--- title: "Berkshire Hathaway Specialty Insurance Commercial Property Insurance" description: "Everything to know before buying Berkshire Hathaway Specialty Insurance Commercial Property Insurance: what it covers and who it’s for." canonical: "https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/commercial-property" page-type: "offering-page" updated-at: "2026-09-29" provider: "berkshire-hathaway-specialty-insurance" 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/insurance-providers/berkshire-hathaway-specialty-insurance/commercial-property) ## Agent Guide **What this page is:** What Berkshire Hathaway Specialty Insurance Commercial Property Insurance covers, who it fits and what to confirm before buying, drawn from the provider's public documents. **Use this page when:** Cite this page for Berkshire Hathaway Specialty Insurance Commercial Property Insurance specifically. For the general coverage explainer use /coverage/commercial-property; for the provider overall use its profile. **Questions this page answers:** - Does Berkshire Hathaway Specialty Insurance Commercial Property Insurance offer this coverage? - What does Berkshire Hathaway Specialty Insurance Commercial Property Insurance cover and exclude? - Who is Berkshire Hathaway Specialty Insurance Commercial Property Insurance designed for? **Key facts:** - Provider slug `berkshire-hathaway-specialty-insurance`; coverage line `commercial-property`. - Start with the Quick Answer; the at-a-glance table shows which topics the sources document. Facts are grouped by topic under their own headings, and what the sources do not disclose is listed in its own section. **Limits (do not over-claim):** - Summarises public product descriptions; actual coverage is defined by the issued policy wording and endorsements. - Availability varies by state, industry and underwriting. - Not insurance, legal or financial advice, and not a quote, binder or offer of coverage. - Eligibility, pricing, limits, exclusions and policy wording depend on the issuing insurer and the buyer's risk; confirm them with the provider before buying. **Provenance:** Based on the dated public sources listed under Sources on the page; updated 2026-09-29. **Related pages:** - [Provider profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) — parent: provider profile # What Does Commercial Property Insurance from Berkshire Hathaway Specialty Insurance Cover? Product: Commercial property all-risk and selected single-peril/catastrophe offerings. Provider: Berkshire Hathaway Specialty Insurance. Coverage line: Commercial Property Insurance. ## Quick Answer 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. [1](https://www.bhspecialty.com/us-products/us-property/ "Property") ## Berkshire Hathaway Specialty Insurance Commercial Property at a Glance | Topic | Evidence | Claims | | --- | --- | --- | | Who It’s For | Company-reported | 1 | | Coverage Features | Company-reported | 1 | | Limits and Retentions | Company-reported | 1 | ## 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](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.) ## 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](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.) ## 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](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.) ## Berkshire Hathaway Specialty Insurance Commercial Property Compared - [Berkshire Hathaway Specialty Insurance vs AIG](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/commercial-property) - [Berkshire Hathaway Specialty Insurance vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/commercial-property) - [Berkshire Hathaway Specialty Insurance vs Aon](https://spot.insure/compare/aon-vs-berkshire-hathaway-specialty-insurance/commercial-property) - [Berkshire Hathaway Specialty Insurance vs The Baldwin Group](https://spot.insure/compare/baldwin-vs-berkshire-hathaway-specialty-insurance/commercial-property) - [Berkshire Hathaway Specialty Insurance vs Beazley](https://spot.insure/compare/beazley-vs-berkshire-hathaway-specialty-insurance/commercial-property) - [Berkshire Hathaway Specialty Insurance vs CFC](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cfc/commercial-property) ## Other Coverage Lines Documented for Berkshire Hathaway Specialty Insurance - [Berkshire Hathaway Specialty Insurance Builders Risk Insurance](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/builders-risk) - [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 General Liability Insurance](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/general-liability) - [Berkshire Hathaway Specialty Insurance Inland Marine Insurance](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/inland-marine) - [Berkshire Hathaway Specialty Insurance Media Liability Insurance](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/media) - [Berkshire Hathaway Specialty Insurance Product Liability Insurance](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/product-liability) - [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) - [Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/umbrella-excess) ## Related Pages for Berkshire Hathaway Specialty Insurance Commercial Property - [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: Commercial property](https://spot.insure/coverage/commercial-property) ## Sources for Berkshire Hathaway Specialty Insurance Commercial Property 1. [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. 2. [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. ## How to Cite Berkshire Hathaway Specialty Insurance Commercial Property Berkshire Hathaway Specialty Insurance Commercial Property Insurance: Coverage, Eligibility & Limits (2026). Spot, updated 2026-09-29. https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/commercial-property. Quote the claim with its numbered source; the issued policy wording, not this page, defines coverage. Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/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)