HUB International vs THREE by Berkshire Hathaway: How Do They Compare for Equipment Breakdown Insurance?

HUB brokers boiler and machinery (equipment breakdown) insurance, available as a standalone monoline policy or embedded within a client's property policy, rather than underwriting the coverage itself. ⁴Company-reported. Boiler and machinery product page, read 2026-09-23. The page does not name an issuing insurer.

THREE presents Equipment Breakdown 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.

No insurer is named for equipment breakdown coverage on the product page; the carrier depends on the placement. ⁴Not found in reviewed sources. Checked the boiler and machinery product page on 2026-09-23.

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.

HUB targets this coverage at manufacturing companies running equipment that must operate continuously, businesses that process goods using electrical, mechanical, heating or refrigeration equipment at scale, and small businesses protecting equipment such as air conditioners, computers, refrigerators and ovens. ⁴Company-reported. Product-page target-market description; not a published underwriting appetite.

The reviewed product page does not state separate eligibility rules for Equipment Breakdown; 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.

HUB says the coverage it arranges pays the costs to repair or replace equipment damaged by a sudden, unforeseen breakdown, losses from the resulting downtime, and other property damage caused by the malfunctioning equipment, and lists manufacturing equipment (boilers, generators, engines, HVAC systems, transformers) and office equipment (elevators, computers, copiers, security systems) as typical covered items. ⁴Company-reported. Product-page coverage description; the issued policy's definitions and exclusions control an actual claim.

HUB describes three coverage options for equipment breakdown: basic, broad, and consequential-damage coverage for losses resulting from equipment failure, plus an Extra Expense component that covers costs to keep operating during a breakdown but excludes loss of income unless combined with business income coverage. ⁴Company-reported. Product-page coverage-tier description.

THREE's Business Owners Policy page lists Equipment Breakdown, while its sample policy also excludes some machinery, equipment, or listed vehicles that stop without an accident. The public materials do not establish how an offered equipment-breakdown item changes that sample exclusion. ^7,6Company-reported. Company marketing and the displayed sample policy only; the selected quote, state-specific forms, and endorsements determine whether a specific equipment breakdown loss is covered.

Published policy limits or retentions for equipment breakdown coverage were not found on the product page. ⁴Not publicly disclosed. Checked the boiler and machinery product page on 2026-09-23; limits are set on the quote and declarations.

The reviewed public product page does not state a separate limit or deductible for Equipment Breakdown; 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.

The boiler and machinery product page does not describe engineering inspections or other line-specific risk-control services. ⁴Not found in reviewed sources. Checked the boiler and machinery product page on 2026-09-23.

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HUB directs prospects to "contact a HUB broker to get started" rather than an online quote or bind flow. ⁴Company-reported. Product-page call to action.

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 Equipment Breakdown will be offered for a particular business or whether a customer can bind that line without an issued policy.