HUB International vs 
THREE by Berkshire Hathaway: How Do They Compare for Business Owner’s Policy?
What Is HUB International?
HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. 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
Read the THREE by Berkshire Hathaway profile
Read the THREE by Berkshire Hathaway Business Owner’s Policy page
What Is a Business Owner’s Policy?
A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. 8,9
Key Differences in Business Owner’s Policy
Tailoring and coverage detail
HUB says an advisor works with each client to fine-tune the BOP for its line of business. It describes building and business property, including equipment, stock, furniture, and fixtures, alongside liability for injury and property-damage claims caused by the business or employees. THREE also markets a combined BOP, but its reviewed product page does not itemize these protections or describe comparable tailoring. A buyer with unusual premises or inventory should ask both for a scheduled list of insured property and the liability wording. 4 7
Broker relationship and quote access
HUB brokers the policy and directs prospects to contact a HUB broker; no self-serve quote or binding flow is described. THREE offers an online quote and says licensed Small Business Advisors can assist. The routes differ in how a buyer begins: a named broker relationship with HUB versus an online entry point at THREE. Compare who will handle changes and claims questions after purchase, as well as the insurer identified on the final declarations. 4 5
What to Confirm in Business Owner’s Policy Quotes
- Ask HUB which carrier will issue the BOP and what property schedule and liability options its advisor proposes. 4
- Ask THREE to itemize the included property and liability protections and confirm how an advisor participates. 7 5
- Compare service contacts for policy changes and claim reporting after binding. 4 5
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.
HUB International
Review Score
2 rated sources
Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.[7][6]
Read HUB International 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
HUB International vs THREE by Berkshire Hathaway: Business Owner’s Policy: documented features by provider
| Criteria | HUB International Business Owners Policy Brokerage | THREE Business Owners Policy |
|---|---|---|
| Role in This Line | HUB brokers business owners policies rather than underwriting them, placing a combined property-and-liability package with an insurer on the client's behalf. 4Company-reported. BOP product page as read 2026-09-23; the page does not name an issuing insurer. | THREE presents its Business Owners Policy as a combined product containing multiple business coverage categories. 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 BOP product page does not name an issuing insurer; HUB places BOP business with insurers that vary by client and placement. 4Not found in reviewed sources. Checked the BOP product page on 2026-09-23; no carrier is disclosed there. | 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 | Confirm in your quote. | The reviewed product page does not state separate eligibility rules for Business Owners Policy; 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 | HUB describes its BOP as combining building and business-property insurance, which repairs or replaces damaged buildings, equipment, stock, furniture or fixtures, with business liability insurance for injury or property-damage claims caused by the business or its employees. 4Company-reported. Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim. | THREE labels its combined product a Business Owners Policy and describes multiple business coverages in one policy. The reviewed product page does not establish the exact protections included in a particular quote or issued contract. 7,6Company-reported. Company's description of the U.S. packaged product; a product name is not a policy entitlement. The buyer's state-specific quote, declarations, and forms control. |
| Limits and Retentions | Published coverage limits, deductibles or premium ranges for HUB-placed BOPs were not found on the product page. 4Not publicly disclosed. Checked the BOP product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page. | The reviewed public product page does not state a separate limit or deductible for Business Owners Policy; 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 | HUB says an advisor works with the client to fine-tune the BOP with options that fit the client's line of business, and positions the policy as a way to eliminate coverage gaps between separate property and liability policies. 4Company-reported. Product-page marketing copy; no specific risk-control service beyond broker consultation is described. | Confirm in your quote. |
| How to Apply | HUB directs prospects to contact a HUB broker to get started on a BOP; no online quote or self-serve bind flow is described on the page. 4Company-reported. Product-page call to action as read 2026-09-23. | 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 Owners Policy will be offered for a particular business or whether a customer can bind that line without an issued policy. |
Full Comparison
More HUB International vs THREE by Berkshire Hathaway Comparisons
Other Business Owner’s Policy Comparisons
Sources
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- Business Owners Policy (BOP) Company Coverage. HUB International; BOP definition: combination of business property and liability protection for small and mid-size businesses; building and business property insurance section; business liability insurance section; related products; Connect With a Broker. 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.
Business Owner’s Policy Guide
- Small Business. National Association of Insurance Commissioners; FAQ: What’s a business owners policy?; What’s general liability insurance. Accessed 2026-09-16.
- Business Interruption and Business Owner Policy. National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.
