Embroker vs THREE by Berkshire Hathaway: How Do They Compare for Commercial Property Insurance?

Embroker sells commercial property as a standalone policy and says it is also the core property component of its Business Owners Policy, with a standalone policy offering higher limits and broader coverage than the BOP version. ⁴Company-reported. Product-page description; not a statement about the issuing insurer.

THREE presents Property 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.

Embroker markets the policy to any business that leases or owns office space, manufactures products, manages inventory, leases equipment, or maintains the property of others. ⁴Company-reported. Product-page 'Who Is It For?' section; not a guarantee of coverage for a particular business.

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

Embroker lists coverage for the insured premises, equipment and tools, inventory, furniture, business property used off-site, and lost income after property damage. Policies can be written on an all-perils or named-perils basis. ⁴Company-reported. Product-page coverage and 'What's Not Covered' sections; the issued policy and declarations control.

Embroker offers a choice between Actual Cash Value (depreciated market value) and Replacement Cost valuation for a property loss, noting replacement-cost policies cost more since they don't account for depreciation. ⁴Company-reported. Product-page 'Actual Cash Value vs Replacement Cost' section.

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

Embroker says most commercial property policies have a deductible that can vary by the peril that caused the claim (for example, a different deductible for fire versus earthquake damage); it does not publish standard limit amounts. ⁴Company-reported. Product-page 'Does Commercial Property Insurance Have A Deductible?' section.

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

Embroker says it does not require equity ownership or financial statements to quote commercial property coverage, and lets buyers choose their own limit and deductible when signing up on its platform. ⁴Company-reported. Product-page 'Why Get It With Embroker?' section; no quote was requested during this research.

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