Alliance Risk vs THREE by Berkshire Hathaway: How Do They Compare for Cyber Insurance?

Alliance Risk designs cyber programs backed by breach response planning, forensic support and advisory, as a brokerage that arranges placement rather than underwriting the policy itself. ^4,5Company-reported. Cyber product page, opening section, and the general brokerage disclosure on the coverage catalogue page.

THREE presents Cyber 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.

The cyber page does not name the insurer that would issue an Alliance Risk-placed cyber policy. It separately lists carriers active in the broader cyber market, including Chubb, AIG, Coalition, Hiscox and others, as general market education rather than as Alliance's own carrier panel. ⁴Not publicly disclosed. Cyber product page, Choosing Cyber Insurance Carriers and Brokers section, as read on 2026-09-23.

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.

Confirm in your quote.

The reviewed product page does not state separate eligibility rules for Cyber; 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.

Alliance Risk's cyber offering combines first-party coverage (data recovery, business interruption, breach notification, credit monitoring, forensic investigation, crisis management and cyber extortion or ransomware payments) with third-party coverage (legal defense, settlements and judgments, regulatory fines and penalties, PCI-DSS assessments, and media liability). ⁴Company-reported. Cyber product page, First-Party vs. Third-Party Cyber Coverage section; actual policy structure depends on the carrier and the policy as issued.

Alliance Risk says its cyber programs include coverage for legal expenses and fines imposed by data protection authorities such as the FTC, HIPAA enforcers or GDPR enforcers. ⁴Company-reported. Cyber product page, The Alliance Risk Difference section.

THREE's Business Owners Policy page lists Cyber Liability 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 Cyber. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy.

Alliance Risk's cyber page says most small businesses buy $1 million per-occurrence and $1 million aggregate limits with roughly $2,500 deductibles, and it publishes a recommended-limit table by business profile, ranging from $500,000-$1 million for sole proprietors to $5 million or more for healthcare and finance companies. These are general guidance, not a quoted limit for a specific business. ⁴Company-reported. Cyber product page, How Much Cyber Insurance Do You Need? section.

The reviewed public product page does not state a separate limit or deductible for Cyber; 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.

Alliance Risk says it provides dedicated incident response planning ahead of a breach, with designated forensic, legal and notification vendors on standby, along with data exposure and network vulnerability analysis. ⁴Company-reported. Cyber product page, Our Approach to Cyber Liability and The Alliance Risk Difference sections.

Alliance Risk says its cyber programs often come bundled with proactive security services from cybersecurity vendors, such as vulnerability scans, employee security training and phishing simulations. ⁴Company-reported. Cyber product page, The Alliance Risk Difference section.

Confirm in your quote.

You request a cyber quote or book a risk assessment with an Alliance Risk advisor through the calls to action on the cyber product page; the page does not list specific underwriting information required for a cyber submission. ⁴Company-reported. Cyber product page quote and consultation calls to action.

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 Cyber will be offered for a particular business or whether a customer can bind that line without an issued policy.