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What Does Commercial Property Insurance from Berkshire Hathaway Specialty Insurance Cover?

Berkshire Hathaway Specialty Insurance offers all-risk commercial property insurance and selected single-peril cover, such as flood and earthquake, to healthcare, education and retail, among others.

Commercial property all-risk and selected single-peril/catastrophe offerings · Updated

Who Is Berkshire Hathaway Specialty Insurance Commercial Property For?

  • BHSI targets property portfolios in sectors including public entities, finance, healthcare, education, manufacturing and retail. 1

    Company-reportedCommercial property risks described by BHSI. Material limitation: Target-sector language is not a complete appetite guide or individual acceptance commitment.

Berkshire Hathaway Specialty Insurance Commercial Property Coverage Features

  • BHSI lists all-risk commercial property and selected single-peril offerings such as earthquake, flood and windstorm. 1

    Company-reportedUS commercial property risks. Material limitation: Single-peril availability is separate from all-risk and depends on peril, state, risk and capacity.

Berkshire Hathaway Specialty Insurance Commercial Property 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. 2

    Company-reportedU.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.

Berkshire Hathaway Specialty Insurance Commercial Property Compared

Other Coverage Lines Documented for Berkshire Hathaway Specialty Insurance

Sources for Berkshire Hathaway Specialty Insurance Commercial Property

  1. 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.
  2. 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.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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