Relm Insurance vs 
THREE by Berkshire Hathaway
Relm distributes specialty cover for AI and emerging-industry risks through partners and brokers, without an instant quote path documented; THREE offers an online quote route for small businesses. Relm is a more relevant inquiry for novel AI exposures, while THREE is a starting point for ordinary small-business risks. 11,1,7,15,24
Introduction
Coverage Comparison
| Coverage | Relm Insurance | THREE by Berkshire Hathaway |
|---|---|---|
| Business owner’s policy | Not listed | Listed 24,16Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Commercial auto | Not listed | Listed 24,16Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Commercial property | Listed 4Relm lists commercial property insurance for placement through brokers. | Listed 24,16Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Crime | Listed 4Relm lists crime insurance for placement through brokers. | Not listed |
| Cyber liability | Listed 4Relm lists cyber insurance for placement through brokers. | Listed 24,16Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Digital assets | Listed 4Relm lists digital-asset crime, slashing and smart-contract risks for placement through brokers. | Not listed |
| Directors and officers | Listed 4Relm lists directors and officers liability for placement through brokers. | Listed 24Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Employment practices liability | Listed 4Relm lists employment practices liability for placement through brokers. | Listed 24Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Equipment breakdown | Not listed | Listed 24,16THREE 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 4Relm lists fiduciary liability for placement through brokers. | Listed 24Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| General liability | Listed 4Relm lists general liability insurance for placement through brokers. | Listed 24,16Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Generative AI liability | Listed 7,6Relm describes NOVAAI for AI platforms and developers and PONTAAI excess coverage for AI users and developers. | Not listed |
| Kidnap and ransom | Listed 4Relm lists kidnap and ransom insurance for placement through brokers. | Not listed |
| Liquor liability | Not listed | Listed 24Marketed within THREE’s combined commercial policy if required; the quote and issued form determine availability and protection. |
| Media liability | Listed 4Relm lists media liability insurance for placement through brokers. | Not listed |
| Product liability | Listed 4Relm lists product liability insurance for placement through brokers. | Not listed |
| Professional errors and omissions (E&O) | Listed 4Relm lists professional errors and omissions insurance for placement through brokers. | Listed 24Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Surety bonds | Listed 4Relm lists contract surety for placement through brokers. | Not listed |
| Technology errors and omissions (E&O) | Listed 4Relm lists technology errors and omissions insurance for placement through brokers. | Not listed |
| Tools, equipment and inland marine | Listed 4Relm lists inland marine insurance for placement through brokers. | Listed 24Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Umbrella and excess liability | Listed 4Relm lists excess liability for placement through brokers. | Not listed |
| Workers’ compensation | Not listed | Listed 24,16Marketed 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.
Relm Insurance
Hybrid providerBroker
No Spot Score
Assessment subject unavailable
Carrier & 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.
Relm Insurance
Review Score
We couldn't find any public customer reviews or ratings for Relm Insurance. Its Trustpilot page exists but has no reviews yet.[9]
Read Relm Insurance 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 Relm Insurance and THREE
Business Roles and Access to Insurers
Relm Insurance’s documented role shapes who handles underwriting and how you reach a policy.
AI and emerging-industry buyers can approach Relm for specialty insurance, but its Bermuda insurer and US distributor perform different roles. 1,3,2Company-reported. Brand-level introduction; company descriptions, not an independent regulatory finding.
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. 15,16,17Company-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.
AI developers, sellers and businesses deploying third-party AI can consider Relm’s products; public pages do not specify a minimum funding stage or revenue threshold. 6,7,9Company-reported. AI product audiences; no inference that all bootstrapped, pre-revenue or growth-stage companies qualify.
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. 15,21Company-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 11 7 15 15 24
Relm’s inquiry form collects company and location details; its US offering is distributed through partners and licensed brokers, with no documented instant quote or online bind. 11,3Company-reported. Public inquiry and broker-led access; no form submitted and no quotation received.
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. 15,17Company-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 Relm which AI or technology wording, broker and insurer apply to your use case. Ask THREE whether its underwriting accepts your operations and whether its terms address the same exposure. 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 | Relm Insurance | THREE by Berkshire Hathaway |
|---|---|---|
| Business role | AI and emerging-industry buyers can approach Relm for specialty insurance, but its Bermuda insurer and US distributor perform different roles. 1,3,2Company-reported. Brand-level introduction; company descriptions, not an independent regulatory finding. Check who will sell and issue your policy: Relm Insurance Ltd. is Bermuda regulated; Relm US Insurance Solutions Inc. is a US producer and MGA. The Bermuda insurer says it works only through licensed brokers. 2,3Company-reported. Company legal disclosures and US launch announcement; authority and insurer vary by placement. No regulator license verification completed. | 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. 15,16,17Company-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. 22,21Company-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 | AI developers, sellers and businesses deploying third-party AI can consider Relm’s products; public pages do not specify a minimum funding stage or revenue threshold. 6,7,9Company-reported. AI product audiences; no inference that all bootstrapped, pre-revenue or growth-stage companies qualify. | 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. 15,21Company-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 | Relm’s inquiry form collects company and location details; its US offering is distributed through partners and licensed brokers, with no documented instant quote or online bind. 11,3Company-reported. Public inquiry and broker-led access; no form submitted and no quotation received. | 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. 15,17Company-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. 20Company-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
Relm Insurance Official Website
- Artificial Intelligence Insurance. Relm Insurance; Introduction; Artificial Intelligence Insurance Risks; footer. Accessed 2026-09-16.
- Legal Information. Relm Insurance; Bermuda License; US Licenses, California row; footer jurisdiction restriction. Accessed 2026-09-16.
- Relm Launches US MGA. Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
- Lines of Business. Relm Insurance; Financial Lines through Specialty Lines; individual offering lists. Accessed 2026-09-16.
- Tailored Industry Insurance Products. Relm Insurance; Artificial Intelligence; Digital Asset & Web3; Fintech; Space. Accessed 2026-09-16.
- Relm Launches AI Liability Solutions. Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
- Relm’s NOVAAI Solution: Insurance for AI Platforms and Developers. Relm Insurance; Introduction; Understanding the New AI Liability Risks for AI Developers. Accessed 2026-09-16.
- Relm’s PONTAAI Solution: AI Insurance Coverage Beyond Existing Liability Programs. Relm Insurance; Opening product definition; Specific Shortcomings; Key features. Accessed 2026-09-16.
- Relm’s RESCAAI Solution: Innovative Insurance for AI-Exposed Operations. Relm Insurance; RESCAAI: Insurance Coverage Designed for Operational Risks; four coverage areas. Accessed 2026-09-16.
- Relm Announces Fronting Partnership with Trisura Specialty Insurance Company. Relm Insurance; Title; opening fronting-agreement paragraph; About Trisura Group. Accessed 2026-09-16.
- Contact. Relm Insurance; Get in Touch form; footer broker and coverage restrictions. Accessed 2026-09-16.
- Claims. Relm Insurance; Experienced Claims Team; Accessible; illustrative claims scenarios. Accessed 2026-09-16.
- Terms & Conditions. Relm Insurance; Website terms; Contact Details: General Inquiries, Claims, Global Claims Response, US Claims Response, Complaints. Accessed 2026-09-16.
- Relm Launches Kidnap and Ransom Insurance for Digital Asset and Cannabis Executives. Relm Insurance; Opening product announcement; Comprehensive Protection with Immediate Response. Accessed 2026-09-16.
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.
