--- title: "Berkshire Hathaway Specialty Insurance vs Nationwide: Commercial Property Insurance" description: "Nationwide describes commercial property for business buildings and contents with policy-dependent terms; Berkshire Hathaway Specialty Insurance lists selected perils and share-specific capacity guidance." canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/commercial-property" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "berkshire-hathaway-specialty-insurance-vs-nationwide" provider-a: "berkshire-hathaway-specialty-insurance" provider-b: "nationwide" 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-nationwide/commercial-property) ## Agent Guide **What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and Nationwide 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 Nationwide. 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 Nationwide for Commercial Property Insurance: how do they differ? - Which is better for Commercial Property Insurance, Berkshire Hathaway Specialty Insurance or Nationwide? - What does Berkshire Hathaway Specialty Insurance or Nationwide 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 Nationwide? **Key facts:** - Line: Commercial Property Insurance. Providers: Berkshire Hathaway Specialty Insurance and Nationwide. - 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 Nationwide](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide) — 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) - [Nationwide profile](https://spot.insure/insurance-providers/nationwide) — provider profile (evidence) - [Berkshire Hathaway Specialty Insurance vs Nationwide Builders Risk Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/builders-risk) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Nationwide Cargo and Transit Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/cargo-transit) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Nationwide Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/crime) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Nationwide Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/cyber) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Nationwide D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/directors-officers) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/employment-practices) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/fiduciary) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Nationwide General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/general-liability) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Nationwide Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/inland-marine) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Nationwide Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/surety-bonds) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Nationwide Umbrella and Excess Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/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 Nationwide Commercial Property Insurance](https://spot.insure/compare/aig-vs-nationwide/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 Nationwide Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/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 Nationwide Commercial Property Insurance](https://spot.insure/compare/aon-vs-nationwide/commercial-property) — sibling comparison (other line, or other pair for this line) # Berkshire Hathaway Specialty Insurance vs Nationwide: How Do They Compare for Commercial Property Insurance? Nationwide describes commercial property for business buildings and contents with policy-dependent terms; Berkshire Hathaway Specialty Insurance lists selected perils and share-specific capacity guidance. ## How to Use the Berkshire Hathaway Specialty Insurance vs Nationwide Commercial Property Insurance Comparison Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Nationwide 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 Nationwide Commercial Property Insurance Summary Nationwide describes commercial property coverage for business buildings and property, with coverage and occupancy qualifications dependent on the policy. Berkshire Hathaway Specialty Insurance lists all-risk and selected catastrophe perils and separately states working-layer 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") [10](https://www.nationwide.com/business/insurance/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) ## What Is Nationwide? Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. [7](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [8](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") [9](https://www.nationwide.com/personal/about-us/terms-conditions "Terms and Conditions for Nationwide.com") [Nationwide profile](https://spot.insure/insurance-providers/nationwide) ## 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. [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [12](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop "Business Interruption Insurance/Businessowner’s Policies (BOP)") [13](https://www.tdi.texas.gov/pubs/consumer/cb021.html "Commercial property insurance guide") ## What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Nationwide Commercial Property Insurance? ### Property perils and forms BHSI lists all-risk commercial property and selected flood, earthquake and windstorm offerings. Nationwide describes business-building and property protection, with actual coverage, exclusions and occupancy qualifications depending on the issued policy. Ask Nationwide for the causes of loss and endorsements in its quote and compare them with BHSI’s scheduled perils. [5](https://www.bhspecialty.com/us-products/us-property/ "Property") [10](https://www.nationwide.com/business/insurance/property/ "Commercial Property Insurance") ### Portfolio scale BHSI’s U.S. appetite guide dated February 2026 states $100 million working-layer capacity and a $100,000 minimum premium per policy for BHSI’s share; these are not an insured limit or quote. Nationwide’s selected claim describes property coverage and policy-dependent qualifications, not a stated universal layer. Request Nationwide’s offered limit and BHSI’s specific participation against the same schedule. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf "General Property Appetite Guide") [10](https://www.nationwide.com/business/insurance/property/ "Commercial Property Insurance") ### Quote path and underwriting Ask Nationwide how to submit this schedule and what occupancy information to provide. BHSI’s guide says final terms, issuer and availability depend on submission and policy; share the same locations, values and loss history with both providers. [10](https://www.nationwide.com/business/insurance/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 Nationwide Commercial Property Insurance Quotes? - Which covered causes, occupancy qualifications and form apply to Nationwide’s quote? [10](https://www.nationwide.com/business/insurance/property/ "Commercial Property Insurance") - Does BHSI’s share minimum and working-layer guidance fit the schedule and requested attachment? [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf "General Property Appetite Guide") - What is Nationwide’s submission route and what schedule information is required? [10](https://www.nationwide.com/business/insurance/property/ "Commercial Property Insurance") ## Berkshire Hathaway Specialty Insurance vs Nationwide Commercial Property Compared | Criteria | Commercial property all-risk and selected single-peril/catastrophe offerings | Nationwide commercial property (official overview) | | --- | --- | --- | | Role in This Line | Confirm in your quote. | Nationwide describes offering commercial property for the audience stated on the cited product page. [10](https://www.nationwide.com/business/insurance/property/ "Commercial Property Insurance") (Evidence: Company-reported; scope: commercial property marketed by nationwide; 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..) | Businesses insuring commercial property; specific occupancy and terms depend on underwriting. [10](https://www.nationwide.com/business/insurance/property/ "Commercial Property Insurance") (Evidence: Company-reported; scope: commercial property marketed by nationwide; 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 coverage for business buildings and property, with the page's stated coverage and occupancy qualifications. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [10](https://www.nationwide.com/business/insurance/property/ "Commercial Property Insurance") (Evidence: Company-reported; scope: commercial property marketed by nationwide; 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. [10](https://www.nationwide.com/business/insurance/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 directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. [10](https://www.nationwide.com/business/insurance/property/ "Commercial Property Insurance") (Evidence: Company-reported; scope: commercial property marketed by nationwide; 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 Nationwide - [Berkshire Hathaway Specialty Insurance vs Nationwide](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide): 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 Nationwide Builders Risk Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/builders-risk) - [Berkshire Hathaway Specialty Insurance vs Nationwide Cargo and Transit Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/cargo-transit) - [Berkshire Hathaway Specialty Insurance vs Nationwide Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/crime) - [Berkshire Hathaway Specialty Insurance vs Nationwide Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/cyber) - [Berkshire Hathaway Specialty Insurance vs Nationwide D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/directors-officers) - [Berkshire Hathaway Specialty Insurance vs Nationwide Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/employment-practices) - [Berkshire Hathaway Specialty Insurance vs Nationwide Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/fiduciary) - [Berkshire Hathaway Specialty Insurance vs Nationwide General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/general-liability) - [Berkshire Hathaway Specialty Insurance vs Nationwide Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/inland-marine) - [Berkshire Hathaway Specialty Insurance vs Nationwide Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/professional-errors-omissions) - [Berkshire Hathaway Specialty Insurance vs Nationwide Surety Bonds](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/surety-bonds) - [Berkshire Hathaway Specialty Insurance vs Nationwide Umbrella and Excess Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/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 Nationwide Commercial Property Insurance](https://spot.insure/compare/aig-vs-nationwide/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 Nationwide Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/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 Nationwide Commercial Property Insurance](https://spot.insure/compare/aon-vs-nationwide/commercial-property) ## Sources for Berkshire Hathaway Specialty Insurance vs Nationwide ### 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 Nationwide 7. [Small Business Insurance](https://www.nationwide.com/business/insurance/small-commercial/). Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247.. Accessed 2026-09-29. 8. [Small Business Insurance Solutions for Agents](https://www.nationwide.com/agents/business/). Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193.. Accessed 2026-09-29. 9. [Terms and Conditions for Nationwide.com](https://www.nationwide.com/personal/about-us/terms-conditions). Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394.. Accessed 2026-09-29. 10. [Commercial Property Insurance](https://www.nationwide.com/business/insurance/property/). Nationwide; Commercial property page; buildings, business property, and property-in-transit coverage overview.. Accessed 2026-09-30. ### Sources for the Commercial Property Insurance Guide 11. [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. 12. [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. 13. [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). ## Nationwide Review Scores for 2026 Review Score: 7.8 / 10 from 4 rated sources, equally weighted. Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews. - NerdWallet: NerdWallet rating 4.5 (out of 5). NerdWallet's editorial small-business review of Nationwide, updated 2026-06-03. It is an expert score, not a customer average. The page header shows 4.5 and a partner card on the same page shows 4.0; the 4.5 is the review's own headline rating. Period: review updated 2026-06-03. Checked 2026-09-29. [Nationwide Business Insurance Review 2026](https://www.nerdwallet.com/business/insurance/learn/nationwide-business-insurance) - J.D. Power: 2025 Small Commercial satisfaction index 707 (out of 1,000); 2848 reviews. 2025 U.S. Small Commercial Insurance Study: 2,848 U.S. businesses with 50 or fewer employees, fielded Mar-May 2025. Nationwide scored 707 against a study average of 698. A 2026 study was published 2026-08-20 (average 713); Nationwide's 2026 score was not found. Period: 2025 study. Checked 2026-09-29. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/sites/default/files/file/2025-08/2025092%20U.S.%20Small%20Commercial%20Insurance%20Study.pdf); [U.S. Small Commercial Insurance Study](https://www.jdpower.com/business/u-s-small-commercial-insurance-study/); [Rates, Digital Support Boost Small Business Insurance Customer Satisfaction: JD Power](https://www.carriermanagement.com/news/2026/08/20/291242.htm) - Trustpilot: TrustScore 1.3 (out of 5); 261 reviews. Nationwide's main Trustpilot page. It mixes personal and commercial customers; it cannot be separated. The page text says 1.3 out of 5 while an embedded badge image text said 1.5; we use the visible text score. Period: 69 reviews in the prior 12 months (checked 2026-09-29). Checked 2026-09-29. [Nationwide Reviews](https://www.trustpilot.com/review/nationwide.com) - ConsumerAffairs: ConsumerAffairs auto average 1.5 (out of 5); 1091 reviews. ConsumerAffairs Nationwide personal auto page (1,091 reviews displayed). Personal auto, not commercial. Period: checked 2026-09-29. Checked 2026-09-29. [Nationwide Auto Insurance Reviews](https://www.consumeraffairs.com/insurance/nationwide_auto.html) - ConsumerAffairs: ConsumerAffairs rating 2.5 (out of 5); 19 reviews. ConsumerAffairs Nationwide Small Business Insurance page; unclaimed profile; small-business customers. Screenshot captured 2026-09-29. Period: page updated Aug. 14, 2026; captured 2026-09-29. Checked 2026-09-29. [Nationwide Small Business Insurance Reviews](https://www.consumeraffairs.com/insurance/nationwide-small-business-insurance.html) - BBB: BBB business grade A+. BBB Nationwide profile at the Columbus, Ohio headquarters (BBB Accredited). Covers all Nationwide products, not just commercial. Checked 2026-09-29. [Nationwide BBB Complaints Profile](https://www.bbb.org/us/oh/columbus/profile/insurance-companies/nationwide-0302-2388/complaints) - BBB: Complaints 111. Same BBB headquarters profile; all Nationwide products, no premium denominator. BBB warns complaint details may be incomplete. The page also shows 269 customer reviews but no star average. Period: closed in the last three years (checked 2026-09-29). Checked 2026-09-29. [Nationwide BBB customer reviews](https://www.bbb.org/us/oh/columbus/profile/insurance-companies/nationwide-0302-2388/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/nationwide/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-nationwide/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)