What Is Embroker?
Embroker suits technology firms seeking a single application for management coverage plus eligible Tech E&O and cyber, and law firms seeking a grouped package; buyers needing only standard small-business coverage should compare direct carriers. 1,2,3
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. 5,6
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. 8,9
What Are the Key Differences Between Embroker and THREE by Berkshire Hathaway Cyber Insurance?
Coverage and service detail
Embroker separates first-party incident and recovery costs from third-party defense, settlements, and damages, and calls out notification, forensics, and PR costs after a breach. THREE lists cyber liability as a package category but does not explain those protections. Get THREE’s policy form before treating its package label as equivalent to Embroker’s stated coverage. 4 7
Buying route and policy specifics
Embroker offers a digital risk profile and says buyers can request a quote in under ten minutes; THREE likewise starts online and offers licensed advisors. Neither published record supplies policy limits. Compare the quote’s limits and deductibles alongside coverage, and keep Embroker’s warning in view: a technology E&O rider is not a substitute for cyber insurance. 4 5
What Should You Confirm in Embroker and THREE by Berkshire Hathaway Cyber Insurance Quotes?
Embroker and THREE by Berkshire Hathaway Review Scores for 2026
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
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
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 reviewsEmbroker vs THREE by Berkshire Hathaway Cyber Insurance Compared
Embroker vs THREE by Berkshire Hathaway: Cyber Insurance: documented features by provider
| Criteria | Embroker Cyber Insurance | THREE Business Owners Policy |
|---|---|---|
| Role in This Line | Embroker sells a standalone cyber liability policy and separately notes lawyers professional liability buyers should also review its cyber page, describing cyber as covering both first-party and third-party losses. 4Company-reported. Product-page description; not a statement about the issuing insurer for this line. | 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. 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. |
| Issuing Insurer | Confirm in your quote. | 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. |
| Who It’s For | Embroker markets cyber coverage to startups and tech companies, financial institutions, professional services firms, small and medium-sized businesses, healthcare providers and law firms, citing data-handling and digital-system exposure as the common thread. 4Company-reported. Product-page 'Who is cyber insurance coverage for?' section; not a guarantee of eligibility for a particular business. | 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. 7,5Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms. |
| Coverage Features | Embroker lists network security liability, privacy liability, data loss and recovery, business interruption, computer fraud and social-engineering losses, and cyber extortion including ransom payments among what the policy addresses. 4Company-reported. Product-page 'What does cyber insurance cover?' section; the issued policy and declarations control. Embroker says a breach response can include notification costs, credit monitoring for affected individuals, civil damages, computer forensics investigation, and coverage for reputational-damage costs such as PR management. 4Company-reported. Product-page breach-response cost list. Embroker warns that errors and omissions insurance is not cyber insurance and cannot substitute for it, even if the E&O policy has a technology error rider. 4Company-reported. Product-page 'Important Note'; distinguishes cyber from Embroker's separate tech E&O/cyber bundled product. Embroker separates first-party coverage (the policyholder's own incident-response, data-recovery and business-interruption costs) from third-party coverage (legal defense, settlements, regulatory fines and damages to affected parties). 4Company-reported. Product-page 'First-party coverage vs. third-party coverage' section. | 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. 7,6Company-reported. 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 reviewed cyber product page does not publish specific limit or deductible amounts; a page section titled 'Does cyber insurance have a deductible?' is listed in the index but returns no disclosed figures. 4Not publicly disclosed. Product page as read on 2026-09-23. | 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. 7,6Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible. |
| How to Apply | Embroker offers a free online risk-profile tool and says applicants can request a cyber insurance quote in under 10 minutes by describing their business. 4Company-reported. Product-page calls to action; 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 Cyber will be offered for a particular business or whether a customer can bind that line without an issued policy. |
Related Pages for Embroker vs THREE by Berkshire Hathaway Cyber
Cyber Insurance Pages for Embroker and THREE by Berkshire Hathaway
Other Coverage Lines Compared for Embroker vs THREE by Berkshire Hathaway
Other Cyber Insurance Provider Comparisons
Sources for Embroker vs THREE by Berkshire Hathaway Cyber Insurance
Sources About Embroker
- 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.
- Embroker Access. Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
- Cyber Insurance Coverage. Embroker; What is Cyber Insurance?; Who is cyber insurance coverage for?; What does cyber insurance cover?; First-party coverage vs. third-party coverage; Important Note on E&O. Accessed 2026-09-23.
Sources About THREE by Berkshire Hathaway
- Jargon-free small business insurance - THREE by Berkshire Hathaway. 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.
- The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway. 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.
- Business Owners Policy - THREE by Berkshire Hathaway. 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.
Sources for the Cyber Insurance Guide
- 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.
- CyberEdge specimen policy. 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.
