Berkshire Hathaway Specialty Insurance vs 
Marsh: 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?
Marsh suits technology and larger businesses seeking specialist cyber placement or broad global risk advice; small firms wanting a quick standard quote should compare its MMA route or digital agencies. 7,8,9,10
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. 13,14,15
What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Marsh Commercial Property Insurance?
Catastrophe options
MMA names flood, hurricane and windstorm, wildfire and earthquake options in its property overview. BHSI lists all-risk and selected earthquake, flood and windstorm products, with availability depending on state, peril, risk and capacity. Compare the location-level endorsements, deductibles and sublimits offered in each quote. 11 5
Data-center property coordination
Marsh says data-center insurance typically includes property damage, equipment breakdown, business interruption, cyber and general liability; it describes these as companion lines in a broader solution. BHSI’s selected claim documents property perils and target sectors but not a data-center package. Ask BHSI what related lines it can quote and compare the actual property and interruption terms. 12 5
Placement scale
BHSI’s U.S. guide dated February 2026 states $100 million working-layer capacity and a $100,000 minimum premium for its share. MMA’s property claim describes coverage options, not a universal limit. Ask MMA which insurers and shares it can arrange, then compare the actual tower with BHSI’s proposed participation. 6 11
What Should You Confirm in Berkshire Hathaway Specialty Insurance and Marsh Commercial Property Insurance Quotes?
Berkshire Hathaway Specialty Insurance and Marsh 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 Review Score
Review Score
2 rated sources
Marsh’s global Trustpilot profile has a poor 1.3/5 score. Treat it as a service warning to investigate with your proposed team; it does not isolate US commercial accounts.[2][4][7]
Read Marsh reviewsBerkshire Hathaway Specialty Insurance vs Marsh Commercial Property Compared
Berkshire Hathaway Specialty Insurance vs Marsh: Commercial Property Insurance: documented features by provider
| Criteria | Commercial property all-risk and selected single-peril/catastrophe offerings | Marsh McLennan Agency Commercial Property Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | Marsh McLennan Agency (MMA), Marsh's middle-market subsidiary, places commercial property insurance; separately, Marsh's technology industry practice arranges property coverage for digital infrastructure such as data centers. 11,12Company-reported. MMA property insurance page and Marsh's data center insurance page. |
| Issuing Insurer | Confirm in your quote. | The reviewed pages do not name a specific commercial property insurer. 11,12Not publicly disclosed. MMA property insurance page and Marsh data center page as read on 2026-09-23. |
| 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. | Confirm in your quote. |
| 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. | MMA says commercial property insurance protects an organization's physical assets, including owned or rented property, equipment and inventory, from unexpected loss events, with named options for flood, hurricane and windstorm, wildfire and earthquake coverage. 11Company-reported. MMA property insurance page; illustrative description, not a specific policy form. For data centers specifically, Marsh says property coverage is typically paired with equipment breakdown, business interruption, cyber and general liability coverage to close gaps that a conventional property policy alone would leave open. 12Company-reported. Data center insurance page FAQ. |
| 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. | Confirm in your quote. |
| Risk Services | Confirm in your quote. | MMA says its property practice offers hazard assessment and valuation services, loss and catastrophe modeling, claims advocacy, pre- and post-loss risk control, and alternative risk solutions such as captives and parametric insurance options. 11Company-reported. MMA property insurance page, Benefits of Property Insurance section. |
| How to Apply | Confirm in your quote. | You work with an MMA property specialist directly; the page names a National Accounts Property Practice Leader and describes advisor-led placement rather than an online quote. 11Company-reported. MMA property insurance page. |
Related Pages for Berkshire Hathaway Specialty Insurance vs Marsh
Commercial Property Pages for Berkshire Hathaway Specialty Insurance and Marsh
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Sources for Berkshire Hathaway Specialty Insurance vs Marsh
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
- Marsh | Leader in risk, strategy, people, and investments. Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
- Compensation guide for US clients. Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
- Marsh McLennan Agency (MMA). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
- Technology | Insurance Broking & Risk Management. Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
- Property Insurance. Marsh McLennan Agency; Property Insurance section: physical-asset protection; Flood, Hurricane and Windstorm, Wildfire, Earthquake subsections; Benefits of Property Insurance. Accessed 2026-09-23.
- Data Center Insurance and Risk Management Services. Marsh; Managing data center risk; FAQ: What does data center insurance typically cover? (property damage, equipment breakdown, business interruption, cyber, general liability). Accessed 2026-09-23.
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.
