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Chubb vs THREE by Berkshire Hathaway

Chubb’s commercial routes run through agents, including its technology programs; THREE offers an online small-business quote with advisor help. Chubb may suit buyers who want agent access to its wider commercial portfolio, while THREE is a starting point for its small-business product. 9,29,10,44,53

Introduction

Coverage Comparison

CoverageChubbTHREE by Berkshire Hathaway
Builders riskListed 22,21Chubb offers builders risk insurance.Not listed
Business owner’s policyListed 7,4Chubb offers business owner’s policies for eligible small businesses with up to $30 million in revenue.Listed 53,45Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Cargo and transitListed 24Chubb offers cargo insurance.Not listed
Commercial autoListed 17,7Chubb offers commercial auto insurance.Listed 53,45Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Commercial propertyListed 15,4Chubb offers commercial property insurance.Listed 53,45Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
CrimeListed 11,5Chubb offers crime coverage within its ForeFront portfolio for private, nonprofit and health care organizations.Not listed
Cyber liabilityListed 10,9Chubb offers cyber insurance.Listed 53,45Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Directors and officersListed 13,11Chubb offers directors and officers liability insurance for smaller privately held companies through ForeFront.Listed 53Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Employment practices liabilityListed 11,14Chubb offers employment practices liability insurance.Listed 53Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Equipment breakdownListed 23,5Chubb offers equipment breakdown insurance.Listed 53,45THREE 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.
Fiduciary liabilityListed 11,14Chubb offers fiduciary liability insurance.Listed 53Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
General liabilityListed 7,4,20Chubb offers general liability insurance within its commercial package products.Listed 53,45Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Kidnap and ransomListed 11,14Chubb offers kidnap and ransom insurance.Not listed
Liquor liabilityNot listedListed 53Marketed within THREE’s combined commercial policy if required; the quote and issued form determine availability and protection.
Management liabilityListed 11,14Chubb offers management liability insurance.Not listed
Media liabilityListed 10Chubb offers media liability insurance through DigiTech ERM for technology companies.Not listed
Product recallListed 26,28Chubb offers product recall insurance for businesses handling finished consumer goods.Not listed
Professional errors and omissions (E&O)Listed 10,5Chubb offers professional errors and omissions insurance through Pro ERM for non-licensed professional-service firms.Listed 53Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Representations and warrantiesListed 27Chubb offers representations and warranties insurance within its offering for large US- and Canadian-based multinational companies.Not listed
Surety bondsListed 25Chubb offers surety bonds.Not listed
Technology errors and omissions (E&O)Listed 10,4Chubb offers technology errors and omissions insurance through DigiTech ERM for technology companies.Not listed
Tools, equipment and inland marineListed 21,28Chubb offers inland marine insurance.Listed 53Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Umbrella and excess liabilityListed 16,7Chubb offers umbrella and excess liability insurance.Not listed
Workers’ compensationListed 8,4Chubb offers workers’ compensation insurance for small businesses, from one employee up to $30 million in revenue, including technology companies.Listed 53,45Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.

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.

Current Spot Scores

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

Chubb

Carrier

Carrier & MGA

6.4/ 10

Assessed provider: Chubb. Scope: Chubb Limited as group parent and the exact US insurer entities in the cited materials. Current authority is independently verified for Federal Insurance Company, ACE American Insurance Company, Westchester Fire Insurance Company and Westchester Surplus Lines Insurance Company in Georgia, for Federal Insurance Company in Texas, and for Federal, ACE American and the Pennsylvania-domiciled Westchester Fire in California; the separate New York-domiciled Westchester Fire profile is merged and excluded. Capacity is assessed for one named programme only: the Brandywine run-off book of Century Indemnity Company, whose supporting XOL Agreement, Dividend Retention Fund and surplus note are disclosed with terms, limits and current balances. Financial and reinsurance evidence otherwise sits at group level, combined across the subsidiary group and across the whole ceded book, and no current Chubb commercial product or programme has an evidenced issuing entity or capacity panel, so none is assessed.

Provider assessment

THREE by Berkshire Hathaway

Carrier

Carrier & MGA

No Spot Score

Assessed entity: Berkshire Hathaway Direct Insurance Company. Scope: Berkshire Hathaway Direct Insurance Company (BHDIC), the insurer named on the displayed THREE sample policy. THREE is the commercial product/DBA label. This assessment uses BHDIC-specific evidence only; information about parent companies, affiliates, brokers and other Berkshire insurers is not transferred to BHDIC.

Provider assessment

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.

Chubb

6.9/ 10

Review Score

5 rated sources

Chubb earns 5/5 from NerdWallet, which reports fewer-than-expected commercial property and liability complaints. Customer ratings are mixed across products and locations.[1][4][7][8][9]

Read Chubb reviews

THREE by Berkshire Hathaway

7.3/ 10

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 reviews

Key Differences Between Chubb and THREE

Business Roles and Access to Insurers

Chubb’s documented role shapes who handles underwriting and how you reach a policy.

Most commercial buyers need an independent agent or broker to reach Chubb; surplus-lines products require a licensed surplus-lines producer. Chubb appoints producers and operates agent portals, while Chubb Insurance Solutions Agency, Inc. administers Chubb Access appointments. 29,30,2,38Company-reported. U.S. distribution as described on agent-access, contact and terms pages. This does not mean every independent agent is appointed for every product.

THREE documents its own insurance role and access arrangement.

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. 44,45,46Company-reported. 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.

Customer Fit and Application

Compare each provider’s stated customer focus against your business activities and stage; a published target market is not a guarantee of eligibility.

Startups through multinationals in software, technology services, communications and hardware can ask Chubb about technology insurance; its small-business BOP also lists technology among 500+ classes for firms with up to $30 million revenue. 4,7,5Company-reported. Company marketing of industry appetite and BOP eligibility. It does not establish that a particular Bay Area startup will be quoted or bound.

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. 44,50Company-reported. 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.

These entry points show how to start; they do not confirm eligibility or that coverage has been bound. 29 9 10 44 44 53

Eligible small businesses can get agent-assisted quotes through Chubb Marketplace, with Cyber Central offering an express cyber route; the described online path is for appointed agents and brokers, not a general-public bind for middle-market technology programs. Cyber risks under $100 million revenue may qualify; referred risks go to underwriters. 9,10,30,31,12Company-reported. U.S. agent platforms and buyer contact paths as of 16 September 2026. Quote speed and bindability are not guaranteed for any applicant.

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. 44,46Company-reported. U.S. business insurance quote application. Company-described online and phone process; no customer form was submitted and no binding outcome was tested.

What to Confirm in Quotes

For Chubb, identify the appointed agent and the underwriting company for each proposed line. For THREE, confirm what its combined quote covers and what the issued form excludes. Ask each provider to identify the proposed insurer, exact forms and endorsements, any intermediary or account service contact, and the steps required to bind. Compare premiums only after matching limits, retentions, exclusions, policy periods, taxes and fees.

Compare Services

What each provider documents about the services you may need

CriteriaChubbTHREE by Berkshire Hathaway
Business role

Businesses buying Chubb coverage receive a policy from a US underwriting company, not from Chubb Limited, the Swiss holding company. Chubb is the marketing name for the group’s insurance subsidiaries and related services. 39,2,25Verified. Group identity from the 2025 Form 10-K Item 1 and U.S. website legal disclosures. The holding company is not the risk-bearing insurer on a given U.S. policy.

Most commercial buyers need an independent agent or broker to reach Chubb; surplus-lines products require a licensed surplus-lines producer. Chubb appoints producers and operates agent portals, while Chubb Insurance Solutions Agency, Inc. administers Chubb Access appointments. 29,30,2,38Company-reported. U.S. distribution as described on agent-access, contact and terms pages. This does not mean every independent agent is appointed for every product.

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. 44,45,46Company-reported. 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.

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. 51,50Company-reported. 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.

Customer focus

Startups through multinationals in software, technology services, communications and hardware can ask Chubb about technology insurance; its small-business BOP also lists technology among 500+ classes for firms with up to $30 million revenue. 4,7,5Company-reported. Company marketing of industry appetite and BOP eligibility. It does not establish that a particular Bay Area startup will be quoted or bound.

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. 44,50Company-reported. 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.

Application process

Eligible small businesses can get agent-assisted quotes through Chubb Marketplace, with Cyber Central offering an express cyber route; the described online path is for appointed agents and brokers, not a general-public bind for middle-market technology programs. Cyber risks under $100 million revenue may qualify; referred risks go to underwriters. 9,10,30,31,12Company-reported. U.S. agent platforms and buyer contact paths as of 16 September 2026. Quote speed and bindability are not guaranteed for any applicant.

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. 44,46Company-reported. U.S. business insurance quote application. Company-described online and phone process; no customer form was submitted and no binding outcome was tested.

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. 49Company-reported. 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.

Sources

Chubb Official Website

  1. Insurance For Individuals & Businesses. Chubb; Businesses; Get a quote; claims statistics; insurance products and client services. Accessed 2026-09-16.
  2. Terms Of Use. Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
  3. Commercial Insurance. Chubb; Industry practices; small businesses, middle market, large and multinational segments; claims paid and satisfaction figures. Accessed 2026-09-16.
  4. Insurance For Technology Companies. Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
  5. Insurance For Software Product & System Developers. Chubb; Property & casualty and financial-lines coverage solutions lists for software and systems developers. Accessed 2026-09-16.
  6. Technology Services And Consulting Insurance Solutions. Chubb; Property & casualty and financial-lines coverage solutions lists. Accessed 2026-09-16.
  7. Business Owner’s Policy (BOP) Insurance. Chubb; Chubb BOP Insurance Eligibility: up to $30M revenue and 500+ classes including technology; Chubb BOP Coverage Highlights: property and liability package; Total Account Solution: umbrella, workers’ compensation, commercial auto, ForeFront and Cyber ERM/DigiTech ERM. Accessed 2026-09-16.
  8. Workers' Compensation Insurance For Small Business. Chubb; Small-business workers’ compensation for one employee through $30M revenue; claims-service descriptions; supporting products. Accessed 2026-09-16.
  9. Cyber Insurance For Businesses. Chubb; Agent quoting via Chubb Marketplace and Cyber Central; policyholder incident-response hotline and Cyber Alert app. Accessed 2026-09-16.
  10. Cyber Insurance Coverage & Products. Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
  11. The ForeFront Portfolio. Chubb; ForeFront Portfolio introduction; available coverages for private, not-for-profit and healthcare organizations: D&O, EPL, fiduciary, employed lawyers, crime, kidnap/ransom and workplace violence expense. Accessed 2026-09-16.
  12. ForeFront Portfolio 3.0 For Private Companies. Chubb; Coverage highlights for private companies; contact-an-agent quote prompt; New Jersey application note. Accessed 2026-09-16.
  13. ForeFront Portfolio 3.0: Directors & Officers And Entity Liability Insurance. Chubb; Opening description: D&O and Entity Liability for smaller privately held companies; listed coverage features. Accessed 2026-09-16.
  14. Management Liability Insurance. Chubb; Public, private/not-for-profit and financial-institution management liability products; fiduciary, crime, kidnap/ransom, workplace violence and employment practices. Accessed 2026-09-16.
  15. Commercial Property Insurance. Chubb; Monoline, multi-line and large/complex property offerings; technology listed among served industries; Risk Consulting. Accessed 2026-09-16.
  16. Umbrella & Excess Casualty Insurance. Chubb; Umbrella and excess for smaller through multinational accounts; Express Umbrella portal for appointed brokers. Accessed 2026-09-16.
  17. Commercial Auto Insurance. Chubb; Commercial auto product; technology among served industries. Accessed 2026-09-16.
  18. Customarq Package Insurance Policy. Chubb; Midsize package combining property and liability; supporting excess, cyber, cargo, workers’ compensation and commercial auto. Accessed 2026-09-16.
  19. Lower Midmarket Insurance Solutions. Chubb; Agent-facing lower-midmarket suite including Benchmarq package, financial lines, cyber on Marketplace, surety; technology among appetite SIC codes; quoting through issuance, servicing and renewals. Accessed 2026-09-16.
  20. Environmental Insurance Coverage & Services. Chubb; Premises and contractor pollution, TankSafe, GL Plus combining CGL with products and premises pollution and supported umbrella. Accessed 2026-09-16.
  21. Inland Marine Insurance. Chubb; Inland marine policy overview; builders’ risk, contractors equipment and related tools. Accessed 2026-09-16.
  22. Builders' Risk Insurance. Chubb; Builders’ risk coverage list and target clients; agent submission requirements. Accessed 2026-09-16.
  23. Equipment Breakdown Insurance. Chubb; Monoline and package equipment-breakdown coverage; electronics among target clients. Accessed 2026-09-16.
  24. Worldwide Ocean Cargo Insurance. Chubb; Ocean, air and overland cargo coverages; agent submission path. Accessed 2026-09-16.
  25. Surety Bonds. Chubb; Construction, commercial, transactional and international surety; footer identifying Chubb as marketing name and ACE American as an issuing company; products may not be available in all states. Accessed 2026-09-16.
  26. Chubb Recall Plus For Consumer Goods. Chubb; Recall Plus for Consumer Goods introduction; limits; Client Profile, including electronics among target finished products; Restricted Classes. Accessed 2026-09-16.
  27. Multinational Insurance Coverage And Solutions For Large Accounts. Chubb; Core and specialty coverages, including Specialty Coverage: Representations & Warranties, inland marine, professional liability and ESIS; large US and Canadian multinational companies; Worldview servicing platform; work with clients and brokers. Accessed 2026-09-16.
  28. Excess And Surplus Insurance (E&S Insurance). Chubb; Westchester E&S portfolio; Westchester Fire admitted description; Westchester Surplus Lines eligible in 49 states; paper including Illinois Union and ACE companies. Accessed 2026-09-16.
  29. Get Access To Chubb. Chubb; Direct appointments for independent agents and brokers; competitive commissions; 200+ products. Accessed 2026-09-16.
  30. Contact Chubb. Chubb; Agent as first contact; claims numbers including cyber; Small Business policy service and Marketplace technical support; Federal Insurance Company and ACE American claims contacts. Accessed 2026-09-16.
  31. Chubb Insurance In The U.S. Chubb; Personal Lines find-an-agent; Small Business quote inquiries directed to chubbsmallbusiness.com; commercial agent callback 1-800-682-4822. Accessed 2026-09-16.
  32. Chubb Claims. Chubb; 24/7 claims contact center; client-satisfaction figure for clients with a paid claim; North America claims staffing figure. Accessed 2026-09-16.
  33. Report A Claim. Chubb; Phone and email first-notice contacts including small commercial, cyber, financial lines and workers’ compensation. Accessed 2026-09-16.
  34. Online & Mobile Claims Tools. Chubb; Small Commercial Business client portal claim reporting and document upload; access may be limited for policies underwritten by certain Chubb companies. Accessed 2026-09-16.
  35. About Chubb In The U.S. Chubb; U.S. executive leadership and 44 branch locations. Accessed 2026-09-16.
  36. Chubb Company License Information. Chubb; Federal Insurance Company (Indiana NAIC 20281) admitted P&C in all 50 states; ACE American (Pennsylvania NAIC 22667) admitted P&C in all 50 states; Westchester Surplus Lines Insurance Company eligible/approved surplus lines outside Georgia domicile. Accessed 2026-09-16.
  37. Chubb Insurance Solutions Agency License Information. Chubb; Statement that Chubb Insurance Solutions Agency is licensed in all 50 states; resident NJ license 2853751; California license 969601. Accessed 2026-09-16.
  38. Chubb New York Region Appointment Materials. Chubb; Chubb Access appointments administered by Chubb Insurance Solutions Agency, Inc.; surplus lines sold only through licensed surplus lines producers; products may not be available in all states. Accessed 2026-09-16.
  39. Chubb Limited Form 10-K For The Year Ended 31 December 2025. U.S. Securities and Exchange Commission / Chubb Limited; Item 1 Business: Swiss-incorporated holding company headquartered in Zurich; global insurance and reinsurance organization; operations in 54 countries and territories; commercial P&C including D&O and specialty casualty. Accessed 2026-09-16.
  40. Chubb Limited Exhibit 21.1 Subsidiaries. U.S. Securities and Exchange Commission / Chubb Limited; ACE American Insurance Company; Federal Insurance Company group companies; Chubb Excess and Surplus Insurance Services Inc. (California); Chubb INA Holdings LLC. Accessed 2026-09-16.
  41. California Company Profile: Federal Insurance Company. California Department of Insurance; NAIC 20281; California Company ID 0059-6; date authorized 12/18/1902; license status Unlimited-Normal; company type Property & Casualty; domicile Indiana; NAIC Group 0626 Chubb Ltd Grp. Accessed 2026-09-16.
  42. California Company Profile: ACE American Insurance Company. California Department of Insurance; NAIC 22667; California Company ID 1325-0; date authorized 12/20/1945; license status Unlimited-Normal; company type Property & Casualty; domicile Pennsylvania; NAIC Group 0626 Chubb Ltd Grp. Accessed 2026-09-16.
  43. California NAIC Group List: Chubb Ltd Grp 0626. California Department of Insurance; Group roster including Federal Insurance Company, ACE American Insurance Company, Chubb National Insurance Company, Westchester Fire Insurance Company and other Chubb-group companies with California IDs. Accessed 2026-09-16.

THREE by Berkshire Hathaway Official Website

  1. THREE by Berkshire Hathaway — small business insurance. 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.
  2. 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.
  3. FAQs: Understanding THREE. 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.
  4. 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.
  5. Filing a Claim: Call to get started. 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.
  6. 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.
  7. Berkshire Hathaway Inc. 2025 Annual Report / Form 10-K. 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.
  8. Links to Berkshire Hathaway Subsidiary Companies. Berkshire Hathaway Inc.; Published subsidiary-company list; BHDIC (THREE), BHSI, and biBERK shown separately, lines 11–16. Accessed 2026-09-28.
  9. THREE online quote application. 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.
  10. Business Owners Policy | THREE. 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.
  11. Benefits | THREE. 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.
  12. 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 . 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; it is not a recommendation for a specific policy. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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