Foxquilt vs 
THREE by Berkshire Hathaway: How Do They Compare for Commercial Property Insurance?
THREE presents property as one part of its combined Business Owners Policy, while Foxquilt markets commercial property for business-owned assets. The packaging distinction matters if you want to compare property independently from general liability or other BOP components; the named property category on a package page does not confirm what appears in your quote. 3,6
What Is Foxquilt?
Foxquilt offers several online-marketed small-business lines, but its public pages do not resolve which U.S. entity places each risk or which insurer issues each policy. Compare the specific product, state, terms and named entities before deciding whether the digital route fits your business. 1,2
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. 4,5
Read the THREE by Berkshire Hathaway profile
Read the THREE by Berkshire Hathaway Commercial Property Insurance page
What Is Commercial Property Insurance?
Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. 7,8,9
Key Differences in Commercial Property Insurance
THREE presents property as one part of its combined Business Owners Policy, while Foxquilt markets commercial property for business-owned assets. The packaging distinction matters if you want to compare property independently from general liability or other BOP components; the named property category on a package page does not confirm what appears in your quote. 3 6
Property inside a combined policy
THREE lists Property as a category in its Business Owners Policy; Foxquilt markets commercial property and names buildings, equipment and inventory. A buyer should compare the full THREE package against Foxquilt’s property proposal because the package includes other coverage categories. 6 3
What the product listing establishes
Foxquilt lists example property and damage types; THREE’s page identifies Property within its package and says Small Business Advisors can help with the quote process. Neither category list specifies the buyer’s scheduled items or policy wording, so review the proposed declarations before relying on the label. 3 6
What to Confirm in Commercial Property Insurance Quotes
Foxquilt 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.
Foxquilt Review Score
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
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 reviewsFoxquilt vs THREE by Berkshire Hathaway Commercial Property Compared
Foxquilt vs THREE by Berkshire Hathaway: Commercial Property Insurance: documented features by provider
| Criteria | Foxquilt Commercial Property | THREE Business Owners Policy |
|---|---|---|
| Role in This Line | Foxquilt markets Commercial Property for business-owned assets. 3Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | 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. 6Company-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. 5Company-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 | The page is aimed at businesses with physical property or leased premises; it does not identify every eligible occupancy or property class. 3Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | 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. 6,4Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms. |
| Coverage Features | The page discusses business property such as real estate, equipment and inventory, including damage from events such as fire, water, theft or wind. 3Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | 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. 6,5Company-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. |
| Limits and Retentions | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 3Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. | 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. 6,5Not 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 | The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. 3Company-reported. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. 4Company-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. |
Related Pages for Foxquilt vs THREE by Berkshire Hathaway
Commercial Property Pages for Foxquilt and THREE by Berkshire Hathaway
Other Coverage Lines Compared for Foxquilt vs THREE by Berkshire Hathaway
Other Commercial Property Insurance Provider Comparisons
Sources for Foxquilt vs THREE by Berkshire Hathaway
Sources About Foxquilt
- 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.
- 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.
- 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.
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 Commercial Property Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; What Should I Expect from a Broker-Agent; Commercial Property: Coverage Sections, Limits of Insurance, and Coinsurance; Covered Causes of Loss; Valuation Types; Inland Marine. Accessed 2026-09-16.
- Business Interruption Insurance/Businessowner’s Policies (BOP). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16.
- Commercial property insurance guide. Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your insurance. Accessed 2026-09-16.
