Chubb vs THREE by Berkshire Hathaway: How Do They Compare for Inland Marine Insurance?

Chubb underwrites inland marine coverage directly and describes it as tailorable to a business's specific inland marine risks rather than a single fixed product. ⁴Company-reported. Inland Marine product page.

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. ⁷Company-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.

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The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. ⁶Company-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.

Chubb positions its inland marine solutions for transportation and logistics companies, contractors and developers, and describes coverage scaling from single-location residential builders to regional homebuilders. ⁴Company-reported. Product page introduction and Homebuilders builders' risk description.

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. ^7,5Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms.

Chubb's inland marine line includes builders' risk insurance, homebuilders builders' risk for residential contractors, engineered risk insurance for large civil transportation and utility projects, contractors equipment insurance for construction equipment fleets, and coverage for leased or financed property. ⁴Company-reported. Innovative inland marine insurance coverage solutions list; each is a distinct sub-product.

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. ^7,6Company-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.

The reviewed page does not publish specific coverage limits or deductibles for inland marine coverage; these vary by sub-product. ⁴Not found in reviewed sources. Inland Marine product page as read on 2026-09-23.

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. ^7,6Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible.

Chubb says regular loss-control services are included as part of the inland marine premium, with more complex risk evaluation and management consultations available on a fee-for-service basis, and offers u*writer Builders Risk and u*writer Contractors Equipment as web-based quoting tools. ⁴Company-reported. Inland marine engineering services and Online tools & solutions sections.

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You can request a quote online, or an appointed independent agent or broker can apply for a Chubb Appointment to place inland marine coverage. ⁴Company-reported. Inland Marine product page quote call-to-action for business owners and for agents and brokers.

THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. ⁵Company-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.