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

Kinro is a broker: it matches a business to an inland marine 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. Tools & Equipment / Inland Marine page "Routing" and "Market fit" sections.

THREE presents Inland Marine 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 this coverage commonly fits contractors, lawn care businesses, plumbers and electricians, and typically comes up when tools move between jobs, equipment is left at jobsites, or the business uses scheduled, rented, leased or high-value equipment. ⁴Company-reported. Tools & Equipment / Inland Marine page "Common fit" and "Triggers" sections.

The reviewed product page does not state separate eligibility rules for Inland Marine; 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 tools and equipment coverage, handled through inland marine, typically means scheduled or blanket coverage for tools, mobile equipment and jobsite property, covering transit, overnight storage, theft and equipment value questions that a standard property policy may not fully handle. ⁴Company-reported. Tools & Equipment / Inland Marine page introduction and "Coverage" section; actual terms depend on the carrier and policy placed.

THREE's Business Owners Policy page lists Inland Marine 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 Inland Marine. 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 limits, deductibles or premiums; it lists tool and equipment values and schedules as inputs carriers need to quote, not published amounts. ⁴Not found in reviewed sources. Tools & Equipment / Inland Marine page "Quote file" section as read on 2026-09-23.

The reviewed public product page does not state a separate limit or deductible for Inland Marine; 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 this coverage, Kinro collects tool and equipment values, schedules and serial numbers, storage locations, and loss history and security controls, and often reviews it together with general liability, commercial auto and BOP coverage. ⁴Company-reported. Tools & Equipment / Inland Marine 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 Inland Marine will be offered for a particular business or whether a customer can bind that line without an issued policy.