{
 "dataset": "Australian building insurance",
 "source": "Each brand's and insurer's own Product Disclosure Statement, Key Facts Sheet, Target Market Determination and product pages (policies, cover, underwriter); APRA's list of registered general insurers (authorisation); ASIC's Australian Financial Services Licensee register on data.gov.au (licence, ABN)",
 "licence_note": "APRA authorisation is from APRA's list of registered general insurers, published under the Creative Commons Attribution 4.0 International licence (© Australian Prudential Regulation Authority). Licence fields are from ASIC's AFS Licensee dataset on data.gov.au, published under the Creative Commons Attribution 3.0 Australia licence. Policies, their cover and their underwriters are facts read from each brand's and insurer's own published documents, and every one carries the URL and the sentence it was read from. Policies change, and the document that applies to a policy is the one issued with it. This is reference data, not advice about which policy to buy.",
 "brand": {
  "slug": "bhsi",
  "name": "Berkshire Hathaway Specialty Insurance",
  "website": "https://www.bhspecialty.com/",
  "kind": "insurer",
  "underwriter": "Berkshire Hathaway Specialty Insurance Company",
  "underwriter_abn": "84600643034",
  "underwriter_afsl": "466713",
  "lloyds": false,
  "distributor": null,
  "products": [
   {
    "name": "BHSI Australia Commercial Property (All Risk Property)",
    "type": "industrial_property",
    "segment": "industrial",
    "channel": null,
    "online_quote": null,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": null,
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Industry focus includes manufacturing, food & beverage production, transport & logistics/warehousing, real estate portfolios/property owners, healthcare, education, government & infrastructure.",
    "states": null,
    "documents": [
     {
      "title": "BHSI Australia appetite guide (05-07-2026)",
      "url": "https://www.bhspecialty.com/wp-content/uploads/marketing/Australia-Combined-AAG.pdf",
      "date": "2026-07-05"
     }
    ],
    "quotes": {
     "product": {
      "text": "Berkshire Hathaway Specialty Insurance (BHSI) Australia provides commercial property, casualty, healthcare lines, accident & health, executive and professional lines, cyber, construction, power, energy, mining and marine, transport & logistics liability insurance.",
      "url": "https://www.bhspecialty.com/wp-content/uploads/marketing/Australia-Combined-AAG.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Berkshire Hathaway Specialty Insurance (BHSI) Australia provides commercial property, casualty, healthcare lines, accident & health, executive and professional lines, cyber, construction, power, energy, mining and marine, transport & logistics liability insurance.",
       "url": "https://www.bhspecialty.com/wp-content/uploads/marketing/Australia-Combined-AAG.pdf#page=5",
       "page": 5,
       "document_sha256": "66a78b6e9ed1447f6cbb87e43e5f3da996c89f2aa2ed910364ea8c9ad1f8ac5a",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Appetite guide lists 'All Risk Property' under PROPERTY; no minimum or wording published."
    ],
    "unoccupied": {
     "days": null,
     "effect": "not_stated",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": null,
     "then": null,
     "label": "Not stated"
    },
    "id": "australia-commercial-property-all-risk-property",
    "type_label": "Industrial property",
    "issuers": [
     {
      "name": "Berkshire Hathaway Specialty Insurance Company",
      "abn": "84600643034",
      "afsl": "466713",
      "lloyds": false,
      "slug": "berkshire-hathaway-specialty-insurance",
      "apra": {
       "status": "authorised",
       "name": "Berkshire Hathaway Specialty Insurance Company",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "466713",
       "name": "BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY",
       "abn": "84600643034",
       "acn": null,
       "licensed_since": "2015-04-23",
       "locality": "Sydney NSW 2000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   },
   {
    "name": "BHSI Australia Middle Market Property (ISR)",
    "type": "isr",
    "segment": "industrial",
    "channel": null,
    "online_quote": null,
    "cover_basis": null,
    "buffer_percent": null,
    "flood": null,
    "accidental_damage": null,
    "levels": [],
    "eligibility": "Middle-market property risks with total insured values starting from AUD 15,000,000.",
    "states": null,
    "documents": [
     {
      "title": "Middle Market Overview - Australia",
      "url": "https://www.bhspecialty.com/wp-content/uploads/marketing/Middle-Market-Overview-Australia.pdf",
      "date": null
     },
     {
      "title": "Corporate Property Overview - Australia",
      "url": "https://www.bhspecialty.com/wp-content/uploads/marketing/Corporate-Property-Overview-Australia.pdf",
      "date": null
     }
    ],
    "quotes": {
     "product": {
      "text": "ISR Mark IV or V, manuscript forms",
      "url": "https://www.bhspecialty.com/wp-content/uploads/marketing/Middle-Market-Overview-Australia.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "ISR Mark IV or V, manuscript forms",
       "url": "https://www.bhspecialty.com/wp-content/uploads/marketing/Middle-Market-Overview-Australia.pdf#page=1",
       "page": 1,
       "document_sha256": "d0c558f4fce15a511c5b2abe6342b8250d25ce6242689e9dd0109f2d73ff09d6",
       "confirmed": "2026-11-13"
      }
     },
     "eligibility": {
      "text": "Opportunities with TIV starting from AUD 15,000,000",
      "url": "https://www.bhspecialty.com/wp-content/uploads/marketing/Middle-Market-Overview-Australia.pdf",
      "checked": {
       "status": "found",
       "at": "2026-11-13T00:55:57+00:00"
      },
      "citation": {
       "quote": "Opportunities with TIV starting from AUD 15,000,000",
       "url": "https://www.bhspecialty.com/wp-content/uploads/marketing/Middle-Market-Overview-Australia.pdf#page=1",
       "page": 1,
       "document_sha256": "d0c558f4fce15a511c5b2abe6342b8250d25ce6242689e9dd0109f2d73ff09d6",
       "confirmed": "2026-11-13"
      }
     }
    },
    "conditions": [
     "Cover is ISR (industrial special risks) wordings, so this is closer to the industrial segment than to small-business property.",
     "BHSI's property page lists 'Real Estate Portfolios/Property Owners' as an industry focus."
    ],
    "unoccupied": {
     "days": null,
     "effect": "not_stated",
     "excess": null,
     "excluded_events": null,
     "still_covered": null,
     "must_tell": null,
     "conditions": null,
     "then": null,
     "label": "Not stated"
    },
    "id": "australia-middle-market-property-isr",
    "type_label": "Industrial special risks (ISR)",
    "issuers": [
     {
      "name": "Berkshire Hathaway Specialty Insurance Company",
      "abn": "84600643034",
      "afsl": "466713",
      "lloyds": false,
      "slug": "berkshire-hathaway-specialty-insurance",
      "apra": {
       "status": "authorised",
       "name": "Berkshire Hathaway Specialty Insurance Company",
       "source": {
        "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
        "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
       }
      },
      "licence": {
       "afsl": "466713",
       "name": "BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY",
       "abn": "84600643034",
       "acn": null,
       "licensed_since": "2015-04-23",
       "locality": "Sydney NSW 2000",
       "source": {
        "dataset": "ASIC AFS Licensee dataset",
        "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
        "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
        "last_modified": "2026-11-11T20:51:07.739275",
        "licence": "Creative Commons Attribution 3.0 Australia"
       },
       "general_insurance": true,
       "disagreements": []
      }
     }
    ]
   }
  ],
  "quotes": {
   "underwriter": {
    "text": "Berkshire Hathaway Specialty Insurance Company (incorporated in Nebraska, USA) ABN 84 600 643 034, AFS License No. 466713",
    "url": "https://www.bhspecialty.com/wp-content/uploads/marketing/Australia-Combined-AAG.pdf",
    "checked": {
     "status": "found",
     "at": "2026-11-13T00:55:57+00:00"
    },
    "citation": {
     "quote": "Berkshire Hathaway Specialty Insurance Company (incorporated in Nebraska, USA) ABN 84 600 643 034, AFS License No. 466713",
     "url": "https://www.bhspecialty.com/wp-content/uploads/marketing/Australia-Combined-AAG.pdf#page=8",
     "page": 8,
     "document_sha256": "66a78b6e9ed1447f6cbb87e43e5f3da996c89f2aa2ed910364ea8c9ad1f8ac5a",
     "confirmed": "2026-11-13"
    }
   }
  },
  "curation_notes": "The Australian pages are at bhspecialty.com/aus/ (not /au). The cookie-wall interstitial hides content from plain fetches; read with headless Chromium. Property lines are sold to brokers; the middle-market ISR offer is additional to the All Risk Property product recorded by the industrial group.",
  "segments": [
   "industrial"
  ],
  "issuers": [
   {
    "name": "Berkshire Hathaway Specialty Insurance Company",
    "abn": "84600643034",
    "afsl": "466713",
    "lloyds": false,
    "slug": "berkshire-hathaway-specialty-insurance",
    "apra": {
     "status": "authorised",
     "name": "Berkshire Hathaway Specialty Insurance Company",
     "source": {
      "url": "https://www.apra.gov.au/registers/list-registered-general-insurers",
      "licence": "Creative Commons Attribution 4.0 International; © Australian Prudential Regulation Authority"
     }
    },
    "licence": {
     "afsl": "466713",
     "name": "BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY",
     "abn": "84600643034",
     "acn": null,
     "licensed_since": "2015-04-23",
     "locality": "Sydney NSW 2000",
     "source": {
      "dataset": "ASIC AFS Licensee dataset",
      "url": "https://data.gov.au/data/dataset/asic-afs-licensee",
      "release": "https://data.gov.au/data/dataset/ab7eddce-84df-4098-bc8f-500d0d9776d1/resource/d98a113d-6b50-40e6-b65f-2612efc877f4/download/afs_lic_202611.csv",
      "last_modified": "2026-11-11T20:51:07.739275",
      "licence": "Creative Commons Attribution 3.0 Australia"
     },
     "general_insurance": true,
     "disagreements": []
    }
   }
  ],
  "distributor_licence": null,
  "page": "https://deepalmanac.com/au/insurance/building/bhsi/",
  "json": "https://deepalmanac.com/au/insurance/building/v1/brands/bhsi.json"
 }
}