Kinro vs THREE by Berkshire Hathaway: How Do They Compare for Cyber Insurance?

Kinro is a broker: it matches a business to a cyber liability carrier rather than underwriting the policy itself, saying the product "can underwrite differently" by operation and that market fit depends on carrier appetite. ⁴Company-reported. Cyber Liability page "Routing" and "Market fit" sections.

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

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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 cyber liability commonly fits professional services, retail, restaurants and SaaS businesses, and typically comes up when a business stores customer, payment, employee or health information, relies on cloud tools or online payments, or a client contract requires cyber limits. ⁴Company-reported. Cyber Liability page "Common fit" and "Triggers" sections.

The reviewed product page does not state separate eligibility rules for Cyber; 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 says cyber liability placements typically address data breach, ransomware, privacy, funds-transfer fraud and incident-response questions, along with exposures tied to vendor, payment, customer-data and employee-data handling. ⁴Company-reported. Cyber Liability page "Coverage" section; actual terms depend on the carrier and policy placed.

THREE's Business Owners Policy page lists Cyber Liability 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. ^7,6Company-reported. Official THREE package marketing for Cyber. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy.

The reviewed page does not publish cyber liability limits, retentions or premiums; it lists current cyber limits and contractual requirements as inputs carriers need to quote, not published amounts. ⁴Not found in reviewed sources. Cyber Liability page "Quote file" section as read on 2026-09-23.

The reviewed public product page does not state a separate limit or deductible for Cyber; 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 quote cyber liability, Kinro collects revenue, record counts, payment handling and data types, plus security controls such as MFA, backups, email protections and vendor access, and often reviews cyber together with E&O, BOP and D&O coverage. ⁴Company-reported. Cyber Liability 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 Cyber will be offered for a particular business or whether a customer can bind that line without an issued policy.