Insureon vs 
THREE by Berkshire Hathaway
Introduction
Coverage Comparison
| Coverage | Insureon | THREE by Berkshire Hathaway |
|---|---|---|
| Business owner’s policy | Listed 13Insureon markets Business Owner’s Policy (BOP); description does not establish insurer, policy terms, or individual availability. | Listed 31,23Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Commercial auto | Listed 16Insureon markets Commercial Auto; description does not establish insurer, policy terms, or individual availability. | Listed 31,23Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Commercial property | Listed 15Insureon markets Commercial Property; description does not establish insurer, policy terms, or individual availability. | Listed 31,23Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Cyber liability | Listed 14Insureon markets Cyber Insurance; description does not establish insurer, policy terms, or individual availability. | Listed 31,23Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Directors and officers | Not listed | Listed 31Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Employment practices liability | Not listed | Listed 31Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Equipment breakdown | Not listed | Listed 31,23THREE lists equipment breakdown within the package; its displayed sample excludes machinery, equipment or listed vehicles that stop without an accident. Check the quoted form for the actual protection. |
| Fidelity bonds | Listed 19Insureon markets Fidelity Bonds; description does not establish insurer, policy terms, or individual availability. | Not listed |
| Fiduciary liability | Not listed | Listed 31Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| General liability | Listed 10Insureon markets General Liability; description does not establish insurer, policy terms, or individual availability. | Listed 31,23Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Liquor liability | Not listed | Listed 31Marketed within THREE’s combined commercial policy if required; the quote and issued form determine availability and protection. |
| Professional errors and omissions (E&O) | Listed 12Insureon markets Professional Liability (E&O); description does not establish insurer, policy terms, or individual availability. | Listed 31Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Surety bonds | Listed 19Insureon markets Small Business Surety Bonds; description does not establish insurer, policy terms, or individual availability. | Not listed |
| Tools, equipment and inland marine | Listed 18Insureon markets Tools and Equipment Insurance; description does not establish insurer, policy terms, or individual availability. | Listed 31Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Umbrella and excess liability | Listed 17Insureon markets Commercial Umbrella; description does not establish insurer, policy terms, or individual availability. | Not listed |
| Workers’ compensation | Listed 11Insureon markets Workers’ Compensation; description does not establish insurer, policy terms, or individual availability. | Listed 31,23Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.
Current Spot Scores
Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.
Insureon
BrokerBroker
No Spot Score
Assessment subject unavailable
THREE by Berkshire Hathaway
CarrierCarrier & MGA
No Spot Score
Assessed entity: Berkshire Hathaway Direct Insurance Company. Scope: Berkshire Hathaway Direct Insurance Company (BHDIC), the insurer named on the displayed THREE sample policy. THREE is the commercial product/DBA label. This assessment uses BHDIC-specific evidence only; information about parent companies, affiliates, brokers and other Berkshire insurers is not transferred to BHDIC.
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.
Insureon
Review Score
4 rated sources
Insureon's ratings are split. Trustpilot shows 4.5 out of 5 from 2,401 reviews, while ConsumerAffairs shows 1.0 from 344.[1][2]
Read Insureon 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 reviewsKey Differences Between Insureon and THREE
Business Roles and Access to Insurers
Insureon’s documented role shapes who handles underwriting and how you reach a policy.
Insureon describes itself as a digital agency for US small-business insurance and says it works in both agent and broker roles; it distinguishes insurers as the companies that issue policies and pay claims. This company-reported description does not establish Insureon as an insurer or verify its capacity or license for a particular line, risk, or state. 3,4Company-reported. Company description of Insureon's US small-business distribution roles; it does not identify capacity, insurer or licensing for a specific product, risk, or state.
THREE documents its own insurance role and access arrangement.
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. 22,23,24Company-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.
Customer Fit and Application
Compare each provider’s stated customer focus against your business activities and stage; a published target market is not a guarantee of eligibility.
Insureon's US commercial-insurance pages describe marketing segments of small businesses with 1–20 employees and midsize businesses with 21–100 employees. Its examples include sole proprietors, independent contractors, freelancers, startups, single-member LLCs, and microbusinesses, and its guidance is organized by profession and business type. These labels are marketing categories, not underwriting eligibility rules for each policy. 4Company-reported. Marketing categories and examples on Insureon's US commercial-insurance page; they do not define eligibility for any individual insurance product or insurer.
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. 22,28Company-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.
These entry points show how to start; they do not confirm eligibility or that coverage has been bound. 3 4 22 22 31
Businesses can start Insureon's online application for commercial quote options. Insureon says small businesses can expect direct quotes within minutes, while midsize-business routing depends on profession and may include online quotes or a broker referral; licensed agents can answer questions. These are advertised routes, not a tested or guaranteed quote, bind, or purchase outcome. 4,3,5Company-reported. Publicly described entry points and early quote routing for US commercial customers; no application was submitted and no quote or purchase result was tested.
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. 22,24Company-reported. U.S. business insurance quote application. Company-described online and phone process; no customer form was submitted and no binding outcome was tested.
What to Confirm in Quotes
Ask Insureon which insurer returned each option and whether its agent or broker will service it. Ask THREE for the issuer, forms and fees included in its quote. Ask each provider to identify the proposed insurer, exact forms and endorsements, any intermediary or account service contact, and the steps required to bind. Compare premiums only after matching limits, retentions, exclusions, policy periods, taxes and fees.
Compare Services
What each provider documents about the services you may need
| Criteria | Insureon | THREE by Berkshire Hathaway |
|---|---|---|
| Business role | Insureon describes itself as a digital agency for US small-business insurance and says it works in both agent and broker roles; it distinguishes insurers as the companies that issue policies and pay claims. This company-reported description does not establish Insureon as an insurer or verify its capacity or license for a particular line, risk, or state. 3,4Company-reported. Company description of Insureon's US small-business distribution roles; it does not identify capacity, insurer or licensing for a specific product, risk, or state. | 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. 22,23,24Company-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. 29,28Company-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. |
| Customer focus | Insureon's US commercial-insurance pages describe marketing segments of small businesses with 1–20 employees and midsize businesses with 21–100 employees. Its examples include sole proprietors, independent contractors, freelancers, startups, single-member LLCs, and microbusinesses, and its guidance is organized by profession and business type. These labels are marketing categories, not underwriting eligibility rules for each policy. 4Company-reported. Marketing categories and examples on Insureon's US commercial-insurance page; they do not define eligibility for any individual insurance product or insurer. | 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. 22,28Company-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. |
| Application process | Businesses can start Insureon's online application for commercial quote options. Insureon says small businesses can expect direct quotes within minutes, while midsize-business routing depends on profession and may include online quotes or a broker referral; licensed agents can answer questions. These are advertised routes, not a tested or guaranteed quote, bind, or purchase outcome. 4,3,5Company-reported. Publicly described entry points and early quote routing for US commercial customers; no application was submitted and no quote or purchase result was tested. | 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. 22,24Company-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. 27Company-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. |
Related Reading
Sources
Insureon Official Website
- Terms and Conditions. Insureon; Opening legal identity paragraph (L51); footer identity/office disclosure (L95-98). Accessed 2026-09-28.
- Insurance Licenses by State. Insureon; Page description says Insureon is licensed in 50 states and Washington, D.C.; published state list L50-L103; footer legal entity/DBA L145-L148. Accessed 2026-09-28.
- How Insureon Works. Insureon; Agent/broker and carrier roles (L82-88); application and advertised quote/payment route (L89-97); human support (L98-101). Accessed 2026-09-28.
- Commercial Insurance for Small & Midsize Companies. Insureon; Application and general route (L82-86); small-business and midsize-business marketing segments and routes (L87-96). Accessed 2026-09-28.
- Contact Us and Get Insured Today. Insureon; Phone hours (L54-58); application, appointment and email routes (L62-78). Accessed 2026-09-28.
- Be prepared with a commercial insurance renewal checklist. Insureon; Updated March 5, 2026 (L84); account manager (L94-95); lead time and insurer decision (L116-127). Accessed 2026-09-28.
- About Insureon. Insureon; Who is Insureon (L58-67); online service claims (L75-82); TechInsurance/Insureon naming and history (L96-114); 2022 transaction description (L107). Accessed 2026-09-28.
- Careers at Insureon. Insureon; SPG and HUB logos and divisional statement (L56-65); legal footer (L110-112). Accessed 2026-09-28.
- Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon. Hub International; Published March 1, 2022; agreement and pending separate closings/asset allocation (L12-20); SPG operational plan (L29-30). Accessed 2026-09-28.
- General Liability Insurance - Get Online Quotes. Insureon; Coverage/product overview; illustrative third-party claims; quote CTA. Accessed 2026-09-29.
- Workers’ Comp Insurance: Buy Online & Get Free Quotes. Insureon; Product overview L67-L85; coverage examples L95-L121; quote/application path L343-L365. Accessed 2026-09-29.
- Professional Liability Insurance - Get Online Quotes. Insureon; Product definition L67-L89; quote CTA and target users on page. Accessed 2026-09-29.
- Business Owner’s Policy, BOP Insurance - Get Online Quotes. Insureon; Product definition L67-L89; qualification examples L90-L105; product liability within BOP liability protection L123-L126; optional coverage FAQ lists endorsements/bundled policies L304-L321; quote route on page. Accessed 2026-09-29.
- Cyber Insurance - Get Online Quotes. Insureon; Product definition L67-L89; coverage distinctions L90-L102; quote CTA. Accessed 2026-09-29.
- Commercial Property Insurance - Get Online Quotes. Insureon; Product definition L67-L89; covered property examples; quote CTA. Accessed 2026-09-29.
- Commercial Auto Insurance - Get Fast & Free Quotes. Insureon; Product overview L67-L93; target vehicles and businesses; quote route. Accessed 2026-09-29.
- Commercial Umbrella Insurance - Get Online Quotes. Insureon; Product definition and underlying policies L67-L90; quote CTA. Accessed 2026-09-29.
- Tools & Equipment Insurance for Contractors - Get Online Quotes. Insureon; Product definition and inland-marine label L67-L85; audience L150-L188; quote route and exclusions L244-L278. Accessed 2026-09-29.
- Small Business Bonds and Insurance: What You Need to Know. Insureon; Fidelity bond definition/examples L86-L97; quote CTA; bonds/insurance distinction L65-L67. Accessed 2026-09-29.
- Compensation Disclosure Notice. Insureon; Sections describing commission, contingency income, supplemental commissions, client fees, technology service fees, carrier data services, and other compensation. Accessed 2026-09-28.
- How to File a Business Insurance Claim. Insureon; Sections 'Contact your insurance agent or carrier' and 'What if I bought a policy from Insureon?'; insurer reporting and agent assistance. Accessed 2026-09-28.
THREE by Berkshire Hathaway Official Website
- THREE by Berkshire Hathaway — small business insurance. Berkshire Hathaway Direct Insurance Company, dba THREE; Issuer, business focus, and industry scope, lines 70–81; quote/advisor route, lines 405–420; DBA footer, lines 432–434. Accessed 2026-09-28.
- The Policy. Berkshire Hathaway Direct Insurance Company, dba THREE; Sample declarations, limits and three-day Business Interruption waiting period (lines 58–76); Section I: interruption follows a property loss the insurer pays and ends on resumed normal operations or an applicable limit (lines 82–86); Section III: machinery/equipment/listed vehicles stopping without an accident are excluded (lines 104–112). Accessed 2026-09-29.
- FAQs: Understanding THREE. Berkshire Hathaway Direct Insurance Company, dba THREE; Quote save/resume, lines 73–76; claim/update routes, lines 78–89; product-not-company wording, lines 98–100; one-year policy/payment terms, lines 129–130; servicing requests, lines 141–157. Accessed 2026-09-28.
- Terms & Conditions. Berkshire Hathaway Direct Insurance Company, dba THREE; BHDIC dba THREE, lines 20–23; recurring automatic bank draft qualification, lines 27–33. Accessed 2026-09-28.
- Filing a Claim: Call to get started. Berkshire Hathaway Direct Insurance Company, dba THREE; Online/phone claims and account-manager assignment, lines 24–43; claim updates, lines 59–61. Accessed 2026-09-28.
- Become a THREE Partner. Berkshire Hathaway Direct Insurance Company, dba THREE; Partner-agency program and platform permissions, lines 6–18; state availability, lines 30–35. Accessed 2026-09-28.
- Berkshire Hathaway Inc. 2025 Annual Report / Form 10-K. Berkshire Hathaway Inc.; 2025 annual report, PDF page 5, printed K-4, lines 303–308: BH Direct and GUARD joint SMB focus; BH Direct platforms/admitted products. Accessed 2026-09-28.
- Links to Berkshire Hathaway Subsidiary Companies. Berkshire Hathaway Inc.; Published subsidiary-company list; BHDIC (THREE), BHSI, and biBERK shown separately, lines 11–16. Accessed 2026-09-28.
- THREE online quote application. Berkshire Hathaway Direct Insurance Company, dba THREE; THREE online quote entry point inspected; the page is a route to begin an application. No form was submitted or quote generated; this source alone does not establish customer self-binding. Accessed 2026-09-28.
- Business Owners Policy | THREE. Berkshire Hathaway Direct Insurance Company, dba THREE; Product page explicitly markets Business Liability categories (including liquor liability if required), Property (including equipment breakdown and inland marine), Business Auto (including cargo liability and hired/non-owned), Business Interruption, Cyber and Workers’ Compensation, within one combined policy description (lines 8–9, 19–21, 23–76); BHDIC dba THREE footer (lines 93–94). Accessed 2026-09-29.
- Benefits | THREE. Berkshire Hathaway Direct Insurance Company, dba THREE; Page copy: commercial coverage category descriptions for liability, cyber, property/business interruption, business auto and workers compensation; describes product benefits, not a complete policy form. Accessed 2026-09-29.
- THREE logo SVG. Berkshire Hathaway Direct Insurance Company, dba THREE; Direct official SVG asset; viewBox 0 0 720 253; embedded title “Three by Berkshire Hathaway”; downloaded and preserved byte-for-byte as assets/three-logo.svg. Accessed 2026-09-29.
