---
title: "Berkshire Hathaway Specialty Insurance vs Markel Insurance: Commercial Property Insurance"
description: "Markel describes commercial, industrial and technical occupancies with primary or excess structures; Berkshire Hathaway Specialty Insurance lists selected-peril property and share-specific capacity guidance."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/commercial-property"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-markel"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "markel"
coverage-line: "commercial-property"
---

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

## Agent Guide

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

**Key facts:**
- Line: Commercial Property Insurance. Providers: Berkshire Hathaway Specialty Insurance and Markel Insurance.
- 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 Markel Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel) — 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)
- [Markel Insurance profile](https://spot.insure/insurance-providers/markel) — provider profile (evidence)
- [Berkshire Hathaway Specialty Insurance vs Markel Insurance Builders Risk Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/builders-risk) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Markel Insurance Cargo and Transit Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/cargo-transit) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Markel Insurance Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/crime) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Markel Insurance Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/cyber) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Markel Insurance D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Markel Insurance Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Markel Insurance Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Markel Insurance General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/general-liability) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Markel Insurance Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Markel Insurance Media Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/media) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Markel Insurance Product Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/product-liability) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Markel Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Markel Insurance Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/surety-bonds) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Markel Insurance Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Markel Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/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 Markel Insurance Commercial Property Insurance](https://spot.insure/compare/aig-vs-markel/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 Markel Insurance Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-markel/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 Markel Insurance Commercial Property Insurance](https://spot.insure/compare/aon-vs-markel/commercial-property) — sibling comparison (other line, or other pair for this line)

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

Markel describes commercial, industrial and technical occupancies with primary or excess structures; Berkshire Hathaway Specialty Insurance lists selected-peril property and share-specific capacity guidance.

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

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

Markel describes commercial-property placements for named commercial, industrial and technical occupancies, including primary and excess structures. Berkshire Hathaway Specialty Insurance lists all-risk and selected-peril property; its February 2026 guide gives qualified working-capacity figures. [5](https://www.bhspecialty.com/us-products/us-property/ "Property") [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf "General Property Appetite Guide") [9](https://www.markel.com/us/commercial/property/commercial-and-risk-management-property "Commercial Property Insurance")

## 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)

## Markel Insurance: Specialty Business and Products

Markel Insurance is Markel Group's specialty and small-business insurance business, with offerings across packages, workers' compensation, cyber, professional and management liability, property, marine, and surety. Products use different insurers and distribution routes, so compare the issuer and terms shown on the specific quote. [7](https://www.markel.com/about-us "About us") [8](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K")

[Markel Insurance profile](https://spot.insure/insurance-providers/markel)

## 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 Markel Insurance Commercial Property Insurance?

### Occupancy fit

Markel’s commercial-property overview names commercial, industrial and technical occupancies and gives examples such as municipalities, hospitality, real estate, healthcare, manufacturing and schools. BHSI lists target sectors including public entities, finance, healthcare, education, manufacturing and retail. Confirm the specific occupancy and locations against each market’s account appetite. [9](https://www.markel.com/us/commercial/property/commercial-and-risk-management-property "Commercial Property Insurance") [5](https://www.bhspecialty.com/us-products/us-property/ "Property")

### Perils and layers

BHSI lists all-risk and selected earthquake, flood and windstorm offerings. Its February 2026 guide states $100 million working-layer capacity and a $100,000 minimum premium for BHSI’s share. Markel describes primary or excess structures but the selected claim does not set an amount. Compare the actual catastrophe schedule, participation and attachment in submitted terms. [5](https://www.bhspecialty.com/us-products/us-property/ "Property") [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf "General Property Appetite Guide") [9](https://www.markel.com/us/commercial/property/commercial-and-risk-management-property "Commercial Property Insurance")

### Policy and contact details

Markel’s product overview describes coverage options and policy wording but does not establish a quote route in the reviewed claim. BHSI’s guide likewise requires a submission and policy for final terms. Ask Markel for the current contact and quote process, then compare its issued form with BHSI’s proposed limits, retentions and exclusions. [9](https://www.markel.com/us/commercial/property/commercial-and-risk-management-property "Commercial Property Insurance") [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf "General Property Appetite Guide")

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

- Which occupancy examples, primary or excess structure and forms will Markel quote? [9](https://www.markel.com/us/commercial/property/commercial-and-risk-management-property "Commercial Property Insurance")
- Does BHSI’s February 2026 capacity and share minimum apply to the same schedule? [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf "General Property Appetite Guide")
- What is Markel’s current commercial-property submission contact and quote route? [9](https://www.markel.com/us/commercial/property/commercial-and-risk-management-property "Commercial Property Insurance")

## Berkshire Hathaway Specialty Insurance vs Markel Insurance Commercial Property Compared

| Criteria | Commercial property all-risk and selected single-peril/catastrophe offerings | Markel commercial property (official overview) |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | Markel describes offering commercial property for the audience stated on the cited product page. [9](https://www.markel.com/us/commercial/property/commercial-and-risk-management-property "Commercial Property Insurance") (Evidence: Company-reported; scope: commercial property marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| 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..) | Commercial, industrial, and technical occupancies, with examples including municipalities, hospitality, commercial real estate, healthcare, light manufacturing, medical facilities, and schools. [9](https://www.markel.com/us/commercial/property/commercial-and-risk-management-property "Commercial Property Insurance") (Evidence: Company-reported; scope: commercial property marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| 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 cited product page describes commercial property placements for named commercial, industrial, and technical occupancies, including primary and excess structures. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [9](https://www.markel.com/us/commercial/property/commercial-and-risk-management-property "Commercial Property Insurance") (Evidence: Company-reported; scope: commercial property marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| 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 overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. [9](https://www.markel.com/us/commercial/property/commercial-and-risk-management-property "Commercial Property Insurance") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) |
| How to Apply | Confirm in your quote. | The page invites prospective customers or brokers to contact Markel or the named underwriting team. The page does not establish a quote, bind, or coverage-effective timeline. [9](https://www.markel.com/us/commercial/property/commercial-and-risk-management-property "Commercial Property Insurance") (Evidence: Company-reported; scope: commercial property marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |

## Related Pages for Berkshire Hathaway Specialty Insurance vs Markel Insurance

- [Berkshire Hathaway Specialty Insurance vs Markel Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel): 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 Markel Insurance Builders Risk Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/builders-risk)
- [Berkshire Hathaway Specialty Insurance vs Markel Insurance Cargo and Transit Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/cargo-transit)
- [Berkshire Hathaway Specialty Insurance vs Markel Insurance Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/crime)
- [Berkshire Hathaway Specialty Insurance vs Markel Insurance Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/cyber)
- [Berkshire Hathaway Specialty Insurance vs Markel Insurance D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/directors-officers)
- [Berkshire Hathaway Specialty Insurance vs Markel Insurance Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/employment-practices)
- [Berkshire Hathaway Specialty Insurance vs Markel Insurance Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/fiduciary)
- [Berkshire Hathaway Specialty Insurance vs Markel Insurance General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/general-liability)
- [Berkshire Hathaway Specialty Insurance vs Markel Insurance Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/inland-marine)
- [Berkshire Hathaway Specialty Insurance vs Markel Insurance Media Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/media)
- [Berkshire Hathaway Specialty Insurance vs Markel Insurance Product Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/product-liability)
- [Berkshire Hathaway Specialty Insurance vs Markel Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/professional-errors-omissions)
- [Berkshire Hathaway Specialty Insurance vs Markel Insurance Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/surety-bonds)
- [Berkshire Hathaway Specialty Insurance vs Markel Insurance Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/technology-errors-omissions)
- [Berkshire Hathaway Specialty Insurance vs Markel Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/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 Markel Insurance Commercial Property Insurance](https://spot.insure/compare/aig-vs-markel/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 Markel Insurance Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-markel/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 Markel Insurance Commercial Property Insurance](https://spot.insure/compare/aon-vs-markel/commercial-property)

## Sources for Berkshire Hathaway Specialty Insurance vs Markel Insurance

### 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 Markel Insurance

7. [About us](https://www.markel.com/about-us). Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc.. Accessed 2026-09-28.
8. [Markel Group Inc. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm). U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28.
9. [Commercial Property Insurance](https://www.markel.com/us/commercial/property/commercial-and-risk-management-property). Markel; What we offer; occupancy examples; coverage options; E&S primary or excess placement; policy wording.. Accessed 2026-09-30.

### 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).

## Markel Insurance Review Scores for 2026

Review Score: 7.5 / 10 from 2 rated sources, equally weighted.

There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years.

- J.D. Power: Commercial Lines Insurers agent satisfaction score 726 (out of 1,000). 2022 commercial-lines independent-agent satisfaction study and 2025 small-commercial customer study; these use different populations and measures Period: 2022. Checked 2026-09-29. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/business/press-releases/2025-us-small-commercial-insurance-study); [2022 U.S. Independent Agent Satisfaction Study](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf)
- Trustpilot: TrustScore 2.5 (out of 5); 5 reviews. Trustpilot brand-level page for markel.com. It mixes products and is not mapped to one legal insurer. Checked 2026-09-29. [Markel Reviews](https://www.trustpilot.com/review/markel.com)
- BBB: BBB business grade A+. BBB business profile for Markel Insurance Company headquarters/corporate-owned locations; review and complaint submissions may include other products and affiliates Checked 2026-09-29. [Markel Insurance Company Business Profile](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547); [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints)
- BBB: Complaints 12; 12 reviews. BBB profile for Markel Insurance Company; complaints may include other Markel products and affiliates and BBB says not all submissions are displayed. Period: last 3 years, as displayed 2026-09-29. Checked 2026-09-29. [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-markel/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)