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 Vouch Insurance?
Vouch suits startups and growing companies that want an online application, advisor-led carrier comparisons and contract-requirement reviews; buyers seeking direct insurer purchase or instant quotes should compare digital carriers. 7,8,9,10
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. 14,15,16
Key Differences in Commercial Property Insurance
Named property forms and a sector placement
Berkshire Hathaway Specialty Insurance lists all-risk property and selected earthquake, flood, and windstorm products. Vouch identifies Business Property among core coverages it places for healthcare and life-sciences clients, and names Corix as a partner offering property in a Commercial Package Policy. That makes program scope important: compare a direct property submission with the precise Corix package proposed for your company. 5 11 12 13
Vouch says Corix’s proprietary property products are issued by State National Insurance Company or United Specialty Insurance Company; that disclosure applies to Corix products, not every Vouch placement. Berkshire Hathaway Specialty Insurance names target sectors including healthcare and manufacturing. Buyers should verify the insurer on the actual quote and whether package components and limits match the locations and assets being insured. 5 11 12 13
Program scope and issuing insurer
Vouch’s healthcare and life-sciences focus and Corix package description are placement context, while Berkshire Hathaway Specialty Insurance states a broader set of target portfolio sectors. Have Vouch identify whether the proposal uses Corix and have both sides show the issuing insurer, scheduled property, and any package-level limits that apply. 5
What to Confirm in Commercial Property Insurance Quotes
- Ask Vouch whether your proposal uses the Corix Commercial Package Policy, which insurer will issue it, and how property limits coordinate with liability.
- Ask Berkshire Hathaway Specialty Insurance which selected perils and portfolio capacity are available for the scheduled healthcare or life-sciences locations.
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 reviewsVouch
Review Score
1 rated source
Vouch’s four Trustpilot reviews are too few to establish consistent service quality. Ask for references and clarify support after placement.[1][4][6]
Read Vouch reviewsOffering Details
Berkshire Hathaway Specialty Insurance vs Vouch: Commercial Property Insurance: documented features by provider
| Criteria | Commercial property all-risk and selected single-peril/catastrophe offerings | Vouch Business Property Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | Vouch is a broker, not an insurer, for commercial property. It lists Business Property among the core coverages it places for healthcare and life sciences clients, and one of its named program partners, Corix, sells commercial property bundled into a Commercial Package Policy. 11,12Company-reported. Vouch's Healthcare & Life Sciences page and Corix's Commercial Package Policy page. |
| Issuing Insurer | Confirm in your quote. | Corix's disclosures say its proprietary products, including commercial property under its Commercial Package Policy, are issued by State National Insurance Company or United Specialty Insurance Company. That names an insurer for Corix-branded products specifically, not for every Vouch property placement. 13Company-reported. Corix disclosures page. |
| 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. | Vouch markets business property coverage to healthcare and life sciences companies, saying it works with more than 550 companies in that segment from R&D through commercial launch. 11Company-reported. Vouch's Healthcare & Life Sciences page; not an underwriting appetite guarantee for any specific applicant. |
| 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. | Corix describes its Commercial Package Policy as bundling commercial property with general liability, hired/non-owned auto and employee-benefits liability into a single modular policy, saying this reduces coverage gaps and can adjust as a business grows in size and complexity. 12Company-reported. Corix's Commercial Package Policy page; 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 the Vouch nor Corix pages publish property limits, valuation basis or deductibles. 11,12Not publicly disclosed. Pages checked on 2026-09-23. |
| How to Apply | Confirm in your quote. | Corix's Commercial Package Policy page offers a downloadable application and directs brokers to start an appointment process; Vouch's own site routes prospective buyers to its online "Get Started" application flow. 12,11Company-reported. Corix product page and Vouch site navigation. |
Full Comparison
More Berkshire Hathaway Specialty Insurance vs Vouch 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.
Vouch
- Vouch Homepage. Vouch; Hero identifying Vouch as an insurance broker; Industries; Services; footer identifying Vouch Specialty and qualifying product availability. Accessed 2026-09-15.
- Start a Vouch Application. Vouch; Public first screen: legal business name, website/no-website option, address and location type, applicant role and contact fields, consent, and existing-customer sign-in. Accessed 2026-09-15.
- Carrier Options in One Place. Vouch; 26 November 2025: Choice Without the Chaos; Clarity That Builds Confidence; One Relationship, Many Solutions; final producer/underwriting disclosure. Accessed 2026-09-15.
- Contract Requirement Review. Vouch; Coverage that keeps your deals moving; Tailored to your contract; Effortless Experience (reviews and COIs). Accessed 2026-09-15.
- Insurance for Health & Life Science Companies. Vouch; Core coverages for Healthcare & Life Sciences: ...Business Property. Accessed 2026-09-23.
- Commercial Package Policy. Corix Insurance; Corix CPP coverage options include Commercial General Liability (CGL), Commercial Property (CP), Hired and Non-owned Auto (HNOA), and Employee Benefits Liability (EBL)...By combining these essential coverages, our CPP helps reduce coverage gaps and streamline policy administration. Accessed 2026-09-23.
- Legal Disclosures. Corix Insurance; Policies are issued by State National Insurance Company (NAIC# 12831) or United Specialty Insurance Company (NAIC#12537). 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.
