---
title: "Berkshire Hathaway Specialty Insurance vs Relm Insurance: Commercial Property Insurance"
description: "Relm identifies flood and earthquake among excluded property causes needing separate policies in at-risk areas; Berkshire Hathaway Specialty Insurance lists selected flood and earthquake offerings."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/commercial-property"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-relm"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "relm"
coverage-line: "commercial-property"
---

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[Human-readable page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/commercial-property)

## Agent Guide

**What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and Relm Insurance 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 Relm Insurance. 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 Relm Insurance for Commercial Property Insurance: how do they differ?
- Which is better for Commercial Property Insurance, Berkshire Hathaway Specialty Insurance or Relm Insurance?
- What does Berkshire Hathaway Specialty Insurance or Relm Insurance 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 Relm Insurance?

**Key facts:**
- Line: Commercial Property Insurance. Providers: Berkshire Hathaway Specialty Insurance and Relm Insurance.
- 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 Relm Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm) — 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)
- [Relm Insurance profile](https://spot.insure/insurance-providers/relm) — provider profile (evidence)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/crime) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/cyber) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/general-liability) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance Media Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/media) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance Product Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/product-liability) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/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 Relm Insurance Commercial Property Insurance](https://spot.insure/compare/aig-vs-relm/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 Relm Insurance Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-relm/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 Relm Insurance Commercial Property Insurance](https://spot.insure/compare/aon-vs-relm/commercial-property) — sibling comparison (other line, or other pair for this line)

# Berkshire Hathaway Specialty Insurance vs Relm Insurance: How Do They Compare for Commercial Property Insurance?

Relm identifies flood and earthquake among excluded property causes needing separate policies in at-risk areas; Berkshire Hathaway Specialty Insurance lists selected flood and earthquake offerings.

## How to Use the Berkshire Hathaway Specialty Insurance vs Relm Insurance Commercial Property Insurance Comparison

Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Relm Insurance 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 Relm Insurance Commercial Property Insurance Summary

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](https://www.bhspecialty.com/us-products/us-property/ "Property") [9](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine 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 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](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [8](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions")

[Relm Insurance profile](https://spot.insure/insurance-providers/relm)

## 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 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](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance") [5](https://www.bhspecialty.com/us-products/us-property/ "Property")

### 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](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance") [5](https://www.bhspecialty.com/us-products/us-property/ "Property")

### 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](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance")  [5](https://www.bhspecialty.com/us-products/us-property/ "Property")

## What Should You Confirm in Berkshire Hathaway Specialty Insurance and Relm Insurance Commercial Property Insurance Quotes?

- Which Relm exclusions require separate placements, and what limits and deductibles apply? [9](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance")
- Does BHSI consider this occupancy and custom-built asset schedule, and what catastrophe share is offered? [5](https://www.bhspecialty.com/us-products/us-property/ "Property")
- What named-peril or open-peril form and exclusions govern each quote? [9](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance")

## Berkshire Hathaway Specialty Insurance vs Relm Insurance Commercial Property Compared

| 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. [9](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance") (Evidence: Company-reported; scope: 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. [9](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance") (Evidence: Not publicly disclosed; scope: 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. [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..) | 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. [9](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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. [9](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance") (Evidence: Company-reported; scope: Property page 'What is Commercial Property Insurance?' section; the issued policy and declarations control..)<br><br>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. [9](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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. [9](https://relminsurance.com/lines-of-business/commercial-property-and-inland-marine-insurance/ "Commercial Property and Inland Marine Insurance") (Evidence: Company-reported; scope: Property page framing; consistent with Relm's broader broker-distribution model..) |

## Related Pages for Berkshire Hathaway Specialty Insurance vs Relm Insurance

- [Berkshire Hathaway Specialty Insurance vs Relm Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm): 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 Relm Insurance Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/crime)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/cyber)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/directors-officers)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/employment-practices)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/fiduciary)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/general-liability)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/inland-marine)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance Media Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/media)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance Product Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/product-liability)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/professional-errors-omissions)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/technology-errors-omissions)
- [Berkshire Hathaway Specialty Insurance vs Relm Insurance Umbrella and Excess Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/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 Relm Insurance Commercial Property Insurance](https://spot.insure/compare/aig-vs-relm/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 Relm Insurance Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-relm/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 Relm Insurance Commercial Property Insurance](https://spot.insure/compare/aon-vs-relm/commercial-property)

## Sources for Berkshire Hathaway Specialty Insurance vs Relm Insurance

### 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 Relm Insurance

7. [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/). Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
8. [Relm Launches AI Liability Solutions](https://relminsurance.com/relm-insurance-launches-ai-suite/). Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
9. [Commercial Property and Inland Marine Insurance](https://relminsurance.com/lines-of-business/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

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).

## Relm Insurance Review Scores for 2026

Review Score: not enough ratings.

We couldn't find any public customer reviews or ratings for Relm Insurance. Its Trustpilot page exists but has no reviews yet.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/relm/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-relm/commercial-property.md)
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