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

Alliance Risk arranges equipment breakdown insurance (sometimes called boiler and machinery insurance) as a broker, and says it is often bundled into a Property or Business Owner's Policy for a small additional premium rather than sold only as a standalone policy. ⁴Company-reported. Equipment breakdown product page.

THREE presents Equipment Breakdown as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. ⁷Company-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 reviewed equipment breakdown page does not name the insurer that would issue a policy for a given buyer. ⁴Not publicly disclosed. Equipment breakdown product page as read on 2026-09-23.

The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. ⁶Company-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.

Alliance Risk targets equipment breakdown coverage at businesses relying on machinery, electronics or HVAC systems, naming manufacturers, processing plants, restaurants and commercial kitchens, hospitals and clinics, real estate operators, data centers, financial institutions and tech companies. ⁴Company-reported. Equipment breakdown product page; eligibility for a particular company depends on underwriting.

The reviewed product page does not state separate eligibility rules for Equipment Breakdown; the general quote and advisor route is not proof that a particular business qualifies for it. ^7,5Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms.

Alliance Risk lists mechanical breakdown, electrical failure, boiler explosion or pressure-system damage, business income loss and spoilage from a covered breakdown as typically covered, and says routine wear and tear, software failures or data loss, damage from external perils like fire or flood, and cosmetic damage are excluded and belong to other coverage such as property insurance. ⁴Company-reported. Equipment breakdown product page; coverage and exclusions described in general terms, subject to the policy as issued.

THREE's Business Owners Policy page lists Equipment Breakdown, while its sample policy also excludes some machinery, equipment, or listed vehicles that stop without an accident. The public materials do not establish how an offered equipment-breakdown item changes that sample exclusion. ^7,6Company-reported. Company marketing and the displayed sample policy only; the selected quote, state-specific forms, and endorsements determine whether a specific equipment breakdown loss is covered.

The reviewed equipment breakdown page gives cost ranges by business size (for example, small businesses at $300-$2,500 annually up to larger or industrial businesses at $5,000-$20,000-plus) but does not publish specific coverage limits, retentions or deductible amounts for this line. ⁴Not found in reviewed sources. Equipment breakdown product page as read on 2026-09-23; cost figures are illustrative premium estimates, not published limits.

The reviewed public product page does not state a separate limit or deductible for Equipment Breakdown; THREE says the quote-specific insurance summary lists limits and deductibles. ^7,6Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible.

The reviewed equipment breakdown page does not describe a dedicated risk-control service or specialist team for this line beyond generic risk-management tips such as scheduling preventive maintenance and installing surge protectors. ⁴Not found in reviewed sources. Equipment breakdown product page as read on 2026-09-23.

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The equipment breakdown page's only application route is a generic 'Get a quote' request; it does not list the specific submission information Alliance Risk asks for on this line, unlike its D&O, EPLI and fiduciary product pages. ⁴Not found in reviewed sources. Equipment breakdown product page as read on 2026-09-23.

THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. ⁵Company-reported. This is the route for the overall THREE product. It does not show whether Equipment Breakdown will be offered for a particular business or whether a customer can bind that line without an issued policy.

The reviewed equipment breakdown page does not describe an Alliance Risk claims-handling or claims-advocacy process for this line. ⁴Not found in reviewed sources. Equipment breakdown product page as read on 2026-09-23.

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