---
title: "Armilla vs THREE"
description: "Armilla focuses on AI liability insurance, AI performance warranties and model-assessment services; its AI liability is described as surplus-lines insurance underwritten by certain Lloyd’s underwriters."
canonical: "https://spot.insure/compare/armilla-vs-three"
page-type: "provider-comparison"
updated-at: "2026-09-30"
---

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[Human-readable page](https://spot.insure/compare/armilla-vs-three)

# Armilla vs THREE

Armilla focuses on AI liability insurance, AI performance warranties and model-assessment services; its AI liability is described as surplus-lines insurance underwritten by certain Lloyd’s underwriters.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Highlights

Armilla focuses on AI liability insurance, AI performance warranties and model-assessment services; its AI liability is described as surplus-lines insurance underwritten by certain Lloyd’s underwriters. THREE is a BHDIC-issued small-business package. The products address different buyer questions and should not be treated as equivalent coverage. [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") [9](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance")

## Provider Reliability Assessments

These sourced assessments are shown for context; this comparison does not select a winner.

### Armilla

Role: Managing general agent.

Carrier & MGA Spot Score: **5.2/10** (partial score; 10% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Financial Resilience (The available financial evidence does not establish resources and material capacity arrangements across the assessed entities and role.); Claims and Servicing (The evidence does not sufficiently establish responsibility, access and escalation across the assessed services.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/armilla/reliability).

### THREE by Berkshire Hathaway

Role: Insurance carrier.

Carrier & MGA Spot Score: **Not Rated**. Assessed 2026-09-29; review due 2027-03-29.

Read the [full reliability assessment](https://spot.insure/insurance-providers/three/reliability).

## Armilla Reviews

Review Score: not enough ratings.

Armilla has no customer ratings on the review sites we checked, so there's no Review Score yet. Armilla sells AI insurance, a small niche, so you'll want to ask for references.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/armilla/reviews).

## THREE by Berkshire Hathaway Reviews

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).





## Coverage Comparison

| Coverage Type | Armilla | THREE by Berkshire Hathaway |
| --- | --- | --- |
| [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Not listed | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [18](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [10](https://threeinsurance.com/the-policy "The Policy") |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Not listed | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [18](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [10](https://threeinsurance.com/the-policy "The Policy") |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Not listed | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [18](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [10](https://threeinsurance.com/the-policy "The Policy") |
| [Cyber liability](https://spot.insure/coverage/cyber) | Not listed | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [18](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [10](https://threeinsurance.com/the-policy "The Policy") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Not listed | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [18](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Not listed | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [18](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") |
| [Equipment breakdown](https://spot.insure/coverage/equipment-breakdown) | Not listed | Listed: THREE lists equipment breakdown within the package; its displayed sample excludes machinery, equipment or listed vehicles that stop without an accident. Check the quoted form for the actual protection. [18](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [10](https://threeinsurance.com/the-policy "The Policy") |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Not listed | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [18](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") |
| [General liability](https://spot.insure/coverage/general-liability) | Not listed | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [18](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [10](https://threeinsurance.com/the-policy "The Policy") |
| [Generative AI liability](https://spot.insure/coverage/generative-ai-liability) | Listed: Armilla markets standalone AI liability insurance as a managing general agent. [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") | Not listed |
| [Liquor liability](https://spot.insure/coverage/liquor-liability) | Not listed | Listed: Marketed within THREE’s combined commercial policy if required; the quote and issued form determine availability and protection. [18](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Not listed | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [18](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") |
| [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Not listed | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [18](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Not listed | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [18](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [10](https://threeinsurance.com/the-policy "The Policy") |

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.



## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## AI Risk Specialist or Small-Business Package

Armilla’s materials separate an AI liability insurance product from Armilla Guaranteed, a contractual performance warranty, and from its model-assessment work. The provider record describes Armilla Insurance Services as a Lloyd’s coverholder and the AI insurance as underwritten by certain Lloyd’s underwriters. THREE is a business-insurance product issued by BHDIC, with a sample policy combining coverages often sold separately. An AI warranty or model assessment is not a substitute for the policy package, and THREE’s broad package is not evidence of a dedicated AI performance or model liability grant. [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") [1](https://www.armilla.ai/ "Armilla: AI Insurance") [6](https://www.armilla.ai/brokers "Armilla for Brokers: Specialized AI Coverage") [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief") [5](https://www.armilla.ai/assessments "Armilla Assessments: AI Verification & Red-Teaming") [9](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [10](https://threeinsurance.com/the-policy "The Policy") [11](https://threeinsurance.com/faqs "FAQs: Understanding THREE") [10](https://threeinsurance.com/the-policy "The Policy")

## What the AI Product Says It Addresses

Armilla’s AI liability brief describes possible third-party exposures such as model errors, hallucinations, harmful outputs and agent mistakes. Those are advertised coverage areas, not confirmation that a particular claim, fine or loss is insured. THREE markets cyber and other coverages within a BOP; the issued declarations, state-specific form and endorsements control the actual grants, limits and exclusions. A company deploying AI should ask Armilla for the exact covered trigger, insured entities, territory, exclusions and Lloyd’s security named on the quote; with THREE, ask whether the relevant AI, privacy or technology exposure is expressly covered or excluded in the issued form. [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") [1](https://www.armilla.ai/ "Armilla: AI Insurance") [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") [18](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [19](https://threeinsurance.com/benefits "Benefits | THREE") [10](https://threeinsurance.com/the-policy "The Policy")

## Assessment, Underwriting and Claims

Armilla says an AI risk assessment can include scoping, performance, fairness, security and robustness testing, remediation support and a report; the source does not establish that monitoring is included in an insurance premium. Its pages direct buyers to contact the team, and say coverage requires underwriting and written confirmation. THREE offers an online quote route with advisor help and describes reporting a claim online or by phone, followed by an assigned account manager. These are distinct processes; ask separately who binds each insurance product, who owes any warranty remedy, and who receives a claim notice. [5](https://www.armilla.ai/assessments "Armilla Assessments: AI Verification & Red-Teaming") [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [1](https://www.armilla.ai/ "Armilla: AI Insurance") [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [1](https://www.armilla.ai/ "Armilla: AI Insurance") [9](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [11](https://threeinsurance.com/faqs "FAQs: Understanding THREE") [13](https://threeinsurance.com/claims "Filing a Claim: Call to get started") [11](https://threeinsurance.com/faqs "FAQs: Understanding THREE")

## What to Confirm in Quotes

Request the policy form and Lloyd’s underwriter details for any Armilla insurance proposal, and the separate contractual terms and remedy provider for Armilla Guaranteed. For THREE, compare the policy declarations, endorsements and business-specific exclusions. Public materials do not establish that the products provide equivalent limits or respond to the same event. [1](https://www.armilla.ai/ "Armilla: AI Insurance") [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") [4](https://www.armilla.ai/ai-performance-warranty-brief "AI Performance Warranty Brief") [10](https://threeinsurance.com/the-policy "The Policy")

## Compare Services

What each provider documents about the services you may need.

| Criteria | Armilla | THREE by Berkshire Hathaway |
| --- | --- | --- |
| Business role | Armilla offers AI insurance, performance warranties and model assessments, but the insurer—not the brand—takes on policy risk. Armilla describes its insurance operation as an MGA and Armilla Insurance Services as a Lloyd’s coverholder. [3](https://www.armilla.ai/ai-insurance-brief "Armilla AI Insurance Brief") [1](https://www.armilla.ai/ "Armilla: AI Insurance") [6](https://www.armilla.ai/brokers "Armilla for Brokers: Specialized AI Coverage") (Evidence: Company-reported; scope: Company descriptions of the Armilla brand and insurance operation; delegated authority and producer licensing have not been independently verified.; verified: 2026-09-16.)<br><br>The reviewed corporate record identifies Armilla Insurance Services Inc. but does not establish California insurance authority; verify the licensed producer on your quote. Florida’s registry lists the company as a Delaware corporation. [8](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forp-f24000002598-db227865-9aa6-457f-8845-7987956f3b38&directionType=Initial&inquirytype=EntityName&listNameOrder=ARMILCFS+F180000056270&searchNameOrder=ARMILLAINSURANCESERVICES+F240000025980&searchTerm=ARMIL%2FCFS%2C+INC. "Detail by Entity Name: ARMILLA INSURANCE SERVICES INC.") (Evidence: Verified; scope: Exact entity spelling in corporate filing F24000002598, inspected on September 16, 2026. No California producer lookup was completed.; verified: 2026-09-16.) | THREE is the commercial brand and product form used by Berkshire Hathaway Direct Insurance Company (BHDIC), which identifies itself as doing business as THREE and names itself as issuer on the sample THREE policy. THREE’s FAQ describes THREE or THREE Insurance as the product name, not a separate insurer. The state-specific issued policy controls. [9](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [10](https://threeinsurance.com/the-policy "The Policy") [11](https://threeinsurance.com/faqs "FAQs: Understanding THREE") (Evidence: Company-reported; scope: U.S. THREE commercial-insurance brand and sample policy; current company identity pages checked 2026-09-28. Company-reported legal disclosure; the state-specific issued policy controls the buyer’s contract.; verified: 2026-09-28.)<br><br>Berkshire Hathaway’s published company list identifies Berkshire Hathaway Direct Insurance Company (THREE) and lists Berkshire Hathaway Specialty Insurance (BHSI) and biBERK separately. Its 2025 annual report says BH Direct and GUARD together primarily offer commercial products to small and medium-sized businesses; it separately describes BH Direct’s admitted commercial underwriting and use of the biBERK.com and Threeinsurance.com distribution platforms. The reviewed list and report do not establish the exact direct-versus-indirect ownership chain. [16](https://www.berkshirehathaway.com/subs/sublinks.html "Links to Berkshire Hathaway Subsidiary Companies") [15](https://www.berkshirehathaway.com/2025ar/202510-k.pdf "Berkshire Hathaway Inc. 2025 Annual Report / Form 10-K") (Evidence: Company-reported; scope: Berkshire Hathaway company list checked 2026-09-28 and 2025 annual-report discussion of BH Direct and GUARD; group relationship and commercial operating scope only, not a precise ownership-chain finding.; verified: 2026-09-28.) |
| Customer focus | AI developers and companies deploying AI can approach Armilla, which markets to startups and large enterprises; its pages set no minimum revenue or funding stage and do not guarantee a bootstrapped company qualifies. [6](https://www.armilla.ai/brokers "Armilla for Brokers: Specialized AI Coverage") [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") (Evidence: Company-reported; scope: Published customer descriptions; no inferred startup eligibility thresholds.; verified: 2026-09-16.) | THREE describes its focus as businesses and presents industries it serves. Berkshire Hathaway’s 2025 annual report says BH Direct and GUARD together primarily offer commercial insurance to small and medium-sized businesses; it separately says BH Direct underwrites through the biBERK.com and Threeinsurance.com distribution platforms. Eligibility varies by state and business. [9](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [15](https://www.berkshirehathaway.com/2025ar/202510-k.pdf "Berkshire Hathaway Inc. 2025 Annual Report / Form 10-K") (Evidence: Company-reported; scope: THREE’s company-described business focus and industry examples, plus the 2025 report’s joint BH Direct-and-GUARD SMB statement. The report does not attribute that customer-size focus to BHDIC alone; actual eligibility varies by state and business.; verified: 2026-09-28.) |
| Application process | Expect an AI risk assessment before Armilla proposes insurance or a warranty; its site directs buyers to contact the team, and coverage requires written confirmation and completed underwriting. [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") [1](https://www.armilla.ai/ "Armilla: AI Insurance") (Evidence: Company-reported; scope: Published process, not a submitted application, quote, binding test or promised turnaround.; verified: 2026-09-16.) | THREE directs prospective customers to an online quote flow and says licensed Small Business Advisors can help them start or continue the process; the company’s FAQ also describes a phone quote and says an unfinished quote can be saved and resumed. This documents quote routes, not online purchase or binding by an individual customer. [9](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [11](https://threeinsurance.com/faqs "FAQs: Understanding THREE") (Evidence: Company-reported; scope: U.S. business insurance quote application. Company-described online and phone process; no customer form was submitted and no binding outcome was tested.; verified: 2026-09-28.)<br><br>THREE describes a partner-agency channel. Its partner page says the Agency Service Team assists policyholders and agents and that agency partners can use the THREE platform to quote, bind, and issue policies online. This describes the partner channel, not the direct public quote flow. [14](https://threeinsurance.com/become-a-three-partner "Become a THREE Partner") (Evidence: Company-reported; scope: THREE partner agency program and platform capabilities as described by the company; these capabilities apply to partner agencies and do not establish direct-customer self-binding.; verified: 2026-09-28.) |
| Servicing and renewals | Armilla says buyers begin with an AI risk assessment before it customizes an insurance or warranty proposal. Confirm the assessment deliverables, monitoring and retesting terms in the proposal. [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") (Evidence: Company-reported; scope: Initial assessment described on the AI insurance page; reviewed evidence does not establish specific assessment deliverables, monitoring or retesting terms.; verified: 2026-09-30.)<br><br>Price monitoring and retesting separately unless the proposal includes them: reviewed pages do not explain insurance renewal or whether ongoing model monitoring is included in premium. [5](https://www.armilla.ai/assessments "Armilla Assessments: AI Verification & Red-Teaming") [2](https://www.armilla.ai/ai-insurance "AI Insurance – Lloyd’s Coverholder | Armilla AI") (Evidence: Not publicly disclosed; scope: Limited to public product and assessment pages reviewed September 16, 2026.; verified: 2026-09-16.) | THREE says policyholders can submit policy-change requests through My THREE Online or contact a Small Business Advisor. Its FAQ lists account/contact and billing tasks, vehicle and location changes, and certificate requests; it says vehicle and location requests are reviewed and processed by its team. The page does not establish automatic approval or effective dates for changes. [11](https://threeinsurance.com/faqs "FAQs: Understanding THREE") (Evidence: Company-reported; scope: Company-described servicing routes and request types for THREE policyholders; submitted requests may be reviewed and processed, and approval/effective dates are not established.; verified: 2026-09-28.)<br><br>THREE describes its policy as a one-year term. Its payment terms say automatic bank-draft authorization renews if the customer renews the policy; they do not say that the policy itself renews automatically or explain the complete renewal-offer process. [11](https://threeinsurance.com/faqs "FAQs: Understanding THREE") [12](https://threeinsurance.com/terms-conditions "Terms & Conditions") (Evidence: Company-reported; scope: Published FAQ and payment terms reviewed 2026-09-28. Renewal administration beyond payment authorization was not established from these pages.; verified: 2026-09-28.) |

## Related Reading

- [What Is Armilla?](https://spot.insure/insurance-providers/armilla)
- [THREE small business insurance: coverage, issuer and buying routes](https://spot.insure/insurance-providers/three)

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## Sources

### [Armilla Official Website](https://www.armilla.ai/)

1. [Armilla: AI Insurance](https://www.armilla.ai/). Armilla; Affirmative Insurance Built for AI Risk; Risk Teams; footer surplus-lines and Lloyd’s disclosures. Accessed 2026-09-16.
2. [AI Insurance – Lloyd’s Coverholder | Armilla AI](https://www.armilla.ai/ai-insurance). Armilla; Armilla Insured; Armilla Guaranteed; FAQ: getting started, warranty classification, claims framework and exclusions. Accessed 2026-09-16.
3. [Armilla AI Insurance Brief](https://www.armilla.ai/ai-insurance-brief). Armilla; Introduction identifying the MGA; Tailored Protection for AI Pioneers: standalone AI liability and Sample Coverage Areas; Industry Protection; footer on surplus-lines placement and Lloyd’s underwriting. Accessed 2026-09-16.
4. [AI Performance Warranty Brief](https://www.armilla.ai/ai-performance-warranty-brief). Armilla; Opening partner disclosure; AI Performance, Guaranteed; Real-World Protection Examples. Accessed 2026-09-16.
5. [Armilla Assessments: AI Verification & Red-Teaming](https://www.armilla.ai/assessments). Armilla; Active AI Risk Assessment; FAQ: testing process, ongoing support and starting an assessment. Accessed 2026-09-16.
6. [Armilla for Brokers: Specialized AI Coverage](https://www.armilla.ai/brokers). Armilla; Coverage Options; Competitive Commissions; Flexible, Tech-Enabled Underwriting; broker appointment FAQ. Accessed 2026-09-16.
7. [Armilla Terms of Service](https://www.armilla.ai/terms-of-service). Armilla; Last updated April 5th, 2023; sections 1 Agreement to Terms and 4 Fees and Payment. Accessed 2026-09-16.
8. [Detail by Entity Name: ARMILLA INSURANCE SERVICES INC.](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forp-f24000002598-db227865-9aa6-457f-8845-7987956f3b38&directionType=Initial&inquirytype=EntityName&listNameOrder=ARMILCFS+F180000056270&searchNameOrder=ARMILLAINSURANCESERVICES+F240000025980&searchTerm=ARMIL%2FCFS%2C+INC.) Florida Department of State, Division of Corporations; Entity name; Filing Information; document F24000002598. Accessed 2026-09-16.

### [THREE by Berkshire Hathaway Official Website](https://threeinsurance.com/)

9. [THREE by Berkshire Hathaway — small business insurance](https://threeinsurance.com/). Berkshire Hathaway Direct Insurance Company, dba THREE; Issuer, business focus, and industry scope, lines 70–81; quote/advisor route, lines 405–420; DBA footer, lines 432–434. Accessed 2026-09-28.
10. [The Policy](https://threeinsurance.com/the-policy). Berkshire Hathaway Direct Insurance Company, dba THREE; Sample declarations, limits and three-day Business Interruption waiting period (lines 58–76); Section I: interruption follows a property loss the insurer pays and ends on resumed normal operations or an applicable limit (lines 82–86); Section III: machinery/equipment/listed vehicles stopping without an accident are excluded (lines 104–112). Accessed 2026-09-29.
11. [FAQs: Understanding THREE](https://threeinsurance.com/faqs). Berkshire Hathaway Direct Insurance Company, dba THREE; Quote save/resume, lines 73–76; claim/update routes, lines 78–89; product-not-company wording, lines 98–100; one-year policy/payment terms, lines 129–130; servicing requests, lines 141–157. Accessed 2026-09-28.
12. [Terms & Conditions](https://threeinsurance.com/terms-conditions). Berkshire Hathaway Direct Insurance Company, dba THREE; BHDIC dba THREE, lines 20–23; recurring automatic bank draft qualification, lines 27–33. Accessed 2026-09-28.
13. [Filing a Claim: Call to get started](https://threeinsurance.com/claims). Berkshire Hathaway Direct Insurance Company, dba THREE; Online/phone claims and account-manager assignment, lines 24–43; claim updates, lines 59–61. Accessed 2026-09-28.
14. [Become a THREE Partner](https://threeinsurance.com/become-a-three-partner). Berkshire Hathaway Direct Insurance Company, dba THREE; Partner-agency program and platform permissions, lines 6–18; state availability, lines 30–35. Accessed 2026-09-28.
15. [Berkshire Hathaway Inc. 2025 Annual Report / Form 10-K](https://www.berkshirehathaway.com/2025ar/202510-k.pdf). Berkshire Hathaway Inc.; 2025 annual report, PDF page 5, printed K-4, lines 303–308: BH Direct and GUARD joint SMB focus; BH Direct platforms/admitted products. Accessed 2026-09-28.
16. [Links to Berkshire Hathaway Subsidiary Companies](https://www.berkshirehathaway.com/subs/sublinks.html). Berkshire Hathaway Inc.; Published subsidiary-company list; BHDIC (THREE), BHSI, and biBERK shown separately, lines 11–16. Accessed 2026-09-28.
17. [THREE online quote application](https://quotes.threeinsurance.com/). Berkshire Hathaway Direct Insurance Company, dba THREE; THREE online quote entry point inspected; the page is a route to begin an application. No form was submitted or quote generated; this source alone does not establish customer self-binding. Accessed 2026-09-28.
18. [Business Owners Policy | THREE](https://threeinsurance.com/business-owners-policy). Berkshire Hathaway Direct Insurance Company, dba THREE; Product page explicitly markets Business Liability categories (including liquor liability if required), Property (including equipment breakdown and inland marine), Business Auto (including cargo liability and hired/non-owned), Business Interruption, Cyber and Workers’ Compensation, within one combined policy description (lines 8–9, 19–21, 23–76); BHDIC dba THREE footer (lines 93–94). Accessed 2026-09-29.
19. [Benefits | THREE](https://threeinsurance.com/benefits). Berkshire Hathaway Direct Insurance Company, dba THREE; Page copy: commercial coverage category descriptions for liability, cyber, property/business interruption, business auto and workers compensation; describes product benefits, not a complete policy form. Accessed 2026-09-29.
20. [THREE logo SVG](https://threeinsurance.com/three-logo.svg). Berkshire Hathaway Direct Insurance Company, dba THREE; Direct official SVG asset; viewBox 0 0 720 253; embedded title “Three by Berkshire Hathaway”; downloaded and preserved byte-for-byte as assets/three-logo.svg. Accessed 2026-09-29.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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