--- title: "Berkshire Hathaway Specialty Insurance vs WithCoverage: Builders Risk Insurance" description: "BHSI is a carrier with published builders risk forms; WithCoverage is a broker that audits a construction program and builds coverage for project risks." canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-withcoverage/builders-risk" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "berkshire-hathaway-specialty-insurance-vs-withcoverage" provider-a: "berkshire-hathaway-specialty-insurance" provider-b: "withcoverage" coverage-line: "builders-risk" --- 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-withcoverage/builders-risk) ## Agent Guide **What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and WithCoverage for Builders Risk 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 Builders Risk Insurance questions about Berkshire Hathaway Specialty Insurance versus WithCoverage. 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 WithCoverage for Builders Risk Insurance: how do they differ? - Which is better for Builders Risk Insurance, Berkshire Hathaway Specialty Insurance or WithCoverage? - What does Berkshire Hathaway Specialty Insurance or WithCoverage publish about Builders Risk Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Builders Risk Insurance from Berkshire Hathaway Specialty Insurance or WithCoverage? **Key facts:** - Line: Builders Risk Insurance. Providers: Berkshire Hathaway Specialty Insurance and WithCoverage. - 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 WithCoverage](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-withcoverage) — parent: all coverage lines for this pair - [Builders Risk Insurance guide](https://spot.insure/coverage/builders-risk) — coverage explainer for this line - [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) — provider profile (evidence) - [WithCoverage profile](https://spot.insure/insurance-providers/withcoverage) — provider profile (evidence) - [Berkshire Hathaway Specialty Insurance vs WithCoverage Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-withcoverage/commercial-property) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs WithCoverage General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-withcoverage/general-liability) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs WithCoverage Product Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-withcoverage/product-liability) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs WithCoverage Umbrella and Excess Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-withcoverage/umbrella-excess) — sibling comparison (other line, or other pair for this line) - [AIG vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/builders-risk) — sibling comparison (other line, or other pair for this line) - [AIG vs WithCoverage Builders Risk Insurance](https://spot.insure/compare/aig-vs-withcoverage/builders-risk) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/builders-risk) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs WithCoverage Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-withcoverage/builders-risk) — sibling comparison (other line, or other pair for this line) - [Aon vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/builders-risk) — sibling comparison (other line, or other pair for this line) - [Aon vs WithCoverage Builders Risk Insurance](https://spot.insure/compare/aon-vs-withcoverage/builders-risk) — sibling comparison (other line, or other pair for this line) # Berkshire Hathaway Specialty Insurance vs WithCoverage: How Do They Compare for Builders Risk Insurance? BHSI is a carrier with published builders risk forms; WithCoverage is a broker that audits a construction program and builds coverage for project risks. ## How to Use the Berkshire Hathaway Specialty Insurance vs WithCoverage Builders Risk Insurance Comparison Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and WithCoverage for Builders Risk 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 WithCoverage Builders Risk Insurance Summary BHSI lists its own Builder's Risk Form and manuscript options, while WithCoverage is a broker that does not underwrite and does not name the insurers it uses for builders risk. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Builders-Risk-Appetite-Guide-US.pdf "Builder’s Risk Appetite Guide") [10](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [12](https://www.withcoverage.com/legal/terms "Terms & Conditions") ## 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 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](https://www.withcoverage.com/ "Commercial Insurance & Risk Management") [8](https://www.withcoverage.com/company "About WithCoverage") [9](https://www.withcoverage.com/announcement "WithCoverage Raises $42M Series B") [WithCoverage profile](https://spot.insure/insurance-providers/withcoverage) ## 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](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [14](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [15](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf "Builders Risk Coverage Form") [16](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf "Builders Risk Application Tip Sheet") ## 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](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk"). WithCoverage does not underwrite builders risk; it reviews the exposure inside a wider construction insurance-program audit and places or transitions the coverage [10](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management"). 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](https://www.withcoverage.com/legal/terms "Terms & Conditions"). ### How you start WithCoverage describes a no-cost program audit that does not require leaving your current broker [11](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers"). BHSI says underwriting may ask for a project description and construction schedule among other details [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Builders-Risk-Appetite-Guide-US.pdf "Builder’s Risk Appetite Guide"), 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? - Ask WithCoverage which insurer would issue your policy and on what form [12](https://www.withcoverage.com/legal/terms "Terms & Conditions"). - Ask whether BHSI's delay and soft-cost features are included or priced separately [5](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk"). ## Berkshire Hathaway Specialty Insurance vs WithCoverage Builders Risk Compared | 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. [5](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk") (Evidence: Company-reported; scope: 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](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [12](https://www.withcoverage.com/legal/terms "Terms & Conditions") (Evidence: Company-reported; scope: 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](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [12](https://www.withcoverage.com/legal/terms "Terms & Conditions") (Evidence: Not found in reviewed sources; scope: 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. [5](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk") (Evidence: Company-reported; scope: 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](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [11](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers") (Evidence: Company-reported; scope: 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. [5](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk") (Evidence: Company-reported; scope: 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. [5](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk") (Evidence: Company-reported; scope: 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. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Builders-Risk-Appetite-Guide-US.pdf "Builder’s Risk Appetite Guide") (Evidence: Company-reported; scope: 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. [11](https://www.withcoverage.com/risk-advisors "Commercial Risk Advisor Careers") (Evidence: Company-reported; scope: 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. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Builders-Risk-Appetite-Guide-US.pdf "Builder’s Risk Appetite Guide") (Evidence: Company-reported; scope: 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. [10](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") (Evidence: Company-reported; scope: 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 - [Berkshire Hathaway Specialty Insurance vs WithCoverage](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-withcoverage): all coverage lines, business roles, service and claims. - [What Is Builders Risk Insurance?](https://spot.insure/coverage/builders-risk): Builders risk insures a building and its materials against physical loss while it is under construction, but stored or in-transit materials, the existing structure in a renovation, and early occupancy can fall outside it. - [Berkshire Hathaway Specialty Insurance vs WithCoverage Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-withcoverage/commercial-property) - [Berkshire Hathaway Specialty Insurance vs WithCoverage General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-withcoverage/general-liability) - [Berkshire Hathaway Specialty Insurance vs WithCoverage Product Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-withcoverage/product-liability) - [Berkshire Hathaway Specialty Insurance vs WithCoverage Umbrella and Excess Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-withcoverage/umbrella-excess) - [AIG vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/builders-risk) - [AIG vs WithCoverage Builders Risk Insurance](https://spot.insure/compare/aig-vs-withcoverage/builders-risk) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/builders-risk) - [Alliance Risk vs WithCoverage Builders Risk Insurance](https://spot.insure/compare/alliance-risk-vs-withcoverage/builders-risk) - [Aon vs Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/builders-risk) - [Aon vs WithCoverage Builders Risk Insurance](https://spot.insure/compare/aon-vs-withcoverage/builders-risk) ## Sources for Berkshire Hathaway Specialty Insurance vs WithCoverage ### 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. [Builder’s Risk](https://www.bhspecialty.com/us-products/us-builders-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. 6. [Builder’s Risk Appetite Guide](https://www.bhspecialty.com/wp-content/uploads/marketing/Builders-Risk-Appetite-Guide-US.pdf). 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 7. [Commercial Insurance & Risk Management](https://www.withcoverage.com/). WithCoverage; Industry navigation; Your Risk Management Team; AI Analyzes; One Digital Platform tabs and policy-management showcase. Accessed 2026-09-15. 8. [About WithCoverage](https://www.withcoverage.com/company). WithCoverage; Opening description of risk management for businesses without an in-house team. Accessed 2026-09-15. 9. [WithCoverage Raises $42M Series B](https://www.withcoverage.com/announcement). WithCoverage; Founders’ letter: WithCoverage fixes this in 3 key ways; complimentary risk assessment. Accessed 2026-09-15. 10. [Construction Insurance & Risk Management](https://www.withcoverage.com/industries/construction). 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. 11. [Commercial Risk Advisor Careers](https://www.withcoverage.com/risk-advisors). 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. 12. [Terms & Conditions](https://www.withcoverage.com/legal/terms). 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 13. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Builders’ Risk Policies; Ocean Marine; Auto Physical Damage; All-Risk. Accessed 2026-09-16. 14. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Property; Inland Marine; What Should I Expect from a Broker-Agent. Accessed 2026-09-16. 15. [Builders Risk Coverage Form](https://assets.touchpointmarkets.com/e8/58/dec27c1b462c8227b4693fb8ac81/ih-00-70-05-17-builders-risk-coverage-form.pdf). 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. 16. [Builders Risk Application Tip Sheet](https://go.usassure.com/rs/381-ISO-510/images/us-assure-builders-risk-application-tip-sheet.pdf). US Assure; General policy application tips p.1; Remodeling tips p.2. 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 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). ## WithCoverage Review Scores for 2026 Review Score: not enough ratings. 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. - FeaturedCustomers: Customer reference rating 4.8 (out of 5); 299 reviews. Vendor-supplied customer references on a testimonial-marketing site; not an open consumer review platform. Checked 2026-09-29. [WithCoverage customer reviews and references](https://www.featuredcustomers.com/vendor/withcoverage) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/withcoverage/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-withcoverage/builders-risk.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)