HUB International vs THREE by Berkshire Hathaway: How Do They Compare for Inland Marine Insurance?

HUB brokers inland marine insurance through its marine insurance practice, drawing on what it describes as relationships with domestic and international insurance carriers rather than underwriting the coverage itself. ⁴Company-reported. Marine product page; neither reviewed page names a specific issuing insurer for inland marine.

THREE presents Inland Marine as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. ⁸Company-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.

Confirm in your quote.

The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. ⁷Company-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.

Confirm in your quote.

The reviewed product page does not state separate eligibility rules for Inland Marine; the general quote and advisor route is not proof that a particular business qualifies for it. ^8,6Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms.

HUB's glossary defines inland marine insurance as domestic coverage that protects business property, such as equipment, machinery or products, while it is transported over land by truck or train, used at a job site, or stored in a warehouse, including specialized items a standard business owner's policy would not cover. ⁵Company-reported. Glossary page definition; the issued policy's schedule of covered property and exclusions controls an actual claim.

HUB lists trade show exhibits, cargo items, sales samples, communication equipment, medical equipment, computer systems and photography equipment as examples of property commonly insured under an inland marine policy. ⁵Company-reported. Glossary page property examples; a specific policy's covered-property list is set on the quote and declarations.

HUB says inland marine policies can cover perils including fire, hail, theft, water damage and wind, plus accidental damage and mysterious disappearance of covered property. ⁵Company-reported. Glossary page peril list; coverage for a specific peril depends on the policy form and endorsements.

HUB's marine practice groups inland marine alongside related marine coverages it arranges, including marine cargo insurance, stock throughput insurance, protection and indemnity, charterers' liability and hull and machinery liability. ⁴Company-reported. Marine product page tailored-solutions list; not every listed coverage applies to a given inland marine client.

THREE's Business Owners Policy page lists Inland Marine 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. ^8,7Company-reported. Official THREE package marketing for Inland Marine. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy.

HUB says most inland marine policies carry a deductible and a stated coverage limit, and warns that claiming a loss beyond the policy's coverage limit can lead to penalties, but the reviewed pages do not publish specific deductible or limit amounts. ⁵Company-reported. Glossary page policy-structure description; actual deductibles and limits are set on the quote and declarations.

The reviewed public product page does not state a separate limit or deductible for Inland Marine; THREE says the quote-specific insurance summary lists limits and deductibles. ^8,7Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible.

HUB's marine page directs prospective clients to "Connect With a Broker" or contact a HUB marine insurance specialist rather than an online quote or bind flow. ⁴Company-reported. Marine product page call-to-action text.

THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. ⁶Company-reported. This is the route for the overall THREE product. It does not show whether Inland Marine will be offered for a particular business or whether a customer can bind that line without an issued policy.