---
title: "Coverdash vs THREE by Berkshire Hathaway: Cyber Insurance"
description: "Coverdash itemizes breach response, ransomware, interruption, and liability costs in broker-arranged cyber coverage; THREE lists cyber liability in its small-business package."
canonical: "https://spot.insure/compare/coverdash-vs-three/cyber"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "coverdash-vs-three"
provider-a: "coverdash"
provider-b: "three"
coverage-line: "cyber"
---

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

## Agent Guide

**What this page is:** Focused comparison of Coverdash 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 Coverdash 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:**
- Coverdash vs THREE by Berkshire Hathaway for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, Coverdash or THREE by Berkshire Hathaway?
- What does Coverdash 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 Coverdash or THREE by Berkshire Hathaway?

**Key facts:**
- Line: Cyber Insurance. Providers: Coverdash 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:**
- [Coverdash vs THREE by Berkshire Hathaway](https://spot.insure/compare/coverdash-vs-three) — parent: all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — coverage explainer for this line
- [Coverdash profile](https://spot.insure/insurance-providers/coverdash) — provider profile (evidence)
- [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence)
- [Coverdash vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/coverdash-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Coverdash vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/coverdash-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Coverdash vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/coverdash-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Coverdash vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/coverdash-vs-three/general-liability) — sibling comparison (other line, or other pair for this line)
- [Coverdash vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/coverdash-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Coverdash vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/coverdash-vs-three/liquor-liability) — sibling comparison (other line, or other pair for this line)
- [Coverdash vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/coverdash-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Coverdash vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/coverdash-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Coverdash Cyber Insurance](https://spot.insure/compare/aig-vs-coverdash/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 Coverdash Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-coverdash/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 Coverdash Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-coverdash/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)

# Coverdash vs THREE by Berkshire Hathaway: How Do They Compare for Cyber Insurance?

Coverdash itemizes breach response, ransomware, interruption, and liability costs in broker-arranged cyber coverage; THREE lists cyber liability in its small-business package.

## Research Scope and Use

Use this comparison to evaluate Coverdash 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

Coverdash describes several post-incident cyber costs, while THREE identifies cyber liability as one Business Owners Policy category without detailing its included terms. [4](https://www.coverdash.com/coverage/cyber "Cyber Insurance") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [7](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

## What Is Coverdash Insurance?

Coverdash suits small businesses that want online shopping or an embedded partner purchase with one account for policies and billing; firms needing specialized complex-risk advice should compare broker-led programs. [1](https://www.coverdash.com/faq "Frequently Asked Questions") [2](https://www.coverdash.com/about "About Us") [3](https://www.coverdash.com/terms "Terms And Conditions")

[Coverdash profile](https://spot.insure/insurance-providers/coverdash)

## 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](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [7](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. [9](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance") [10](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

### Coverage structure

Coverage descriptions and quote detail

### Service and placement

Coverdash describes notification, credit monitoring, forensics, ransomware negotiation and restoration, business-interruption income, and legal defense or settlements after a data exposure. THREE lists Cyber Liability in its Business Owners Policy but does not itemize those costs. Ask THREE which are covered by the quoted form; Coverdash’s page also leaves buyer-specific limits and sublimits to the proposal. [4](https://www.coverdash.com/coverage/cyber "Cyber Insurance") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Service and placement

Coverdash says its digital quote-to-purchase process can add other coverages alongside cyber, while THREE’s online route is for its combined Business Owners Policy and includes licensed advisor help. Both begin online, but they describe different product paths. Confirm whether cyber is standalone or bundled in the Coverdash proposal and what other THREE package lines your business qualifies for. [3](https://www.coverdash.com/terms "Terms And Conditions") [6](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

## What to Confirm in Cyber Insurance Quotes

- For Coverdash, request the insurer, limits, retentions, and separate ransomware and breach-response sublimits. [4](https://www.coverdash.com/coverage/cyber "Cyber Insurance")
- For THREE, identify included first- and third-party coverages, cyber limit, deductible, and package eligibility. [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

## Offering Details

| Criteria | Coverdash Cyber Insurance | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Coverdash arranges cyber coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. [3](https://www.coverdash.com/terms "Terms And Conditions") [4](https://www.coverdash.com/coverage/cyber "Cyber Insurance") (Evidence: Company-reported; scope: General brokerage terms applied to the cyber page; not specific to any one carrier or state..) | 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. [8](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 | The cyber page does not name the insurer that issues the policy. [4](https://www.coverdash.com/coverage/cyber "Cyber Insurance") (Evidence: Not publicly disclosed; scope: Reviewed cyber page as of 2026-09-23; the page describes coverage without naming a specific carrier..) | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [7](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 | Coverdash markets cyber coverage to any business that collects data, takes payments online, or relies on software, regardless of industry. [4](https://www.coverdash.com/coverage/cyber "Cyber Insurance") (Evidence: Company-reported; scope: Product-page eligibility description; actual acceptance depends on underwriting..) | 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. [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](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 | Coverdash describes cyber coverage as including data-breach response (notification, credit monitoring and forensics), ransomware (negotiation and restoring systems), business-interruption income loss during an attack-driven outage, and legal defense and settlements for lawsuits after a data exposure. [4](https://www.coverdash.com/coverage/cyber "Cyber Insurance") (Evidence: Company-reported; scope: Product-page coverage cards; the issued policy and declarations control actual wording, limits and exclusions..) | 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. [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [7](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 | The cyber page does not publish specific limit, retention or deductible amounts, or a separate sub-limit for ransomware versus breach-response costs. [4](https://www.coverdash.com/coverage/cyber "Cyber Insurance") (Evidence: Not publicly disclosed; scope: Reviewed cyber page as of 2026-09-23; figures are quote-specific and not shown on the public product page..) | 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. [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [7](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 reviewed cyber page does not describe security-monitoring or other risk-management services made available to policyholders; it describes only post-incident response coverage. [4](https://www.coverdash.com/coverage/cyber "Cyber Insurance") (Evidence: Not found in reviewed sources; scope: Cyber product page as read on 2026-09-23..) | Confirm in your quote. |
| How to Apply | Coverdash describes a fully digital quote-to-purchase process for cyber coverage, with the option to add other coverages alongside it. [4](https://www.coverdash.com/coverage/cyber "Cyber Insurance") (Evidence: Company-reported; scope: Product-page company information and cross-sell section..) | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. [6](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

- [Coverdash vs THREE by Berkshire Hathaway](https://spot.insure/compare/coverdash-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.
- [Coverdash vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/coverdash-vs-three/business-owners-policy)
- [Coverdash vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/coverdash-vs-three/commercial-auto)
- [Coverdash vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/coverdash-vs-three/commercial-property)
- [Coverdash vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/coverdash-vs-three/general-liability)
- [Coverdash vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/coverdash-vs-three/inland-marine)
- [Coverdash vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/coverdash-vs-three/liquor-liability)
- [Coverdash vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/coverdash-vs-three/professional-errors-omissions)
- [Coverdash vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/coverdash-vs-three/workers-compensation)
- [AIG vs Coverdash Cyber Insurance](https://spot.insure/compare/aig-vs-coverdash/cyber)
- [AIG vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/aig-vs-three/cyber)
- [Alliance Risk vs Coverdash Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-coverdash/cyber)
- [Alliance Risk vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-three/cyber)
- [Amelia Risk vs Coverdash Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-coverdash/cyber)
- [Amelia Risk vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-three/cyber)

## Sources

### Coverdash

1. [Frequently Asked Questions](https://www.coverdash.com/faq). Coverdash; Getting a quote & buying coverage; Claims & certificates; Billing & managing your policy; About Coverdash. Accessed 2026-09-15.
2. [About Us](https://www.coverdash.com/about). Coverdash; How Coverdash Works: direct and embedded channels; Our Investors. Accessed 2026-09-15.
3. [Terms And Conditions](https://www.coverdash.com/terms). Coverdash; "Coverdash does not provide any underwriting services"; broker/agent of record designation. Accessed 2026-09-23.
4. [Cyber Insurance](https://www.coverdash.com/coverage/cyber). Coverdash; Product introduction; Types of Coverage cards for Data breaches, Ransomware, System downtime, Lawsuits and liability; Who It's For. Accessed 2026-09-23.
5. [Coverage Hub](https://www.coverdash.com/coverage). Coverdash; Cyber & Crime category listing Cyber Insurance, Crime Coverage and Kidnap & Ransom. Accessed 2026-09-23.

### THREE by Berkshire Hathaway

6. [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.
7. [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.
8. [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

9. [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.
10. [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.

## Coverdash Reviews

Review Score: 7.2 / 10 from 2 rated sources, equally weighted.

Coverdash offers convenient quote comparison, but public customer feedback is sparse. A BBB unanswered-complaint record makes responsiveness worth checking before purchase.

- Trustpilot: TrustScore 3.8 (5); 2 reviews. Trustpilot review search using provider brand/domain; identity checked against the canonical insurance entity. Period: current page aggregate accessed 2026-09-25; 0 reviews in prior 12 months. Checked 2026-09-25. [Coverdash Reviews | Read Customer Service Reviews](https://uk.trustpilot.com/review/coverdash.com)
- BBB: BBB business grade B- (BBB letter grade). BBB business-profile and complaint search using legal business names and provider brand. Period: grade reason cites 1 unanswered complaint. Checked 2026-09-25. [Coverdash Insurance Services, LLC | BBB Business Profile](https://www.bbb.org/us/ny/new-york/profile/insurance-companies/coverdash-insurance-services-llc-0121-87182599)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/coverdash/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/coverdash-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)