--- title: "Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency: Commercial Property Insurance" description: "Marsh McLennan Agency describes industry-tailored commercial property; Berkshire Hathaway Specialty Insurance separately lists selected perils and working-capacity guidance." canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-marsh-mclennan-agency/commercial-property" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "berkshire-hathaway-specialty-insurance-vs-marsh-mclennan-agency" provider-a: "berkshire-hathaway-specialty-insurance" provider-b: "marsh-mclennan-agency" 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-marsh-mclennan-agency/commercial-property) ## Agent Guide **What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and Marsh McLennan Agency 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 Marsh McLennan Agency. 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 Marsh McLennan Agency for Commercial Property Insurance: how do they differ? - Which is better for Commercial Property Insurance, Berkshire Hathaway Specialty Insurance or Marsh McLennan Agency? - What does Berkshire Hathaway Specialty Insurance or Marsh McLennan Agency 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 Marsh McLennan Agency? **Key facts:** - Line: Commercial Property Insurance. Providers: Berkshire Hathaway Specialty Insurance and Marsh McLennan Agency. - 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 Marsh McLennan Agency](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-marsh-mclennan-agency) — 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) - [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) — provider profile (evidence) - [Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency Builders Risk Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-marsh-mclennan-agency/builders-risk) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency Cargo and Transit Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-marsh-mclennan-agency/cargo-transit) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-marsh-mclennan-agency/crime) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-marsh-mclennan-agency/cyber) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-marsh-mclennan-agency/directors-officers) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-marsh-mclennan-agency/employment-practices) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-marsh-mclennan-agency/fiduciary) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-marsh-mclennan-agency/general-liability) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency Media Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-marsh-mclennan-agency/media) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-marsh-mclennan-agency/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-marsh-mclennan-agency/surety-bonds) — 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 Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/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 Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/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 Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/aon-vs-marsh-mclennan-agency/commercial-property) — sibling comparison (other line, or other pair for this line) # Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency: How Do They Compare for Commercial Property Insurance? Marsh McLennan Agency describes industry-tailored commercial property; Berkshire Hathaway Specialty Insurance separately lists selected perils and working-capacity guidance. ## How to Use the Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency Commercial Property Insurance Comparison Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Marsh McLennan Agency 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 Marsh McLennan Agency Commercial Property Insurance Summary Marsh McLennan Agency describes commercial property tailored to an organization’s industry and stated risks. Berkshire Hathaway Specialty Insurance lists all-risk and selected-peril property; its 2026 U.S. guide states working capacity for its share. [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.marshmma.com/us/solutions/property.html "Property Insurance | MMA") ## 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 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](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [8](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) ## 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 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](https://www.bhspecialty.com/us-products/us-property/ "Property") [9](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") ### 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](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.marshmma.com/us/solutions/property.html "Property Insurance | MMA") ### 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](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") [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 Marsh McLennan Agency Commercial Property Insurance Quotes? - Which perils, covered property classes and terms does MMA propose for each location? [9](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") - Does BHSI’s guide capacity and minimum premium fit the submitted schedule? [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf "General Property Appetite Guide") - Which insurer, form and adviser route will handle MMA’s proposed placement? [9](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") ## Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency Commercial Property Compared | 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. [9](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") (Evidence: Company-reported; scope: 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. [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 property organizations; exact property classes and terms are set through placement. [9](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") (Evidence: Company-reported; scope: 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. [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 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. [9](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") (Evidence: Company-reported; scope: 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. [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.marshmma.com/us/solutions/property.html "Property Insurance | MMA") (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 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. [9](https://www.marshmma.com/us/solutions/property.html "Property Insurance | MMA") (Evidence: Company-reported; scope: 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 - [Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-marsh-mclennan-agency): 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 Marsh McLennan Agency Builders Risk Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-marsh-mclennan-agency/builders-risk) - [Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency Cargo and Transit Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-marsh-mclennan-agency/cargo-transit) - [Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-marsh-mclennan-agency/crime) - [Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-marsh-mclennan-agency/cyber) - [Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-marsh-mclennan-agency/directors-officers) - [Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-marsh-mclennan-agency/employment-practices) - [Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-marsh-mclennan-agency/fiduciary) - [Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-marsh-mclennan-agency/general-liability) - [Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency Media Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-marsh-mclennan-agency/media) - [Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-marsh-mclennan-agency/professional-errors-omissions) - [Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-marsh-mclennan-agency/surety-bonds) - [AIG vs Berkshire Hathaway Specialty Insurance Commercial Property Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/commercial-property) - [AIG vs Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/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 Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/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 Marsh McLennan Agency Commercial Property Insurance](https://spot.insure/compare/aon-vs-marsh-mclennan-agency/commercial-property) ## Sources for Berkshire Hathaway Specialty Insurance vs Marsh McLennan Agency ### 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 Marsh McLennan Agency 7. [Who We Are](https://www.marshmma.com/us/mma/about-us.html). 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. 8. [Small Business Insurance Solutions](https://www.marshmma.com/us/solutions/small-business.html). 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. 9. [Property Insurance | MMA](https://www.marshmma.com/us/solutions/property.html). 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 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). ## Marsh McLennan Agency Review Scores for 2026 Review Score: 8.2 / 10 from 2 rated sources, equally weighted. 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. - Trustpilot: TrustScore 3.2 (out of 5); 1 reviews. Trustpilot profile for marshmma.com, MMA's own domain. Unclaimed; MMA has not invited reviews. Period: checked 2026-09-29. Checked 2026-09-29. [marshmma.com Trustpilot profile](https://www.trustpilot.com/review/marshmma.com) - Trustpilot: TrustScore (Marsh brand) 1.3 (out of 5); 115 reviews. Trustpilot page for marsh.com, the global Marsh brand (mostly individual and non-US customers). This is a different entity from MMA. Period: checked 2026-09-29. Checked 2026-09-29. [Marsh Reviews](https://www.trustpilot.com/review/www.marsh.com) - BBB: BBB business grade A. BBB San Diego-area profile for Marsh & McLennan Agency LLC (accredited). MMA has separate BBB profiles per office; Dayton and Schaumburg both show A+. Checked 2026-09-29. [Marsh & McLennan Agency LLC (San Diego) BBB](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103) - BBB: Complaints 4. Same San Diego-area profile; zero customer reviews. No client-count denominator. Period: closed in the last three years (checked 2026-09-29). Checked 2026-09-29. [Marsh & McLennan Agency LLC — BBB Complaints](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/complaints); [Marsh & McLennan Agency LLC — BBB Reviews](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/marsh-mclennan-agency/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-marsh-mclennan-agency/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)