--- title: "Alliance Risk vs THREE by Berkshire Hathaway: Equipment Breakdown Insurance" description: "Alliance Risk describes equipment-failure protections and exclusions; THREE lists the line as a component of its combined BOP." canonical: "https://spot.insure/compare/alliance-risk-vs-three/equipment-breakdown" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "alliance-risk-vs-three" provider-a: "alliance-risk" provider-b: "three" coverage-line: "equipment-breakdown" --- 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/equipment-breakdown) ## Agent Guide **What this page is:** Focused comparison of Alliance Risk and THREE by Berkshire Hathaway for Equipment Breakdown Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Equipment Breakdown Insurance questions about Alliance Risk versus THREE by Berkshire Hathaway. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Alliance Risk vs THREE by Berkshire Hathaway for Equipment Breakdown Insurance: how do they differ? - Which is better for Equipment Breakdown Insurance, Alliance Risk or THREE by Berkshire Hathaway? - What does Alliance Risk or THREE by Berkshire Hathaway publish about Equipment Breakdown Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Equipment Breakdown Insurance from Alliance Risk or THREE by Berkshire Hathaway? **Key facts:** - Line: Equipment Breakdown Insurance. Providers: Alliance Risk and THREE by Berkshire Hathaway. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy. **Related pages:** - [Alliance Risk vs THREE by Berkshire Hathaway](https://spot.insure/compare/alliance-risk-vs-three) — parent: all coverage lines for this pair - [Equipment Breakdown Insurance guide](https://spot.insure/coverage/equipment-breakdown) — coverage explainer for this line - [Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk) — provider profile (evidence) - [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence) - [Alliance Risk vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-three/cyber) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/alliance-risk-vs-three/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/employment-practices) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/fiduciary) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/general-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/liquor-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Alliance Risk Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-alliance-risk/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [AIG vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-three/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs The Baldwin Group Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Chubb Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs CNA Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-cna/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Coverdash Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-coverdash/equipment-breakdown) — sibling comparison (other line, or other pair for this line) # Alliance Risk vs THREE by Berkshire Hathaway: How Do They Compare for Equipment Breakdown Insurance? Alliance Risk describes equipment-failure protections and exclusions; THREE lists the line as a component of its combined BOP. ## How to Use the Alliance Risk vs THREE by Berkshire Hathaway Equipment Breakdown Insurance Comparison Use this comparison to evaluate Alliance Risk and THREE by Berkshire Hathaway for Equipment Breakdown Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Alliance Risk vs THREE by Berkshire Hathaway Equipment Breakdown Insurance Summary Alliance Risk describes mechanical and electrical failures, related downtime, and spoilage as typical equipment-breakdown coverage; THREE lists the line among BOP categories. [4](https://joinalliancerisk.com/equipment-breakdown-insurance/ "Equipment Breakdown Insurance") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") ## 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](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") [2](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") [3](https://joinalliancerisk.com/get-a-quote/ "Get a Quote") [Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk) ## 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. [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) ## What Is Equipment Breakdown Insurance? Equipment-breakdown coverage can help repair covered machinery or building equipment after a mechanical or electrical failure. It fits businesses that depend on equipment to operate; check whether lost income, spoilage and utility failures are included. [8](https://www.iii.org/article/understanding-commercial-package-policies "Understanding Commercial Package Policies") [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://www.travelers.com/risk-control/specialties/equipment-breakdown "Equipment Breakdown") [11](https://www.munichre.com/content/dam/munichre/hsb/hsb-iic/documents/hsb-techadvantage-equipment-breakdown-coverage-form.pdf/_jcr_content/renditions/original./hsb-techadvantage-equipment-breakdown-coverage-form.pdf "HSB TechAdvantage Equipment Breakdown Coverage Form") ## What Are the Key Differences Between Alliance Risk and THREE by Berkshire Hathaway Equipment Breakdown Insurance? ### Breakdown Triggers and the Sample Exclusion Alliance Risk says equipment-breakdown policies typically address mechanical failure, electrical failure, boiler or pressure-system damage, resulting business-income loss, and spoilage after a covered breakdown. THREE lists Equipment Breakdown in its BOP, while its sample policy excludes some machinery or equipment that stops without an accident; the published materials do not establish how a quoted breakdown item changes that exclusion. A buyer with refrigeration or production machinery should compare the endorsement and sample exclusion together, not rely on the category name. [4](https://joinalliancerisk.com/equipment-breakdown-insurance/ "Equipment Breakdown Insurance") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") ### Brokered Placement or Package Purchase Alliance Risk says it arranges the line through insurers and that equipment breakdown is often added to a property policy or BOP. THREE presents the coverage as one part of its combined BOP and offers an online quote with advisor assistance. The buyer can compare the property program where Alliance Risk places the protection with the equipment terms scheduled in a THREE package. [4](https://joinalliancerisk.com/equipment-breakdown-insurance/ "Equipment Breakdown Insurance") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") ## What Should You Confirm in Alliance Risk and THREE by Berkshire Hathaway Equipment Breakdown Insurance Quotes? - Ask Alliance Risk which carrier is proposing the coverage and whether spoilage and resulting business income are included for the equipment at issue. [4](https://joinalliancerisk.com/equipment-breakdown-insurance/ "Equipment Breakdown Insurance") - Ask THREE whether the equipment-breakdown wording changes the sample policy’s stoppage exclusion, and request the applicable limit and deductible. [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") ## Alliance Risk vs THREE by Berkshire Hathaway Equipment Breakdown Compared | Criteria | Alliance Risk Equipment Breakdown Insurance | THREE Business Owners Policy | | --- | --- | --- | | Role in This Line | 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. [4](https://joinalliancerisk.com/equipment-breakdown-insurance/ "Equipment Breakdown Insurance") (Evidence: Company-reported; scope: 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. [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: 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 | The reviewed equipment breakdown page does not name the insurer that would issue a policy for a given buyer. [4](https://joinalliancerisk.com/equipment-breakdown-insurance/ "Equipment Breakdown Insurance") (Evidence: Not publicly disclosed; scope: Equipment breakdown product page as read on 2026-09-23..) | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: 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 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. [4](https://joinalliancerisk.com/equipment-breakdown-insurance/ "Equipment Breakdown Insurance") (Evidence: Company-reported; scope: 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms..) | | Coverage Features | 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. [4](https://joinalliancerisk.com/equipment-breakdown-insurance/ "Equipment Breakdown Insurance") (Evidence: Company-reported; scope: 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: 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..) | | Limits and Retentions | 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. [4](https://joinalliancerisk.com/equipment-breakdown-insurance/ "Equipment Breakdown Insurance") (Evidence: Not found in reviewed sources; scope: 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible..) | | Risk Services | 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. [4](https://joinalliancerisk.com/equipment-breakdown-insurance/ "Equipment Breakdown Insurance") (Evidence: Not found in reviewed sources; scope: Equipment breakdown product page as read on 2026-09-23..) | Confirm in your quote. | | How to Apply | 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. [4](https://joinalliancerisk.com/equipment-breakdown-insurance/ "Equipment Breakdown Insurance") (Evidence: Not found in reviewed sources; scope: 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. [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: 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..) | | Claims Support | The reviewed equipment breakdown page does not describe an Alliance Risk claims-handling or claims-advocacy process for this line. [4](https://joinalliancerisk.com/equipment-breakdown-insurance/ "Equipment Breakdown Insurance") (Evidence: Not found in reviewed sources; scope: Equipment breakdown product page as read on 2026-09-23..) | Confirm in your quote. | ## Related Pages for Alliance Risk vs THREE by Berkshire Hathaway - [Alliance Risk vs THREE by Berkshire Hathaway](https://spot.insure/compare/alliance-risk-vs-three): all coverage lines, business roles, service and claims. - [What Is Equipment Breakdown Insurance?](https://spot.insure/coverage/equipment-breakdown): Equipment breakdown can help repair covered machinery after mechanical or electrical failure; check whether downtime, spoilage and utility interruption are also covered. - [Alliance Risk vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-three/business-owners-policy) - [Alliance Risk vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-auto) - [Alliance Risk vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-property) - [Alliance Risk vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-three/cyber) - [Alliance Risk vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/alliance-risk-vs-three/directors-officers) - [Alliance Risk vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/employment-practices) - [Alliance Risk vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/fiduciary) - [Alliance Risk vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/general-liability) - [Alliance Risk vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-three/inland-marine) - [Alliance Risk vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/liquor-liability) - [Alliance Risk vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-three/professional-errors-omissions) - [Alliance Risk vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-three/workers-compensation) - [AIG vs Alliance Risk Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-alliance-risk/equipment-breakdown) - [AIG vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-three/equipment-breakdown) - [Alliance Risk vs The Baldwin Group Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/equipment-breakdown) - [Alliance Risk vs Chubb Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/equipment-breakdown) - [Alliance Risk vs CNA Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-cna/equipment-breakdown) - [Alliance Risk vs Coverdash Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-coverdash/equipment-breakdown) ## Sources for Alliance Risk vs THREE by Berkshire Hathaway ### Sources About Alliance Risk 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. [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. 3. [Get a Quote](https://joinalliancerisk.com/get-a-quote/). Alliance Risk; Request form; Prefer to Call?; Why Alliance Risk? section. Accessed 2026-09-16. 4. [Equipment Breakdown Insurance](https://joinalliancerisk.com/equipment-breakdown-insurance/). Alliance Risk; What Is Equipment Breakdown Insurance?; Who Needs Equipment Breakdown Insurance?; What Does/Doesn't Equipment Breakdown Insurance Cover?; How Much Does Equipment Breakdown Insurance Cost?; Risk Management Tips. Accessed 2026-09-23. ### Sources About THREE by Berkshire Hathaway 5. [Jargon-free small business insurance - THREE by Berkshire Hathaway](https://threeinsurance.com/). 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. 6. [The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway](https://threeinsurance.com/the-policy). 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. 7. [Business Owners Policy - THREE by Berkshire Hathaway](https://threeinsurance.com/business-owners-policy). 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. ### Sources for the Equipment Breakdown Insurance Guide 8. [Understanding Commercial Package Policies](https://www.iii.org/article/understanding-commercial-package-policies). Insurance Information Institute; Available CPP additions: Equipment breakdown. Accessed 2026-09-16. 9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Boiler and Machinery; Commercial Property: Covered Causes of Loss; Commercial Property: Time Element; Inland Marine; Coverage Forms and/or Specialty Coverages. Accessed 2026-09-16. 10. [Equipment Breakdown](https://www.travelers.com/risk-control/specialties/equipment-breakdown). Travelers; Definition and equipment list. Accessed 2026-09-16. 11. [HSB TechAdvantage Equipment Breakdown Coverage Form](https://www.munichre.com/content/dam/munichre/hsb/hsb-iic/documents/hsb-techadvantage-equipment-breakdown-coverage-form.pdf/_jcr_content/renditions/original./hsb-techadvantage-equipment-breakdown-coverage-form.pdf). The Hartford Steam Boiler Inspection and Insurance Company; G.1 Accident, PDF p.17; A.2.a–c p.1; C.2 pp.8–9; C pp.8–9; D pp.9–10; E.10 Valuation, PDF pp.13–14; G.10–11 pp.18–19; A.2.n p.5 (Off Premises Equipment Breakdown); A.2.p pp.5–6; A.2.r p.6; G.18 p.20 (Interruption of Service). Accessed 2026-09-16. Updated 2026-10-01. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Alliance Risk Review Scores for 2026 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 Review Scores for 2026 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). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/alliance-risk-vs-three/equipment-breakdown.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)