Newfront vs THREE by Berkshire Hathaway: How Do They Compare for Commercial Auto Insurance?

Newfront's casualty practice brokers auto liability coverage. It negotiates placement and program structure with carriers rather than underwriting the risk itself. ⁵Company-reported. Casualty offering page; auto liability is one of several coverages the casualty practice places.

THREE presents Business Auto as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. ⁸Company-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 casualty page does not name the insurer or insurers that would issue an auto liability policy placed through Newfront. ⁵Not publicly disclosed. Casualty page as read on 2026-09-23; carrier depends on the specific placement.

The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. ⁷Company-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.

Newfront says it addresses "the rise in motor vehicle accidents" as part of casualty risk for companies of every size and scope, without naming a fleet-size or industry cutoff for auto liability specifically. ⁵Company-reported. Casualty page intro paragraph; general framing, not a stated eligibility rule.

The reviewed product page does not state separate eligibility rules for Business Auto; the general quote and advisor route is not proof that a particular business qualifies for it. ^8,6Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms.

Newfront lists Auto Liability among the Key Coverages of its casualty program, alongside general liability, product liability, workers' compensation, umbrella/excess liability, and environmental and pollution liability. ⁵Company-reported. Casualty page Key Coverages list; no description of auto-specific limits, endorsements or fleet-safety requirements.

THREE's Business Owners Policy page lists Business Auto 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. ^8,7Company-reported. Official THREE package marketing for Business Auto. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy.

Newfront's casualty page does not publish limits, deductibles, retentions or program structures (such as guaranteed-cost versus large-deductible) specific to auto liability. ⁵Not publicly disclosed. Casualty page as read on 2026-09-23; program-structure options are described only in general terms for casualty overall.

The reviewed public product page does not state a separate limit or deductible for Business Auto; THREE says the quote-specific insurance summary lists limits and deductibles. ^8,7Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible.

Newfront says its casualty practice provides claims advocacy and integrated risk control resources to help clients mitigate risk exposures and reduce claim frequency and costs, alongside market intelligence from carrier relationships. ⁵Company-reported. Claims Advocacy & Risk Control and Market Intelligence sections; described casualty-wide, not auto-specific.

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You start an auto liability placement by requesting a consultation through Newfront's casualty page. ⁵Company-reported. Casualty page call-to-action; no online quoting or binding described.

THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. ⁶Company-reported. This is the route for the overall THREE product. It does not show whether Business Auto will be offered for a particular business or whether a customer can bind that line without an issued policy.

Newfront says its casualty claims advocacy team manages claims through resolution, which would include an auto liability claim. ⁵Company-reported. The Newfront Difference section; casualty-wide description, not an auto-specific claims workflow.

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