Kinro vs THREE by Berkshire Hathaway

Kinro helps arrange coverage as a broker; its website names Kinro Insurance Services LLC and NPN 22233799, while the insurer on your policy takes the risk. ^5,10Company-reported. Website identification and brokerage positioning only; LLC existence, NPN assignment, state licenses and insurer authority were not independently established.

Kinro’s September 27, 2026 terms define Kinro as Kinro, Inc. and its subsidiaries, including Kinro Insurance Services LLC, and say insurance is offered through that agency only where licensed. A separate written software agreement controls where it differs from these terms; confirm the contracting entity on your insurance engagement. ^6,5Company-reported. Company-published terms effective September 27, 2026 state the parent/subsidiary relationship and insurance-service scope. No placement-specific authority or contracting agreement was independently verified.

Independent agencies can use Kinro’s market access and technology while retaining their customer relationship under contract; clarify who advises, binds, bills, services and handles renewals. ^8,9Company-reported. B2B partner pathways; not a finding that all retail Kinro buyers work through a subproducer, or that Kinro has wholesale or MGA authority in a particular jurisdiction.

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.

Kinro helps U.S. small businesses identify insurance needs and compare available options through an agency. You can start with business questions online or ask for help by phone, text, email, or chat. ^1,19Company-reported. Current retail offering at kinro.com; documented function, not independently tested placement or service outcomes.

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.

You can begin Kinro’s public four-step quote intake without a login by selecting your business activity; later steps, pricing and binding were not inspected. ²Company-reported. Observed initial unauthenticated interface in Chrome; no answers, personal information, uploads, account creation or submissions. Later access requirements unknown.

Kinro says AI gathers business details and presents available quote options with licensed-agent help; its roughly two-minute follow-up is a company response-time claim, not a quote or binding deadline. ¹Company-reported. Homepage FAQ and response claim; no interactions submitted or timing study performed.

You can ask Kinro for a free review by uploading up to three policy or renewal files; its promise to find better pricing with equal or more coverage is company-reported, and no replacement quote was tested. ⁴Company-reported. Public upload entry screen only; no documents uploaded and no service or outcome verification.

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.