Introduction
Coverage Comparison
| Coverage | Marsh | THREE by Berkshire Hathaway |
|---|---|---|
| Builders risk | Listed 26Marsh McLennan Agency (MMA), a Marsh business, arranges builders risk insurance. | Not listed |
| Business owner’s policy | Not listed | Listed 42,34Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Commercial auto | Not listed | Listed 42,34Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Commercial property | Listed 26,4,5Marsh arranges property insurance for digital infrastructure, and Marsh McLennan Agency (MMA), a Marsh business, arranges commercial property insurance. | Listed 42,34Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Crime | Listed 25Marsh McLennan Agency (MMA), a Marsh business, arranges commercial crime insurance. | Not listed |
| Cyber liability | Listed 8,24Marsh arranges cyber insurance. | Listed 42,34Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Directors and officers | Listed 11,25Marsh arranges directors and officers liability insurance. | Listed 42Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Employee health and benefits | Listed 29,22,18Marsh McLennan Agency (MMA), a Marsh business, arranges employee health and benefits programs. | Not listed |
| Employment practices liability | Listed 12,25Marsh arranges employment practices liability insurance. | Listed 42Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Equipment breakdown | Listed 4Marsh arranges equipment breakdown insurance, including for data centers. | Listed 42,34THREE lists equipment breakdown within the package; its displayed sample excludes machinery, equipment or listed vehicles that stop without an accident. Check the quoted form for the actual protection. |
| Fidelity bonds | Listed 25Marsh McLennan Agency (MMA), a Marsh business, arranges commercial crime and fidelity coverage. | Not listed |
| Fiduciary liability | Listed 25Marsh McLennan Agency (MMA), a Marsh business, arranges fiduciary liability insurance. | Listed 42Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| General liability | Listed 4Marsh arranges general liability insurance, including for data centers. | Listed 42,34Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Intellectual property | Listed 25Marsh McLennan Agency (MMA), a Marsh business, arranges intellectual property insurance. | Not listed |
| Kidnap and ransom | Listed 25Marsh McLennan Agency (MMA), a Marsh business, arranges kidnap and ransom insurance. | Not listed |
| Liquor liability | Not listed | Listed 42Marketed within THREE’s combined commercial policy if required; the quote and issued form determine availability and protection. |
| Management liability | Listed 25,14Marsh arranges management liability insurance. | Not listed |
| Media liability | Listed 25Marsh McLennan Agency (MMA), a Marsh business, arranges media liability insurance. | Not listed |
| Professional errors and omissions (E&O) | Listed 13,25Marsh arranges professional errors and omissions insurance. | Listed 42Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Surety bonds | Listed 4,28Marsh McLennan Agency (MMA), a Marsh business, arranges contract and commercial surety bonds. | Not listed |
| Technology errors and omissions (E&O) | Listed 4,13Marsh arranges technology errors and omissions insurance. | Not listed |
| Tools, equipment and inland marine | Not listed | Listed 42Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Workers’ compensation | Listed 27Marsh McLennan Agency (MMA), a Marsh business, arranges workers’ compensation insurance. | Listed 42,34Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.
Current Spot Scores
Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.
Marsh
BrokerBroker
5.6/ 10Assessed provider: Marsh. Scope: US Marsh brokerage legal entities evidenced in the current Marsh client compensation guide, together with the Marsh Risk business and its International Placement and Bermuda arm as Marsh presents them in its own facility announcements for US-based buyers. Marsh USA LLC's separate Amazon affinity-programme role and its dated producer disclosure are scoped only to that programme. Producer authority is independently verified for Marsh USA LLC in Georgia, Texas, Pennsylvania, Colorado, Nevada, Indiana and Minnesota only; every other jurisdiction remains company-reported. The assessed activity is insurance brokerage, client advisory, claims advocacy and the facility-level carrier and capacity arrangements Marsh publishes for US placements; Marsh McLennan Agency, Victor, insurers, reinsurers and non-US affiliates are excluded from scored scope, and the issuing insurer for an individual buyer's placement is not assessed.
THREE by Berkshire Hathaway
CarrierCarrier & MGA
No Spot Score
Assessed entity: Berkshire Hathaway Direct Insurance Company. Scope: Berkshire Hathaway Direct Insurance Company (BHDIC), the insurer named on the displayed THREE sample policy. THREE is the commercial product/DBA label. This assessment uses BHDIC-specific evidence only; information about parent companies, affiliates, brokers and other Berkshire insurers is not transferred to BHDIC.
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.
Marsh
Review Score
2 rated sources
Marsh’s global Trustpilot profile has a poor 1.3/5 score. Treat it as a service warning to investigate with your proposed team; it does not isolate US commercial accounts.[2][4][7]
Read Marsh 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 reviewsKey Differences Between Marsh and THREE
Business Roles and Access to Insurers
Marsh’s documented role shapes who handles underwriting and how you reach a policy.
Marsh’s US compensation guide states that, as an insurance broker, Marsh’s role is to facilitate placement of insurance coverage on behalf of clients. The transparency page describes determining appropriate insurers and negotiating with those insurers. Marsh is not identified in these sources as the insurer that issues or pays the policy. 18,17,2Company-reported. US client-compensation and transparency disclosures. Affinity/Amazon administrator language is a separate program role and is not treated as the default retail relationship.
THREE documents its own insurance role and access arrangement.
THREE is the commercial brand and product form used by Berkshire Hathaway Direct Insurance Company (BHDIC), which identifies itself as doing business as THREE and names itself as issuer on the sample THREE policy. THREE’s FAQ describes THREE or THREE Insurance as the product name, not a separate insurer. The state-specific issued policy controls. 33,34,35Company-reported. U.S. THREE commercial-insurance brand and sample policy; current company identity pages checked 2026-09-28. Company-reported legal disclosure; the state-specific issued policy controls the buyer’s contract.
Customer Fit and Application
Compare each provider’s stated customer focus against your business activities and stage; a published target market is not a guarantee of eligibility.
Marsh describes itself as a global insurance broker and risk advisor. Its homepage says it advises clients in 130 countries across industries that include technology. US broking is organized in segments: Risk Management (including large, complex programs), Corporate (midsize domestic firms), Marsh McLennan Agency (middle-market companies in the United States and Canada), and Affinity programs. The Technology Practice is the industry team that markets data-center, fintech and digital-infrastructure work. Public pages do not publish a minimum premium, employee count or California-startup eligibility rule. 1,3,18,20Company-reported. Company-reported segmentation and industry marketing. Fortune 500 and revenue statistics on Marsh sites are not used here as independently verified. A middle-market MMA path is not proof that every early-stage Bay Area company will be accepted.
THREE describes its focus as businesses and presents industries it serves. Berkshire Hathaway’s 2025 annual report says BH Direct and GUARD together primarily offer commercial insurance to small and medium-sized businesses; it separately says BH Direct underwrites through the biBERK.com and Threeinsurance.com distribution platforms. Eligibility varies by state and business. 33,39Company-reported. THREE’s company-described business focus and industry examples, plus the 2025 report’s joint BH Direct-and-GUARD SMB statement. The report does not attribute that customer-size focus to BHDIC alone; actual eligibility varies by state and business.
These entry points show how to start; they do not confirm eligibility or that coverage has been bound. 18 15 8 33 33 42
The public Marsh path to speak with a broker is an inquiry, not an online bind. Contact pages ask you to choose an inquiry type, including a sales or RFP route. The business-inquiry page says to complete a form and that a representative will respond within 48 hours; it points existing-policy certificate, billing and policy questions elsewhere. The inquiry page does not display premiums or bind coverage. The 48-hour response time is a company statement, not a binding or service guarantee. 15,16,21Company-reported. Inspected public contact-select and business-form pages on 16 September 2026 without submitting information. MMA has a separate contact page. Inquiry is not a completed insurance application.
THREE directs prospective customers to an online quote flow and says licensed Small Business Advisors can help them start or continue the process; the company’s FAQ also describes a phone quote and says an unfinished quote can be saved and resumed. This documents quote routes, not online purchase or binding by an individual customer. 33,35Company-reported. U.S. business insurance quote application. Company-described online and phone process; no customer form was submitted and no binding outcome was tested.
What to Confirm in Quotes
Ask Marsh which cyber forms and analytics are part of the proposed service. Ask THREE for the policy wording, insurer and cyber conditions rather than relying on a coverage label. Ask each provider to identify the proposed insurer, exact forms and endorsements, any intermediary or account service contact, and the steps required to bind. Compare premiums only after matching limits, retentions, exclusions, policy periods, taxes and fees.
Compare Services
What each provider documents about the services you may need
| Criteria | Marsh | THREE by Berkshire Hathaway |
|---|---|---|
| Business role | Marsh’s US compensation guide states that, as an insurance broker, Marsh’s role is to facilitate placement of insurance coverage on behalf of clients. The transparency page describes determining appropriate insurers and negotiating with those insurers. Marsh is not identified in these sources as the insurer that issues or pays the policy. 18,17,2Company-reported. US client-compensation and transparency disclosures. Affinity/Amazon administrator language is a separate program role and is not treated as the default retail relationship. Current Marsh materials use more than one US legal name. The compensation guide (copyright 2024, Marsh LLC) refers to Marsh LLC and Marsh USA LLC entering client agreements. The transparency page instead names Marsh LLC and Marsh USA Inc. Marsh McLennan Agency is described as a wholly owned Marsh subsidiary. A 2006 California decision caption used MARSH USA, INC., dba MARSH RISK AND INSURANCE SERVICES, license 0437153. Confirm the exact contracting producer on the proposal and license documents; current California license status remains unverified. 18,17,19,20,1,31Conflicting sources. Unresolved Inc. versus LLC naming. Affinity’s Marsh USA LLC license table is company-reported as of 8 March 2024 and is not a CDI live lookup. Brand unification in January 2026 is described as a brand change, not a change in business structure. | THREE is the commercial brand and product form used by Berkshire Hathaway Direct Insurance Company (BHDIC), which identifies itself as doing business as THREE and names itself as issuer on the sample THREE policy. THREE’s FAQ describes THREE or THREE Insurance as the product name, not a separate insurer. The state-specific issued policy controls. 33,34,35Company-reported. U.S. THREE commercial-insurance brand and sample policy; current company identity pages checked 2026-09-28. Company-reported legal disclosure; the state-specific issued policy controls the buyer’s contract. Berkshire Hathaway’s published company list identifies Berkshire Hathaway Direct Insurance Company (THREE) and lists Berkshire Hathaway Specialty Insurance (BHSI) and biBERK separately. Its 2025 annual report says BH Direct and GUARD together primarily offer commercial products to small and medium-sized businesses; it separately describes BH Direct’s admitted commercial underwriting and use of the biBERK.com and Threeinsurance.com distribution platforms. The reviewed list and report do not establish the exact direct-versus-indirect ownership chain. 40,39Company-reported. Berkshire Hathaway company list checked 2026-09-28 and 2025 annual-report discussion of BH Direct and GUARD; group relationship and commercial operating scope only, not a precise ownership-chain finding. |
| Customer focus | Marsh describes itself as a global insurance broker and risk advisor. Its homepage says it advises clients in 130 countries across industries that include technology. US broking is organized in segments: Risk Management (including large, complex programs), Corporate (midsize domestic firms), Marsh McLennan Agency (middle-market companies in the United States and Canada), and Affinity programs. The Technology Practice is the industry team that markets data-center, fintech and digital-infrastructure work. Public pages do not publish a minimum premium, employee count or California-startup eligibility rule. 1,3,18,20Company-reported. Company-reported segmentation and industry marketing. Fortune 500 and revenue statistics on Marsh sites are not used here as independently verified. A middle-market MMA path is not proof that every early-stage Bay Area company will be accepted. | THREE describes its focus as businesses and presents industries it serves. Berkshire Hathaway’s 2025 annual report says BH Direct and GUARD together primarily offer commercial insurance to small and medium-sized businesses; it separately says BH Direct underwrites through the biBERK.com and Threeinsurance.com distribution platforms. Eligibility varies by state and business. 33,39Company-reported. THREE’s company-described business focus and industry examples, plus the 2025 report’s joint BH Direct-and-GUARD SMB statement. The report does not attribute that customer-size focus to BHDIC alone; actual eligibility varies by state and business. |
| Application process | The public Marsh path to speak with a broker is an inquiry, not an online bind. Contact pages ask you to choose an inquiry type, including a sales or RFP route. The business-inquiry page says to complete a form and that a representative will respond within 48 hours; it points existing-policy certificate, billing and policy questions elsewhere. The inquiry page does not display premiums or bind coverage. The 48-hour response time is a company statement, not a binding or service guarantee. 15,16,21Company-reported. Inspected public contact-select and business-form pages on 16 September 2026 without submitting information. MMA has a separate contact page. Inquiry is not a completed insurance application. Marsh describes a broker-led placement: identifying insurers for the risk, negotiating coverage and price, and, in core US broking segments, disclosing quotes and premium indications received. It may share incumbent or competing insurer names, pricing objectives, expiring terms, or give an insurer a last look when it believes that is in the client’s interest or the client instructs it. Those market practices are disclosure statements, not a guaranteed outcome or turnaround. 18,17Company-reported. Compensation guide transparency pledges and market-activity list. Not observed live placements. | THREE directs prospective customers to an online quote flow and says licensed Small Business Advisors can help them start or continue the process; the company’s FAQ also describes a phone quote and says an unfinished quote can be saved and resumed. This documents quote routes, not online purchase or binding by an individual customer. 33,35Company-reported. U.S. business insurance quote application. Company-described online and phone process; no customer form was submitted and no binding outcome was tested. THREE describes a partner-agency channel. Its partner page says the Agency Service Team assists policyholders and agents and that agency partners can use the THREE platform to quote, bind, and issue policies online. This describes the partner channel, not the direct public quote flow. 38Company-reported. THREE partner agency program and platform capabilities as described by the company; these capabilities apply to partner agencies and do not establish direct-customer self-binding. |
Related Reading
Sources
Marsh Official Website
- Marsh | Leader in risk, strategy, people, and investments. Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
- Marsh Risk | Global Leader in Insurance Broking and Risk Management. Marsh; Opening advice, analytics and insurance positioning; Our services: consulting, brokerage and claims advocacy; Talk to us sales/RFP inquiry. Accessed 2026-09-16.
- Technology | Insurance Broking & Risk Management. Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
- Data center insurance and risk management. Marsh; Managing data center risk; Closing the gaps in conventional coverage (property, casualty, technology E&O); Derisking power purchase agreement and interconnection obligations; FAQs: What does data center insurance typically cover? (property damage, equipment breakdown, business interruption, cyber, general liability). Accessed 2026-09-16.
- Stratus. Marsh; Operational property insurance exchange for digital infrastructure; up to $10 billion single-placement capacity; prior-submit exchange; Nimbus construction-phase counterpart; launch focused on property. Accessed 2026-09-16.
- Fintech Industry Insurance. Marsh; Practice positioning for fintech insurance advice; UK-centric client examples; contact CTA. Accessed 2026-09-16.
- Cyber Risk. Marsh; Practice overview; expertise links including Cyber Insurance and Claims and Incident Management; ransomware FAQ. Accessed 2026-09-16.
- Cyber Insurance. Marsh; Opening brokerage positioning; products list including Cyber Pathway, Cyber Accelerate, Claims Advocacy, CyberPort. Accessed 2026-09-16.
- Claims Advocacy. Marsh; Cyber claims specialists advocating with insurers; review claims, litigation management, proof of loss with forensic accountants. Accessed 2026-09-16.
- Claims Management. Marsh; Claims management as advisor between business, insurer and TPA; listed claim types including property, cyber, worker injury, directors liability. Accessed 2026-09-16.
- Directors and Officers Liability (D&O). Marsh; Opening D&O placement for public, private and non-profit companies; US D&O Product Leader listed. Accessed 2026-09-16.
- Employment Practices Liability. Marsh; What we offer: EPLI placement; Global Leaders Endorsement (>4,000 employees) and Leaders Preferred Endorsement (250–4,000 employees). Accessed 2026-09-16.
- Professional liability. Marsh; What We Offer: design risk-transfer solutions; specialist industries including technology. Accessed 2026-09-16.
- Financial & Professional Liability. Marsh; Practice introduction for executive insurance advisory; FAQ distinguishing management liability, D&O and EPL. Accessed 2026-09-16.
- Contact us inquiries. Marsh; Please select your type of inquiry; sales/RFP card; page metadata legal name Marsh LLC; link to the business inquiry form. Accessed 2026-09-16.
- Business inquiries. Marsh; Please complete this form and a Marsh representative will respond within 48 hours; sales/RFP inquiry; separate path for certificates, policies and billing. Accessed 2026-09-16.
- Leading the Way in Transparency. Marsh; Placement process; Marsh LLC and Marsh USA Inc. client agreements; Compensation Guide for US Clients; MarketConnect/Market Match insurer consulting; equity-interest disclosure. Accessed 2026-09-16.
- Compensation guide for US clients. Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
- Licensing. Marsh Affinity; Marsh USA LLC producer license table as of 03/08/2024, including CA 437153. Accessed 2026-09-16.
- Marsh McLennan Agency (MMA). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
- Marsh McLennan Agency | USA Insurance Leaders. Marsh McLennan Agency; Specialists in insurance, employee benefits and retirement; Contact Us. Accessed 2026-09-16.
- Who We Are | MMA. Marsh McLennan Agency; Business of Marsh (NYSE: MRSH); business insurance, employee health & benefits, retirement & wealth, and private client solutions across the US and Canada. Accessed 2026-09-16.
- Business Insurance. Marsh McLennan Agency; Client-focused solutions including casualty, cyber, executive & professional liability, property, surety, small business, international; works with a wide variety of carriers. Accessed 2026-09-16.
- Cyber Insurance | MMA. Marsh McLennan Agency; Placement plus claims advocacy as carrier liaison; listed solution areas including cybercrime, ransomware, media liability, privacy regulatory defense. Accessed 2026-09-16.
- Expert Executive and Professional Liability Insurance | MMA. Marsh McLennan Agency; Executive and Professional Liability introduction; Our policies include (D&O, E&O, EPL, commercial crime/fidelity, cyber, fiduciary, media, IP, kidnap and ransom); D&O, Employment Practices Liability and cyber subsections. Accessed 2026-09-16.
- Property Insurance | MMA. Marsh McLennan Agency; Property Insurance introduction; Commercial Property; flood, windstorm, wildfire and earthquake options; Builders’ Risk; claims advocacy; captives and parametric options; Program design expertise. Accessed 2026-09-16.
- Comprehensive Casualty Cover | MMA. Marsh McLennan Agency; Casualty program introduction; Claims Management; Casualty Coverage: Workers’ Compensation; specialist contact. Accessed 2026-09-16.
- Surety Bonds to Mitigate Company Risk | MMA. Marsh McLennan Agency; Opening: we provide surety bonds; national market representation. Accessed 2026-09-16.
- Employee Health & Benefits Group Insurance | MMA. Marsh McLennan Agency; Opening employee-benefits broker positioning; Our Solutions: benefits consulting and implementation; FAQ on negotiating with carriers and selecting and implementing plans. Accessed 2026-09-16.
- Complete 2026 Agency Compensation Guide | MMA. Marsh McLennan Agency; Landing page for the 2026 MMA Compensation Guide download; premium-finance disclosure. Accessed 2026-09-16.
- MARSH USA INC. California Department of Insurance; 9 March 2006 precedential decision caption: MARSH USA, INC., dba MARSH RISK AND INSURANCE SERVICES (license #0437153). Accessed 2026-09-16.
- License Number Search. California Department of Insurance; Public license number search; no license-detail record returned for 437153. Accessed 2026-09-16.
THREE by Berkshire Hathaway Official Website
- THREE by Berkshire Hathaway — small business insurance. Berkshire Hathaway Direct Insurance Company, dba THREE; Issuer, business focus, and industry scope, lines 70–81; quote/advisor route, lines 405–420; DBA footer, lines 432–434. Accessed 2026-09-28.
- The Policy. Berkshire Hathaway Direct Insurance Company, dba THREE; Sample declarations, limits and three-day Business Interruption waiting period (lines 58–76); Section I: interruption follows a property loss the insurer pays and ends on resumed normal operations or an applicable limit (lines 82–86); Section III: machinery/equipment/listed vehicles stopping without an accident are excluded (lines 104–112). Accessed 2026-09-29.
- FAQs: Understanding THREE. Berkshire Hathaway Direct Insurance Company, dba THREE; Quote save/resume, lines 73–76; claim/update routes, lines 78–89; product-not-company wording, lines 98–100; one-year policy/payment terms, lines 129–130; servicing requests, lines 141–157. Accessed 2026-09-28.
- Terms & Conditions. Berkshire Hathaway Direct Insurance Company, dba THREE; BHDIC dba THREE, lines 20–23; recurring automatic bank draft qualification, lines 27–33. Accessed 2026-09-28.
- Filing a Claim: Call to get started. Berkshire Hathaway Direct Insurance Company, dba THREE; Online/phone claims and account-manager assignment, lines 24–43; claim updates, lines 59–61. Accessed 2026-09-28.
- Become a THREE Partner. Berkshire Hathaway Direct Insurance Company, dba THREE; Partner-agency program and platform permissions, lines 6–18; state availability, lines 30–35. Accessed 2026-09-28.
- Berkshire Hathaway Inc. 2025 Annual Report / Form 10-K. Berkshire Hathaway Inc.; 2025 annual report, PDF page 5, printed K-4, lines 303–308: BH Direct and GUARD joint SMB focus; BH Direct platforms/admitted products. Accessed 2026-09-28.
- Links to Berkshire Hathaway Subsidiary Companies. Berkshire Hathaway Inc.; Published subsidiary-company list; BHDIC (THREE), BHSI, and biBERK shown separately, lines 11–16. Accessed 2026-09-28.
- THREE online quote application. Berkshire Hathaway Direct Insurance Company, dba THREE; THREE online quote entry point inspected; the page is a route to begin an application. No form was submitted or quote generated; this source alone does not establish customer self-binding. Accessed 2026-09-28.
- Business Owners Policy | THREE. Berkshire Hathaway Direct Insurance Company, dba THREE; Product page explicitly markets Business Liability categories (including liquor liability if required), Property (including equipment breakdown and inland marine), Business Auto (including cargo liability and hired/non-owned), Business Interruption, Cyber and Workers’ Compensation, within one combined policy description (lines 8–9, 19–21, 23–76); BHDIC dba THREE footer (lines 93–94). Accessed 2026-09-29.
- Benefits | THREE. Berkshire Hathaway Direct Insurance Company, dba THREE; Page copy: commercial coverage category descriptions for liability, cyber, property/business interruption, business auto and workers compensation; describes product benefits, not a complete policy form. Accessed 2026-09-29.
- THREE logo SVG. Berkshire Hathaway Direct Insurance Company, dba THREE; Direct official SVG asset; viewBox 0 0 720 253; embedded title “Three by Berkshire Hathaway”; downloaded and preserved byte-for-byte as assets/three-logo.svg. Accessed 2026-09-29.
