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
Read the Berkshire Hathaway Specialty Insurance profile
Read the Berkshire Hathaway Specialty Insurance Builders Risk Insurance page
What Is WithCoverage?
WithCoverage suits growing businesses that want a policy audit without first changing brokers, followed by ongoing risk-manager support; firms seeking instant self-service should compare digital agencies. Its review compares coverage, limits and premiums with market benchmarks. 7,8,9
What Is Builders Risk Insurance?
Builders risk protects the project you are building, including materials meant for it, against physical loss until construction ends. The gaps that cost owners money are materials in storage or transit, the existing building in a renovation, and coverage ending when you occupy early. 13,14,15,16
What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and WithCoverage Builders Risk Insurance?
Carrier form versus broker placement
BHSI lists its Builder's Risk Form, follow-form quota-share or excess forms and broker manuscript forms 5. WithCoverage does not underwrite builders risk; it reviews the exposure inside a wider construction insurance-program audit and places or transitions the coverage 10. The two sit at different points in the buying chain, so a quote from one is not a like-for-like substitute for a form from the other.
Who the insurer is
For BHSI the form comes from the carrier that publishes it. The reviewed WithCoverage pages do not name the insurers behind its builders risk placements and say policy obligations rest with whichever insurer issues the policy 12.
How you start
WithCoverage describes a no-cost program audit that does not require leaving your current broker 11. BHSI says underwriting may ask for a project description and construction schedule among other details 6, so you would typically come to it through a broker.
What Should You Confirm in Berkshire Hathaway Specialty Insurance and WithCoverage Builders Risk Insurance Quotes?
Berkshire Hathaway Specialty Insurance and WithCoverage 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
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 reviewsWithCoverage Review Score
Review Score
No reviews found
We found no independent rating for WithCoverage, so there is no Review Score. Its only rating is a 4.8 out of 5 from 299 references that the company itself curates.[9][10]
Read WithCoverage reviewsBerkshire Hathaway Specialty Insurance vs WithCoverage Builders Risk Compared
Berkshire Hathaway Specialty Insurance vs WithCoverage: Builders Risk Insurance: documented features by provider
| Criteria | Builder’s Risk | WithCoverage Builders Risk Program Review (Construction) |
|---|---|---|
| Role in This Line | BHSI describes primary and excess options for its Builder’s Risk products, along with single-peril and difference-in-conditions choices. 5Company-reported. These are marketed placement options, not a commitment to provide any layer or a statement about how a specific project is insured. | WithCoverage is a broker; it does not underwrite builders risk policies. It reviews builders risk exposure as part of a broader construction insurance-program audit and can place or transition the coverage on a client's behalf. 10,12Company-reported. Construction industry page hero and FAQ; company describes itself as reviewing and placing coverage, not bearing the risk. |
| Issuing Insurer | Confirm in your quote. | The reviewed pages do not name which insurer or insurers WithCoverage places builders risk coverage with; the terms say policy obligations are the responsibility of the issuing insurance company, whoever that is for a given account. 10,12Not found in reviewed sources. Construction page and terms as read on 2026-09-23. |
| Who It’s For | BHSI separates its EAR and CAR target categories; it says Master Builder’s Risk is considered selectively. 5Company-reported. The published target categories guide submission discussions; they do not guarantee eligibility or acceptance. | WithCoverage's construction practice serves contractors and developers with active construction programs, including general contractors, trade contractors and developers. 10,11Company-reported. Construction industry page and risk-advisors Vin spotlight. |
| Coverage Features | BHSI describes Builder’s Risk as project property coverage and lists hot testing/commissioning, delay and soft-cost features. 5Company-reported. U.S. product-page marketing summary; does not establish that each extension is included in every project policy. The page describes primary and excess placements and single-peril or difference-in-conditions options alongside its all-risk product description. 5Company-reported. These are marketed options, not a statement that a particular quote includes them. BHSI lists its Builder’s Risk Form, follow-form quota-share or excess forms, and broker manuscript forms as options. 6Company-reported. A form being listed does not establish that it will be used for a project or what its final terms contain. | Confirm in your quote. |
| Risk Services | Confirm in your quote. | WithCoverage says it builds coverage for project risks that it says off-the-shelf builders risk forms miss, working directly with construction clients rather than offering a standard packaged form. 11Company-reported. Risk-advisors Vin spotlight; company description of its practice approach, not a specific completed engagement. |
| How to Apply | BHSI says underwriting may request coverage specifications, a project description, contractor loss experience and a construction schedule, among other project details. 6Company-reported. The guide gives examples rather than a universal or complete checklist; requirements depend on the submission. | WithCoverage says a construction program audit, which it lists as covering General Liability, Product Liability, Workers' Comp, Property and umbrella alongside Builder's Risk in the page hero, is offered at no cost and without requiring a client to leave its current broker, typically completed in about one business day after receiving policy documents. 10Company-reported. Construction page FAQ; the itemized audit-scope answer does not repeat "Builder's Risk" by name even though the page hero does. |
Related Pages for Berkshire Hathaway Specialty Insurance vs WithCoverage
Builders Risk Pages for Berkshire Hathaway Specialty Insurance and WithCoverage
Other Coverage Lines Compared for Berkshire Hathaway Specialty Insurance vs WithCoverage
Other Builders Risk Insurance Provider Comparisons
Sources for Berkshire Hathaway Specialty Insurance vs WithCoverage
Sources About 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.
- Builder’s Risk. Berkshire Hathaway Specialty Insurance; Retained canonical source record locator: current U.S. product page, lines 6–35: all-risk project coverage, hot testing/commissioning, delay/startup/soft costs, single-peril/DIC primary/excess, EAR/CAR target categories and selectively considered Master Builder’s Risk. Prior actual access 2026-09-28; direct re-open failed in this session. Accessed 2026-09-28.
- Builder’s Risk Appetite Guide. Berkshire Hathaway Specialty Insurance; U.S. guide pp. 1–2: marketed coverage/participation and targeted classes, lines 0–35; listed BHSI, follow-form and broker-manuscript policy forms, plus example submission information, lines 39–53; dated 2026-01-30 A; all coverage remains subject to the actual policy, lines 63–65. Accessed 2026-09-30.
Sources About WithCoverage
- Commercial Insurance & Risk Management. WithCoverage; Industry navigation; Your Risk Management Team; AI Analyzes; One Digital Platform tabs and policy-management showcase. Accessed 2026-09-15.
- About WithCoverage. WithCoverage; Opening description of risk management for businesses without an in-house team. Accessed 2026-09-15.
- WithCoverage Raises $42M Series B. WithCoverage; Founders’ letter: WithCoverage fixes this in 3 key ways; complimentary risk assessment. Accessed 2026-09-15.
- Construction Insurance & Risk Management. WithCoverage; Hero: "One gap in GL, Builder's Risk, or Workers' Comp can wipe out a year of project profit"; Lonnie Lischka Company testimonial; Have Questions? program-audit FAQ listing General Liability, Product Liability, Workers' Comp, Property, umbrella. Accessed 2026-09-23.
- Commercial Risk Advisor Careers. WithCoverage; Vin spotlight: "Building tailored insurance programs for General Contractors, Trade Contractors, and Developers covering the project risks that off-the-shelf forms miss"; Carrier network section. Accessed 2026-09-23.
- Terms & Conditions. WithCoverage; Section 8 Insurance Products: coverage subject to underwriting, carrier terms and policy documents; policy obligations rest with the issuing insurer. Accessed 2026-09-23.
Sources for the Builders Risk Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16.
- Builders Risk Coverage Form. Insurance Services Office, Inc.; hosted by Touchpoint Markets; A.1–3 p.1; B.3.c p.11; C,D,E p.12. Accessed 2026-09-16.
- Builders Risk Application Tip Sheet. US Assure; General policy application tips p.1; Remodeling tips p.2. Accessed 2026-09-16.
