Kinro vs THREE by Berkshire Hathaway: How Do They Compare for D&O Insurance?

Kinro is a broker: it matches a business to a D&O 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. Directors & Officers page "Routing" and "Market fit" sections.

THREE presents Directors and Officers 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 D&O commonly fits startups, funded companies, boards and executive teams, and typically comes up when a business has outside investors, a formal board or debt covenants, or a financing or customer contract requires management liability coverage. ⁴Company-reported. Directors & Officers page "Common fit" and "Triggers" sections.

The reviewed product page does not state separate eligibility rules for Directors and Officers; 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 D&O placements typically address claims involving management decisions, governance, investors or executives, and that a management-liability program may also fold in EPLI (employment practices) or fiduciary coverage. ⁴Company-reported. Directors & Officers page "Coverage" section; actual terms depend on the carrier and policy placed.

THREE's Business Owners Policy page lists Directors & Officers 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 Directors and Officers. 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 D&O limits, retentions or premiums; carriers use inputs such as funding stage, cap table and debt to quote, and amounts are not published. ⁴Not found in reviewed sources. Directors & Officers page "Quote file" section as read on 2026-09-23.

The reviewed public product page does not state a separate limit or deductible for Directors and Officers; 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 D&O, Kinro collects ownership, funding stage, board structure, revenue and headcount, prior claims and investor or lender requirements, and often reviews D&O together with EPLI, cyber and E&O coverage. ⁴Company-reported. Directors & Officers 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 Directors and Officers will be offered for a particular business or whether a customer can bind that line without an issued policy.