---
title: "Kinro vs THREE by Berkshire Hathaway: Business Owner’s Policy"
description: "Kinro names property and general liability for storefront businesses and collects location and asset details, while THREE starts with an online quote."
canonical: "https://spot.insure/compare/kinro-vs-three/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "kinro-vs-three"
provider-a: "kinro"
provider-b: "three"
coverage-line: "business-owners-policy"
---

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[Human-readable page](https://spot.insure/compare/kinro-vs-three/business-owners-policy)

## Agent Guide

**What this page is:** Focused comparison of Kinro and THREE by Berkshire Hathaway for Business Owner’s Policy: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Business Owner’s Policy questions about Kinro versus THREE by Berkshire Hathaway. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Kinro vs THREE by Berkshire Hathaway for Business Owner’s Policy: how do they differ?
- Which is better for Business Owner’s Policy, Kinro or THREE by Berkshire Hathaway?
- What does Kinro or THREE by Berkshire Hathaway publish about Business Owner’s Policy (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Business Owner’s Policy from Kinro or THREE by Berkshire Hathaway?

**Key facts:**
- Line: Business Owner’s Policy. Providers: Kinro and THREE by Berkshire Hathaway.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Kinro vs THREE by Berkshire Hathaway](https://spot.insure/compare/kinro-vs-three) — parent: all coverage lines for this pair
- [Business Owner’s Policy guide](https://spot.insure/coverage/business-owners-policy) — coverage explainer for this line
- [Kinro profile](https://spot.insure/insurance-providers/kinro) — provider profile (evidence)
- [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence)
- [Kinro vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/kinro-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Kinro vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/kinro-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Kinro vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/kinro-vs-three/general-liability) — sibling comparison (other line, or other pair for this line)
- [Kinro vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/kinro-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Kinro vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/kinro-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Kinro vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/kinro-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Kinro Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-kinro/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Kinro Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-kinro/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Chubb vs Kinro Business Owner’s Policy](https://spot.insure/compare/chubb-vs-kinro/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Chubb vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/chubb-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line)

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

Kinro names property and general liability for storefront businesses and collects location and asset details, while THREE starts with an online quote.

## Research Scope and Use

Use this comparison to evaluate Kinro and THREE by Berkshire Hathaway for Business Owner’s Policy against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Kinro describes a brokered BOP for businesses such as restaurants, salons, and retail stores, and lists the property and operating details it collects. THREE markets a combined BOP with online quote and advisor assistance. [4](https://kinro.com/products/business-owners-policy "Business Owner's Policy") [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

## What Is Kinro Insurance?

Kinro fits U.S. small businesses that want a free review of an existing policy or renewal packet and agent help comparing quotes online. Its pages don't name the insurer behind a given quote, so ask which markets Kinro approached before you switch. [1](https://kinro.com/ "Kinro Business Insurance") [2](https://kinro.com/policy-review "Free Review Of Your Insurance Policy") [3](https://kinro.com/partners/carriers "For Carriers And MGAs")

[Kinro profile](https://spot.insure/insurance-providers/kinro)

## THREE small business insurance: coverage, issuer and buying routes

THREE markets a packaged commercial insurance product through a direct quote route and partner agents. Berkshire Hathaway Direct Insurance Company is named as issuer on THREE’s sample policy. [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

[THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three)

## What Is a Business Owner’s Policy?

A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. [8](https://content.naic.org/consumer/small-business.htm "Small Business") [9](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy "Business Interruption and Business Owner Policy")

## Key Differences in Business Owner’s Policy

### Storefront fit and insured property

Kinro says its BOP commonly fits restaurants, retail stores, salons, and offices, especially where a landlord requires liability or property insurance. It describes general liability paired with property such as inventory, furniture, equipment, and tenant improvements. THREE also markets a combined BOP, but its public description does not specify those property categories or a storefront focus. If you lease customer-facing space, ask both providers to show whether tenant improvements and stock are covered and under what limits. [4](https://kinro.com/products/business-owners-policy "Business Owner's Policy") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Information gathered to place coverage

Kinro lists location address, square footage, construction and occupancy, property and inventory values, revenue, and business activity as quote inputs; it often reviews the BOP alongside workers’ compensation, cyber, and hired/non-owned auto. THREE offers an online quote and licensed advisor help, but its reviewed record does not list comparable BOP submission details or adjacent lines. A buyer can prepare Kinro’s listed figures in advance and ask THREE which information its quote requires. [4](https://kinro.com/products/business-owners-policy "Business Owner's Policy") [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

## What to Confirm in Business Owner’s Policy Quotes

- Ask Kinro which carrier appetite applies to your occupancy and how tenant improvements are valued. [4](https://kinro.com/products/business-owners-policy "Business Owner's Policy")
- Ask THREE to list property categories, limits, and information needed for the quote. [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")
- Compare whether workers’ compensation, cyber, or hired/non-owned auto would be separate from either BOP. [4](https://kinro.com/products/business-owners-policy "Business Owner's Policy") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

## Offering Details

| Criteria | Kinro Business Owner's Policy (BOP) | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | 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. [4](https://kinro.com/products/business-owners-policy "Business Owner's Policy") (Evidence: Company-reported; scope: 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. [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Company-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant..) |
| Issuing Insurer | Confirm in your quote. | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: 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..) |
| Who It’s For | 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. [4](https://kinro.com/products/business-owners-policy "Business Owner's Policy") (Evidence: Company-reported; scope: 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms..) |
| Coverage Features | 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. [4](https://kinro.com/products/business-owners-policy "Business Owner's Policy") (Evidence: Company-reported; scope: 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: 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..) |
| Limits and Retentions | 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. [4](https://kinro.com/products/business-owners-policy "Business Owner's Policy") (Evidence: Not found in reviewed sources; scope: 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible..) |
| How to Apply | 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. [4](https://kinro.com/products/business-owners-policy "Business Owner's Policy") (Evidence: Company-reported; scope: 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. [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: 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..) |

## Full Comparison

- [Kinro vs THREE by Berkshire Hathaway](https://spot.insure/compare/kinro-vs-three): all coverage lines, business roles, service and claims.
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy): A business owners policy combines property, liability and lost-income protection for eligible small businesses, while auto, workers’ compensation and professional liability may need separate coverage.
- [Kinro vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/kinro-vs-three/commercial-auto)
- [Kinro vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/kinro-vs-three/commercial-property)
- [Kinro vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/kinro-vs-three/general-liability)
- [Kinro vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/kinro-vs-three/inland-marine)
- [Kinro vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/kinro-vs-three/professional-errors-omissions)
- [Kinro vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/kinro-vs-three/workers-compensation)
- [Alliance Risk vs Kinro Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-kinro/business-owners-policy)
- [Alliance Risk vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-three/business-owners-policy)
- [Amelia Risk vs Kinro Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-kinro/business-owners-policy)
- [Amelia Risk vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-three/business-owners-policy)
- [Chubb vs Kinro Business Owner’s Policy](https://spot.insure/compare/chubb-vs-kinro/business-owners-policy)
- [Chubb vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/chubb-vs-three/business-owners-policy)

## Sources

### Kinro

1. [Kinro Business Insurance](https://kinro.com/). Kinro; Hero; Clear guidance before you buy; industry groups; carrier-logo strip; Insurance expertise; FAQs on follow-up, purchase obligation and AI; footer. Accessed 2026-09-15.
2. [Free Review Of Your Insurance Policy](https://kinro.com/policy-review). Kinro; Introductory price/coverage claim and step 1 of 2 upload panel; accepted documents and file limits. Accessed 2026-09-15.
3. [For Carriers And MGAs](https://kinro.com/partners/carriers). Kinro; Product access; API integration; approvals paragraph after Dormant lead recovery. Accessed 2026-09-15.
4. [Business Owner's Policy](https://kinro.com/products/business-owners-policy). Kinro; Common fit; Product file; Coverage — What it usually handles; Triggers — When it comes up; Quote file — Inputs carriers usually need; Routing — Match the product to the operation; Market fit. Accessed 2026-09-23.

### THREE by Berkshire Hathaway

5. [Jargon-free small business insurance - THREE by Berkshire Hathaway](https://threeinsurance.com/). Berkshire Hathaway Direct Insurance Company, dba THREE; Lines 23, 39, 70–81 and 406–410: business location quote entry, single-policy description, issuer, business focus, online quote and licensed Small Business Advisor route. Quote entry inspected without submitting a form.. Accessed 2026-09-30.
6. [The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway](https://threeinsurance.com/the-policy). Berkshire Hathaway Direct Insurance Company, dba THREE; State-selectable sample policy: Summary (Declarations) identifies Berkshire Hathaway Direct Insurance Company as issuer and says the insurance summary lists limits and deductibles; sample policy text and state selection do not establish terms for a particular quote or issued policy.. Accessed 2026-09-30.
7. [Business Owners Policy - THREE by Berkshire Hathaway](https://threeinsurance.com/business-owners-policy). Berkshire Hathaway Direct Insurance Company, dba THREE; Product page: “No need for multiple policies” and one comprehensive policy; Business Liability, Property and Business Auto categories and the listed line names. Product page footer identifies Berkshire Hathaway Direct Insurance Company, dba THREE.. Accessed 2026-09-30.

### Business Owner’s Policy Guide

8. [Small Business](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; FAQ: What’s a business owners policy?; What’s general liability insurance. Accessed 2026-09-16.
9. [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy). National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Kinro Reviews

Review Score: not enough ratings.

We found no independent customer reviews of Kinro. It shows a 5.0 Google rating on its own website, but there is no review count or listing behind it.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/kinro/reviews).

## THREE by Berkshire Hathaway Reviews

Review Score: 7.3 / 10 from 2 rated sources, equally weighted.

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.

- NerdWallet: NerdWallet editorial rating 4.0 (5 stars). NerdWallet editorial evaluation of THREE commercial insurance; updated May 11, 2026. Its methodology score is an editorial rating, not an average of consumer reviews or a claims study. Period: Updated 2026-05-11. Checked 2026-09-29. [Three Insurance review | NerdWallet](https://www.nerdwallet.com/business/insurance/learn/three-insurance)
- Trustpilot: TrustScore 2.5 (5 stars); 5 reviews. Trustpilot page for threeinsurance.com checked 2026-09-29. Five user-posted reviews, one in prior 12 months; small self-selected population, review provenance not independently verified. Period: Displayed 2026-09-29. Checked 2026-09-29. [THREE Reviews | Trustpilot](https://uk.trustpilot.com/review/threeinsurance.com)
- BBB: BBB customer review average 4.8 (5 stars); 265 reviews. BBB profile for THREE by Berkshire Hathaway, customer-review and complaints pages directly rechecked 2026-09-29. The customer-review population includes sales-agent/intermediary interactions and customer purchase/service reports; it is not a verified uniform policyholder or claims-outcome cohort. Average and complaints are distinct populations. BBB says third-party information may not be verified and complaint text may be incomplete. Period: Displayed 2026-09-29. Checked 2026-09-29. [THREE by Berkshire Hathaway customer reviews | BBB](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/customer-reviews?page=1); [THREE by Berkshire Hathaway complaints | BBB](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/three/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/kinro-vs-three/business-owners-policy.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)