Berkshire Hathaway Specialty Insurance vs 
Relm Insurance: How Do They Compare for Commercial Property Insurance?
Relm lists flood, earthquake and other exclusions for its commercial-property description, while Berkshire Hathaway Specialty Insurance lists selected flood, earthquake and windstorm offerings. Relm separately names specialized industries as target accounts; BHSI publishes target portfolio sectors. 5,9
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 Relm Insurance?
Relm suits AI developers distinguishing liability and cyber/Tech E&O through Nova AI from first-party losses caused by third-party AI failures through Resca AI; businesses seeking standard small-business coverage should compare generalist providers. 7,8
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 Relm Insurance Commercial Property Insurance?
Flood and earthquake
Relm says its property coverage excludes flooding and earthquakes and that separate policies may be needed in at-risk areas. BHSI lists selected flood and earthquake offerings separately from all-risk property, with availability depending on state, risk, peril and capacity. Compare the actual separate-policy options, deductibles and sublimits at each location. 9 5
Specialized asset fit
Relm names cannabis cultivation, advanced manufacturing and aerospace companies with costly or custom-built assets as target customers. BHSI names portfolio sectors including public entities, finance, healthcare, education, manufacturing and retail; those examples do not guarantee acceptance. Submit the asset schedule and occupancy to confirm which market will consider specialized equipment. 9 5
Form and exclusions
Relm describes named-peril or open-peril/all-risk forms and lists exclusions including wear, maintenance damage, contamination, war and intentional employee damage. BHSI lists all-risk and selected-peril offerings but that product list is not a policy form. Compare the issued wording and identify any separate placements needed for excluded causes. 9 5
What Should You Confirm in Berkshire Hathaway Specialty Insurance and Relm Insurance Commercial Property Insurance Quotes?
Berkshire Hathaway Specialty Insurance and Relm Insurance 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 reviewsRelm Insurance Review Score
Review Score
No reviews found
We couldn't find any public customer reviews or ratings for Relm Insurance. Its Trustpilot page exists but has no reviews yet.[9]
Read Relm Insurance reviewsBerkshire Hathaway Specialty Insurance vs Relm Insurance Commercial Property Compared
Berkshire Hathaway Specialty Insurance vs Relm Insurance: Commercial Property Insurance: documented features by provider
| Criteria | Commercial property all-risk and selected single-peril/catastrophe offerings | Relm Commercial Property Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | Relm markets Commercial Property Insurance as a line brokers can place for clients, paired on the same page with its inland marine and business interruption products. 9Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. |
| Issuing Insurer | Confirm in your quote. | The reviewed page does not name a specific issuing insurer for commercial property placements. 9Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific. |
| 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. | Relm targets companies with costly, often specialized or custom-built physical assets, specifically naming cannabis cultivation, advanced manufacturing and aerospace as sectors traditional insurers may not adequately cover. 9Company-reported. Property page 'Who Needs Commercial Property Insurance?' section; not a guarantee of eligibility for a particular company. |
| 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. | Relm says commercial property covers buildings, machinery and equipment, inventory and furniture against losses from events like fire, theft, vandalism, storm damage and some types of water damage, written as either named-perils or open-perils/all-risk. 9Company-reported. Property page 'What is Commercial Property Insurance?' section; the issued policy and declarations control. Relm says the coverage excludes wear and tear, poor-maintenance damage, mold or contamination (addressed by separate environmental insurance), Acts of God such as flooding or earthquakes (needing separate policies in at-risk areas), war or terrorism, and intentional damage by employees. 9Company-reported. Property page 'What Does Commercial Property Insurance Not Cover?' section. |
| 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. |
| How to Apply | Confirm in your quote. | Relm sells commercial property coverage through insurance brokers; its reviewed pages do not describe a direct online quote. 9Company-reported. Property page framing; consistent with Relm's broader broker-distribution model. |
Related Pages for Berkshire Hathaway Specialty Insurance vs Relm Insurance
Commercial Property Pages for Berkshire Hathaway Specialty Insurance and Relm Insurance
Other Coverage Lines Compared for Berkshire Hathaway Specialty Insurance vs Relm Insurance
Other Commercial Property Insurance Provider Comparisons
Sources for Berkshire Hathaway Specialty Insurance vs Relm Insurance
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 Relm Insurance
- Relm Launches US MGA. Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
- Relm Launches AI Liability Solutions. Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
- Commercial Property and Inland Marine Insurance. Relm Insurance; What is Commercial Property Insurance?; Who Needs Commercial Property Insurance?; What Does Commercial Property Insurance Not Cover? 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.
