--- title: "Berkshire Hathaway Specialty Insurance vs WithCoverage: Commercial Property Insurance" description: "Berkshire Hathaway Specialty Insurance publishes portfolio capacity guidance; WithCoverage offers a property-inclusive program audit and describes a broker placement role." canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-withcoverage/commercial-property" 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: "commercial-property" --- 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/commercial-property) ## Agent Guide **What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and WithCoverage 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 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 Commercial Property Insurance: how do they differ? - Which is better for Commercial Property Insurance, Berkshire Hathaway Specialty Insurance or WithCoverage? - What does Berkshire Hathaway Specialty Insurance or WithCoverage 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 WithCoverage? **Key facts:** - Line: Commercial Property 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 - [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) - [WithCoverage profile](https://spot.insure/insurance-providers/withcoverage) — provider profile (evidence) - [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) - [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 WithCoverage Commercial Property Insurance](https://spot.insure/compare/aig-vs-withcoverage/commercial-property) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs WithCoverage Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-withcoverage/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 WithCoverage Commercial Property Insurance](https://spot.insure/compare/aon-vs-withcoverage/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 WithCoverage: How Do They Compare for Commercial Property Insurance? Berkshire Hathaway Specialty Insurance publishes portfolio capacity guidance; WithCoverage offers a property-inclusive program audit and describes a broker placement role. ## Research Scope and Use Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and WithCoverage 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 publishes working-layer capacity guidance, while WithCoverage reviews existing property policies as part of a broader insurance program audit. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf "General Property Appetite Guide") [10](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [11](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management") ## 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 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. [13](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [14](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop "Business Interruption Insurance/Businessowner’s Policies (BOP)") [15](https://www.tdi.texas.gov/pubs/consumer/cb021.html "Commercial property insurance guide") ## Key Differences in Commercial Property Insurance ### Capacity submission or current-program review Berkshire Hathaway Specialty Insurance’s appetite guide lists a $100 million working layer and a $100,000 minimum premium for its share per policy; neither figure is the insured limit or a quote. WithCoverage, by contrast, says it reviews property line by line as part of an insurance-program audit and does not underwrite coverage. One conversation is about prospective capacity; the other can begin with your current policy documents. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf "General Property Appetite Guide") [10](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [11](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management") [5](https://www.bhspecialty.com/us-products/us-property/ "Property") WithCoverage offers a no-cost audit that can be completed without leaving the current broker, and gives a named construction-client example involving property and inland marine savings. Berkshire Hathaway Specialty Insurance lists all-risk and selected-peril products. Treat the client result as an attributed example, then compare actual renewal terms, scheduled values, and exclusions before changing a placement. [6](https://www.bhspecialty.com/wp-content/uploads/marketing/Property-Appetite-Guide-US.pdf "General Property Appetite Guide") [10](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [11](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management") [5](https://www.bhspecialty.com/us-products/us-property/ "Property") ### Comparing a new placement with an audit WithCoverage’s audit starts from existing policy documents and may benchmark property alongside inland marine; Berkshire Hathaway Specialty Insurance’s guide concerns new placement capacity. If you are approaching renewal, compare current terms to any proposed replacement line by line, and distinguish the cited customer savings example from a result promised for your account. [5](https://www.bhspecialty.com/us-products/us-property/ "Property") ## What to Confirm in Commercial Property Insurance Quotes - Ask Berkshire Hathaway Specialty Insurance whether the stated premium floor and working layer apply to your schedule and what minimum values or retentions are proposed. - Ask WithCoverage which property and inland-marine terms it will benchmark, and request the insurer, limits, exclusions, and fees for any replacement placement. ## Offering Details | Criteria | Commercial property all-risk and selected single-peril/catastrophe offerings | WithCoverage Commercial Property Program Review | | --- | --- | --- | | Role in This Line | Confirm in your quote. | WithCoverage is a broker, not an insurer; it reviews and can place commercial property coverage as part of a client's broader insurance program rather than underwriting the risk itself. [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 and consumer industry pages; terms confirm the issuing insurer, not WithCoverage, is responsible for policy obligations..) | | Issuing Insurer | Confirm in your quote. | The reviewed pages do not name which insurer or insurers WithCoverage places commercial property coverage with for any given client. [10](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [11](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management") (Evidence: Not found in reviewed sources; scope: Construction and consumer 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. [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..) | Property is explicitly listed among the policies WithCoverage says it reviews line by line during a program audit, alongside General Liability, Product Liability, Workers' Comp and umbrella. [10](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [11](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management") (Evidence: Company-reported; scope: Program-audit FAQ, repeated identically on both the construction and consumer pages..) | | 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..) | Confirm in your quote. | | Risk Services | Confirm in your quote. | A named construction client, Lonnie Lischka Company, is quoted saying WithCoverage delivered over $80,000 in annual savings specifically on its Property and Inland Marine program, and moved the account's insurance program and reissued more than 300 certificates of insurance in a single day before renewal. [10](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") (Evidence: Company-reported; scope: Customer testimonial on the construction industry page; a single client's self-reported experience, not an independently verified or typical outcome..) | | How to Apply | Confirm in your quote. | WithCoverage offers a no-cost program audit that includes property coverage 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") [11](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management") (Evidence: Company-reported; scope: Construction and consumer page FAQs..) | ## Full Comparison - [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 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 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) - [AIG vs Berkshire Hathaway Specialty Insurance Commercial Property Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/commercial-property) - [AIG vs WithCoverage Commercial Property Insurance](https://spot.insure/compare/aig-vs-withcoverage/commercial-property) - [Alliance Risk vs WithCoverage Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-withcoverage/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 WithCoverage Commercial Property Insurance](https://spot.insure/compare/aon-vs-withcoverage/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. ### 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; Lonnie Lischka Company testimonial: "$80K in annual savings on our Property and Inland Marine program"; Have Questions? program-audit FAQ listing Property among reviewed policies. Accessed 2026-09-23. 11. [Consumer Insurance & Risk Management](https://www.withcoverage.com/industries/consumer). WithCoverage; Have Questions? program-audit FAQ listing Property among reviewed policies. 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. Accessed 2026-09-23. ### Commercial Property Insurance Guide 13. [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. 14. [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. 15. [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). ## WithCoverage Reviews 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/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)