Newfront vs 
THREE by Berkshire Hathaway: How Do They Compare for Commercial Property Insurance?
What Is Newfront?
Newfront suits growing and enterprise businesses seeking specialist insurance and benefits teams plus Navigator policy tools; small firms wanting an instant direct quote should compare online carriers. Its Partner Management tool is included in client service agreements. 1,2,3,4
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. 6,7
Read the THREE by Berkshire Hathaway profile
Read the THREE by Berkshire Hathaway Commercial Property Insurance page
What Is Commercial Property Insurance?
Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. 9,10,11
Key Differences in Commercial Property Insurance
Catastrophe and program options
Newfront lists all-risk, supply-chain, and business-interruption coverage and names flood, hurricane and windstorm, earthquake, wildfire, and terrorism among its catastrophe perils. It can structure shared or layered programs, deductible buy-downs, and parametric insurance tied to an agreed event. THREE lists Property in a combined BOP but does not describe those structures or catastrophe options in its reviewed record. A buyer with complex values or catastrophe exposure can ask Newfront how those program designs fit; ask THREE to identify available forms and limits. 5 8
Risk engineering and claims support
Newfront says its team reviews property and interruption values, pairs placements with in-house risk engineers, and supports coverage negotiation and claims resolution. THREE offers online quoting and licensed advisor assistance, but its record does not name property engineering or claims advocacy services. Ask both providers who reviews values before binding and who handles coverage negotiation after a loss. 5 6
What to Confirm in Commercial Property 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.
Newfront
Review Score
1 rated source
Newfront has too little firmwide customer feedback for a reliable review verdict. An individual agent’s BBB grade does not establish the wider company’s service quality.[6]
Read Newfront 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
Newfront vs THREE by Berkshire Hathaway: Commercial Property Insurance: documented features by provider
| Criteria | Newfront Property Insurance | THREE Business Owners Policy |
|---|---|---|
| Role in This Line | Newfront brokers commercial property coverage. Its property practice negotiates placement and program structure with carriers rather than underwriting the risk itself. 5Company-reported. Property offering page. | THREE presents Property 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. |
| Issuing Insurer | The reviewed property page does not name the insurer or insurers that would issue a property policy placed through Newfront. 5Not publicly disclosed. Property 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. |
| Who It’s For | The property page does not state a size or revenue threshold for eligibility. It lists industries the practice serves, including construction, manufacturing, real estate and retail/wholesale. 5Company-reported. Areas of Expertise list on the property page; general industry scope, not an eligibility rule. | The reviewed product page does not state separate eligibility rules for Property; 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. |
| Coverage Features | Newfront lists All-Risks, supply-chain and business-interruption coverage, and catastrophe perils including flood, hurricane/windstorm/earthquake, wildfire and terrorism among its property Key Coverages. It also says it structures shared and layered programs, deductible buy-downs, and parametric insurance using an agreed event trigger. 5Company-reported. Property page Key Coverages and No Two Risks are Alike sections; actual policy forms and exclusions govern the issued policy. | THREE's Business Owners Policy page lists Property 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 Property. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy. |
| Limits and Retentions | Newfront's property page does not publish limits, deductibles or retentions. It says structures such as deductible buy-downs are set for each client. 5Not publicly disclosed. Property page as read on 2026-09-23. | The reviewed public product page does not state a separate limit or deductible for Property; 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. |
| Risk Services | Newfront says its property team reviews property and business-interruption values to identify data deficiencies, and pairs placements with in-house risk engineers for loss control and coverage-negotiation and claims-resolution support. 5Company-reported. Our Approach and Loss Control & Claims Advocacy sections of the property page. | Confirm in your quote. |
| How to Apply | You start a property placement by requesting a consultation through Newfront's property page. 5Company-reported. Property 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 Property will be offered for a particular business or whether a customer can bind that line without an issued policy. |
| Claims Support | Newfront says its property claims advocacy includes coverage negotiation and claims-resolution support, aimed at improving claims outcomes. 5Company-reported. Loss Control & Claims Advocacy section. | Confirm in your quote. |
Full Comparison
More Newfront vs THREE by Berkshire Hathaway Comparisons
Other Commercial Property Insurance Comparisons
Sources
Newfront
- Business Insurance. Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
- Employee Benefits. Newfront; Employee Benefits heading; Tailored Solutions; Comprehensive Expertise: Benefits, Global Benefits, Compensation and Retirement. Accessed 2026-09-16.
- WTW Completes Acquisition Of Newfront. WTW; 27 January 2026 release; completion announcement and allocation of Business Insurance and Total Rewards to WTW segments. Accessed 2026-09-15.
- Property. Newfront; Key Coverages to Protect Your Business: All-Risks, Supply Chain & Business Interruption, Flood, Hurricane/Windstorm/Earthquake, Wildfire, Terrorism; No Two Risks are Alike; Loss Control & Claims Advocacy. Accessed 2026-09-23.
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.
Commercial Property Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; What Should I Expect from a Broker-Agent; Commercial Property: Coverage Sections, Limits of Insurance, and Coinsurance; Covered Causes of Loss; Valuation Types; Inland Marine. Accessed 2026-09-16.
- Business Interruption Insurance/Businessowner’s Policies (BOP). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16.
- Commercial property insurance guide. Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your insurance. Accessed 2026-09-16.
