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

Marsh's cyber risk practice places and advises on cyber insurance brokerage; it does not underwrite the policies it places. ⁵Company-reported. Marsh corporate cyber insurance product page.

Marsh McLennan Agency (MMA), Marsh's middle-market subsidiary, places cyber coverage and acts as a carrier liaison, combining placement with claims advocacy. ⁸Company-reported. MMA cyber solutions page.

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. ¹¹Company-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.

The reviewed pages do not name a specific cyber insurer for a standard placement. Marsh's Cyber ECHO excess facility lets clients choose underwriting from Lloyd's of London syndicates, company markets or Bermuda-based insurers, so the carrier varies by placement. ⁶Not publicly disclosed. Cyber ECHO facility page, which covers excess layers rather than every primary policy Marsh places.

The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. ¹⁰Company-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.

MMA says any company can benefit from cyber coverage, but prioritizes organizations that store significant customer data, run large customer databases or hold valuable digital assets. ⁸Company-reported. MMA cyber solutions FAQ; MMA describes its own client base as middle-market organizations generally.

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. ^11,9Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms.

MMA lists incident investigation and response costs, network interruption/extra expense, extortion and ransomware payments, data restoration, and security and privacy liability as core cyber coverages, with media liability, privacy regulatory defense and reputation-based income loss available as additional coverages. ⁸Company-reported. MMA cyber solutions page; actual policy wording and insurer vary by placement.

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. ^11,10Company-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.

Marsh says its Cyber ECHO excess facility can provide over $200 million of cyber capacity per client, with a free first reinstatement and a paid second reinstatement for separate cyber events within a policy year. ⁶Company-reported. Cyber ECHO facility page; describes excess capacity Marsh can arrange, not a standard primary limit.

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. ^11,10Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible.

You engage a named Marsh or MMA cyber specialist to design a placement; the reviewed pages describe advisor-led placement and risk analytics rather than an online self-serve quote. ^5,8Company-reported. Marsh and MMA cyber pages, which list dedicated cyber brokerage and placement leaders.

THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. ⁹Company-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.

Marsh's global claims and incident-management specialists review cyber claims, support litigation management and work with forensic accountants to prepare proof of loss, advocating with insurers on the client's behalf. ⁷Company-reported. Claims Advocacy expertise page; recovery outcomes described as company-reported and not independently verified.

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