Coverdash vs THREE by Berkshire Hathaway: How Do They Compare for Commercial Auto Insurance?

Coverdash arranges commercial auto insurance as a broker rather than underwriting it, saying it compares quotes from multiple insurers and assigns each policyholder a dedicated advisor. ⁴Company-reported. Commercial auto product page; describes the brokerage model for this line, not a specific insurer's product.

THREE presents Business Auto 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.

The commercial auto product page does not name the insurer that would issue a given policy; it describes only comparing quotes from Coverdash's panel of insurers. ⁴Not publicly disclosed. Page checked 2026-09-23; the issuing carrier for a specific quote is not disclosed here.

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.

Coverdash targets commercial auto coverage at businesses that own, lease or use vehicles, or whose employees drive for work, listing examples such as wholesalers, retailers, construction companies and real estate agencies. It says personal auto policies exclude business use. ⁴Company-reported. Who it's for and industry-list section; illustrative industries, not an exhaustive eligibility list.

The reviewed product page does not state separate eligibility rules for Business Auto; 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.

Coverdash lists four core commercial auto protections: third-party injury liability, third-party property damage liability, physical damage to the insured vehicle from a collision, theft or other covered event, and medical payments for the insured and passengers. ⁴Company-reported. Types of Coverage section; subject to exclusions and terms in the policy as issued.

Coverdash's FAQ describes hired-and-non-owned auto as an optional coverage that adds liability protection when employees drive rented or personal vehicles for business, useful even if the business owns no vehicles. ⁴Company-reported. FAQ answer on hired and non-owned auto; described as an add-on, not part of the core policy.

THREE's Business Owners Policy page lists Business Auto 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 Business Auto. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy.

The commercial auto page and its FAQ do not publish limit amounts, deductibles or premium figures for this line. Coverdash says liability requirements vary by state and that it matches applicants to their state's rules. ⁴Not publicly disclosed. Page checked 2026-09-23; limit and deductible figures were not found on this product page.

The reviewed public product page does not state a separate limit or deductible for Business Auto; 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.

You request a commercial auto quote through Coverdash's online form. Coverdash says a policy can be quoted, bought and managed digitally, and that every policy comes with a dedicated advisor from the first quote through renewal. ⁴Company-reported. Why work with Coverdash and the Get a quote call to action; quote speed and advisor availability are company-reported and not independently tested.

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 Business Auto will be offered for a particular business or whether a customer can bind that line without an issued policy.