Heffernan Insurance Brokers vs THREE by Berkshire Hathaway

Heffernan is a broker that shops insurers, presents options and arranges coverage; the policy’s insurer, not Heffernan, issues it and handles covered claims. ^6,9,5,1Company-reported. Company-described broking role. Do not infer underwriting authority for all products from the marine-cargo program’s in-house authority language.

Confirm the exact producer on your agreement and policy: Heffernan’s pages use that business name and display California license 0564249 but no longer corporate suffix. ^1,24,2Company-reported. Brand and license-number display only. Not independent license verification or a complete legal-entity chart.

Heffernan describes itself as employee-owned and independent since 1988; a 2019 investor release described a minority investment, but current ownership percentages are not public. ^1,2,25Company-reported. Company and investor announcements. Not a current cap-table verification.

If you need California technology insurance, verify which related Heffernan entity will serve as producer; its network, London, and benefits entities do not identify the entity for your policy. ^21,22,11,3Company-reported. Official related-entity descriptions. Costero’s FCA status and Heffernan’s exact current ownership of Costero were not independently verified.

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. ^27,28,29Company-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. ^34,33Company-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.

Technology companies in mid-to-late stages, including venture-funded and pre-IPO firms, can work with Heffernan’s specialty practice; its small-business team serves sole proprietors through fast-growing firms. ^1,7,8,2Company-reported. Current official positioning. Not a minimum-size, funding-stage, or eligibility determination for any applicant.

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. ^27,33Company-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.

You can start with an inquiry form asking for contact details, insurance needs and an operations description; the form was not submitted, so quote results and binding steps were not established. ¹²Verified. Chrome inspection of the unsubmitted Contact Form 7 on heffins.com/contact-us/. No fields completed and no submission. Downstream underwriting and post-submission behavior not tested. The wording was checked against the stored inspection record on 24 September 2026; the website was not revisited.

Technology buyers work with a specialist broker who gathers insurer quotes and helps choose coverage; Heffernan does not promise a universal quote or binding time for growth-stage programs. Quick Insure is a separate path for selected personal and short-term business products. ^7,9,13,12Company-reported. Service descriptions. Technology-page FAQ “how do I get” language is educational process copy, not a measured SLA.

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. ^27,29Company-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. ³²Company-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.