Harper vs 
THREE by Berkshire Hathaway: How Do They Compare for Commercial Auto Insurance?
What Is Harper Insurance?
Harper suits hard-to-place businesses such as contractors, care providers, manufacturers and transportation firms; standard small businesses seeking direct quotes should compare online carriers. Its workers’ compensation service helps classify payroll for audits. 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. 5,6
Read the THREE by Berkshire Hathaway profile
Read the THREE by Berkshire Hathaway Commercial Auto Insurance page
What Is Commercial Auto Insurance?
Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. 8,9,10,11
Key Differences in Commercial Auto Insurance
Transportation focus and vehicle damage
Harper’s transportation practice serves freight carriers, trucking companies, passenger transport, and specialized operators. It distinguishes liability for vehicle accidents and third-party injuries from physical-damage coverage for collision and comprehensive damage to vehicles. THREE lists Business Auto within its combined BOP but does not identify trucking classes or explain physical-damage options in the reviewed offering. A carrier should ask Harper about transport fit and ask THREE whether its package extends to fleets and required filings. 3 7
Operating-authority documents
Harper says it can deliver proof-of-insurance documents quickly for FMCSA operating-authority requirements and explains auto, cargo, and FMCSA rules. THREE’s reviewed Business Auto description does not mention transportation filings or cargo. For a regulated carrier, document timing can affect when operations begin; confirm the named insured, filing responsibility, and delivery with each quote. 3 5
What to Confirm in Commercial Auto Insurance Quotes
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.
Harper
Review Score
No reviews found
We found no customer star rating for Harper. Its Trustpilot page has 0 reviews, and BBB shows 0 customer reviews and 2 complaints.[4][6]
Read Harper 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 reviewsOffering Details
Harper vs THREE by Berkshire Hathaway: Commercial Auto Insurance: documented features by provider
| Criteria | Harper Commercial Auto Insurance | THREE Business Owners Policy |
|---|---|---|
| Role in This Line | Harper describes itself as taking one application for a transportation business and calling the insurance companies that write commercial auto for that kind of operation, rather than underwriting the policy itself. 3,4Company-reported. Transportation industry page 'Why Harper' section and homepage coverage-list introduction. | THREE presents Business Auto 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 | The reviewed pages do not name the insurer or insurers that would issue a commercial auto policy Harper places; the transportation page describes 'every market' generally without listing carriers. 3,4Not publicly disclosed. Checked the transportation industry page and homepage insurer-logo panel on 2026-09-23; no carrier names found for commercial auto specifically. | 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 | Harper says its transportation practice, which includes commercial auto liability, covers freight carriers, trucking companies, passenger transport services and specialized transportation operators. 3Company-reported. Transportation industry page 'Who this is for' section; general small-business intake elsewhere on the site does not repeat this list. | The reviewed product page does not state separate eligibility rules for Business Auto; 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 | Harper describes commercial auto liability as coverage for vehicle accidents and third-party injuries during transportation operations, alongside a separate physical-damage coverage for collision and comprehensive damage to the vehicles themselves. 3,4Company-reported. Transportation industry page coverage callouts; the homepage separately describes commercial auto with 'coverage limits your contracts accept' rather than published limit amounts. | THREE's Business Owners Policy page lists Business Auto 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 Business Auto. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy. |
| Limits and Retentions | Harper's reviewed pages do not publish commercial auto liability or physical-damage limits and deductibles; the homepage says only that coverage comes with 'limits your contracts accept,' meaning the buyer's own contracts, not a published Harper figure, set the target. 4,3Not publicly disclosed. Checked the homepage and transportation industry page on 2026-09-23. | The reviewed public product page does not state a separate limit or deductible for Business Auto; 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. |
| Risk Services | Harper says it delivers proof-of-insurance documents quickly to support FMCSA operating-authority requirements, and describes explaining commercial auto, cargo coverage and FMCSA requirements in plain terms. 3Company-reported. Transportation industry page 'Why Harper' section. | Confirm in your quote. |
| How to Apply | You can request a commercial auto quote through Harper's online intake by selecting the 'Work vehicles (commercial auto)' checkbox, or by using the transportation-specific intake form, along with the business's state and estimated annual revenue. 4,3Company-reported. Homepage and transportation industry page quote-intake forms. | 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 Business Auto will be offered for a particular business or whether a customer can bind that line without an issued policy. |
Full Comparison
More Harper vs THREE by Berkshire Hathaway Comparisons
Other Commercial Auto Insurance Comparisons
Sources
Harper
- Text Messaging Terms and Conditions. Harper Global Enterprises Inc.; Effective August 24, 2026; sections 1–3 (entity, consent and service messages), 5 (message costs), 9 (delivery) and 11 (coverage confirmation). Accessed 2026-09-15.
- We're Announcing $47M to Build the Insurance Company Every Business Deserves. Harper / Dakotah Rice; February 26, 2026 article: brokerage identity; AI-assisted submissions and follow-ups; 24–48-hour coverage statement; more than 165 underwriters; plans for additional direct appointments. Accessed 2026-09-15.
- Transportation Insurance. Harper; Know your coverage: What is Transportation insurance?; Commercial Auto Liability, Cargo Protection, Physical Damage, Certificates callouts; Who this is for; Why Harper (Transportation Expertise, Fast Proof for Authority, Clear Simple Guidance). Accessed 2026-09-23.
- Harper Homepage. Harper; What we cover: 'Commercial auto insurance — One work truck or a full fleet, with coverage limits your contracts accept.'; quote-intake checkbox 'Work vehicles (commercial auto)'. Accessed 2026-09-23.
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.
Commercial Auto Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Commercial Automobile: Coverage, Classification and Limits. Accessed 2026-09-16.
- Auto Insurance. NAIC; Coverages. Accessed 2026-09-16.
- Business Vehicle Insurance. Insurance Information Institute; Will My Personal Auto Policy Cover Business Use?; What Vehicles Are Covered?; What Coverage Do I Need if Employees Drive Their Personal Vehicles for Business?; Does a Business Umbrella Cover Autos?; Do I Need a Business Auto Policy?; Be Sure the Right Insured Is on the Policy. Accessed 2026-09-16.
- Business Auto Coverage Form. Insurance Services Office, Inc.; hosted by National General; I.A, printed/PDF page 1; II.A.1, printed/PDF page 2; III.C–D, printed/PDF page 6; II.B.6, printed/PDF page 3; III.B.3, printed/PDF page 6. Accessed 2026-09-16.
