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

Alliance Risk arranges inland and ocean marine placements as a brokerage; the product page describes the two coverages it places rather than an Alliance-issued policy, and does not name an issuing insurer. ^4,5Company-reported. Inland & ocean marine product page and the general brokerage disclosure on the coverage catalogue page.

THREE presents Inland Marine 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.

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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.

Alliance Risk lists contractors with mobile equipment, logistics and shipping companies, retailers and wholesalers shipping goods, import/export businesses, and museums, art dealers and jewelers as common inland and ocean marine buyers. ⁴Company-reported. Inland & ocean marine product page, Who Needs Inland & Ocean Marine Insurance? section.

The reviewed product page does not state separate eligibility rules for Inland Marine; 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 describes Inland Marine coverage for tools and equipment in trucks, installations before delivery, fine arts and specialty items in transit, contractor's equipment on job sites, and off-premises storage. ⁴Company-reported. Inland & ocean marine product page, What Does Inland Marine Insurance Cover? section.

Alliance Risk separately describes Ocean Marine coverage for cargo shipped internationally by sea, shipping containers, vessels and freight, hull and machinery, and liability for maritime accidents. ⁴Company-reported. Inland & ocean marine product page, What Does Ocean Marine Insurance Cover? section.

Alliance Risk's page says the coverage excludes general wear and tear or damage from poor packaging, losses outside the policy territory unless it is written as global, business income loss unless endorsed, and flood unless specifically included in an ocean marine policy. ⁴Company-reported. Inland & ocean marine product page, What Doesn't Inland & Ocean Marine Insurance Cover? section.

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

Alliance Risk's page gives illustrative annual premium ranges ($300-$2,500 for small-equipment inland marine, $2,000-$25,000 for ocean marine cargo, $10,000+ for marine hull or liability) but does not publish specific coverage limits, deductibles or per-shipment sublimits. ⁴Not publicly disclosed. Inland & ocean marine product page as read on 2026-09-23.

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

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