Berkshire Hathaway Specialty Insurance vs 
THREE by Berkshire Hathaway: How Do They Compare for Inland Marine Insurance?
What Is Berkshire Hathaway Specialty Insurance?
BHSI provides commercial and specialty insurance in the U.S., with product-specific industry lists that include healthcare, energy and technology. Online quote and application submissions are nonbinding. 1,2,3,4
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. 6,7
Read the THREE by Berkshire Hathaway profile
Read the THREE by Berkshire Hathaway Inland Marine Insurance page
What Is Inland Marine Insurance?
If your business moves equipment between sites or ships goods, inland marine can cover those property exposures; installation and other forms address different property categories. Match the quote to what you own, rent or hold for others. 9,10
Key Differences in Inland Marine Insurance
What the Published Offering Defines
Berkshire Hathaway Specialty Insurance’s catalog names separate classes—transit, motor-truck cargo, warehouse legal liability, contractor equipment and installation. THREE by Berkshire Hathaway presents Inland Marine as one component of its combined Business Owners Policy rather than a separate standalone product on the reviewed page. A buyer comparing these approaches should map the actual exposure to the package schedule at THREE by Berkshire Hathaway and to the relevant marine class at Berkshire Hathaway Specialty Insurance; the labels do not show which risks a quote includes. 5 8
Buying and Policy Details to Resolve
THREE by Berkshire Hathaway directs small-business buyers to an online quote and offers licensed Small Business Advisors to help, while Berkshire Hathaway Specialty Insurance’s catalog is aimed at commercial categories including developers, contractors, logistics and warehousemen. The THREE by Berkshire Hathaway page does not publish a separate inland-marine limit or deductible; its quote-specific summary carries those details. Ask for the scheduled property, covered causes and insurer on the actual quote before comparing package convenience with a dedicated marine placement. 5 6
What to Confirm in Inland Marine Insurance Quotes
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.
Berkshire Hathaway Specialty Insurance
Review Score
The public ratings for Berkshire Hathaway Specialty Insurance are low but thin: Trustpilot shows 2.1 out of 5 from 9 reviews and BBB shows 1 out of 5 from 6. Both mix travel and commercial customers, so we don't count them in a score.[5][7]
Read Berkshire Hathaway Specialty Insurance 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
Berkshire Hathaway Specialty Insurance vs THREE by Berkshire Hathaway: Inland Marine Insurance: documented features by provider
| Criteria | Commercial Inland Marine products including inland transit, motor-truck cargo, warehouse legal liability, contractor equipment and floaters; separately cataloged from Ocean Marine cargo and stock throughput. | THREE Business Owners Policy |
|---|---|---|
| Role in This Line | Confirm in your quote. | 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. |
| Issuing Insurer | Confirm in your quote. | 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. |
| Who It’s For | For Inland Marine, BHSI lists developers, general contractors, logistics, transportation, oil and gas, utilities, and warehousemen as top targets. 5Company-reported. BHSI U.S. Inland Marine target-account list only. Material limitation: Target examples do not guarantee eligibility; do not substitute the separate Ocean Marine customer list or combine the products/forms. | 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. |
| Coverage Features | BHSI's marine catalog includes inland transit, motor-truck cargo, warehouse legal liability, contractor equipment and installation risks. 5Company-reported. US commercial marine and inland-marine products. Material limitation: These are separate scheduled exposures/forms; not all are necessarily available in one policy. BHSI describes additional inland-marine risks such as exhibition property, scheduled articles, small tools and leased equipment. 5Company-reported. Commercial inland marine placements. Material limitation: Eligibility, deductibles, limits and geographic scope depend on the policy. | 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. |
| Limits and Retentions | Confirm in your quote. | 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. |
| 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. 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. |
Full Comparison
More Berkshire Hathaway Specialty Insurance vs THREE by Berkshire Hathaway Comparisons
Other Inland Marine Insurance Comparisons
Sources
Berkshire Hathaway Specialty Insurance
- At A Glance. Berkshire Hathaway Specialty Insurance; United States section, zero-based PDF pages 49–53 (viewer pages 50–54): product/industry lists on pages 49–50; U.S. disclosure/version footer on page 53 is 2026-8-03 A. The 2026-09-14 A footer is on preceding European page 48, not the U.S. section. Accessed 2026-09-29.
- About Us. Berkshire Hathaway Specialty Insurance; About BHSI; company profile page re-opened through official site on 2026-09-28; company says it is part of National Indemnity group. Accessed 2026-09-28.
- Terms of Service. Berkshire Hathaway Specialty Insurance; Important Information Concerning Use of this Web Site, paragraphs 2–4; nonbinding submissions, contracted-agent authority, state variation, product availability and policy-specific terms. Accessed 2026-09-28.
- Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch. Berkshire Hathaway Specialty Insurance; Singapore branch public disclosure, Company Profile ¶¶ 1–2; direct page opened 2026-09-28. ¶ 1 identifies BHSIC as a Nebraska-domiciled direct P&C insurer; ¶ 2 states BHSIC is wholly owned by National Indemnity Company, itself wholly owned by Berkshire Hathaway Incorporated. Accessed 2026-09-28.
- Marine. Berkshire Hathaway Specialty Insurance; Inland and ocean marine product list, covered property classes and target businesses; lines 18-69. Accessed 2026-09-28.
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.
Inland Marine Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery. Accessed 2026-09-16.
- Inland Marine Policy: Contractors’ Equipment. Markel American Insurance Company / American Association of Insurance Services; hosted by Florida Department of Management Services; PDF p.8 declarations; attached Contractors’ Equipment printed pp.1–13 (PDF pp.18–30); replacement-cost endorsement PDF p.34. Accessed 2026-09-16.
