Amelia Risk vs 
THREE by Berkshire Hathaway: How Do They Compare for Business Owner’s Policy?
What Is Amelia Risk?
Amelia Risk is a San Francisco brokerage for startups, CPG and consumer-product companies that want an advisor to shop multiple insurers; buyers seeking a direct online purchase should look elsewhere. Ask about fees before appointing it. 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. 8,9
Read the THREE by Berkshire Hathaway profile
Read the THREE by Berkshire Hathaway Business Owner’s Policy page
What Is a Business Owner’s Policy?
A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. 11,12
Key Differences in Business Owner’s Policy
Who the package is described for
Amelia Risk specifically places its BOP for startup and technology clients, and distinguishes that service from its consumer-products practice, where it lists liability lines separately. THREE presents a combined BOP for small-business prospects without that startup or technology qualification on the reviewed product page. A technology founder can therefore ask Amelia Risk about a named specialist fit, while a business outside that segment should compare its own eligibility directly with THREE’s quote. 4 10
Auto within the named bundle
Amelia Risk specifies property, general liability, and hired and non-owned auto in its BOP description. THREE describes a combined policy with multiple categories but does not name those specific components in the reviewed BOP record. If your team rents cars or employees use personal vehicles for work, ask THREE whether hired and non-owned auto is part of the offered package; Amelia Risk’s description gives you a concrete inclusion to compare, subject to the policy wording. 4 10
What to Confirm in Business Owner’s Policy Quotes
- Ask Amelia Risk whether your startup or technology business fits its BOP placement and request the hired and non-owned auto wording. 4 4
- Ask THREE to identify each coverage category in the quote, including hired and non-owned auto if needed. 10
- Confirm whether either proposal separates auto liability from the package in your state and for your business class. 4 10
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.
Amelia Risk
Review Score
1 rated source
Amelia Risk’s only matched public rating is 1/5 from one Google-linked local listing. That is a warning to investigate, but too little feedback to judge the firm’s overall service.[7]
Read Amelia 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
Amelia Risk vs THREE by Berkshire Hathaway: Business Owner’s Policy: documented features by provider
| Criteria | Amelia Risk Businessowners Policy (BOP) Brokerage | THREE Business Owners Policy |
|---|---|---|
| Role in This Line | Amelia Risk lists a Businessowners Policy (BOP) as one of the policies it arranges for startup and technology clients, bundling several coverages under one policy rather than placing them separately. 4,5Company-reported. Startup and technology specialty pages' policy checklists; does not establish that every client receives a bundled BOP versus separate policies. | THREE presents its Business Owners Policy as a combined product containing multiple business coverage categories. 10Company-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 | The reviewed pages do not name an insurer for the BOP. As a brokerage, Amelia Risk places the policy with an underwriter chosen for the client rather than issuing it itself. 4,5Not publicly disclosed. Startup and technology specialty pages as read on 2026-09-23; no policy form or declarations page was available for review. | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. 9Company-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 | Amelia Risk offers the bundled BOP to its startup and technology clients specifically. Its CPG and consumer-product specialty lists do not include a BOP line; they list general liability and auto liability (owned, hired and non-owned) as separate coverages instead. 4,5,6,7Company-reported. Comparison of the four specialty pages' policy checklists as published; does not establish why the bundling differs by segment. | The reviewed product page does not state separate eligibility rules for Business Owners Policy; the general quote and advisor route is not proof that a particular business qualifies for it. 10,8Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms. |
| Coverage Features | Amelia Risk describes its BOP as combining property, general liability, and hired & non-owned auto liability coverage into a single policy. 4,5Company-reported. Bulleted policy structure on the startup and technology specialty pages; the issued policy and its forms control actual terms. | THREE labels its combined product a Business Owners Policy and describes multiple business coverages in one policy. The reviewed product page does not establish the exact protections included in a particular quote or issued contract. 10,9Company-reported. Company's description of the U.S. packaged product; a product name is not a policy entitlement. The buyer's state-specific quote, declarations, and forms control. |
| Limits and Retentions | Amelia Risk's BOP listings do not publish limits, sublimits or deductibles for the property, general liability or auto components. 4,5Not publicly disclosed. Startup and technology specialty pages as read on 2026-09-23. | The reviewed public product page does not state a separate limit or deductible for Business Owners Policy; THREE says the quote-specific insurance summary lists limits and deductibles. 10,9Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible. |
| Risk Services | The pages listing the BOP do not describe property inspections, safety programs or other risk-control services tied specifically to the BOP; the only service language is the general claims-advocacy and quote-review process described for all lines. 4,5,2Not found in reviewed sources. Startup, technology and specialties overview pages as read on 2026-09-23. | 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. 8Company-reported. This is the route for the overall THREE product. It does not show whether Business Owners Policy will be offered for a particular business or whether a customer can bind that line without an issued policy. |
Full Comparison
More Amelia Risk vs THREE by Berkshire Hathaway Comparisons
Other Business Owner’s Policy Comparisons
Sources
Amelia Risk
- Amelia Risk Insurance Brokers. Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset. Accessed 2026-09-16.
- Our Specialties. Amelia Risk Insurance Brokers; Our Process: four steps — understand the business, represent the client to insurers, review quotes and recommendation, client decides. Accessed 2026-09-23.
- About Us. Amelia Risk Insurance Brokers; Opening brokerage description; How we're different (no multiple PDFs to print, sign, and scan); We do the right thing (underwriters, wholesale brokers, and strategic partners). Accessed 2026-09-16.
- Insurance For Startups. Amelia Risk Insurance Brokers; Insurance policies for startups to consider: Businessowners Policy (BOP) — Property, General Liability, Hired & Non-Owned Auto Liability. Accessed 2026-09-23.
- Insurance For Technology Companies. Amelia Risk Insurance Brokers; Insurance policies for tech companies to consider: Businessowners Policy (BOP) — Property, General Liability, Hired & Non-Owned Auto Liability; separate General Liability line also listed. Accessed 2026-09-23.
- Insurance For CPG Companies. Amelia Risk Insurance Brokers; Insurance policies for CPG companies to consider: no Businessowners Policy line; General Liability and Auto Liability (Owned and Non-Owned & Hired) listed separately instead. Accessed 2026-09-23.
- Consumer Product Insurance. Amelia Risk Insurance Brokers; Insurance policies for Consumer Product companies to consider: no Businessowners Policy line; Auto Liability (Owned and Non-Owned & Hired) listed separately instead. 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.
Business Owner’s Policy Guide
- Small Business. National Association of Insurance Commissioners; FAQ: What’s a business owners policy?; What’s general liability insurance. Accessed 2026-09-16.
- Business Interruption and Business Owner Policy. National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.
