We have benchmarked BSHI against three main client concerns:

• Claims handling: Market-leading claims philosophy “claims is our product.” BHSI focuses on direct communication, quick decisions, and fair settlements backed by its strong capital position.

• Price competitiveness: Typically competitive on large, well-managed commercial property where quality risk information is provided. Not driven by volume, but by long-term partnership pricing.

• Property appetite: Prefers high-quality commercial and Body Corporate assets with strong risk management and maintenance standards. Particularly strong on larger, complex schedules and high-value portfolios.

We have found Berkshire is a great fit for:

• Large commercial property portfolios – strong appetite for high-value, well-managed buildings.

• Commercial Body Corporates – competitive for premium, modern, or low-risk schemes.

• Industrial and warehousing – selective, but strong capacity for clean, low-hazard occupancies.

We have found that Berkshire may not be the best fit for:

• Small or standard SME property risks – not focused on small-scale business.

• Older or high-risk buildings – conservative approach to ageing or quake-exposed properties.

• High-hazard industrial occupancies – limited appetite for heavy manufacturing or flammable goods.

• Price-sensitive clients – may not compete on premium where the lowest price is the priority.