Coverdash vs THREE by Berkshire Hathaway: How Do They Compare for Equipment Breakdown Insurance?

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

THREE presents Equipment Breakdown 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 equipment breakdown 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 markets equipment breakdown to any business relying on HVAC, refrigeration, computers or production equipment, saying it covers failures that standard property policies exclude. Its FAQ names restaurants, offices and manufacturers as examples. ⁴Company-reported. Who it's for section and FAQ; illustrative audience, not an exhaustive eligibility list.

The reviewed product page does not state separate eligibility rules for Equipment Breakdown; 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.

Equipment breakdown coverage includes sudden mechanical breakdown of machinery, electrical damage from power surges and electrical failures, repair or replacement of the failed equipment, and reimbursement for income lost while the equipment is down. ⁴Company-reported. Types of Coverage section; subject to exclusions and terms in the policy as issued.

Coverdash's FAQ distinguishes equipment breakdown from commercial property, which it says covers external causes like fire and theft, and from a manufacturer's warranty, which covers defects for a set period. It describes equipment breakdown as covering accidental internal failures, such as motor burnout, over the life of the equipment. ⁴Company-reported. FAQ answers on how equipment breakdown differs from property coverage and a warranty.

THREE's Business Owners Policy page lists Equipment Breakdown, while its sample policy also excludes some machinery, equipment, or listed vehicles that stop without an accident. The public materials do not establish how an offered equipment-breakdown item changes that sample exclusion. ^7,6Company-reported. Company marketing and the displayed sample policy only; the selected quote, state-specific forms, and endorsements determine whether a specific equipment breakdown loss is covered.

The equipment breakdown page and its FAQ do not publish limit amounts or deductibles for this line. 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 Equipment Breakdown; 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 an equipment breakdown 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 Equipment Breakdown will be offered for a particular business or whether a customer can bind that line without an issued policy.