---
title: "Alliance Risk vs THREE"
description: "Alliance Risk describes a broker-led technology insurance program that approaches insurer markets, while THREE sells a named business-owner policy issued by Berkshire Hathaway Direct Insurance Company."
canonical: "https://spot.insure/compare/alliance-risk-vs-three"
page-type: "provider-comparison"
updated-at: "2026-09-29"
---

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/compare/alliance-risk-vs-three)

# Alliance Risk vs THREE

Alliance Risk describes a broker-led technology insurance program that approaches insurer markets, while THREE sells a named business-owner policy issued by Berkshire Hathaway Direct Insurance Company.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Highlights

Alliance Risk describes a broker-led technology insurance program that approaches insurer markets, while THREE sells a named business-owner policy issued by Berkshire Hathaway Direct Insurance Company. The useful distinction is the placement route and policy structure: compare Alliance’s proposals line by line with THREE’s state-specific declarations and forms. [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") [12](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance")

## Provider Reliability Assessments

These sourced assessments are shown for context; this comparison does not select a winner.

### Alliance Risk

Role: Broker.

Broker Spot Score: **5.8/10** (partial score; 75% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/alliance-risk/reliability).

### THREE by Berkshire Hathaway

Role: Insurance carrier.

Carrier & MGA Spot Score: **Not Rated**. Assessed 2026-09-29; review due 2027-03-29.

Read the [full reliability assessment](https://spot.insure/insurance-providers/three/reliability).

## Alliance Risk Reviews

Review Score: not enough ratings.

Alliance Risk has no customer ratings on the review sites we checked, so there's no Review Score yet. That says nothing bad about the company; it means you'll need to ask for references.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/alliance-risk/reviews).

## THREE by Berkshire Hathaway Reviews

Review Score: 7.3 / 10 from 2 rated sources, equally weighted.

The inspected sources report separate measures: NerdWallet’s 4.0/5 editorial rating is excluded from the source-rating average; Trustpilot displayed 2.5/5 from five user posts and BBB displayed 4.8/5 from 265 reviews. Trustpilot and BBB include different purchase, service and agent/intermediary interactions, not a verified common policyholder cohort. BBB separately lists complaints. Any source-rating average weights eligible platforms equally and is not a pooled, representative customer-experience estimate or a claims-quality measure.

- NerdWallet: NerdWallet editorial rating 4.0 (5 stars). NerdWallet editorial evaluation of THREE commercial insurance; updated May 11, 2026. Its methodology score is an editorial rating, not an average of consumer reviews or a claims study. Period: Updated 2026-05-11. Checked 2026-09-29. [Three Insurance review | NerdWallet](https://www.nerdwallet.com/business/insurance/learn/three-insurance)
- Trustpilot: TrustScore 2.5 (5 stars); 5 reviews. Trustpilot page for threeinsurance.com checked 2026-09-29. Five user-posted reviews, one in prior 12 months; small self-selected population, review provenance not independently verified. Period: Displayed 2026-09-29. Checked 2026-09-29. [THREE Reviews | Trustpilot](https://uk.trustpilot.com/review/threeinsurance.com)
- BBB: BBB customer review average 4.8 (5 stars); 265 reviews. BBB profile for THREE by Berkshire Hathaway, customer-review and complaints pages directly rechecked 2026-09-29. The customer-review population includes sales-agent/intermediary interactions and customer purchase/service reports; it is not a verified uniform policyholder or claims-outcome cohort. Average and complaints are distinct populations. BBB says third-party information may not be verified and complaint text may be incomplete. Period: Displayed 2026-09-29. Checked 2026-09-29. [THREE by Berkshire Hathaway customer reviews | BBB](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/customer-reviews?page=1); [THREE by Berkshire Hathaway complaints | BBB](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/three/reviews).





## Coverage Comparison

| Coverage Type | Alliance Risk | THREE by Berkshire Hathaway |
| --- | --- | --- |
| [Builders risk](https://spot.insure/coverage/builders-risk) | Listed: Alliance Risk arranges builders risk insurance. [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Listed: Alliance Risk arranges business owner’s policies. [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [21](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [13](https://threeinsurance.com/the-policy "The Policy") |
| [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Listed: Alliance Risk arranges inland and ocean marine coverage for goods in transit. [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed: Alliance Risk arranges commercial auto insurance. [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [21](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [13](https://threeinsurance.com/the-policy "The Policy") |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Listed: Alliance Risk arranges property insurance. [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [21](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [13](https://threeinsurance.com/the-policy "The Policy") |
| [Crime](https://spot.insure/coverage/crime) | Listed: Alliance Risk arranges crime insurance. [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed: Alliance Risk arranges cyber liability insurance. [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [21](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [13](https://threeinsurance.com/the-policy "The Policy") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed: Alliance Risk arranges directors and officers liability insurance. [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [21](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed: Alliance Risk arranges employment practices liability insurance. [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [21](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") |
| [Equipment breakdown](https://spot.insure/coverage/equipment-breakdown) | Listed: Alliance Risk arranges equipment breakdown insurance. [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed: THREE lists equipment breakdown within the package; its displayed sample excludes machinery, equipment or listed vehicles that stop without an accident. Check the quoted form for the actual protection. [21](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [13](https://threeinsurance.com/the-policy "The Policy") |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Listed: Alliance Risk arranges fiduciary liability insurance. [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [21](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") |
| [General liability](https://spot.insure/coverage/general-liability) | Listed: Alliance Risk arranges general liability insurance. [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [21](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [13](https://threeinsurance.com/the-policy "The Policy") |
| [Intellectual property](https://spot.insure/coverage/intellectual-property) | Listed: Alliance Risk arranges intellectual-property insurance for technology businesses. [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") | Not listed |
| [Key person](https://spot.insure/coverage/key-person) | Listed: Alliance Risk arranges key person insurance. [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| [Liquor liability](https://spot.insure/coverage/liquor-liability) | Listed: Alliance Risk arranges liquor liability for businesses serving or selling alcohol. [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed: Marketed within THREE’s combined commercial policy if required; the quote and issued form determine availability and protection. [21](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") |
| [Management liability](https://spot.insure/coverage/management-liability) | Listed: Alliance Risk advises on management-liability packages and standalone options. [11](https://joinalliancerisk.com/management-liability-insurance/ "Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together") | Not listed |
| [Media liability](https://spot.insure/coverage/media) | Listed: Alliance Risk arranges media and advertising liability insurance. [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| [Product liability](https://spot.insure/coverage/product-liability) | Listed: Alliance Risk arranges product liability insurance. [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| [Product recall](https://spot.insure/coverage/product-recall) | Listed: Alliance Risk arranges product recall insurance. [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: Alliance Risk arranges professional liability insurance. [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [21](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") |
| [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Listed: Alliance Risk arranges technology errors and omissions insurance. [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Listed: Alliance Risk arranges inland marine coverage for goods, tools and equipment in transit or off-site. [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [21](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed: Alliance Risk arranges umbrella and excess liability insurance. [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed: Alliance Risk arranges workers’ compensation insurance. [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [21](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [13](https://threeinsurance.com/the-policy "The Policy") |

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.



## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## Broker Placement or One Insurer’s Business Policy?

Alliance Risk describes itself as a broker for technology companies, shopping admitted and excess-and-surplus markets and recommending a program. THREE is the product name used by Berkshire Hathaway Direct Insurance Company (BHDIC), which its sample policy names as the insurer. That puts the buyer’s choice between a broker assembling insurer proposals and a direct small-business policy issued by one named company; it does not establish that either route fits a particular risk. [2](https://joinalliancerisk.com/about-us/ "About Us") [3](https://joinalliancerisk.com/terms-conditions/ "Terms & Conditions") [4](https://joinalliancerisk.com/privacy-policy/ "Privacy Policy") [12](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [13](https://threeinsurance.com/the-policy "The Policy") [14](https://threeinsurance.com/faqs "FAQs: Understanding THREE")

## Technology Program or Packaged Small-Business Policy

Alliance Risk’s technology page lists a broad menu including cyber, E&O, D&O, commercial property and other lines for businesses from early-stage startups through larger technology firms. THREE markets a business-owners policy combining multiple coverages. Its website’s list and a sample policy do not establish standalone forms or identical limits for each category, so compare the proposed insuring agreements, sublimits, deductibles and exclusions rather than matching labels. [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") [9](https://joinalliancerisk.com/coverages/ "Alliance Products") [21](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [22](https://threeinsurance.com/benefits "Benefits | THREE") [13](https://threeinsurance.com/the-policy "The Policy")

## Getting a Quote and Handling a Claim

Alliance Risk asks for technology-risk information such as services, revenue, headcount, major contracts and claims history, then says quote timing can range from 48–72 hours for standard software to five–ten business days for several specialized technology classes. These are company estimates and not binding deadlines. THREE offers an online quote route with help from licensed Small Business Advisors; its claim page describes online or phone reporting and an assigned account manager for follow-up. Ask Alliance which insurer will issue each proposed policy and how its broker will assist after notice; ask THREE which contact and process apply to each policy claim. [10](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") [6](https://joinalliancerisk.com/get-a-quote/ "Get a Quote") [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") [12](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [14](https://threeinsurance.com/faqs "FAQs: Understanding THREE") [16](https://threeinsurance.com/claims "Filing a Claim: Call to get started") [14](https://threeinsurance.com/faqs "FAQs: Understanding THREE")

## What to Confirm in Quotes

Ask for the named insureds, issuing insurer, covered operations, limits, retentions, exclusions and any separate cyber or technology E&O proposal. For THREE, confirm how the requested coverage appears in the state-specific policy schedule and whether it is included in the package. For Alliance Risk, ask for each insurer proposal and all fees or commissions that apply. The reviewed public information does not support a premium comparison between these routes. [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") [6](https://joinalliancerisk.com/get-a-quote/ "Get a Quote") [3](https://joinalliancerisk.com/terms-conditions/ "Terms & Conditions") [3](https://joinalliancerisk.com/terms-conditions/ "Terms & Conditions") [6](https://joinalliancerisk.com/get-a-quote/ "Get a Quote") [13](https://threeinsurance.com/the-policy "The Policy")

## Compare Services

What each provider documents about the services you may need.

| Criteria | Alliance Risk | THREE by Berkshire Hathaway |
| --- | --- | --- |
| Business role | You buy through a broker that shops commercial insurance and advises on risk; Alliance Risk identifies Alliance Risk Insurance Services LLC as its subsidiary agency. [2](https://joinalliancerisk.com/about-us/ "About Us") [3](https://joinalliancerisk.com/terms-conditions/ "Terms & Conditions") [4](https://joinalliancerisk.com/privacy-policy/ "Privacy Policy") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.)<br><br>The parent company named in Alliance Risk’s disclosures is unclear, so confirm the contracting entity before signing. Its terms name Alliance Risk Holding Company LLC, while its privacy policy names Alliance Risk, Inc. [3](https://joinalliancerisk.com/terms-conditions/ "Terms & Conditions") [4](https://joinalliancerisk.com/privacy-policy/ "Privacy Policy") (Evidence: Conflicting sources; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.) | THREE is the commercial brand and product form used by Berkshire Hathaway Direct Insurance Company (BHDIC), which identifies itself as doing business as THREE and names itself as issuer on the sample THREE policy. THREE’s FAQ describes THREE or THREE Insurance as the product name, not a separate insurer. The state-specific issued policy controls. [12](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [13](https://threeinsurance.com/the-policy "The Policy") [14](https://threeinsurance.com/faqs "FAQs: Understanding THREE") (Evidence: Company-reported; scope: U.S. THREE commercial-insurance brand and sample policy; current company identity pages checked 2026-09-28. Company-reported legal disclosure; the state-specific issued policy controls the buyer’s contract.; verified: 2026-09-28.)<br><br>Berkshire Hathaway’s published company list identifies Berkshire Hathaway Direct Insurance Company (THREE) and lists Berkshire Hathaway Specialty Insurance (BHSI) and biBERK separately. Its 2025 annual report says BH Direct and GUARD together primarily offer commercial products to small and medium-sized businesses; it separately describes BH Direct’s admitted commercial underwriting and use of the biBERK.com and Threeinsurance.com distribution platforms. The reviewed list and report do not establish the exact direct-versus-indirect ownership chain. [19](https://www.berkshirehathaway.com/subs/sublinks.html "Links to Berkshire Hathaway Subsidiary Companies") [18](https://www.berkshirehathaway.com/2025ar/202510-k.pdf "Berkshire Hathaway Inc. 2025 Annual Report / Form 10-K") (Evidence: Company-reported; scope: Berkshire Hathaway company list checked 2026-09-28 and 2025 annual-report discussion of BH Direct and GUARD; group relationship and commercial operating scope only, not a precise ownership-chain finding.; verified: 2026-09-28.) |
| Customer focus | Technology businesses from pre-seed through public-company stages can ask Alliance Risk about coverage, including SaaS, hardware, fintech, healthtech and AI. [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.) | THREE describes its focus as businesses and presents industries it serves. Berkshire Hathaway’s 2025 annual report says BH Direct and GUARD together primarily offer commercial insurance to small and medium-sized businesses; it separately says BH Direct underwrites through the biBERK.com and Threeinsurance.com distribution platforms. Eligibility varies by state and business. [12](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [18](https://www.berkshirehathaway.com/2025ar/202510-k.pdf "Berkshire Hathaway Inc. 2025 Annual Report / Form 10-K") (Evidence: Company-reported; scope: THREE’s company-described business focus and industry examples, plus the 2025 report’s joint BH Direct-and-GUARD SMB statement. The report does not attribute that customer-size focus to BHDIC alone; actual eligibility varies by state and business.; verified: 2026-09-28.) |
| Application process | You can request a no-obligation quote through a contact form, but it is only an initial inquiry, not a bindable offer; the form asks for your company, website, contact details and message. [6](https://joinalliancerisk.com/get-a-quote/ "Get a Quote") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.)<br><br>To get a technology E&O proposal, prepare service details, revenue, employee count, major client contracts, current coverage, five-year claims history and customer concentration; Alliance Risk says it reviews the current program and approaches specialist insurers. [10](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.)<br><br>Build the quote schedule around your risk type: Alliance Risk advertises 24 hours generally, 48–72 hours for standard software risks and five to ten business days for hardware, fintech, healthtech and AI. These are company estimates, not deadlines. [6](https://joinalliancerisk.com/get-a-quote/ "Get a Quote") [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") (Evidence: Conflicting sources; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.) | THREE directs prospective customers to an online quote flow and says licensed Small Business Advisors can help them start or continue the process; the company’s FAQ also describes a phone quote and says an unfinished quote can be saved and resumed. This documents quote routes, not online purchase or binding by an individual customer. [12](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [14](https://threeinsurance.com/faqs "FAQs: Understanding THREE") (Evidence: Company-reported; scope: U.S. business insurance quote application. Company-described online and phone process; no customer form was submitted and no binding outcome was tested.; verified: 2026-09-28.)<br><br>THREE describes a partner-agency channel. Its partner page says the Agency Service Team assists policyholders and agents and that agency partners can use the THREE platform to quote, bind, and issue policies online. This describes the partner channel, not the direct public quote flow. [17](https://threeinsurance.com/become-a-three-partner "Become a THREE Partner") (Evidence: Company-reported; scope: THREE partner agency program and platform capabilities as described by the company; these capabilities apply to partner agencies and do not establish direct-customer self-binding.; verified: 2026-09-28.) |
| Servicing and renewals | You can request a no-charge review of an existing technology E&O policy for gaps, retroactive dates and market alternatives; this is a described service, not proof of review quality. [10](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.)<br><br>If you need after-hours help, confirm the response commitment and renewal timetable: Alliance Risk advertises online access and 24/7 support, while its contact page lists weekday phone hours of 9am–6pm EST. [8](https://joinalliancerisk.com/ "All In One Insurance Risk Advisory to Protect Your Business") [7](https://joinalliancerisk.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.) | THREE says policyholders can submit policy-change requests through My THREE Online or contact a Small Business Advisor. Its FAQ lists account/contact and billing tasks, vehicle and location changes, and certificate requests; it says vehicle and location requests are reviewed and processed by its team. The page does not establish automatic approval or effective dates for changes. [14](https://threeinsurance.com/faqs "FAQs: Understanding THREE") (Evidence: Company-reported; scope: Company-described servicing routes and request types for THREE policyholders; submitted requests may be reviewed and processed, and approval/effective dates are not established.; verified: 2026-09-28.)<br><br>THREE describes its policy as a one-year term. Its payment terms say automatic bank-draft authorization renews if the customer renews the policy; they do not say that the policy itself renews automatically or explain the complete renewal-offer process. [14](https://threeinsurance.com/faqs "FAQs: Understanding THREE") [15](https://threeinsurance.com/terms-conditions "Terms & Conditions") (Evidence: Company-reported; scope: Published FAQ and payment terms reviewed 2026-09-28. Renewal administration beyond payment authorization was not established from these pages.; verified: 2026-09-28.) |

## Related Reading

- [What Is Alliance Risk?](https://spot.insure/insurance-providers/alliance-risk)
- [THREE small business insurance: coverage, issuer and buying routes](https://spot.insure/insurance-providers/three)

## Related Comparisons

- [AIG vs Alliance Risk](https://spot.insure/compare/aig-vs-alliance-risk)
- [AIG vs THREE by Berkshire Hathaway](https://spot.insure/compare/aig-vs-three)
- [Alliance Risk vs Amelia Risk](https://spot.insure/compare/alliance-risk-vs-amelia-risk)
- [Alliance Risk vs Aon](https://spot.insure/compare/alliance-risk-vs-aon)
- [Alliance Risk vs Armilla](https://spot.insure/compare/alliance-risk-vs-armilla)
- [Alliance Risk vs At-Bay](https://spot.insure/compare/alliance-risk-vs-at-bay)
- [Alliance Risk vs The Baldwin Group](https://spot.insure/compare/alliance-risk-vs-baldwin)
- [Alliance Risk vs Beazley](https://spot.insure/compare/alliance-risk-vs-beazley)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance)
- [Alliance Risk vs biBerk](https://spot.insure/compare/alliance-risk-vs-biberk)
- [Alliance Risk vs CFC](https://spot.insure/compare/alliance-risk-vs-cfc)
- [Alliance Risk vs Chubb](https://spot.insure/compare/alliance-risk-vs-chubb)
- [Alliance Risk vs CNA](https://spot.insure/compare/alliance-risk-vs-cna)
- [Alliance Risk vs Coalition](https://spot.insure/compare/alliance-risk-vs-coalition)
- [Alliance Risk vs Corgi](https://spot.insure/compare/alliance-risk-vs-corgi)
- [Alliance Risk vs Coterie Insurance](https://spot.insure/compare/alliance-risk-vs-coterie)
- [Alliance Risk vs Counterpart](https://spot.insure/compare/alliance-risk-vs-counterpart)
- [Alliance Risk vs Coverdash](https://spot.insure/compare/alliance-risk-vs-coverdash)
- [Alliance Risk vs Cowbell](https://spot.insure/compare/alliance-risk-vs-cowbell)
- [Alliance Risk vs Embroker](https://spot.insure/compare/alliance-risk-vs-embroker)
- [Alliance Risk vs Founder Shield](https://spot.insure/compare/alliance-risk-vs-foundershield)
- [Amelia Risk vs THREE by Berkshire Hathaway](https://spot.insure/compare/amelia-risk-vs-three)
- [Aon vs THREE by Berkshire Hathaway](https://spot.insure/compare/aon-vs-three)
- [Armilla vs THREE by Berkshire Hathaway](https://spot.insure/compare/armilla-vs-three)
- [At-Bay vs THREE by Berkshire Hathaway](https://spot.insure/compare/at-bay-vs-three)
- [The Baldwin Group vs THREE by Berkshire Hathaway](https://spot.insure/compare/baldwin-vs-three)
- [Beazley vs THREE by Berkshire Hathaway](https://spot.insure/compare/beazley-vs-three)
- [Berkshire Hathaway Specialty Insurance vs THREE by Berkshire Hathaway](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three)
- [biBerk vs THREE by Berkshire Hathaway](https://spot.insure/compare/biberk-vs-three)
- [CFC vs THREE by Berkshire Hathaway](https://spot.insure/compare/cfc-vs-three)
- [Chubb vs THREE by Berkshire Hathaway](https://spot.insure/compare/chubb-vs-three)
- [CNA vs THREE by Berkshire Hathaway](https://spot.insure/compare/cna-vs-three)
- [Coalition vs THREE by Berkshire Hathaway](https://spot.insure/compare/coalition-vs-three)
- [Corgi vs THREE by Berkshire Hathaway](https://spot.insure/compare/corgi-vs-three)
- [Coterie Insurance vs THREE by Berkshire Hathaway](https://spot.insure/compare/coterie-vs-three)
- [Counterpart vs THREE by Berkshire Hathaway](https://spot.insure/compare/counterpart-vs-three)
- [Coverdash vs THREE by Berkshire Hathaway](https://spot.insure/compare/coverdash-vs-three)
- [Cowbell vs THREE by Berkshire Hathaway](https://spot.insure/compare/cowbell-vs-three)
- [Embroker vs THREE by Berkshire Hathaway](https://spot.insure/compare/embroker-vs-three)

## Sources

### [Alliance Risk Official Website](https://joinalliancerisk.com/)

1. [Technology Insurance](https://joinalliancerisk.com/technology-insurance/). Alliance Risk; What is Technology Insurance?; Types of Technology; Types of Coverage; startup placement introduction; quote documents and process. Accessed 2026-09-16.
2. [About Us](https://joinalliancerisk.com/about-us/). Alliance Risk; Our Story. Accessed 2026-09-16.
3. [Terms & Conditions](https://joinalliancerisk.com/terms-conditions/). Alliance Risk; Sections 1, 4, 5, 17 and 18; last updated October 30, 2024. Accessed 2026-09-16.
4. [Privacy Policy](https://joinalliancerisk.com/privacy-policy/). Alliance Risk; Sections 1, 4, 5 and 13; revised October 30, 2024. Accessed 2026-09-16.
5. [Insurance Licenses](https://joinalliancerisk.com/insurance-licenses/). Alliance Risk; CA entry; site footer producer trade name and NPN. Accessed 2026-09-16.
6. [Get a Quote](https://joinalliancerisk.com/get-a-quote/). Alliance Risk; Request form; Prefer to Call?; Why Alliance Risk? section. Accessed 2026-09-16.
7. [Contact Us](https://joinalliancerisk.com/contact-us/). Alliance Risk; Prefer to Call?; Talk to an Expert. Accessed 2026-09-16.
8. [All In One Insurance Risk Advisory to Protect Your Business](https://joinalliancerisk.com/). Alliance Risk; Why Us?; footer brokerage disclosure. Accessed 2026-09-16.
9. [Alliance Products](https://joinalliancerisk.com/coverages/). Alliance Risk; Coverages product cards, from Accountant Professional Liability through Wrap-Up Insurance. Accessed 2026-09-16.
10. [Tech E&O Insurance](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/). Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16.
11. [Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together](https://joinalliancerisk.com/management-liability-insurance/). Alliance Risk; Closing offer to recommend a package or standalone approach; three core lines. Accessed 2026-09-16.

### [THREE by Berkshire Hathaway Official Website](https://threeinsurance.com/)

12. [THREE by Berkshire Hathaway — small business insurance](https://threeinsurance.com/). Berkshire Hathaway Direct Insurance Company, dba THREE; Issuer, business focus, and industry scope, lines 70–81; quote/advisor route, lines 405–420; DBA footer, lines 432–434. Accessed 2026-09-28.
13. [The Policy](https://threeinsurance.com/the-policy). Berkshire Hathaway Direct Insurance Company, dba THREE; Sample declarations, limits and three-day Business Interruption waiting period (lines 58–76); Section I: interruption follows a property loss the insurer pays and ends on resumed normal operations or an applicable limit (lines 82–86); Section III: machinery/equipment/listed vehicles stopping without an accident are excluded (lines 104–112). Accessed 2026-09-29.
14. [FAQs: Understanding THREE](https://threeinsurance.com/faqs). Berkshire Hathaway Direct Insurance Company, dba THREE; Quote save/resume, lines 73–76; claim/update routes, lines 78–89; product-not-company wording, lines 98–100; one-year policy/payment terms, lines 129–130; servicing requests, lines 141–157. Accessed 2026-09-28.
15. [Terms & Conditions](https://threeinsurance.com/terms-conditions). Berkshire Hathaway Direct Insurance Company, dba THREE; BHDIC dba THREE, lines 20–23; recurring automatic bank draft qualification, lines 27–33. Accessed 2026-09-28.
16. [Filing a Claim: Call to get started](https://threeinsurance.com/claims). Berkshire Hathaway Direct Insurance Company, dba THREE; Online/phone claims and account-manager assignment, lines 24–43; claim updates, lines 59–61. Accessed 2026-09-28.
17. [Become a THREE Partner](https://threeinsurance.com/become-a-three-partner). Berkshire Hathaway Direct Insurance Company, dba THREE; Partner-agency program and platform permissions, lines 6–18; state availability, lines 30–35. Accessed 2026-09-28.
18. [Berkshire Hathaway Inc. 2025 Annual Report / Form 10-K](https://www.berkshirehathaway.com/2025ar/202510-k.pdf). Berkshire Hathaway Inc.; 2025 annual report, PDF page 5, printed K-4, lines 303–308: BH Direct and GUARD joint SMB focus; BH Direct platforms/admitted products. Accessed 2026-09-28.
19. [Links to Berkshire Hathaway Subsidiary Companies](https://www.berkshirehathaway.com/subs/sublinks.html). Berkshire Hathaway Inc.; Published subsidiary-company list; BHDIC (THREE), BHSI, and biBERK shown separately, lines 11–16. Accessed 2026-09-28.
20. [THREE online quote application](https://quotes.threeinsurance.com/). Berkshire Hathaway Direct Insurance Company, dba THREE; THREE online quote entry point inspected; the page is a route to begin an application. No form was submitted or quote generated; this source alone does not establish customer self-binding. Accessed 2026-09-28.
21. [Business Owners Policy | THREE](https://threeinsurance.com/business-owners-policy). Berkshire Hathaway Direct Insurance Company, dba THREE; Product page explicitly markets Business Liability categories (including liquor liability if required), Property (including equipment breakdown and inland marine), Business Auto (including cargo liability and hired/non-owned), Business Interruption, Cyber and Workers’ Compensation, within one combined policy description (lines 8–9, 19–21, 23–76); BHDIC dba THREE footer (lines 93–94). Accessed 2026-09-29.
22. [Benefits | THREE](https://threeinsurance.com/benefits). Berkshire Hathaway Direct Insurance Company, dba THREE; Page copy: commercial coverage category descriptions for liability, cyber, property/business interruption, business auto and workers compensation; describes product benefits, not a complete policy form. Accessed 2026-09-29.
23. [THREE logo SVG](https://threeinsurance.com/three-logo.svg). Berkshire Hathaway Direct Insurance Company, dba THREE; Direct official SVG asset; viewBox 0 0 720 253; embedded title “Three by Berkshire Hathaway”; downloaded and preserved byte-for-byte as assets/three-logo.svg. Accessed 2026-09-29.

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/compare/alliance-risk-vs-three.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)