insurance vs HUB International: How Do They Compare for Commercial Property Insurance?

HUB describes property coverage for buildings, contents, interruption and equipment breakdown, with traditional, layered, parametric, captive and reinsurance structures. Berkshire Hathaway Specialty Insurance lists all-risk and selected-peril property and publishes a separate working-capacity guide. ^5,^6,¹⁰

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 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 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. ^11,^12,¹³

Read the full coverage guide

What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and HUB International Commercial Property Insurance?

Program structures

HUB describes traditional single-carrier, layered, parametric, captive and reinsurance structures and discusses insurance-to-value. BHSI’s February 2026 U.S. guide states $100 million working-layer capacity and a $100,000 minimum premium for BHSI’s share. Ask HUB to show each carrier, trigger and layer, and compare the proposed BHSI share and attachment; capacity guidance is not a policy limit. ¹⁰ ⁶

Property components and perils

HUB lists building structure, business personal property, business interruption, contingent interruption, equipment breakdown and catastrophe perils, with named-storm availability varying. BHSI lists all-risk and selected earthquake, flood and windstorm products. Compare the actual form by location, including interruption values and any catastrophe sublimits. ¹⁰ ⁵

Valuation work

HUB explains insurance-to-value and says it helps clients avoid coinsurance penalties or reduced claim payments. BHSI’s cited property claims identify products and target sectors but do not specify valuation advisory work. Ask HUB what valuation analysis it will perform and BHSI what values its underwriter needs for the submission. ¹⁰ ⁵

What Should You Confirm in Berkshire Hathaway Specialty Insurance and HUB International Commercial Property Insurance Quotes?

Which HUB structure, carrier shares, named-storm terms and interruption values are proposed? ¹⁰
What BHSI share, attachment and selected-peril terms are offered for the schedule? ⁶
What location values and coinsurance provisions govern each form? ¹⁰

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 Commercial Property Compared

Berkshire Hathaway Specialty Insurance vs HUB International: Commercial Property Insurance: documented features by provider

Criteria	Commercial property all-risk and selected single-peril/catastrophe offerings	HUB International Commercial Property Insurance Brokerage
Role in This Line	Confirm in your quote.	HUB brokers commercial property insurance and structures placement programs for clients rather than underwriting the coverage itself. ¹⁰Company-reported. Commercial property product page as read 2026-09-23; the page does not name an issuing insurer.
Issuing Insurer	Confirm in your quote.	The commercial property page does not name an issuing insurer; HUB places property business with carriers that vary by client and program structure. ¹⁰Not found in reviewed sources. Checked the commercial property product page on 2026-09-23; no carrier is disclosed there.
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.	HUB says commercial property coverage availability spans agribusiness, construction, education, energy, financial institutions, healthcare, hospitality, manufacturing, real estate and technology sectors. ¹⁰Company-reported. Product-page industries-served list; not a published underwriting appetite by property type or region.
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.	HUB lists coverage components including building structure protection, business personal property (equipment, furniture and inventory), business interruption and contingent business interruption, equipment breakdown, and natural catastrophe perils such as wind, hail and fire, noting that named-storm availability varies. ¹⁰Company-reported. Product-page coverage list; the issued policy and its exclusions control an actual claim.
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.	Confirm in your quote.
Risk Services	Confirm in your quote.	HUB says it can structure commercial property programs as traditional single-carrier placements, layered programs, parametric insurance that pays on a predefined trigger such as a wind-speed threshold, or captive and reinsurance solutions, and explains insurance-to-value to help clients avoid coinsurance penalties or reduced claim payouts. ¹⁰Company-reported. Product-page program-structure and advisory description; a company-reported service capability.
How to Apply	Confirm in your quote.	HUB directs prospects to connect with a broker or specialist advisor through its contact portal; no online quote flow is described on the page. ¹⁰Company-reported. Product-page call to action as read 2026-09-23.

Related Pages for Berkshire Hathaway Specialty Insurance vs HUB International

Commercial Property 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.
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 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.
Commercial (Business) Property Insurance Brokers. HUB International; Coverage components: building structure, business personal property, business interruption, contingent business interruption, equipment breakdown, natural catastrophe perils; program structures: traditional, layered, parametric, captive, reinsurance; insurance-to-value explanation; industries served list; Connect With a Broker. 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.