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

Newfront's Cyber Risk practice brokers cyber coverage: it assesses risk, negotiates coverage and placement, and provides claims consultation. It does not underwrite the policy itself. ⁵Company-reported. Cyber Risk offering 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. 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 Cyber Risk page does not name the insurer or insurers that would issue a cyber policy placed through Newfront. ⁵Not publicly disclosed. Cyber Risk 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.

The Cyber Risk page does not state a company-size or industry eligibility threshold; it speaks generally about clients facing "evolving cyber risk and increased underwriting standards." ⁵Not publicly disclosed. Our Approach section; general framing, not a stated eligibility rule.

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. ^8,6Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms.

Newfront lists Cyber Liability Insurance, Data Breach Insurance, Technology Errors and Omissions (E&O), Business Interruption, Network Security Liability, and Cyber Extortion and Ransomware Coverage among its cyber Key Coverages. ⁵Company-reported. Cyber Risk page Key Coverages list; the page treats technology E&O as part of the same practice.

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. ^8,7Company-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.

Newfront's cyber page does not publish limits or retentions. It says its technology team provides proprietary modeling data to inform decisions on limits aligned with a client's risk exposure and tolerance. ⁵Company-reported. Subject Matter Expertise section; describes an internal modeling service, not published limit figures.

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. ^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 dedicated cyber security specialists advise on security-improvement opportunities and current cybersecurity practices against phishing, ransomware and DDoS threats, and that its Tech E&O and Cyber team negotiates bespoke policy language. ⁵Company-reported. Subject Matter Expertise section of the cyber page.

Confirm in your quote.

You start a cyber placement by requesting a consultation through Newfront's Cyber Risk page, which is led by Jennifer Wilson, Head of the Cyber Practice. ⁵Company-reported. Cyber Risk page call-to-action and Leadership section; 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 Cyber will be offered for a particular business or whether a customer can bind that line without an issued policy.

Newfront says it provides "hands-on" claims consultation for cyber breaches, including pre- and post-loss advocacy and resolution consultation to prepare clients on breach-response protocol before a claim. ⁵Company-reported. Claims Consultation section of the cyber page; a described service, not a claims-outcome statistic.

Confirm in your quote.