---
title: "The Baldwin Group vs THREE by Berkshire Hathaway: Cyber Insurance"
description: "THREE lists cyber liability within its combined Business Owners Policy and offers online quoting; The Baldwin Group lists broader typical costs and adviser services."
canonical: "https://spot.insure/compare/baldwin-vs-three/cyber"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "baldwin-vs-three"
provider-a: "baldwin"
provider-b: "three"
coverage-line: "cyber"
---

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

## Agent Guide

**What this page is:** Focused comparison of The Baldwin Group and THREE by Berkshire Hathaway for Cyber 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 Cyber Insurance questions about The Baldwin Group 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:**
- The Baldwin Group vs THREE by Berkshire Hathaway for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, The Baldwin Group or THREE by Berkshire Hathaway?
- What does The Baldwin Group or THREE by Berkshire Hathaway publish about Cyber Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Cyber Insurance from The Baldwin Group or THREE by Berkshire Hathaway?

**Key facts:**
- Line: Cyber Insurance. Providers: The Baldwin Group 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 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [The Baldwin Group vs THREE by Berkshire Hathaway](https://spot.insure/compare/baldwin-vs-three) — parent: all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — coverage explainer for this line
- [The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin) — provider profile (evidence)
- [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence)
- [The Baldwin Group vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-three/employment-practices) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-three/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-three/fiduciary) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/baldwin-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Baldwin Group Cyber Insurance](https://spot.insure/compare/aig-vs-baldwin/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/aig-vs-three/cyber) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs The Baldwin Group Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/cyber) — 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)
- [Amelia Risk vs The Baldwin Group Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-baldwin/cyber) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-three/cyber) — sibling comparison (other line, or other pair for this line)

# The Baldwin Group vs THREE by Berkshire Hathaway: How Do They Compare for Cyber Insurance?

THREE lists cyber liability within its combined Business Owners Policy and offers online quoting; The Baldwin Group lists broader typical costs and adviser services.

## Research Scope and Use

Use this comparison to evaluate The Baldwin Group and THREE by Berkshire Hathaway for Cyber 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.

## Summary

THREE markets cyber as part of its BOP and provides an online quote route; The Baldwin Group describes typical cyber expenses but leaves structure and terms to the selected policy. [3](https://baldwin.com/business-insurance/solutions/cyber/ "Cyber Liability Insurance & Risk Management") [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

## What Is the Baldwin Group?

Baldwin’s Insurance Advisory Solutions group describes commercial-risk and employee-benefit services for businesses and private-risk management for high-net-worth individuals and families; its business-insurance page outlines a five-step RiskMap process. [1](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm "The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025") [2](https://baldwin.com/business-insurance/ "Business Insurance")

[The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin)

## 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. [4](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [5](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 Cyber Insurance?

Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. [7](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance") [8](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf "CyberEdge specimen policy")

## Key Differences in Cyber Insurance

### Cyber as part of a package

THREE lists Cyber Liability among the coverage categories in its combined Business Owners Policy and presents it as a BOP component rather than a separate standalone policy on the reviewed page. The Baldwin Group’s typical cyber examples include response, notification, interruption, recovery, extortion and third-party claims, but do not establish a package structure. Ask whether cyber appears in the issued THREE quote and how its limits coordinate with the rest of the BOP. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [3](https://baldwin.com/business-insurance/solutions/cyber/ "Cyber Liability Insurance & Risk Management")

### Quote support and services

THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help. The Baldwin Group describes adviser access, cyber assessment, training, incident-response and claims advocacy. The sample THREE policy identifies Berkshire Hathaway Direct Insurance Company as issuer, while the Baldwin Group’s record does not name a carrier for an individual placement. Confirm the issuer and response contact on final documents. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [3](https://baldwin.com/business-insurance/solutions/cyber/ "Cyber Liability Insurance & Risk Management")

## What to Confirm in Cyber Insurance Quotes

- Ask THREE whether cyber is included in your BOP schedule, with what limit, retention and separate response expenses.
- Ask The Baldwin Group which carrier and policy structure it proposes and who handles incident response.

## Offering Details

| Criteria | Cyber Advisory and Coverage Options | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | THREE presents Cyber as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. [6](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 | Confirm in your quote. | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [5](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 | Confirm in your quote. | The reviewed product page does not state separate eligibility rules for Cyber; the general quote and advisor route is not proof that a particular business qualifies for it. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [4](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 | The Baldwin Group says typical cyber policies may include breach response and notification costs, business interruption and data recovery, extortion and fraud, third-party network claims, regulatory defense, media liability, and forensic costs. Actual terms, sublimits, and exclusions depend on the policy. [3](https://baldwin.com/business-insurance/solutions/cyber/ "Cyber Liability Insurance & Risk Management") (Evidence: Company-reported; scope: Educational examples of typical policy coverages, not a promise of coverage under a buyer’s policy..) | THREE's Business Owners Policy page lists Cyber Liability 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. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Official THREE package marketing for Cyber. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy..) |
| Limits and Retentions | Confirm in your quote. | The reviewed public product page does not state a separate limit or deductible for Cyber; THREE says the quote-specific insurance summary lists limits and deductibles. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](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 Baldwin Group describes cyber advisory services, access to coverage options, and industry partners. Its reviewed cyber page does not identify an insurer or a specific placement entity; confirm both in the quote or policy. [3](https://baldwin.com/business-insurance/solutions/cyber/ "Cyber Liability Insurance & Risk Management") (Evidence: Company-reported; scope: Company-reported advisory and market-access description; no carrier, underwriting, or binding authority is established..)<br><br>The Baldwin Group lists cyber risk assessment and peer benchmarking, employee training and mitigation tools, incident-response and claims advocacy, and access to specialized coverage and vendors. [3](https://baldwin.com/business-insurance/solutions/cyber/ "Cyber Liability Insurance & Risk Management") (Evidence: Company-reported; scope: Company-described service menu; engagement scope and outcomes are not guaranteed..) | 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. [4](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 Cyber will be offered for a particular business or whether a customer can bind that line without an issued policy..) |

## Full Comparison

- [The Baldwin Group vs THREE by Berkshire Hathaway](https://spot.insure/compare/baldwin-vs-three): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [The Baldwin Group vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-three/commercial-auto)
- [The Baldwin Group vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-three/commercial-property)
- [The Baldwin Group vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-three/employment-practices)
- [The Baldwin Group vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-three/equipment-breakdown)
- [The Baldwin Group vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-three/fiduciary)
- [The Baldwin Group vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/baldwin-vs-three/professional-errors-omissions)
- [The Baldwin Group vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-vs-three/workers-compensation)
- [AIG vs The Baldwin Group Cyber Insurance](https://spot.insure/compare/aig-vs-baldwin/cyber)
- [AIG vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/aig-vs-three/cyber)
- [Alliance Risk vs The Baldwin Group Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/cyber)
- [Alliance Risk vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-three/cyber)
- [Amelia Risk vs The Baldwin Group Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-baldwin/cyber)
- [Amelia Risk vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-three/cyber)

## Sources

### The Baldwin Group

1. [The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm). U.S. Securities and Exchange Commission; filed by The Baldwin Insurance Group, Inc.; Part I, Item 1, “The Company,” lines 194–196; “Operating Groups,” lines 260–263; “Clients and Insurers,” lines 286–288; pp. 6–10; opened 2026-09-28.. Accessed 2026-09-28.
2. [Business Insurance](https://baldwin.com/business-insurance/). The Baldwin Group; RiskMap process, lines 40–68; Connect With Us consultation invitation, lines 182–187; accessed 2026-09-28.. Accessed 2026-09-28.
3. [Cyber Liability Insurance & Risk Management](https://baldwin.com/business-insurance/solutions/cyber/). The Baldwin Group; Cyber, “Proactive Defense” and “Specialized Coverage & Vendor Access” lines 18–24, services lines 63–87; Cyber FAQ typical coverages lines 92–103 and insurer policy changes lines 116–117; page accessed 2026-09-29.. Accessed 2026-09-29.

### THREE by Berkshire Hathaway

4. [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.
5. [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.
6. [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.

### Cyber Insurance Guide

7. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
8. [CyberEdge specimen policy](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf). AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.

Updated 2026-09-30. 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.

## The Baldwin Group Reviews

Review Score: not enough ratings.

The reviewed public sources do not establish a representative customer rating for The Baldwin Group’s commercial advisory business. BBB pages show different legal entities: an A+ regional insurance-agency grade with zero listed reviews and complaints for The Baldwin Group Mid-Atlantic, LLC, and an A- grade plus six complaints in three years for The Baldwin Group Personal Insurance, LLC. A 2026 personal-lines complaint describes delayed refund handling. A separate National General auto review mentions a Baldwin referral but concerns insurer policy administration. None of these observations supports a group-wide or commercial rating.



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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/baldwin-vs-three/cyber.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)