Nationwide vs 
THREE by Berkshire Hathaway
Introduction
Coverage Comparison
| Coverage | Nationwide | THREE by Berkshire Hathaway |
|---|---|---|
| Builders risk | Listed 5Nationwide lists builders risk among inland-marine products. The page does not establish project-specific coverage periods, valuation, or exclusions. | Not listed |
| Business owner’s policy | Listed 3,1Nationwide markets a BOP for eligible small businesses and describes property and liability elements with optional additions; actual coverage is controlled by policy forms. | Listed 29,21Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Cargo and transit | Listed 5Nationwide lists motor truck cargo among inland-marine products. This is not evidence of broad cargo coverage or any particular commodity/route acceptance. | Not listed |
| Commercial auto | Listed 1,2Nationwide lists commercial auto in its small-business product catalogue. We couldn’t review the dedicated product page, so no vehicle, driver, or state terms are inferred. | Listed 29,21Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Commercial property | Listed 6,14Nationwide markets commercial property for business buildings and contents; property values, covered causes, limits, and exclusions depend on the policy. | Listed 29,21Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Crime | Listed 10,12Nationwide markets commercial crime insurance and management-liability crime products; exact insuring agreements and fidelity form are not established here. | Not listed |
| Cyber liability | Listed 8,1Nationwide markets cyber liability and data-breach insurance to business customers; quote and policy terms determine eligibility and coverage. | Listed 29,21Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Directors and officers | Listed 13,12Nationwide Management Liability & Specialty markets a distinct D&O product. The reviewed materials do not establish issuer or form for a particular risk. | Listed 29Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Employment practices liability | Listed 7,12Nationwide markets EPLI through small-business and management-liability channels; the reviewed pages do not establish a standard grant or eligibility. | Listed 29Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Equipment breakdown | Listed 3,14Nationwide presents equipment breakdown under its BOP coverages; the individual policy controls inclusion and terms. | Listed 29,21THREE 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. |
| Fiduciary liability | Listed 12Nationwide Management Liability & Specialty lists fiduciary liability as a distinct commercial-liability product; terms and availability remain quote-specific. | Listed 29Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| General liability | Listed 14,3Nationwide lists general liability in its professional-office package description and BOP materials; this establishes marketing only, not standalone availability or policy scope. | Listed 29,21Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Liquor liability | Not listed | Listed 29Marketed within THREE’s combined commercial policy if required; the quote and issued form determine availability and protection. |
| Management liability | Listed 12,13Nationwide Management Liability & Specialty markets multiple distinct management-liability products, including D&O, fiduciary, crime, and EPLI; no single bundled form is inferred. | Not listed |
| Professional errors and omissions (E&O) | Listed 11,2Nationwide markets professional E&O for professional-service exposures. This does not establish technology E&O or any particular profession’s acceptance. | Listed 29Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Surety bonds | Listed 9,1Nationwide markets commercial surety bonds. A bond is a contractual guarantee and is not interchangeable with an insurance policy. | Not listed |
| Tools, equipment and inland marine | Listed 5,2Nationwide markets inland-marine products including contractor equipment and installation floaters; product availability and covered property vary. | Listed 29Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Umbrella and excess liability | Listed 1,2Nationwide lists commercial umbrella for small businesses. Reviewed catalogue evidence does not establish attachment, limits, underlying requirements, or a specific excess form. | Not listed |
| Workers’ compensation | Listed 4,1Nationwide markets workers’ compensation and describes state-variable benefits and services. State law, policy, and employer eligibility govern. | Listed 29,21Marketed 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.
Nationwide
CarrierCarrier & MGA
No Spot Score
Assessment subject unavailable
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.
Nationwide
Review Score
4 rated sources
Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.[1][10]
Read Nationwide 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 Nationwide and THREE
Business Roles and Access to Insurers
Nationwide’s documented role shapes who handles underwriting and how you reach a policy.
Nationwide markets commercial insurance through small-business, agribusiness, middle-market and specialty channels. Its general P&C disclosure names Nationwide Mutual Insurance Company and affiliated companies as underwriting companies; the reviewed materials do not map each commercial product to its legal issuer. 1,2,17Company-reported. Nationwide-branded U.S. commercial insurance; issuer and availability vary by product/company/state.
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. 20,21,22Company-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.
Nationwide presents separate commercial routes for small businesses, midsize and large businesses with complex risks, E&S/specialty customers, and agribusiness operators. These are published segments, not a promise of product eligibility. 1,2Company-reported. Public U.S. commercial segment descriptions; product and state eligibility remain quote-specific.
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. 20,26Company-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. 1 1 1 20 20 29
Nationwide says small-business buyers can start an online quote and then call or work with an agent to purchase. Its BOP page says a quote can be started online; this does not establish online binding for every product or applicant. 1,3Company-reported. Official small-commercial and BOP pages; no application was submitted or purchase flow completed.
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. 20,22Company-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 Nationwide when an agent must take over and which affiliate issues the policy. Ask THREE how to bind the quote and confirm the insurer on your declarations. 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 | Nationwide | THREE by Berkshire Hathaway |
|---|---|---|
| Business role | Nationwide markets commercial insurance through small-business, agribusiness, middle-market and specialty channels. Its general P&C disclosure names Nationwide Mutual Insurance Company and affiliated companies as underwriting companies; the reviewed materials do not map each commercial product to its legal issuer. 1,2,17Company-reported. Nationwide-branded U.S. commercial insurance; issuer and availability vary by product/company/state. | 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. 20,21,22Company-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. 27,26Company-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 | Nationwide presents separate commercial routes for small businesses, midsize and large businesses with complex risks, E&S/specialty customers, and agribusiness operators. These are published segments, not a promise of product eligibility. 1,2Company-reported. Public U.S. commercial segment descriptions; product and state eligibility remain quote-specific. | 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. 20,26Company-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 | Nationwide says small-business buyers can start an online quote and then call or work with an agent to purchase. Its BOP page says a quote can be started online; this does not establish online binding for every product or applicant. 1,3Company-reported. Official small-commercial and BOP pages; no application was submitted or purchase flow completed. | 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. 20,22Company-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. 25Company-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
Nationwide Official Website
- Small Business Insurance. Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247. Accessed 2026-09-29.
- Small Business Insurance Solutions for Agents. Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193. Accessed 2026-09-29.
- Business Owners Policy (BOP Insurance). Nationwide; BOP audience/employee/sales criteria and coverages, lines 181–225; additional coverage options lines 244–277; policy/availability qualification line 326. Accessed 2026-09-29.
- Workers’ Compensation Insurance. Nationwide; Workers’ compensation benefits, state variability, claims/risk-management services and eligibility discussion, lines 216–259. Accessed 2026-09-29.
- Insurance for Inland Marine. Nationwide; Inland marine and Builder’s Risk products lines 184–225; contractor equipment, installation floater, riggers liability, motor truck cargo and warehouse legal liability lines 258–318. Accessed 2026-09-29.
- Commercial Property Insurance. Nationwide; Business buildings, contents, equipment and fixtures; policy customization and agent quote route. Accessed 2026-09-29.
- Employment Practices Liability Insurance. Nationwide; Dedicated EPLI product page; product identity and company-described policy scope. Accessed 2026-09-29.
- Cyber Liability & Data Breach Insurance. Nationwide; Dedicated commercial cyber/data-breach product page; company-described product scope. Accessed 2026-09-29.
- Commercial Surety Bonds. Nationwide; Dedicated commercial surety product page and bond purpose. Accessed 2026-09-29.
- Commercial Crime Insurance. Nationwide; Dedicated commercial crime page and covered crime examples. Accessed 2026-09-29.
- Errors and Omissions Insurance. Nationwide; Professional E&O product page; professional-service errors and financial-loss description. Does not establish technology-specific E&O terms. Accessed 2026-09-29.
- Commercial Liability Products. Nationwide Management Liability & Specialty; Distinct D&O, fiduciary liability, crime and EPLI products; audience and claims-reporting description. Accessed 2026-09-29.
- Directors and Officers Liability. Nationwide Management Liability & Specialty; D&O primary scope of coverage, selected features and claims reporting. Accessed 2026-09-29.
- Commercial Office Space Insurance. Nationwide; Professional-office BOP, commercial property, GL, business income and equipment breakdown; E&O, auto, EPLI and management-liability options. Accessed 2026-09-29.
- Business Insurance Member Resources. Nationwide; Online business account, 24/7 self-service, claims filing/tracking, documents, bills and certificate-of-insurance help. Accessed 2026-09-29.
- Business Insurance Claims FAQ. Nationwide; Commercial claims intake and assigned claims professional; same-day contact is described as an aim, not a guarantee. Accessed 2026-09-29.
- Terms and Conditions for Nationwide.com. Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394. Accessed 2026-09-29.
- Nationwide Commercial Insurance. Nationwide; Commercial audiences and general commercial route; cited only alongside directly inspected linked product pages. Accessed 2026-09-29.
- Nationwide Business Insurance Review 2026 — commercial complaint analysis. NerdWallet; Same inspected NerdWallet commercial review as nerdwallet-review; updated June 3, 2026. Findings and contrary evidence, lines 332–372: lower-than-expected general-liability complaints and commercial-property described slightly above expectations. Methodology, lines 495–508: commercial-property complaints characterized as about expected. Rating display, lines 226–323: 4.5 page header and 4.0 Nationwide card. Accessed 2026-09-29.
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.
