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 Builders Risk Insurance page
What Is Marsh McLennan Agency?
Marsh McLennan Agency provides business insurance and employee health and benefits, alongside retirement, wealth, and private-client services across the United States and Canada. Its US small-business page lists six common coverage types and directs buyers to request a personalized quote by phone; the insurer and terms for a specific placement must be confirmed in the proposal. 7,8
What Is Builders Risk Insurance?
Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. 10,11,12,13
What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Marsh McLennan Agency Builders Risk Insurance?
Detail Available Before You Call
BHSI lists a Builder’s Risk Form, follow-form quota-share or excess forms and broker manuscript forms 5. Marsh McLennan Agency's page describes a panel for projects under construction or renovation and names perils such as fire, theft, vandalism and natural disasters as examples 9.
Starting the Conversation
BHSI says underwriting may request coverage specifications, a project description, contractor loss experience and a construction schedule 6. Marsh McLennan Agency asks you to contact an adviser or specialist, and its page does not establish a quote or binding timeline 9.
Limits Are Open on Both Sides
Marsh McLennan Agency's overview sets no universal limit or retention 9. BHSI's reviewed pages list soft-cost and delay as features without publishing amounts 5.
What Should You Confirm in Berkshire Hathaway Specialty Insurance and Marsh McLennan Agency Builders Risk Insurance Quotes?
- Ask Marsh McLennan Agency whether the panel includes BHSI forms and how a panel placement differs from a single-carrier quote.
- Request limits, retentions, delay and soft-cost sublimits in writing from both routes.
- Confirm which project details BHSI needs and whether your build is a single project or a master program.
Berkshire Hathaway Specialty Insurance and Marsh McLennan Agency 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
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 reviewsMarsh McLennan Agency Review Score
Review Score
2 rated sources
There are almost no public customer reviews of Marsh McLennan Agency (MMA). Trustpilot shows 3.2 out of 5, but from a single review, and BBB shows an A grade with four complaints closed in three years.[8][9][1]
Read Marsh McLennan Agency reviewsBerkshire Hathaway Specialty Insurance vs Marsh McLennan Agency Builders Risk Compared
Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency: Builders Risk Insurance: documented features by provider
| Criteria | Builder’s Risk | Marsh McLennan Agency builders risk (official overview) |
|---|---|---|
| Role in This Line | BHSI describes primary and excess options for its Builder’s Risk products, along with single-peril and difference-in-conditions choices. 5Company-reported. These are marketed placement options, not a commitment to provide any layer or a statement about how a specific project is insured. | Marsh McLennan Agency describes arranging builders risk for the audience stated on the cited product page. 9Company-reported. builders risk marketed by marsh-mclennan-agency; 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 separates its EAR and CAR target categories; it says Master Builder’s Risk is considered selectively. 5Company-reported. The published target categories guide submission discussions; they do not guarantee eligibility or acceptance. | Construction projects and clients described on the construction page; individual project eligibility is placement-specific. 9Company-reported. builders risk marketed by marsh-mclennan-agency; 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 describes Builder’s Risk as project property coverage and lists hot testing/commissioning, delay and soft-cost features. 5Company-reported. U.S. product-page marketing summary; does not establish that each extension is included in every project policy. The page describes primary and excess placements and single-peril or difference-in-conditions options alongside its all-risk product description. 5Company-reported. These are marketed options, not a statement that a particular quote includes them. BHSI lists its Builder’s Risk Form, follow-form quota-share or excess forms, and broker manuscript forms as options. 6Company-reported. A form being listed does not establish that it will be used for a project or what its final terms contain. | The cited product page describes a Builders' Risk Panel for projects under construction or renovation, with example risks including fire, theft, vandalism, and natural disasters. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 9Company-reported. builders risk marketed by marsh-mclennan-agency; 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 | Confirm in your quote. | 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. 9Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| How to Apply | BHSI says underwriting may request coverage specifications, a project description, contractor loss experience and a construction schedule, among other project details. 6Company-reported. The guide gives examples rather than a universal or complete checklist; requirements depend on the submission. | The page invites organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. 9Company-reported. builders risk marketed by marsh-mclennan-agency; 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 Marsh McLennan Agency
Builders Risk Pages for Berkshire Hathaway Specialty Insurance and Marsh McLennan Agency
Other Coverage Lines Compared for Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency
Other Builders Risk Insurance Provider Comparisons
Sources for Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency
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.
- Builder’s Risk. Berkshire Hathaway Specialty Insurance; Retained canonical source record locator: current U.S. product page, lines 6–35: all-risk project coverage, hot testing/commissioning, delay/startup/soft costs, single-peril/DIC primary/excess, EAR/CAR target categories and selectively considered Master Builder’s Risk. Prior actual access 2026-09-28; direct re-open failed in this session. Accessed 2026-09-28.
- Builder’s Risk Appetite Guide. Berkshire Hathaway Specialty Insurance; U.S. guide pp. 1–2: marketed coverage/participation and targeted classes, lines 0–35; listed BHSI, follow-form and broker-manuscript policy forms, plus example submission information, lines 39–53; dated 2026-01-30 A; all coverage remains subject to the actual policy, lines 63–65. Accessed 2026-09-30.
Sources About Marsh McLennan Agency
- Who We Are. Marsh McLennan Agency; Lines 193-195: ‘a business of Marsh’ and company-listed service lines across US and Canada. This does not establish the legal entity for an account, corporate ownership chart, or insurer role. Accessed 2026-09-29.
- Small Business Insurance Solutions. Marsh McLennan Agency; Lines 205-207: small-business audience and call invitation; lines 224-249 list six coverage categories and short descriptions; line 264 is an embedded form whose function is not stated. No form submitted. Accessed 2026-09-29.
- Construction Insurance | MMA. Marsh McLennan Agency; Builders risk; risks named for projects under construction or renovation; construction services. Accessed 2026-09-30.
Sources for the Builders Risk Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
- Builders Risk Coverage Form. Insurance Services Office, Inc.; hosted by Touchpoint Markets; A.1–3 p.1; B.3.c p.11; C,D,E p.12. Accessed 2026-09-16.
- Builders Risk Application Tip Sheet. US Assure; General policy application tips p.1; Remodeling tips p.2. Accessed 2026-09-16.
