--- title: "Berkshire Hathaway Specialty Insurance Builders Risk Insurance" description: "Everything to know before buying Berkshire Hathaway Specialty Insurance Builders Risk Insurance: what it covers, who it’s for, and how to apply." canonical: "https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/builders-risk" page-type: "offering-page" updated-at: "2026-09-30" provider: "berkshire-hathaway-specialty-insurance" 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 the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability 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://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/builders-risk) ## Agent Guide **What this page is:** What Berkshire Hathaway Specialty Insurance Builders Risk 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 Builders Risk Insurance specifically. For the general coverage explainer use /coverage/builders-risk; for the provider overall use its profile. **Questions this page answers:** - Does Berkshire Hathaway Specialty Insurance Builders Risk Insurance offer this coverage? - What does Berkshire Hathaway Specialty Insurance Builders Risk Insurance cover and exclude? - Who is Berkshire Hathaway Specialty Insurance Builders Risk Insurance designed for? **Key facts:** - Provider slug `berkshire-hathaway-specialty-insurance`; coverage line `builders-risk`. - 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 2026-09-30. **Related pages:** - [Provider profile](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance) — parent: provider profile # What Does Builders Risk Insurance from Berkshire Hathaway Specialty Insurance Cover? Product: Builder’s Risk. Provider: Berkshire Hathaway Specialty Insurance. Coverage line: Builders Risk Insurance. ## Quick Answer Berkshire Hathaway Specialty Insurance offers builder's risk insurance for project property, with primary and excess placements and delay and soft-cost features. [1](https://www.bhspecialty.com/us-products/us-builders-risk/ "Builder’s Risk") ## Berkshire Hathaway Specialty Insurance Builders Risk at a Glance | Topic | Evidence | Claims | | --- | --- | --- | | Role in This Line | Company-reported | 1 | | Who It’s For | Company-reported | 1 | | Coverage Features | Company-reported | 3 | | How to Apply | Company-reported | 1 | ## Berkshire Hathaway Specialty Insurance’s Role in Builders 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 Is Berkshire Hathaway Specialty Insurance Builders Risk 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.) ## Berkshire Hathaway Specialty Insurance Builders Risk 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 Do You Apply for Berkshire Hathaway Specialty Insurance Builders Risk? - 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.) ## Berkshire Hathaway Specialty Insurance vs Other Builders Risk Providers - [Berkshire Hathaway Specialty Insurance vs AIG](https://thegeneralaverage.com/compare/aig-vs-berkshire-hathaway-specialty-insurance) - [Berkshire Hathaway Specialty Insurance vs Alliance Risk](https://thegeneralaverage.com/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance) - [Berkshire Hathaway Specialty Insurance vs Aon](https://thegeneralaverage.com/compare/aon-vs-berkshire-hathaway-specialty-insurance) - [Berkshire Hathaway Specialty Insurance vs The Baldwin Group](https://thegeneralaverage.com/compare/baldwin-vs-berkshire-hathaway-specialty-insurance) - [Berkshire Hathaway Specialty Insurance vs Chubb](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-chubb) - [Berkshire Hathaway Specialty Insurance vs CNA](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-cna) ## Other Coverage Lines From Berkshire Hathaway Specialty Insurance - [Berkshire Hathaway Specialty Insurance Cargo and Transit Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/cargo-transit) - [Berkshire Hathaway Specialty Insurance Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/commercial-property) - [Berkshire Hathaway Specialty Insurance Crime Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/crime) - [Berkshire Hathaway Specialty Insurance Cyber Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/cyber) - [Berkshire Hathaway Specialty Insurance D&O Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/directors-officers) - [Berkshire Hathaway Specialty Insurance Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/employment-practices) - [Berkshire Hathaway Specialty Insurance Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/fiduciary) - [Berkshire Hathaway Specialty Insurance General Liability Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/general-liability) - [Berkshire Hathaway Specialty Insurance Inland Marine Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/inland-marine) - [Berkshire Hathaway Specialty Insurance Media Liability Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/media) - [Berkshire Hathaway Specialty Insurance Product Liability Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/product-liability) - [Berkshire Hathaway Specialty Insurance Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/professional-errors-omissions) - [Berkshire Hathaway Specialty Insurance Representations and Warranties Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/representations-warranties) - [Berkshire Hathaway Specialty Insurance Surety Bonds](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/surety-bonds) - [Berkshire Hathaway Specialty Insurance Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/technology-errors-omissions) - [Berkshire Hathaway Specialty Insurance Umbrella and Excess Liability Insurance](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/umbrella-excess) ## Related Reading - [Berkshire Hathaway Specialty Insurance Profile](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance) - [Berkshire Hathaway Specialty Insurance Reliability](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/reliability) - [Berkshire Hathaway Specialty Insurance Alternatives](https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/alternatives) - [Coverage Guide: Builders risk](https://thegeneralaverage.com/coverage/builders-risk) ## Sources for Berkshire Hathaway Specialty Insurance Builders Risk 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. ## How to Cite This Page Berkshire Hathaway Specialty Insurance Builders Risk Insurance: Coverage, Eligibility & Application (2026). The General Average, updated 2026-09-30. https://thegeneralaverage.com/insurance-providers/berkshire-hathaway-specialty-insurance/builders-risk. Quote the claim with its numbered source; the issued policy wording, not this page, defines coverage. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://thegeneralaverage.com/editorial-policy). 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