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 Equipment Breakdown Insurance page
What Is Equipment Breakdown Insurance?
Equipment-breakdown coverage can help repair covered machinery or building equipment after a mechanical or electrical failure. It fits businesses that depend on equipment to operate; check whether lost income, spoilage and utility failures are included. 9,10,11,12
Key Differences in Equipment Breakdown Insurance
How Specifically the Line Is Described
Newfront’s property page names equipment breakdown as one of the risks its practice addresses, but its itemized property coverages do not separately describe covered equipment or breakdown triggers. THREE’s BOP page lists Equipment Breakdown; its sample policy also excludes some equipment stoppages without an accident, without explaining how the quoted line changes that wording. The shared category name therefore leaves both buyers with a form-level question, especially for a machine whose failure can halt production. 5 8 7
Property Risk Engineering
Newfront says its property placements are paired with in-house risk engineers for loss control, a service described across property risks rather than specifically for equipment breakdown. THREE’s product page lists Equipment Breakdown as a BOP category. A facility manager can ask both providers whether an engineer will review machinery exposures and what equipment information the underwriter needs. 5 8
What to Confirm in Equipment Breakdown Insurance Quotes
Newfront and THREE by Berkshire Hathaway Review Scores for 2026
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
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
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 reviewsNewfront vs THREE by Berkshire Hathaway Equipment Breakdown Compared
Newfront vs THREE by Berkshire Hathaway: Equipment Breakdown Insurance: documented features by provider
| Criteria | Newfront Equipment Breakdown Insurance | THREE Business Owners Policy |
|---|---|---|
| Role in This Line | Newfront's property practice offers equipment-breakdown solutions as one of the risks it names on its property page. It brokers and negotiates placement rather than underwriting the risk itself. 5Company-reported. Property offering page hero statement, which names equipment breakdown alongside natural disaster and supply-chain risk. | THREE presents Equipment Breakdown 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 an equipment-breakdown 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 | Confirm in your quote. | The reviewed product page does not state separate eligibility rules for Equipment Breakdown; 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's property page names equipment breakdown as a risk it addresses in its opening statement, but its itemized Key Coverages list for property (All-Risks, business interruption, flood, windstorm/earthquake, wildfire, terrorism, cargo stock throughput) does not include a separate equipment-breakdown line item or describe covered equipment types. 5Company-reported. Property page as read on 2026-09-23; the mention is introductory rather than a detailed coverage description. | THREE's Business Owners Policy page lists Equipment Breakdown, while its sample policy also excludes some machinery, equipment, or listed vehicles that stop without an accident. The public materials do not establish how an offered equipment-breakdown item changes that sample exclusion. 8,7Company-reported. Company marketing and the displayed sample policy only; the selected quote, state-specific forms, and endorsements determine whether a specific equipment breakdown loss is covered. |
| Limits and Retentions | The reviewed property page does not publish limits, deductibles or retentions for equipment-breakdown coverage. 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 Equipment Breakdown; 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 placements are paired with in-house risk engineers for loss control, intended to maximize the return on a client's risk-improvement capital, which could apply to equipment-related risk. 5Company-reported. Loss Control & Claims Advocacy section; described property-wide, not specific to equipment breakdown. | Confirm in your quote. |
| How to Apply | You start an equipment-breakdown 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 Equipment Breakdown will be offered for a particular business or whether a customer can bind that line without an issued policy. |
| Claims Support | The reviewed property page does not describe an equipment-breakdown-specific claims process separate from its general property claims-advocacy and coverage-negotiation support. 5Not found in reviewed sources. Property page as read on 2026-09-23. | Confirm in your quote. |
Related Pages for Newfront vs THREE by Berkshire Hathaway
Equipment Breakdown Pages for Newfront and THREE by Berkshire Hathaway
Other Coverage Lines Compared for Newfront vs THREE by Berkshire Hathaway
Other Equipment Breakdown Insurance Provider Comparisons
Sources for Newfront vs THREE by Berkshire Hathaway
Sources About 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; Property hero: "Whether it's a natural disaster, supply chain constraints interrupting your business, or equipment breakdown, Newfront has solutions to protect your assets"; Loss Control & Claims Advocacy; Key Coverages to Protect Your Business. Accessed 2026-09-23.
Sources About 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.
Sources for the Equipment Breakdown Insurance Guide
- Understanding Commercial Package Policies. Insurance Information Institute; Available CPP additions: Equipment breakdown. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Boiler and Machinery; Commercial Property: Covered Causes of Loss; Commercial Property: Time Element; Inland Marine; Coverage Forms and/or Specialty Coverages. Accessed 2026-09-16.
- Equipment Breakdown. Travelers; Definition and equipment list. Accessed 2026-09-16.
- HSB TechAdvantage Equipment Breakdown Coverage Form. The Hartford Steam Boiler Inspection and Insurance Company; G.1 Accident, PDF p.17; A.2.a–c p.1; C.2 pp.8–9; C pp.8–9; D pp.9–10; E.10 Valuation, PDF pp.13–14; G.10–11 pp.18–19; A.2.n p.5 (Off Premises Equipment Breakdown); A.2.p pp.5–6; A.2.r p.6; G.18 p.20 (Interruption of Service). Accessed 2026-09-16.
