--- title: "Berkshire Hathaway Specialty Insurance vs Risklytics: Commercial Property Insurance" description: "Evidence hold: Risklytics’ location and lease descriptions have no corresponding BHSI claim in the selected published records." canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/commercial-property" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "berkshire-hathaway-specialty-insurance-vs-risklytics" provider-a: "berkshire-hathaway-specialty-insurance" provider-b: "risklytics" 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-risklytics/commercial-property) ## Agent Guide **What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and Risklytics 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 Risklytics. 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 Risklytics for Commercial Property Insurance: how do they differ? - Which is better for Commercial Property Insurance, Berkshire Hathaway Specialty Insurance or Risklytics? - What does Berkshire Hathaway Specialty Insurance or Risklytics 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 Risklytics? **Key facts:** - Line: Commercial Property Insurance. Providers: Berkshire Hathaway Specialty Insurance and Risklytics. - 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 Risklytics](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics) — 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) - [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile (evidence) - [Berkshire Hathaway Specialty Insurance vs Risklytics Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/cyber) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Risklytics D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/directors-officers) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Risklytics General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/general-liability) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Risklytics Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/inland-marine) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Risklytics Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/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 Risklytics Commercial Property Insurance](https://spot.insure/compare/aig-vs-risklytics/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 Risklytics Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/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 Risklytics Commercial Property Insurance](https://spot.insure/compare/aon-vs-risklytics/commercial-property) — sibling comparison (other line, or other pair for this line) # Berkshire Hathaway Specialty Insurance vs Risklytics: How Do They Compare for Commercial Property Insurance? Evidence hold: Risklytics’ location and lease descriptions have no corresponding BHSI claim in the selected published records. ## How to Use the Berkshire Hathaway Specialty Insurance vs Risklytics Commercial Property Insurance Comparison Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Risklytics 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 Risklytics Commercial Property Insurance Summary Risklytics describes on-premises property protection for leased offices or labs and routes equipment away from the premises to inland marine. BHSI lists all-risk and selected-peril US property, subject to state, risk and capacity; no second matched dimension is established. [5](https://www.bhspecialty.com/us-products/us-property/ "Property") [10](https://www.risklytics.ai/lines/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 Risklytics Insurance? Risklytics suits robotics, autonomy and AI businesses that want help preparing an application and checking Tech E&O wording for AI exclusions; standard small businesses should compare generalist agencies. California eligibility is not established in its public materials. [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") [8](https://www.risklytics.ai/ "Insurance for Frontier Tech") [9](https://www.risklytics.ai/terms/ "Terms of Service") [Risklytics profile](https://spot.insure/insurance-providers/risklytics) ## 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. [12](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [13](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop "Business Interruption Insurance/Businessowner’s Policies (BOP)") [14](https://www.tdi.texas.gov/pubs/consumer/cb021.html "Commercial property insurance guide") ## What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Risklytics Commercial Property Insurance? ### Evidence hold: location and property scope Risklytics describes repair of a leased office or lab and replacement of contents after on-premises damage or theft; it assigns equipment away from the premises to Equipment/Inland Marine. BHSI lists all-risk and selected single-peril property, not matching location boundaries or off-premises contents terms. The records do not support a detailed paired scope comparison. Risklytics says the issued policy and declarations control actual coverage, so its marketing example does not resolve the boundary for a specific location. [10](https://www.risklytics.ai/lines/property/ "Commercial Property Insurance") [5](https://www.bhspecialty.com/us-products/us-property/ "Property") ### Evidence hold: tenant criteria Risklytics says landlords commonly require coverage for improvements and contents under a tenant’s lease. BHSI’s selected eligibility claim names target sectors, not comparable landlord or tenant requirements. Do not substitute sector targeting for lease-specific eligibility. [10](https://www.risklytics.ai/lines/property/ "Commercial Property Insurance") [5](https://www.bhspecialty.com/us-products/us-property/ "Property") ## What Should You Confirm in Berkshire Hathaway Specialty Insurance and Risklytics Commercial Property Insurance Quotes? - Which on-premises contents and off-site equipment terms appear in Risklytics’ form? [10](https://www.risklytics.ai/lines/property/ "Commercial Property Insurance") - Which BHSI source addresses leased-office or tenant-property criteria? [5](https://www.bhspecialty.com/us-products/us-property/ "Property") Evidence status: HOLD — no second matched affirmative dimension is documented. ## Berkshire Hathaway Specialty Insurance vs Risklytics Commercial Property Compared | Criteria | Commercial property all-risk and selected single-peril/catastrophe offerings | Risklytics Commercial Property Insurance | | --- | --- | --- | | Role in This Line | Confirm in your quote. | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Commercial Property Insurance with outside carriers; it says it does not underwrite policies itself. [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: About page; describes Risklytics' brokerage model generally, restated for this line..) | | Issuing Insurer | Confirm in your quote. | Risklytics does not name the carrier that underwrites Risklytics Commercial Property Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. [10](https://www.risklytics.ai/lines/property/ "Commercial Property Insurance") [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Lines page and about page; no specific insurer is published for this line..) | | 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..) | Risklytics says landlords usually require this coverage on a first lease with meaningful contents, and that a tenant's lease commonly requires coverage for improvements and contents since the landlord's own policy only covers the building. [10](https://www.risklytics.ai/lines/property/ "Commercial Property Insurance") (Evidence: Company-reported; scope: Lines page..) | | 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..) | Risklytics describes Commercial Property as paying to repair a leased office or lab and replace its contents after damage or theft on premises, such as a burst pipe soaking test rigs or a break-in emptying a workshop, and says it does not follow equipment once it leaves the premises (that is Equipment/Inland Marine). [10](https://www.risklytics.ai/lines/property/ "Commercial Property Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) | | 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..) | Risklytics does not publish a typical dollar limit for this line; it says the typical ask is enough coverage to replace what is in the insured space. [10](https://www.risklytics.ai/lines/property/ "Commercial Property Insurance") (Evidence: Not publicly disclosed; scope: Lines page, checked 2026-09-23..) | | Risk Services | Confirm in your quote. | Risklytics calls commercial property the most standardized, easy-to-get policy it places. [10](https://www.risklytics.ai/lines/property/ "Commercial Property Insurance") (Evidence: Company-reported; scope: Lines page..) | | How to Apply | Confirm in your quote. | You start Risklytics Commercial Property Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. [11](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [7](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Pricing page describes the general application and fee process, not a line-specific form..) | ## Related Pages for Berkshire Hathaway Specialty Insurance vs Risklytics - [Berkshire Hathaway Specialty Insurance vs Risklytics](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics): 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 Risklytics Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/cyber) - [Berkshire Hathaway Specialty Insurance vs Risklytics D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/directors-officers) - [Berkshire Hathaway Specialty Insurance vs Risklytics General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/general-liability) - [Berkshire Hathaway Specialty Insurance vs Risklytics Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/inland-marine) - [Berkshire Hathaway Specialty Insurance vs Risklytics Tech E&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/technology-errors-omissions) - [Berkshire Hathaway Specialty Insurance vs Risklytics Umbrella and Excess Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/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 Risklytics Commercial Property Insurance](https://spot.insure/compare/aig-vs-risklytics/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 Risklytics Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/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 Risklytics Commercial Property Insurance](https://spot.insure/compare/aon-vs-risklytics/commercial-property) ## Sources for Berkshire Hathaway Specialty Insurance vs Risklytics ### 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 Risklytics 7. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23. 8. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16. 9. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16. 10. [Commercial Property Insurance](https://www.risklytics.ai/lines/property/). Risklytics; Coverage line: Commercial Property; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23. 11. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23. ### Sources for the Commercial Property Insurance Guide 12. [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. 13. [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. 14. [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). ## Risklytics Review Scores for 2026 Review Score: not enough ratings. Risklytics has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/risklytics/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-risklytics/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)