---
title: "Berkshire Hathaway Specialty Insurance vs Insureon: Commercial Property Insurance"
description: "Evidence hold: Insureon’s broad small-business scope and property examples do not establish two matched dimensions with BHSI’s published claims."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-insureon/commercial-property"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-insureon"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "insureon"
coverage-line: "commercial-property"
---

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[Human-readable page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-insureon/commercial-property)

## Agent Guide

**What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and Insureon 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 Insureon. 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 Insureon for Commercial Property Insurance: how do they differ?
- Which is better for Commercial Property Insurance, Berkshire Hathaway Specialty Insurance or Insureon?
- What does Berkshire Hathaway Specialty Insurance or Insureon 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 Insureon?

**Key facts:**
- Line: Commercial Property Insurance. Providers: Berkshire Hathaway Specialty Insurance and Insureon.
- 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 Insureon](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-insureon) — 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)
- [Insureon profile](https://spot.insure/insurance-providers/insureon) — provider profile (evidence)
- [Berkshire Hathaway Specialty Insurance vs Insureon Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-insureon/cyber) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Insureon General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-insureon/general-liability) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Insureon Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-insureon/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Insureon Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-insureon/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Insureon Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-insureon/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Insureon Umbrella and Excess Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-insureon/umbrella-excess) — 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 Insureon Commercial Property Insurance](https://spot.insure/compare/aig-vs-insureon/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 Insureon Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-insureon/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 Insureon Commercial Property Insurance](https://spot.insure/compare/aon-vs-insureon/commercial-property) — sibling comparison (other line, or other pair for this line)

# Berkshire Hathaway Specialty Insurance vs Insureon: How Do They Compare for Commercial Property Insurance?

Evidence hold: Insureon’s broad small-business scope and property examples do not establish two matched dimensions with BHSI’s published claims.

## How to Use the Berkshire Hathaway Specialty Insurance vs Insureon Commercial Property Insurance Comparison

Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Insureon 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 Insureon Commercial Property Insurance Summary

Insureon describes commercial property for small businesses and gives property and damage examples; BHSI lists all-risk and selected-peril offerings, subject to state, risk and capacity. The current claims do not establish a second matched dimension, so this candidate remains on hold. [5](https://www.bhspecialty.com/us-products/us-property/ "Property") [9](https://www.insureon.com/small-business-insurance/commercial-property "Commercial Property Insurance - Get Online Quotes")

## 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 Insureon?

Insureon describes a small-business insurance agency and broker route with online quote entry and agent support. Its pages market several coverage types, but do not establish which insurer, policy form, state availability, or eligibility applies to a particular buyer. [7](https://www.insureon.com/about-us/how-insureon-works "How Insureon Works") [8](https://www.insureon.com/small-business-insurance/general-liability "General Liability Insurance - Get Online Quotes")

[Insureon profile](https://spot.insure/insurance-providers/insureon)

## 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 Insureon Commercial Property Insurance?

### Evidence hold: coverage detail

Insureon’s selected claim describes business property and examples of covered property and damage events, but does not specify a comparable property schedule or complete issued-form terms. BHSI lists all-risk and selected single-peril property, with availability subject to state, risk and capacity. The published descriptions support only a broad coverage question, not a detailed two-sided comparison. [9](https://www.insureon.com/small-business-insurance/commercial-property "Commercial Property Insurance - Get Online Quotes") [5](https://www.bhspecialty.com/us-products/us-property/ "Property")

### Evidence hold: business-size criterion

Insureon’s page is directed to small businesses with property exposures. BHSI’s selected eligibility claim lists property sectors rather than a comparable small-business size or revenue band. Size and industry are different eligibility criteria; do not use the sector list as a substitute for a size threshold. [9](https://www.insureon.com/small-business-insurance/commercial-property "Commercial Property Insurance - Get Online Quotes") [5](https://www.bhspecialty.com/us-products/us-property/ "Property")

## What Should You Confirm in Berkshire Hathaway Specialty Insurance and Insureon Commercial Property Insurance Quotes?

- Which property items, damage causes and terms are in Insureon’s proposed form? [9](https://www.insureon.com/small-business-insurance/commercial-property "Commercial Property Insurance - Get Online Quotes")
- What BHSI evidence describes buyer-size criteria comparable to Insureon’s small-business scope? [5](https://www.bhspecialty.com/us-products/us-property/ "Property")

Evidence status: HOLD — the current claims do not support two matched dimensions.

## Berkshire Hathaway Specialty Insurance vs Insureon Commercial Property Compared

| Criteria | Commercial property all-risk and selected single-peril/catastrophe offerings | Insureon Commercial Property Insurance |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | Insureon markets Commercial Property insurance through a small-business quote flow. [9](https://www.insureon.com/small-business-insurance/commercial-property "Commercial Property Insurance - Get Online Quotes") (Evidence: Company-reported; scope: Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| 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..) | The product page is directed to small businesses with property exposures; it does not establish eligibility for any individual location or property. [9](https://www.insureon.com/small-business-insurance/commercial-property "Commercial Property Insurance - Get Online Quotes") (Evidence: Company-reported; scope: Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| 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 page describes protection for business property and gives examples of covered property and damage events; those examples are not a policy form. [9](https://www.insureon.com/small-business-insurance/commercial-property "Commercial Property Insurance - Get Online Quotes") (Evidence: Company-reported; scope: Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |
| 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 cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. [9](https://www.insureon.com/small-business-insurance/commercial-property "Commercial Property Insurance - Get Online Quotes") (Evidence: Not publicly disclosed; scope: Ask for the quote and specimen or issued policy forms before treating a listed feature as covered..) |
| How to Apply | Confirm in your quote. | The cited Insureon product page provides an online quote request path; that route does not identify the insurer or guarantee that a quote will be offered or bound. [9](https://www.insureon.com/small-business-insurance/commercial-property "Commercial Property Insurance - Get Online Quotes") (Evidence: Company-reported; scope: Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents..) |

## Related Pages for Berkshire Hathaway Specialty Insurance vs Insureon

- [Berkshire Hathaway Specialty Insurance vs Insureon](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-insureon): 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 Insureon Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-insureon/cyber)
- [Berkshire Hathaway Specialty Insurance vs Insureon General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-insureon/general-liability)
- [Berkshire Hathaway Specialty Insurance vs Insureon Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-insureon/inland-marine)
- [Berkshire Hathaway Specialty Insurance vs Insureon Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-insureon/professional-errors-omissions)
- [Berkshire Hathaway Specialty Insurance vs Insureon Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-insureon/surety-bonds)
- [Berkshire Hathaway Specialty Insurance vs Insureon Umbrella and Excess Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-insureon/umbrella-excess)
- [AIG vs Berkshire Hathaway Specialty Insurance Commercial Property Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/commercial-property)
- [AIG vs Insureon Commercial Property Insurance](https://spot.insure/compare/aig-vs-insureon/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 Insureon Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-insureon/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 Insureon Commercial Property Insurance](https://spot.insure/compare/aon-vs-insureon/commercial-property)

## Sources for Berkshire Hathaway Specialty Insurance vs Insureon

### 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 Insureon

7. [How Insureon Works](https://www.insureon.com/about-us/how-insureon-works). Insureon; Agent/broker and carrier roles (L82-88); application and advertised quote/payment route (L89-97); human support (L98-101). Accessed 2026-09-28.
8. [General Liability Insurance - Get Online Quotes](https://www.insureon.com/small-business-insurance/general-liability). Insureon; Coverage/product overview; illustrative third-party claims; quote CTA.. Accessed 2026-09-29.
9. [Commercial Property Insurance - Get Online Quotes](https://www.insureon.com/small-business-insurance/commercial-property). Insureon; Product definition L67-L89; covered property examples; quote CTA.. Accessed 2026-09-29.

### 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).

## Insureon Review Scores for 2026

Review Score: 5.8 / 10 from 4 rated sources, equally weighted.

Insureon's ratings are split. Trustpilot shows 4.5 out of 5 from 2,401 reviews, while ConsumerAffairs shows 1.0 from 344.

- Trustpilot: TrustScore 4.5 (out of 5); 2401 reviews. Insureon's own Trustpilot profile (claimed since 2014), checked 2026-09-29. Reviews are collected by Insureon, so they are not a random sample. Period: all time; 548 in the prior 12 months (checked 2026-09-29). Checked 2026-09-29. [Insureon Reviews | Trustpilot](https://www.trustpilot.com/review/www.insureon.com)
- ConsumerAffairs: Displayed listing rating 1.0 (out of 5); 344 reviews. Insureon listing on ConsumerAffairs, page updated 2026-08-14 (read in an earlier pass; the numbers were not re-confirmed on the latest check). Period: page updated 2026-08-14. Checked 2026-09-29. [Insureon Reviews (From First-hand Experiences)](https://www.consumeraffairs.com/insurance/insureon.html)
- BBB: BBB business grade A+. BBB Chicago/Northern Illinois profile for Insureon; BBB Accredited since 2025-08-29. Checked 2026-09-29. [Insureon | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/commercial-insurance-services/insureon-0654-88589675)
- BBB: Customer-review rating 1 (out of 5); 2 reviews. Two self-selected customer reviews on the BBB profile (read earlier; the 2 count was reconfirmed 2026-09-29). Period: BBB profile checked 2026-09-29. Checked 2026-09-29. [Insureon | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/commercial-insurance-services/insureon-0654-88589675/customer-reviews)
- BBB: Complaints 6. BBB complaint list for Insureon; no policy-volume denominator. Period: closed in the last three years (BBB, 2026-09-29). Checked 2026-09-29. [Insureon | BBB Complaints](https://www.bbb.org/us/il/chicago/profile/commercial-insurance-services/insureon-0654-88589675/complaints)

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

## Agent and Developer Resources

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