---
title: "Berkshire Hathaway Specialty Insurance vs TechInsurance: Commercial Property Insurance"
description: "Berkshire Hathaway Specialty Insurance lists all-risk and selected-peril property for commercial portfolios; TechInsurance explains property options for buildings, business equipment, and home-office gear."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-techinsurance/commercial-property"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-techinsurance"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "techinsurance"
coverage-line: "commercial-property"
---

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

## Agent Guide

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

**Key facts:**
- Line: Commercial Property Insurance. Providers: Berkshire Hathaway Specialty Insurance and TechInsurance.
- 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 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Berkshire Hathaway Specialty Insurance vs TechInsurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-techinsurance) — 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)
- [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile (evidence)
- [Berkshire Hathaway Specialty Insurance vs TechInsurance Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-techinsurance/cyber) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs TechInsurance D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-techinsurance/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-techinsurance/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs TechInsurance General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-techinsurance/general-liability) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs TechInsurance Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-techinsurance/inland-marine) — 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 TechInsurance Commercial Property Insurance](https://spot.insure/compare/aig-vs-techinsurance/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/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 TechInsurance Commercial Property Insurance](https://spot.insure/compare/aon-vs-techinsurance/commercial-property) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Berkshire Hathaway Specialty Insurance Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-berkshire-hathaway-specialty-insurance/commercial-property) — sibling comparison (other line, or other pair for this line)

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

Berkshire Hathaway Specialty Insurance lists all-risk and selected-peril property for commercial portfolios; TechInsurance explains property options for buildings, business equipment, and home-office gear.

## Research Scope and Use

Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and TechInsurance 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.

## Summary

Berkshire Hathaway Specialty Insurance lists all-risk and selected-peril offerings, while TechInsurance describes replacement-cost and actual-cash-value settlement choices and common property exclusions. [5](https://www.bhspecialty.com/us-products/us-property/ "Property") [10](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online")

## 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 TechInsurance?

TechInsurance fits freelancers and small software, SaaS and IT firms that want to compare several insurers' quotes from one application, with agent help and a tech E&O plus cyber bundle. Growth-stage companies needing a managed renewal program or firm quote deadlines should look at specialist brokers. [7](https://www.techinsurance.com/about-us "About TechInsurance") [8](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") [9](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## 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")

## Key Differences in Commercial Property Insurance

### Portfolio forms and settlement basis

Berkshire Hathaway Specialty Insurance lists all-risk commercial property alongside separate earthquake, flood, and windstorm offerings. TechInsurance describes coverage for buildings and equipment, with settlement on either an actual-cash-value basis (depreciated value) or replacement cost (new equivalent items). For a buyer, the choice affects what an equipment loss may pay; compare the proposed valuation basis with the schedule. [5](https://www.bhspecialty.com/us-products/us-property/ "Property") [10](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online")

TechInsurance says goods in transit or at other worksites generally need inland marine coverage, while mechanical or electrical breakdown needs an endorsement. Berkshire Hathaway Specialty Insurance lists selected single-peril products separately from its all-risk offering. Ask whether the locations and causes of loss you rely on are addressed by the quoted form or require a separate policy or endorsement. [5](https://www.bhspecialty.com/us-products/us-property/ "Property") [10](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online")

### Perils and property beyond the premises

For TechInsurance, ask for the settlement basis and separate protection for equipment away from the premises; its guide distinguishes replacement cost from depreciated-value actual cash value. Berkshire Hathaway Specialty Insurance’s all-risk label also needs policy wording beside it, particularly where a separate flood, earthquake, or windstorm option may apply. [5](https://www.bhspecialty.com/us-products/us-property/ "Property")

## What to Confirm in Commercial Property Insurance Quotes

- Ask TechInsurance whether equipment away from the insured premises needs inland marine coverage and how breakdown protection is added.
- Ask Berkshire Hathaway Specialty Insurance which selected-peril forms are available for your locations and how they coordinate with the all-risk quote.

## Offering Details

| Criteria | Commercial property all-risk and selected single-peril/catastrophe offerings | TechInsurance Commercial Property Insurance |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | TechInsurance arranges commercial property insurance, also called business hazard insurance, for businesses that own or rent commercial space, or that keep valuable equipment at a home office. [10](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online") (Evidence: Company-reported; scope: Commercial property product page..) |
| Issuing Insurer | Confirm in your quote. | The reviewed page does not name the issuing insurer for a commercial property policy. [10](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online") (Evidence: Not publicly disclosed; scope: Commercial property product page as read on 2026-09-23..) |
| Who It’s For | BHSI targets property portfolios in sectors including public entities, finance, healthcare, education, manufacturing and retail. [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..) | Confirm in your quote. |
| 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..) | TechInsurance says commercial property insurance covers theft of equipment, damage to company-owned buildings, weather-related and accidental damage, and vandalism, and can be written as actual cash value (cheaper, pays depreciated value) or replacement cost (more expensive, pays to replace with new equivalent items). [10](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online") (Evidence: Company-reported; scope: Commercial property product page; general policy description, not a specific policy form..)<br><br>TechInsurance says commercial property insurance generally excludes extreme weather events like earthquakes, hurricanes and floods, goods in transit or at other worksites (which need inland marine insurance instead), and equipment breakdown from mechanical or electrical failure (which needs an endorsement). [10](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online") (Evidence: Company-reported; scope: Commercial property product page, What isn't covered 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..) | TechInsurance says its commercial property policyholders pay a median of $108 per month, or about $1,301 a year, with the exact premium depending on location, coverage limits and deductible, security systems, equipment value, and building size, construction and age. [10](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online") (Evidence: Company-reported; scope: Commercial property product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table..) |
| How to Apply | Confirm in your quote. | You request commercial property quotes online through a short application; TechInsurance says licensed agents are available to help, and a certificate of insurance is typically available the same day you buy coverage. [10](https://www.techinsurance.com/commercial-property-insurance "Commercial Property Insurance Quotes Online") (Evidence: Company-reported; scope: Commercial property product page..) |

## Full Comparison

- [Berkshire Hathaway Specialty Insurance vs TechInsurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-techinsurance): 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 TechInsurance Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-techinsurance/cyber)
- [Berkshire Hathaway Specialty Insurance vs TechInsurance D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-techinsurance/directors-officers)
- [Berkshire Hathaway Specialty Insurance vs TechInsurance Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-techinsurance/employment-practices)
- [Berkshire Hathaway Specialty Insurance vs TechInsurance General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-techinsurance/general-liability)
- [Berkshire Hathaway Specialty Insurance vs TechInsurance Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-techinsurance/inland-marine)
- [AIG vs Berkshire Hathaway Specialty Insurance Commercial Property Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/commercial-property)
- [AIG vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/aig-vs-techinsurance/commercial-property)
- [Alliance Risk vs TechInsurance Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/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 TechInsurance Commercial Property Insurance](https://spot.insure/compare/aon-vs-techinsurance/commercial-property)
- [The Baldwin Group vs Berkshire Hathaway Specialty Insurance Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-berkshire-hathaway-specialty-insurance/commercial-property)

## Sources

### 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.

### TechInsurance

7. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
8. [Technology Errors and Omissions – Tech E&O Insurance](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage). TechInsurance; Tech E&O insurance includes two policies; quotation form; Technology professionals we insure. Accessed 2026-09-16.
9. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
10. [Commercial Property Insurance Quotes Online](https://www.techinsurance.com/commercial-property-insurance). TechInsurance; What is covered under commercial property insurance? (theft, company-owned buildings, weather damage, accidental damage, vandalism); How much does commercial property insurance cost?; What isn't covered by commercial property insurance?; How does property insurance coverage work? (actual cash value vs. replacement cost). Accessed 2026-09-23.

### 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 2026-09-30. 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 Reviews

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).

## TechInsurance Reviews

Review Score: 9.1 / 10 from 2 rated sources, equally weighted.

TechInsurance’s available ratings are favorable, with praise for broker guidance. The feedback supports its shopping service more than any particular insurer’s claims handling.

- Trustpilot: Trustpilot TrustScore 4.4 (5 stars); 311 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for TechInsurance](https://uk.trustpilot.com/review/techinsurance.com)
- ConsumerAffairs: ConsumerAffairs consumer rating 4.7 (5 stars); 25 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-08-14; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for TechInsurance](https://www.consumeraffairs.com/insurance/techinsurance.html)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/techinsurance/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-techinsurance/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)