Liberty Mutual vs 
THREE by Berkshire Hathaway: How Do They Compare for Equipment Breakdown Insurance?
What Is Liberty Mutual Business Insurance?
Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. 1,2
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. 5,6
Read the THREE by Berkshire Hathaway profile
Read the THREE by Berkshire Hathaway Equipment Breakdown Insurance page
What Is Equipment Breakdown Insurance?
Equipment-breakdown coverage can help repair covered machinery or building equipment after a mechanical or electrical failure. It fits businesses that depend on equipment to operate; check whether lost income, spoilage and utility failures are included. 8,9,10,11
Key Differences in Equipment Breakdown Insurance
Reinsurance details versus a bundled small-business policy
Liberty Mutual’s Equipment Re materials describe commercial reinsurance rather than a business buyer’s policy. THREE lists equipment breakdown within its combined Business Owners Policy and directs small businesses to an online quote. Ask THREE how the equipment item appears in your quote and identify the issuing route for any Liberty Mutual option. 3 7
What the policy materials say about equipment failure
THREE’s sample policy excludes some machinery or equipment that stops without an accident, while its product page lists Equipment Breakdown. Liberty Mutual names electrical, mechanical, and pressure-system failures but says a business policy’s base terms are not established. The exact endorsement controls both comparisons. 3 7
What to Confirm in Equipment Breakdown Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Liberty Mutual
Review Score
2 rated sources
Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.[4][1]
Read Liberty Mutual reviewsTHREE by Berkshire Hathaway
Review Score
2 rated sources
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.[4][3][1][2]
Read THREE by Berkshire Hathaway reviewsOffering Details
Liberty Mutual vs THREE by Berkshire Hathaway: Equipment Breakdown Insurance: documented features by provider
| Criteria | Commercial Equipment Breakdown | THREE Business Owners Policy |
|---|---|---|
| Role in This Line | Liberty Mutual Equipment Re describes commercial equipment-breakdown reinsurance and individualized coverages; this page does not establish the placement route for a particular business. 3,4Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Equipment Breakdown. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. | THREE presents Equipment Breakdown 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. |
| Issuing Insurer | 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. |
| Who It’s For | The page provides a direct Equipment Re team contact; it does not show an online purchase flow. 3,4Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Equipment Breakdown. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. | The reviewed product page does not state separate eligibility rules for Equipment Breakdown; 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. |
| Coverage Features | The page names electrical, mechanical and pressure-system breakdown examples and resulting business-income and extra expenses only when included in the base policy; it does not establish terms for an individual business. 3,4Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Equipment Breakdown. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. | THREE's Business Owners Policy page lists Equipment Breakdown, while its sample policy also excludes some machinery, equipment, or listed vehicles that stop without an accident. The public materials do not establish how an offered equipment-breakdown item changes that sample exclusion. 7,6Company-reported. Company marketing and the displayed sample policy only; the selected quote, state-specific forms, and endorsements determine whether a specific equipment breakdown loss is covered. |
| Limits and Retentions | Confirm in your quote. | The reviewed public product page does not state a separate limit or deductible for Equipment Breakdown; 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. |
| How to Apply | The cited product page does not establish an online application or policy-binding path; ask the listed team or your broker/agent how this product is placed. 3,4Not found in reviewed sources. Reviewed product-page scope only. This not-found disposition is not a claim that no digital route exists. | 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 Equipment Breakdown will be offered for a particular business or whether a customer can bind that line without an issued policy. |
Full Comparison
More Liberty Mutual vs THREE by Berkshire Hathaway Comparisons
Other Equipment Breakdown Insurance Comparisons
Sources
Liberty Mutual
- Company Profile. Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide). Accessed 2026-09-29.
- Commercial Insurance Solutions. Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary. Accessed 2026-09-29.
- Products: Liberty Mutual Equipment Re. Liberty Mutual Business Insurance; ‘Commercial equipment breakdown’ names commercial equipment breakdown and covered electrical/mechanical/pressure-system failure examples; it describes reinsurance and individualized coverage. Do not apply personal service-line products to business buyers. Accessed 2026-09-29.
- Property. Liberty Mutual Business Insurance; Property solutions section describes commercial property, business-interruption protection, Builder's Risk, Equipment Breakdown, Inland Marine and Ocean Marine; named Premier Property Protector, RM Select, and Liberty Mutual Property Protector product descriptions; states standalone and package options. Coverage terms depend on the policy. Accessed 2026-09-29.
THREE by Berkshire Hathaway
- Jargon-free small business insurance - THREE by Berkshire Hathaway. 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.
- The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway. 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.
- Business Owners Policy - THREE by Berkshire Hathaway. 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.
Equipment Breakdown Insurance Guide
- Understanding Commercial Package Policies. Insurance Information Institute; Available CPP additions: Equipment breakdown. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Boiler and Machinery; Commercial Property: Covered Causes of Loss; Commercial Property: Time Element; Inland Marine; Coverage Forms and/or Specialty Coverages. Accessed 2026-09-16.
- Equipment Breakdown. Travelers; Definition and equipment list. Accessed 2026-09-16.
- HSB TechAdvantage Equipment Breakdown Coverage Form. The Hartford Steam Boiler Inspection and Insurance Company; G.1 Accident, PDF p.17; A.2.a–c p.1; C.2 pp.8–9; C pp.8–9; D pp.9–10; E.10 Valuation, PDF pp.13–14; G.10–11 pp.18–19; A.2.n p.5 (Off Premises Equipment Breakdown); A.2.p pp.5–6; A.2.r p.6; G.18 p.20 (Interruption of Service). Accessed 2026-09-16.
