--- title: "Berkshire Hathaway Specialty Insurance Builders Risk Insurance" description: "What Berkshire Hathaway Specialty Insurance Builders Risk Insurance covers, who it’s for, and how to apply, cited to Berkshire Hathaway Specialty Insurance’s own published sources." canonical: "https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/builders-risk" page-type: "offering-page" updated-at: "2026-09-30" --- 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/insurance-providers/berkshire-hathaway-specialty-insurance/builders-risk) # Berkshire Hathaway Specialty Insurance Builders Risk Insurance Builder’s Risk BHSI describes primary and excess options for its Builder’s Risk products, along with single-peril and difference-in-conditions choices. [1](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.) ## Who It’s For - BHSI separates its EAR and CAR target categories; it says Master Builder’s Risk is considered selectively. [1](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.) ## Coverage Features - BHSI describes Builder’s Risk as project property coverage and lists hot testing/commissioning, delay and soft-cost features. [1](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. [1](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. [2](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.) ## How to Apply - BHSI says underwriting may request coverage specifications, a project description, contractor loss experience and a construction schedule, among other project details. [2](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.) ## Other Berkshire Hathaway Specialty Insurance Coverage Lines - [Berkshire Hathaway Specialty Insurance Cargo and Transit Insurance](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/cargo-transit) - [Berkshire Hathaway Specialty Insurance Crime Insurance](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/crime) - [Berkshire Hathaway Specialty Insurance Cyber Insurance](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/cyber) - [Berkshire Hathaway Specialty Insurance D&O Insurance](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/directors-officers) - [Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/employment-practices) - [Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/fiduciary) - [Berkshire Hathaway Specialty Insurance Media Liability Insurance](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/media) - [Berkshire Hathaway Specialty Insurance Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/professional-errors-omissions) - [Berkshire Hathaway Specialty Insurance Representations and Warranties Insurance](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/representations-warranties) - [Berkshire Hathaway Specialty Insurance Surety Bonds](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/surety-bonds) - [Berkshire Hathaway Specialty Insurance Tech E&O Insurance](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/technology-errors-omissions) ## Related - [Berkshire Hathaway Specialty Insurance Profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) - [Berkshire Hathaway Specialty Insurance Reliability](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/reliability) - [Berkshire Hathaway Specialty Insurance Alternatives](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/alternatives) - [Coverage Guide: Builders risk](https://spot.insure/coverage/builders-risk) ## Sources 1. [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. 2. [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. Updated 2026-09-30. 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