Berkshire Hathaway Specialty Insurance vs 
Marsh McLennan Agency: How Do They Compare for 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. 1,2,3,4
Read the Berkshire Hathaway Specialty Insurance profile
Read the Berkshire Hathaway Specialty Insurance Commercial Property 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
Read the Marsh McLennan Agency profile
Read the Marsh McLennan Agency Commercial Property Insurance page
What Is Commercial Property Insurance?
Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. 10,11,12
What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Marsh McLennan Agency Commercial Property Insurance?
Perils to compare
BHSI lists all-risk commercial property and selected earthquake, flood and windstorm offerings. MMA describes property coverage tailored to industry and risks. Ask MMA’s placement adviser to list the covered causes, catastrophe options and exclusions for each location, then compare the schedule with BHSI’s proposed terms. 5 9
Industry profile and capacity
BHSI identifies target property portfolios in public entities, finance, healthcare, education, manufacturing and retail; those examples are not an acceptance commitment. Its February 2026 guide states $100 million working-layer capacity and a $100,000 minimum premium for its share. MMA describes industry-tailored coverage but does not provide a buyer-specific capacity in the selected claim. Submit the same schedule to establish appetite and proposed limits. 5 6 9
Placement discussion
MMA’s property page directs organizations to contact the agency about property risks; that page describes the product rather than guaranteeing an adviser or placement for a particular account. BHSI’s appetite guide also requires a submission and policy for final terms. Ask MMA which insurer and form it proposes and compare with BHSI’s actual share, retentions and catastrophe terms. 9 6
What Should You Confirm in Berkshire Hathaway Specialty Insurance and Marsh McLennan Agency Commercial Property Insurance Quotes?
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 Commercial Property Compared
Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency: Commercial Property Insurance: documented features by provider
| Criteria | Commercial property all-risk and selected single-peril/catastrophe offerings | Marsh McLennan Agency commercial property (official overview) |
|---|---|---|
| Role in This Line | Confirm in your quote. | Marsh McLennan Agency describes arranging commercial property for the audience stated on the cited product page. 9Company-reported. commercial property 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 targets property portfolios in sectors including public entities, finance, healthcare, education, manufacturing and retail. 5Company-reported. Commercial property risks described by BHSI. Material limitation: Target-sector language is not a complete appetite guide or individual acceptance commitment. | Commercial property organizations; exact property classes and terms are set through placement. 9Company-reported. commercial property 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 lists all-risk commercial property and selected single-peril offerings such as earthquake, flood and windstorm. 5Company-reported. US commercial property risks. Material limitation: Single-peril availability is separate from all-risk and depends on peril, state, risk and capacity. | The cited product page describes commercial property insurance tailored to an organization's industry and stated property risks. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 9Company-reported. commercial property 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 | BHSI’s general property appetite guide lists a $100,000 minimum premium per policy for BHSI’s share and $100 million working-layer capacity, with more capacity for selected risks. 6Company-reported. U.S. general property appetite in guide dated 2026-02-10; per-policy premium applies to BHSI share. Material limitation: Working capacity is not an insured policy limit or quote. “More for select risks” is selective. Final terms, exclusions, issuer and availability require the policy/submission. | 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 | Confirm in your quote. | 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. commercial property 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
Commercial Property Pages for Berkshire Hathaway Specialty Insurance and Marsh McLennan Agency
Other Coverage Lines Compared for Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency
Other Commercial Property 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.
- Property. Berkshire Hathaway Specialty Insurance; All-risk, single-peril, catastrophe, inland/ocean marine and builder's risk offerings; target account descriptions. Accessed 2026-09-28.
- General Property Appetite Guide. Berkshire Hathaway Specialty Insurance; Page 1: minimum premium, product/forms, territory, attachment and working capacity; page 2 footer identifies 2026-02-10 A; lines 0-9, 89-99. Accessed 2026-09-28.
Sources About 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.
- Property Insurance | MMA. Marsh McLennan Agency; Commercial property insurance tailored to industry and unique risks; property page sections. Accessed 2026-09-30.
Sources for the Commercial Property Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; What Should I Expect from a Broker-Agent; Commercial Property: Coverage Sections, Limits of Insurance, and Coinsurance; Covered Causes of Loss; Valuation Types; Inland Marine. Accessed 2026-09-16.
- Business Interruption Insurance/Businessowner’s Policies (BOP). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16.
- Commercial property insurance guide. Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your insurance. Accessed 2026-09-16.
