--- title: "Berkshire Hathaway Specialty Insurance vs Liberty Mutual: Commercial Property Insurance" description: "Evidence hold: Liberty Mutual’s schedule and package descriptions lack two corresponding BHSI claims." canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/commercial-property" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "berkshire-hathaway-specialty-insurance-vs-liberty-mutual" provider-a: "berkshire-hathaway-specialty-insurance" provider-b: "liberty-mutual" 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-liberty-mutual/commercial-property) ## Agent Guide **What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and Liberty Mutual 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 Liberty Mutual. 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 Liberty Mutual for Commercial Property Insurance: how do they differ? - Which is better for Commercial Property Insurance, Berkshire Hathaway Specialty Insurance or Liberty Mutual? - What does Berkshire Hathaway Specialty Insurance or Liberty Mutual 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 Liberty Mutual? **Key facts:** - Line: Commercial Property Insurance. Providers: Berkshire Hathaway Specialty Insurance and Liberty Mutual. - 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 Liberty Mutual](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual) — 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) - [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence) - [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/builders-risk) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/cargo-transit) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/crime) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/cyber) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Liberty Mutual D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/directors-officers) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/employment-practices) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/fiduciary) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/general-liability) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/inland-marine) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/surety-bonds) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/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 Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/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 Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/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 Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/commercial-property) — sibling comparison (other line, or other pair for this line) # Berkshire Hathaway Specialty Insurance vs Liberty Mutual: How Do They Compare for Commercial Property Insurance? Evidence hold: Liberty Mutual’s schedule and package descriptions lack two corresponding BHSI claims. ## How to Use the Berkshire Hathaway Specialty Insurance vs Liberty Mutual Commercial Property Insurance Comparison Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Liberty Mutual 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 Liberty Mutual Commercial Property Insurance Summary Liberty Mutual describes property schedules from one location to worldwide programs and offers standalone or package options. BHSI lists all-risk and selected-peril US property, subject to state, risk and capacity, but the claims do not support a comparable schedule or package structure. [5](https://www.bhspecialty.com/us-products/us-property/ "Property") [9](https://business.libertymutual.com/commercial-solutions/property/ "Property") ## 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 Liberty Mutual Business Insurance? Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. [7](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [8](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) ## 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 Liberty Mutual Commercial Property Insurance? ### Evidence hold: schedule breadth Liberty Mutual describes commercial property solutions from a single location to worldwide schedules. BHSI’s selected claims identify US commercial property offerings, but do not state comparable schedule breadth across locations. These facts do not establish equivalent territory wording or eligibility for a specific risk. [9](https://business.libertymutual.com/commercial-solutions/property/ "Property") [5](https://www.bhspecialty.com/us-products/us-property/ "Property") ### Evidence hold: standalone and package options Liberty Mutual names standalone and package property options. BHSI distinguishes all-risk property from selected single-peril offerings; peril selection is not the same as whether property is sold standalone or in a package. Keep this candidate on hold until a BHSI source addresses package structure or comparable schedule breadth. [9](https://business.libertymutual.com/commercial-solutions/property/ "Property") [5](https://www.bhspecialty.com/us-products/us-property/ "Property") ## What Should You Confirm in Berkshire Hathaway Specialty Insurance and Liberty Mutual Commercial Property Insurance Quotes? - Which Liberty Mutual locations and standalone or package form are proposed? [9](https://business.libertymutual.com/commercial-solutions/property/ "Property") - Which BHSI source describes corresponding schedule breadth or package structure? [5](https://www.bhspecialty.com/us-products/us-property/ "Property") Evidence status: HOLD — no two matched dimensions are supported by the selected claims. ## Berkshire Hathaway Specialty Insurance vs Liberty Mutual Commercial Property Compared | Criteria | Commercial property all-risk and selected single-peril/catastrophe offerings | Commercial Property | | --- | --- | --- | | Role in This Line | Confirm in your quote. | Liberty Mutual describes commercial property solutions for businesses, from a single location to worldwide property schedules. [9](https://business.libertymutual.com/commercial-solutions/property/ "Property") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Property. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | | 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 company describes stand-alone and package options, including named property forms. [9](https://business.libertymutual.com/commercial-solutions/property/ "Property") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Property. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | | 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 coverage for damaged, destroyed or stolen business property and business interruption; policy form and schedule control. [9](https://business.libertymutual.com/commercial-solutions/property/ "Property") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Property. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | | 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..) | Confirm in your quote. | | How to Apply | Confirm in your quote. | The cited product page does not establish an online application or policy-binding path; ask the listed team or your broker/agent how this product is placed. [9](https://business.libertymutual.com/commercial-solutions/property/ "Property") (Evidence: Not found in reviewed sources; scope: Reviewed product-page scope only. This not-found disposition is not a claim that no digital route exists..) | ## Related Pages for Berkshire Hathaway Specialty Insurance vs Liberty Mutual - [Berkshire Hathaway Specialty Insurance vs Liberty Mutual](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual): 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 Liberty Mutual Builders Risk Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/builders-risk) - [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Cargo and Transit Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/cargo-transit) - [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/crime) - [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/cyber) - [Berkshire Hathaway Specialty Insurance vs Liberty Mutual D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/directors-officers) - [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/employment-practices) - [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/fiduciary) - [Berkshire Hathaway Specialty Insurance vs Liberty Mutual General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/general-liability) - [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/inland-marine) - [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/professional-errors-omissions) - [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/surety-bonds) - [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/technology-errors-omissions) - [Berkshire Hathaway Specialty Insurance vs Liberty Mutual Umbrella and Excess Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/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 Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/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 Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/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 Liberty Mutual Commercial Property Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/commercial-property) ## Sources for Berkshire Hathaway Specialty Insurance vs Liberty Mutual ### 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 Liberty Mutual 7. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile). Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide).. Accessed 2026-09-29. 8. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-solutions/). Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary.. Accessed 2026-09-29. 9. [Property](https://business.libertymutual.com/commercial-solutions/property/). Liberty Mutual Business Insurance; Property solutions section describes commercial property, business-interruption protection, Builder's Risk, Equipment Breakdown, Inland Marine and Ocean Marine; named Premier Property Protector, RM Select, and Liberty Mutual Property Protector product descriptions; states standalone and package options. Coverage terms depend on the policy.. 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). ## Liberty Mutual Review Scores for 2026 Review Score: 7.2 / 10 from 2 rated sources, equally weighted. Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected. - NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance) - Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/liberty-mutual/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-liberty-mutual/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)