Alliance Risk vs 
THREE by Berkshire Hathaway: How Do They Compare for Commercial Auto Insurance?
What Is Alliance Risk?
Alliance Risk suits tech startups from pre-seed through IPO that want a broker to review their tech E&O policy for free and shop specialist insurers; if you want to buy online in minutes, use a digital insurer. Quotes take 24 hours to ten business days, depending on your risk. 1,2,3
THREE small business insurance: coverage, issuer and buying routes
THREE markets a packaged commercial insurance product through a direct quote route and partner agents. Berkshire Hathaway Direct Insurance Company is named as issuer on THREE’s sample policy. 6,7
Read the THREE by Berkshire Hathaway profile
Read the THREE by Berkshire Hathaway Commercial Auto Insurance page
What Is Commercial Auto Insurance?
Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. 9,10,11,12
Key Differences in Commercial Auto Insurance
Vehicle coverage and package role
Alliance Risk arranges commercial auto as a brokerage and lists liability, collision, comprehensive, uninsured and underinsured motorist, and medical payments or personal injury protection. It also names hired and non-owned auto as an option for employees using personal or rented vehicles on the job. THREE lists Business Auto within its combined BOP rather than describing it as a separate standalone policy; its page does not establish what auto protection a particular quote includes. Ask whether your fleet can be insured separately or only within the package. 4 8
Fleet support
Alliance Risk describes fleet and usage analysis, driver-safety programs, telematics and GPS integrations, and claims advisors for accident scenarios. THREE’s reviewed offering does not describe comparable fleet services; it directs small-business prospects to an online quote and licensed advisor help. For a business with multiple vehicles or employee drivers, compare the safety and claims support included in the broker conversation with the services available through the package quote. 4 6
What to Confirm in Commercial Auto Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Alliance Risk
Review Score
No reviews found
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.[1][4][6]
Read Alliance Risk reviewsTHREE by Berkshire Hathaway
Review Score
2 rated sources
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.[4][3][1][2]
Read THREE by Berkshire Hathaway reviewsOffering Details
Alliance Risk vs THREE by Berkshire Hathaway: Commercial Auto Insurance: documented features by provider
| Criteria | Alliance Risk Commercial Auto Insurance | THREE Business Owners Policy |
|---|---|---|
| Role in This Line | Alliance Risk arranges commercial auto placements as a brokerage rather than underwriting the coverage itself, per its general brokerage disclosure. 5Company-reported. General brokerage disclosure on the coverage catalogue page, applied to the commercial auto line. | THREE presents Business Auto as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. 8Company-reported. Company-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant. |
| Issuing Insurer | Alliance Risk's commercial auto page says it accesses "top auto carriers" through its relationships to secure pricing and coverage, but does not name a specific issuing insurer for commercial auto policies. 4Not publicly disclosed. Commercial auto product page, The Alliance Risk Difference section. | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. 7Company-reported. This is the issuer named on the public sample only; the sample does not establish the issuing entity for every state-specific quote or buyer's issued policy. |
| Who It’s For | Alliance Risk lists construction and contracting, logistics and delivery services, food and beverage distributors, landscaping and service trades, and sales teams with mobile operations as common commercial auto buyers. 4Company-reported. Commercial auto product page, Who Needs Commercial Auto Insurance? section. | The reviewed product page does not state separate eligibility rules for Business Auto; the general quote and advisor route is not proof that a particular business qualifies for it. 8,6Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms. |
| Coverage Features | Alliance Risk's commercial auto offering covers auto liability, collision, comprehensive, uninsured/underinsured motorist and medical payments or personal injury protection, plus optional hired and non-owned auto (HNOA) liability for employees driving personal or rented vehicles on the job. 4Company-reported. Commercial auto product page; actual policy structure depends on the carrier and the policy as issued. | THREE's Business Owners Policy page lists Business Auto among its marketed coverage categories in the combined policy. This describes the product page, not whether the category appears in a particular quote or responds to a loss. 8,7Company-reported. Official THREE package marketing for Business Auto. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy. |
| Limits and Retentions | Alliance Risk's commercial auto page gives typical annual premium ranges ($1,200-$2,400 per vehicle for small businesses, $3,000-$10,000+ for larger fleets) but does not publish specific liability limits or deductibles. 4Not publicly disclosed. Commercial auto product page as read on 2026-09-23. | The reviewed public product page does not state a separate limit or deductible for Business Auto; THREE says the quote-specific insurance summary lists limits and deductibles. 8,7Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible. |
| Risk Services | Alliance Risk describes a fleet and usage analysis for commercial auto clients, plus driver safety programs, telematics and GPS tracking integrations, and industry-specific underwriting for sectors like contracting, logistics and real estate. 4Company-reported. Commercial auto product page, Our Approach to Commercial Auto and The Alliance Risk Difference sections. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. 6Company-reported. This is the route for the overall THREE product. It does not show whether Business Auto will be offered for a particular business or whether a customer can bind that line without an issued policy. |
| Claims Support | Alliance Risk says its claims advisors help clients navigate commercial auto accident scenarios, aiming for fast and cost-effective resolution. 4Company-reported. Commercial auto product page, The Alliance Risk Difference section; outcome statements are company-reported and not independently verified. | Confirm in your quote. |
Full Comparison
More Alliance Risk vs THREE by Berkshire Hathaway Comparisons
Other Commercial Auto Insurance Comparisons
Sources
Alliance Risk
- 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.
- Tech E&O Insurance. Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16.
- Get a Quote. Alliance Risk; Request form; Prefer to Call?; Why Alliance Risk? section. Accessed 2026-09-16.
- Commercial Auto Insurance. Alliance Risk; Commercial Auto Insurance That Drives Confidence; Our Approach to Commercial Auto; The Alliance Risk Difference; Who Needs Commercial Auto Insurance?; What Does Commercial Auto Insurance Cover?; How Much Does Commercial Auto Insurance Cost? Accessed 2026-09-23.
- Alliance Products. Alliance Risk; Footer brokerage disclosure: "Alliance Risk is an insurance brokerage focused on providing clients with commercial insurance across a wide array of industries.". Accessed 2026-09-23.
THREE by Berkshire Hathaway
- Jargon-free small business insurance - THREE by Berkshire Hathaway. Berkshire Hathaway Direct Insurance Company, dba THREE; Lines 23, 39, 70–81 and 406–410: business location quote entry, single-policy description, issuer, business focus, online quote and licensed Small Business Advisor route. Quote entry inspected without submitting a form. Accessed 2026-09-30.
- The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway. Berkshire Hathaway Direct Insurance Company, dba THREE; State-selectable sample policy: Summary (Declarations) identifies Berkshire Hathaway Direct Insurance Company as issuer and says the insurance summary lists limits and deductibles; sample policy text and state selection do not establish terms for a particular quote or issued policy. Accessed 2026-09-30.
- Business Owners Policy - THREE by Berkshire Hathaway. Berkshire Hathaway Direct Insurance Company, dba THREE; Product page: “No need for multiple policies” and one comprehensive policy; Business Liability, Property and Business Auto categories and the listed line names. Product page footer identifies Berkshire Hathaway Direct Insurance Company, dba THREE. Accessed 2026-09-30.
Commercial Auto Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Commercial Automobile: Coverage, Classification and Limits. Accessed 2026-09-16.
- Auto Insurance. NAIC; Coverages. Accessed 2026-09-16.
- Business Vehicle Insurance. Insurance Information Institute; Will My Personal Auto Policy Cover Business Use?; What Vehicles Are Covered?; What Coverage Do I Need if Employees Drive Their Personal Vehicles for Business?; Does a Business Umbrella Cover Autos?; Do I Need a Business Auto Policy?; Be Sure the Right Insured Is on the Policy. Accessed 2026-09-16.
- Business Auto Coverage Form. Insurance Services Office, Inc.; hosted by National General; I.A, printed/PDF page 1; II.A.1, printed/PDF page 2; III.C–D, printed/PDF page 6; II.B.6, printed/PDF page 3; III.B.3, printed/PDF page 6. Accessed 2026-09-16.
