Foxquilt vs 
THREE by Berkshire Hathaway
Introduction
Coverage Comparison
| Coverage | Foxquilt | THREE by Berkshire Hathaway |
|---|---|---|
| Builders risk | Listed 11Builder’s risk product page; policy-specific construction terms not established. | Not listed |
| Business owner’s policy | Listed 2Foxquilt’s About page lists Business Owner’s Policy among “Our Primary Coverages”; no current BOP-specific terms or bundled contents are established here. | Listed 28,20Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Commercial auto | Listed 8Commercial auto product page; HNOA is not split out. | Listed 28,20Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Commercial property | Listed 10Commercial property product page. | Listed 28,20Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Crime | Listed 17,18Foxquilt has a Crime Insurance product page, which says crime can be a BOP add-on or an isolated policy; the ConvertLabs cleaner program also lists Crime/Bonds but describes crime only. No bond product is inferred. | Not listed |
| Cyber liability | Listed 9Cyber product page; policy terms and limits not established. | Listed 28,20Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Directors and officers | Not listed | Listed 28Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Employment practices liability | Not listed | Listed 28Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Equipment breakdown | Not listed | Listed 28,20THREE 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 | Not listed | Listed 28Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| General liability | Listed 5,3Company CGL product page; line-specific CGL membership only. | Listed 28,20Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Hired and non-owned auto | Listed 4Advertised as a Hired & non-owned feature beneath Foxquilt’s Commercial Auto card; no distinct HNOA policy or terms established. | Not listed |
| Liquor liability | Not listed | Listed 28Marketed within THREE’s combined commercial policy if required; the quote and issued form determine availability and protection. |
| Professional errors and omissions (E&O) | Listed 6Professional E&O product page. | Listed 28Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Technology errors and omissions (E&O) | Listed 6Technology/creative class within broader E&O; no separate technology form established. | Not listed |
| Tools, equipment and inland marine | Listed 2,18Foxquilt lists Inland Marine among primary coverages; the ConvertLabs cleaner program describes limited mobile-equipment coverage (also called Inland Marine) commonly used by janitorial providers. This does not establish broad standalone inland-marine terms. | Listed 28Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Umbrella and excess liability | Listed 2,16Foxquilt lists Umbrella/Excess in its primary-coverages list and has a current Umbrella Insurance page that distinguishes umbrella from excess. Membership is for marketed umbrella only; a separate excess product is not established. | Not listed |
| Workers’ compensation | Listed 7Workers’ compensation page; state requirements vary. | Listed 28,20Marketed 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.
Foxquilt
Managing general agentCarrier & MGA
No Spot Score
Assessment subject unavailable
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.
Foxquilt
Review Score
3 rated sources
Customers rate Foxquilt well on Google (4.9 out of 5 from 526 reviews at its Charlotte office) and 3.5 out of 5 on Trustpilot from only 8 reviews. Put together, the Review Score is 8.9 out of 10.[12][5][6]
Read Foxquilt 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 Foxquilt and THREE
Business Roles and Access to Insurers
Foxquilt’s documented role shapes who handles underwriting and how you reach a policy.
Foxquilt markets a North American small-business insurance platform and describes licensed-broker services. Its terms name Foxquilt Insurance Services Inc. as the website, products and services operator. Its agent page calls Foxquilt a ‘North American Carrier’ and reports admitted CGL paper in 42 U.S. states and seven Canadian provinces, but names no license-holding entity or license identifier there. The reviewed sources do not map the Inc. or the separately listed Foxquilt Insurance Services LLC to a particular U.S. placement, delegated authority or issuing insurer, so the brand’s U.S. regulated role remains unresolved. 1,12,13,3,14Company-reported. Foxquilt brand and the separately named Inc. and LLC; company disclosures accessed through 2026-09-29. License wording is provider-published and was not independently regulator-verified; no exact license identifiers were found in the inspected provider disclosures.
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. 19,20,21Company-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.
Foxquilt says it serves small and midsize businesses and business-to-business networks. Its current CGL and E&O pages name contractors, e-commerce, personal services, consultants, technology and creative professionals, licensed professionals, and beauty and health services as target examples; listed classes are not guarantees of eligibility. 2,5,6Company-reported. Company-described North American small-business audience and example product classes; actual appetite depends on product, class, state and underwriting.
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. 19,25Company-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. 1 5 5 19 19 28
Foxquilt says customers can request and buy CGL and E&O online, with team assistance available, and receive documents after purchase. Its screens show example businesses, sample limits and prices; these are company illustrations, not quotes tested for a buyer or evidence that every risk can bind online. 5,6,1Company-reported. Company-reported CGL and E&O purchase workflow; no form was submitted and no quote or purchase was completed in this research.
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. 19,21Company-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 Foxquilt which product pages apply to your business and who issues each policy. Ask THREE which listed categories appear on your declarations and what exclusions apply. 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 | Foxquilt | THREE by Berkshire Hathaway |
|---|---|---|
| Business role | Foxquilt markets a North American small-business insurance platform and describes licensed-broker services. Its terms name Foxquilt Insurance Services Inc. as the website, products and services operator. Its agent page calls Foxquilt a ‘North American Carrier’ and reports admitted CGL paper in 42 U.S. states and seven Canadian provinces, but names no license-holding entity or license identifier there. The reviewed sources do not map the Inc. or the separately listed Foxquilt Insurance Services LLC to a particular U.S. placement, delegated authority or issuing insurer, so the brand’s U.S. regulated role remains unresolved. 1,12,13,3,14Company-reported. Foxquilt brand and the separately named Inc. and LLC; company disclosures accessed through 2026-09-29. License wording is provider-published and was not independently regulator-verified; no exact license identifiers were found in the inspected provider disclosures. | 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. 19,20,21Company-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. 26,25Company-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 | Foxquilt says it serves small and midsize businesses and business-to-business networks. Its current CGL and E&O pages name contractors, e-commerce, personal services, consultants, technology and creative professionals, licensed professionals, and beauty and health services as target examples; listed classes are not guarantees of eligibility. 2,5,6Company-reported. Company-described North American small-business audience and example product classes; actual appetite depends on product, class, state and underwriting. | 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. 19,25Company-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 | Foxquilt says customers can request and buy CGL and E&O online, with team assistance available, and receive documents after purchase. Its screens show example businesses, sample limits and prices; these are company illustrations, not quotes tested for a buyer or evidence that every risk can bind online. 5,6,1Company-reported. Company-reported CGL and E&O purchase workflow; no form was submitted and no quote or purchase was completed in this research. | 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. 19,21Company-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. 24Company-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
Foxquilt Official Website
- Commercial Insurance, Business Liability Coverage | Foxquilt. Foxquilt; Homepage: available-now CGL and E&O; other recommended products; digital purchase workflow; illustrative quote screens and carrier/support marks. Accessed 2026-09-29.
- About Us - North American Business Insurance Company. Foxquilt; Our Primary Coverages; North American Distribution; Foxden; broad company-level distribution statement. Accessed 2026-09-29.
- Become a Foxquilt Agent/Broker Partner. Foxquilt; Agent/broker product and servicing marketing: quote/bind/service in Foxden and instant documents (lines 22–24); service requests manage endorsements/cancellations (lines 130–138); digital servicing support says digitally manage endorsements/cancellations (lines 206–208); agents can file change requests in Foxden (lines 262–266). Separate CGL live selector states 42 U.S. states, 7 Canadian provinces and ‘Admitted paper Yes’ (lines 210–227). Page calls Foxquilt a ‘North American Carrier’ and says two products are built/underwritten in-house (lines 145–152). Directly reopened 2026-09-29. Provider-published marketing, not independent regulator verification; exact license-holding entity/type/identifier, specific policy authority and request-processing terms are not disclosed here. Accessed 2026-09-29.
- Other Coverages. Foxquilt; Other Coverages page: Workers’ Compensation, Commercial Auto, Cyber Liability and Commercial Property cards; Commercial Auto card lists Owned vehicles, Hired & non-owned, and Tools in transit as features; CGL/E&O are marked available now. Directly inspected 2026-09-29, lines 22–70. Accessed 2026-09-29.
- Commercial General Liability. Foxquilt; “What does CGL cover?”; “Foxquilt’s CGL is built for…”; digital quote/buy and certificates; “Built for North American small business”; limits FAQ; CGL exclusions FAQ. Directly reopened 2026-09-29, lines 53–64, 67–104, 135–215, 244–319. Accessed 2026-09-29.
- Professional Liability (E&O). Foxquilt; E&O summary and claims-made label; coverage examples; “Tech & Creative” classes; digital quote/buy; North American availability; lines 22–29, 52–65, 99–120, 138–253. Accessed 2026-09-29.
- Workers’ Compensation Insurance. Foxquilt; State-requirements FAQ; payroll/employee/location price factors; benefits list; self-employed and subcontractor FAQs. Reopened 2026-09-29, lines 148–162. Accessed 2026-09-29.
- Commercial Auto Insurance. Foxquilt; Product description, audience/use cases, claims scenarios and price factors. Reopened 2026-09-29, lines 42, 99–132. Accessed 2026-09-29.
- Cyber Business Insurance. Foxquilt; Cyber event description, target business types/data exposure, examples, price factors. Reopened 2026-09-29, lines 98–127. Accessed 2026-09-29.
- Commercial Property Insurance. Foxquilt; Property description and causes; target property; claim examples; pricing factors. Reopened 2026-09-29, lines 98–128. Accessed 2026-09-29.
- Builder’s Risk Insurance. Foxquilt; Construction-stage description and example causes; intended buyers; project-specific price factors. Reopened 2026-09-29, lines 98–127. Accessed 2026-09-29.
- Foxquilt Insurance Services | Terms & Conditions. Foxquilt; Sections 1.1–1.2 identify Foxquilt Insurance Services Inc. as service operator; no reviewed Inc.–LLC relationship statement. Accessed 2026-09-29.
- Foxquilt Insurance Services | Consumer & Privacy Info. Foxquilt; Privacy officer identity/address; “How We Get Paid For Our Services”; commission table and contingent-commission footnote; Canada-oriented company disclosure; no U.S. line/issuer mapping. Accessed 2026-09-29.
- Agency Detail: Foxquilt Insurance Services LLC. Westfield Insurance; Agency directory listing for Foxquilt Insurance Services LLC and Business coverage; does not disclose state appointment terms, delegated authority, or policy issuer. Accessed 2026-09-28.
- Foxquilt official website. Foxquilt; Official website is the provenance root for the visible brand mark; no reusable downloadable official logo file was verified during this pass. Accessed 2026-09-29.
- Smarter Umbrella Insurance For Your Business. Foxquilt; Current product page calls the product Umbrella Insurance; lines 98–104 describe umbrella vs excess and eligibility; lines 106–121 give illustrative scenarios; lines 127–132 discuss multi-insurer tower as hypothetical purchasing example. Directly inspected 2026-09-29. It supports an umbrella marketing membership, not a separate excess product, actual tower, underlying requirements, policy form or limits. Accessed 2026-09-29.
- Smarter Crime Insurance. Foxquilt; Current product page calls the product Crime Insurance; lines 90–104 describe money/securities, inside/outside theft and examples; lines 113–121 say crime may be included as a BOP add-on or bought as an isolated policy. Directly inspected 2026-09-29. Marketing does not establish form/limits or fidelity/surety bond coverage. Accessed 2026-09-29.
- Cleaner Insurance Program by Foxquilt. Foxquilt; Current Foxquilt-powered ConvertLabs cleaner program page; lines 108–135 lists CGL, Commercial Auto, Mobile Equipment, Crime/Bonds and Workers’ Compensation. Lines 127–128 identify Mobile Equipment as “also known as Inland Marine” and limit it to a small portion of equipment coverage commonly used by janitorial providers; lines 130–131 describe Crime, not bond terms. Page says program applications are available in Canada or the U.S. Directly inspected 2026-09-29. Accessed 2026-09-29.
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.
