Embroker vs 
THREE by Berkshire Hathaway
Embroker serves technology, funded startup and professional-services buyers, with an online entry and broker help; THREE starts with a small-business quote and advisor route. Compare Embroker when your need involves a specialist management or professional-liability program, and THREE for its small-business product. 26,15,9,27,36
Introduction
Coverage Comparison
| Coverage | Embroker | THREE by Berkshire Hathaway |
|---|---|---|
| Business owner’s policy | Listed 8Embroker lists a business owner’s policy with a quote route. | Listed 36,28Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Commercial auto | Listed 21Embroker offers help obtaining commercial auto insurance and invites quote requests. | Listed 36,28Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Commercial property | Listed 22Embroker offers help obtaining commercial property insurance and invites property quote requests. | Listed 36,28Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Crime | Listed 8Embroker lists commercial crime and offers a corresponding quote path. | Not listed |
| Cyber liability | Listed 8Embroker lists cyber insurance with a quote route. | Listed 36,28Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Directors and officers | Listed 8Embroker lists directors and officers insurance with a quote route. | Listed 36Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Employment practices liability | Listed 8Embroker offers quotes for employment practices liability as an individual coverage. | Listed 36Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Equipment breakdown | Not listed | Listed 36,28THREE 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 liability | Listed 8Embroker lists fiduciary liability with a quote route. | Listed 36Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| General liability | Listed 8Embroker offers a general liability quote route among its individual business coverages. | Listed 36,28Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Key person | Listed 20Embroker arranges key person insurance. | Not listed |
| Liquor liability | Not listed | Listed 36Marketed within THREE’s combined commercial policy if required; the quote and issued form determine availability and protection. |
| Management liability | Listed 9Embroker markets a management insurance suite for private companies. | Not listed |
| Product liability | Listed 24Embroker lists product liability insurance for companies that produce, distribute or sell products. | Not listed |
| Professional errors and omissions (E&O) | Listed 8,14Embroker lists professional liability (errors and omissions) for professional services, separately from lawyers professional liability and technology errors and omissions. | Listed 36Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Surety bonds | Listed 23Embroker arranges construction-contract and license or permit surety bonds. | Not listed |
| Technology errors and omissions (E&O) | Listed 11Embroker offers blended technology errors and omissions and cyber coverage through appointed brokers for private, for-profit technology companies with revenue below $300 million, excluding crypto, blockchain and cannabis businesses. | Not listed |
| Tools, equipment and inland marine | Not listed | Listed 36Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Venture capital asset protection | Listed 25Embroker markets VCAP insurance for venture capital and private equity firms. | Not listed |
| Workers’ compensation | Listed 8Embroker arranges workers’ compensation insurance. | Listed 36,28Marketed 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.
Embroker
BrokerBroker
5.1/ 10Assessed provider: Embroker. Scope: Embroker, Inc. and Embroker Insurance Services LLC as a U.S. digital insurance platform and producer; product-specific insurers include Everspan Indemnity Insurance Company and Everest National Insurance Company for named programs, not the entire catalogue.
THREE by Berkshire Hathaway
CarrierCarrier & 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.
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.
Embroker
Review Score
3 rated sources
Embroker’s reviews are mixed, and BBB records a complaint-response concern. The feedback is too limited to establish consistent service quality.[4][6][7]
Read Embroker reviewsTHREE by Berkshire Hathaway
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 reviewsKey Differences Between Embroker and THREE
Business Roles and Access to Insurers
Embroker’s documented role shapes who handles underwriting and how you reach a policy.
A lawyers’ liability specimen names Embroker Insurance Services LLC as producer. Confirm the producer and insurer named for your own policy. 15Company-reported. Producer named in the lawyers’ liability specimen only. This fact does not establish ultimate ownership, the producer for every product or nationwide licensing.
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. 27,28,29Company-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.
Funded startups, technology firms, law firms and other professional-services businesses can apply online or get broker help buying and managing coverage through Embroker. 1,2,4Company-reported. Current public customer positioning and documented distribution channels; no claim that every applicant is eligible.
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. 27,33Company-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. 15 26 9 27 27 36
Embroker provides an online quote entry; the reviewed observation establishes the entry point, not the fields collected. 26Company-reported. Read-only observation of the public quote entry at https://app.embroker.com/signup on 15 September 2026; no form submitted or account created.
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. 27,29Company-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
Ask Embroker which lines in its management suite are separately selected and which producer and insurers apply. Ask THREE which coverages and limits are actually in your quoted policy. 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
| Criteria | Embroker | THREE by Berkshire Hathaway |
|---|---|---|
| Business role | A lawyers’ liability specimen names Embroker Insurance Services LLC as producer. Confirm the producer and insurer named for your own policy. 15Company-reported. Producer named in the lawyers’ liability specimen only. This fact does not establish ultimate ownership, the producer for every product or nationwide licensing. Embroker offers its own programs directly and through other brokers; it may do underwriting work under insurer guidelines, but the insurer named in your policy carries the risk. 10,2Company-reported. Program distribution and delegated work as described by the company. Not a finding of statutory MGA status or identical authority on every product. The reviewed materials do not establish Embroker, Inc.’s ultimate beneficial ownership. 7Not found in reviewed sources. Ultimate beneficial ownership remains unresolved; the reviewed materials do not establish a current controlling parent. Funding or partnership is not ownership proof. | 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. 27,28,29Company-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. 34,33Company-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 | Funded startups, technology firms, law firms and other professional-services businesses can apply online or get broker help buying and managing coverage through Embroker. 1,2,4Company-reported. Current public customer positioning and documented distribution channels; no claim that every applicant is eligible. | 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. 27,33Company-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 | Embroker provides an online quote entry; the reviewed observation establishes the entry point, not the fields collected. 26Company-reported. Read-only observation of the public quote entry at https://app.embroker.com/signup on 15 September 2026; no form submitted or account created. An online account alone does not appoint Embroker as your broker; using its brokerage requires a broker-of-record appointment and usually exclusive work with Embroker for those services. 2Company-reported. Terms §2A; distinction between software access and brokerage engagement, not an interpretation of enforceability. An application may need more underwriting details or be declined, and a quote alone does not start coverage. 2Company-reported. Terms §13. No quote or binding transaction performed. | 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. 27,29Company-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. 32Company-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. |
Related Reading
Sources
Embroker Official Website
- Embroker. Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
- Terms And Conditions. Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
- Compensation Disclosure. Embroker; Commissions (including contingent and supplemental); Client fees; Other benefits or compensation. Accessed 2026-09-15.
- Insurance FAQ. Embroker; Engaging Embroker: leaving and transferring policies; Applying for insurance; Renewals; Other insurance services: specimen policies, certificates and policy documents. Accessed 2026-09-15.
- Published License List. Embroker; AK–WY list, including DC; California 0K44291. Accessed 2026-09-15.
- California License Number Search. California Department of Insurance; License-number search for 0K44291. Accessed 2026-09-15.
- Embroker Insurance Services LLC — Entity Record. Florida Department of State, Division of Corporations; Document M15000008735; foreign LLC, Delaware; Authorized Member: Embroker, Inc.; 2026 annual report filed 20 January 2026. Accessed 2026-09-15.
- Business Insurance Coverage Options. Embroker; Individual coverages: Business Owners Policy, Commercial Crime, Cyber, Directors & Officers, Employment Practices Liability, Fiduciary Liability, General Liability, Professional Liability (Errors and Omissions), Workers Compensation; Coverages navigation: Lawyers Professional Liability, Professional Liability, Tech Errors and Omissions; industry packages; invitation to seek other policies through Embroker; Get a Quote links. Accessed 2026-09-16.
- Embroker Launches EMIS. Embroker; 19 August 2026 announcement: introduction; What’s changing; coverage options (four coverages); legacy renewals versus new business; Availability; About Embroker issuer disclosure naming Everspan Indemnity Insurance Company. Accessed 2026-09-16.
- Embroker Access. Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
- Tech E&O / Cyber — Broker Program. Embroker; Tech E&O / Cyber hero; Appetite: private for-profit technology companies, revenue below $300M, MFA above $5M, excluded crypto, blockchain and cannabis industries; Coverage Highlights, including software code infringement; Get Appointed. Accessed 2026-09-16.
- Technology Errors And Omissions / Cyber. Embroker; What’s not included: copyright, libel and intellectual property; FAQ: additional coverages and excess coverage cannot be written over an Embroker primary policy. Accessed 2026-09-15.
- Excess Tech E&O / Cyber. Embroker; At a Glance; Appetite; underlying Tech E&O requirement; Everspan underwriting statement; ineligible industries; documents required to quote; Excess Tech E&O / Cyber. Accessed 2026-09-16.
- Lawyers Professional Liability — Broker Program. Embroker; Appetite: 1–25 attorneys, claims-free and no discipline; standalone lawyers professional liability program; Everest National; coverage highlights and defense cost features. Accessed 2026-09-16.
- Everest Elevation Lawyers Professional Liability — Specimen. Everest National Insurance Company (hosted by Embroker); PDF pp. 2–3: declarations LPL-CWF001A-1 0319 name Everest National and Embroker Insurance Services LLC; PDF p. 5: LPL-CWF100A-1 0319 warning and §I, claims-made/reporting/retroactive date; PDF p. 4 lists state amendments as TBD. Accessed 2026-09-15.
- Law Firm Insurance Package. Embroker; Comprehensive coverage for law firms: Lawyers Professional Liability, Cyber, Business Owners Policy and Workers Compensation tabs. Accessed 2026-09-15.
- Insurance For Technology Companies. Embroker; Technology Package: Tech E&O/Cyber and BOP; Plus-only fraud, bricking and utility features; optional hired/non-owned auto under BOP. Accessed 2026-09-15.
- Embroker’s AI Coverage. Embroker; Article (published 26 May 2026; endorsement effective 5 August 2025): What’s included; algorithm removal expenses up to $150,000; qualifying Technology E&O/Cyber quotes. Accessed 2026-09-15.
- Claims. Embroker; How it works: account Claims tab, confirmation and review; FAQ: active cyber events use policy hotline, other claims use insurer contacts; no fixed resolution time. Accessed 2026-09-15.
- Key Person Insurance. Embroker; Key Person Insurance product introduction: life insurance for an executive, founder or other critical employee; concierge service; inquiry form and quote route. Accessed 2026-09-16.
- Commercial Auto Insurance. Embroker; Opening Embroker service offer; Who Is It For? commercial auto quote invitation. Accessed 2026-09-16.
- Commercial Property Insurance. Embroker; Opening Embroker service offer; Who Is It For? property quote invitation. Accessed 2026-09-16.
- Surety Bonds. Embroker; Surety Bonds: opening statement that Embroker helps obtain surety bonds; What are they? (obligee, principal and surety; government agency; license or permit); What Is a Construction Bond?; Get a Quote. Accessed 2026-09-16.
- Product Liability Insurance. Embroker; Product Liability Insurance introduction (injury or property damage from products produced, distributed or sold); Why Get It With Embroker?; Get a Quote. Accessed 2026-09-16.
- Insurance For Venture Capital And Private Equity Firms. Embroker; Insurance simplified for VC & private equity firms: VCAP offering, growth-practice brokers and platform service; comprehensive VCAP insurance for finance/VC/PE firms. Accessed 2026-09-16.
- Start An Embroker Quote. Embroker; Public first screen: company name, optional website question, linked terms/disclosure and Continue. Accessed 2026-09-15.
THREE by Berkshire Hathaway Official Website
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
