Kinro vs THREE by Berkshire Hathaway: How Do They Compare for Business Owner’s Policy?

Kinro is a broker: it matches a business to carriers offering a BOP rather than underwriting the policy itself, saying the same product "can underwrite differently" depending on the operation and that market fit depends on carrier appetite. ⁴Company-reported. Business Owner's Policy page "Routing" and "Market fit" sections.

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.

Confirm in your quote.

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.

Kinro says its BOP commonly fits restaurants, retail stores, salons and offices, and typically comes up when a business leases a storefront, salon, office or restaurant space and its landlord requires liability or property coverage. ⁴Company-reported. Business Owner's Policy page "Common fit" and "Triggers" sections.

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.

Kinro describes its BOP as packaging general liability with business property coverage (inventory, furniture, equipment and tenant improvements) into one policy for eligible small businesses. ⁴Company-reported. Business Owner's Policy page introduction and "Coverage" section; actual terms depend on the carrier and policy placed.

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.

The reviewed page does not publish BOP limits, deductibles or premiums; it lists desired liability limits and property values as inputs carriers need to quote, not published amounts. ⁴Not found in reviewed sources. Business Owner's Policy page "Quote file" section as read on 2026-09-23.

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.

To start a BOP quote, Kinro collects the location address, square footage, construction and occupancy, property and inventory values, and revenue and business activity, and often reviews the BOP together with workers' compensation, cyber and hired/non-owned auto coverage. ⁴Company-reported. Business Owner's Policy page "Quote file" and "Reviewed with" sections.

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.