Berkshire Hathaway Specialty Insurance vs 
USI Insurance Services: How Do They Compare for 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. 1,2,3,4
What Is USI Insurance Services?
USI suits software and hardware companies from seed stage through IPO seeking consultative broker support; buyers wanting a self-serve quote should compare digital agencies. Insurer commissions are typical and contingent compensation may also apply. 7,8,9
Read the USI Insurance Services profile
Read the USI Insurance Services Commercial Property Insurance page
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. 11,12,13
Key Differences in Commercial Property Insurance
Portfolio appetite and broker risk work
Berkshire Hathaway Specialty Insurance identifies public entities, finance, healthcare, education, manufacturing, and retail among its target property portfolios. USI serves middle-market clients and separately describes a technology practice spanning software, hardware, networking, semiconductors, and communications. If your operation is technology-focused, USI’s stated segment coverage may shape the broker discussion; BHSI’s named sectors frame a direct portfolio submission. 5 10 8 6
USI says its property team uses analysts and risk-control specialists to assess exposures, while its technology practice treats property, business income, and contingent business income as distinct placement components. Berkshire Hathaway Specialty Insurance’s listed guide describes capacity and appetite, not a quote or guaranteed acceptance. Ask USI which carriers and terms it can access, and ask BHSI how its capacity applies to your scheduled values. 5 10 8 6
Technology property and insurer selection
USI’s property analysts and risk-control specialists work within a broker placement, so the carrier and final form depend on the market approached. Berkshire Hathaway Specialty Insurance’s figures are its own appetite guidance. Compare the carrier proposal USI brings back with BHSI’s actual offer rather than treating either broker resources or capacity statements as policy terms. 5
What to Confirm in Commercial Property Insurance Quotes
- Ask USI which insurer and policy form it proposes, and whether business income and contingent income are separately limited.
- Ask Berkshire Hathaway Specialty Insurance to confirm the applicable minimum premium, working layer, and selected peril availability for your risk.
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
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 reviewsUSI Insurance Services
Review Score
1 rated source
USI’s public feedback is too sparse and office-specific for a firmwide verdict. Check the local team’s responsiveness and experience with your type of business.[4][6][8]
Read USI Insurance Services reviewsOffering Details
Berkshire Hathaway Specialty Insurance vs USI Insurance Services: Commercial Property Insurance: documented features by provider
| Criteria | Commercial property all-risk and selected single-peril/catastrophe offerings | USI Commercial Property Brokerage |
|---|---|---|
| Role in This Line | Confirm in your quote. | USI is a broker for commercial property insurance. Its property & casualty team places property coverage for clients rather than underwriting it, and its Technology practice separately places property, business-income and contingent business-income coverage for technology clients. 10,8Company-reported. Property & Casualty and Technology practice pages. |
| Issuing Insurer | Confirm in your quote. | Neither page names the insurers USI uses for commercial property placements. 10Not publicly disclosed. Pages 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. 5Company-reported. Commercial property risks described by BHSI. Material limitation: Target-sector language is not a complete appetite guide or individual acceptance commitment. | USI's property & casualty team describes serving middle-market clients across many named industries (including construction, hospitality, real estate and manufacturing-adjacent sectors), while its Technology practice specifically serves software, hardware, networking, semiconductor and communications companies from early seed stage through IPO. 10,8Company-reported. Company description of client segments for each practice. |
| 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. | USI's Technology practice itemizes property, business income and contingent business income as distinct placement components; its broader property & casualty team lists "Property Coverage" among the risk exposures it advises on. 8,10Company-reported. Practice pages' coverage lists; actual insuring agreements, valuation basis and exclusions are set by the issued policy. |
| 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. | Neither page publishes property limit, deductible or valuation figures. 10Not publicly disclosed. Pages as read on 2026-09-23. |
| Risk Services | Confirm in your quote. | USI says its property & casualty resource team includes dedicated property analysts and risk control specialists who use its USI ONE analytics process to identify and target property risk exposures. 10Company-reported. Company description of team composition and process; outcomes are not independently verified. |
| How to Apply | Confirm in your quote. | USI directs commercial property inquiries to pcinquiries@usi.com or a local USI office. 10,8Company-reported. Contact instructions on the Property & Casualty and Technology pages. |
Full Comparison
More Berkshire Hathaway Specialty Insurance vs USI Insurance Services Comparisons
Other Commercial Property Insurance Comparisons
Sources
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.
USI Insurance Services
- The Power of ONE. USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
- Technology Insurance. USI Insurance Services; USI's Technology Practice provides risk management advisory and insurance placement for: Property, Business Income and Contingent Business Income... Accessed 2026-09-23.
- Commissions and Fees. USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
- P&C Insurance and Risk Consulting. USI Insurance Services; risk management and insurance advice on broad risk exposures such as...Property Coverage...; property analysts...risk control specialists... Accessed 2026-09-23.
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.
