Relm Insurance vs THREE by Berkshire Hathaway: How Do They Compare for Commercial Property Insurance?

Relm markets Commercial Property Insurance as a line brokers can place for clients, paired on the same page with its inland marine and business interruption products. ³Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.

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. ⁶Company-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 page does not name a specific issuing insurer for commercial property placements. ³Not publicly disclosed. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.

The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. ⁵Company-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.

Relm targets companies with costly, often specialized or custom-built physical assets, specifically naming cannabis cultivation, advanced manufacturing and aerospace as sectors traditional insurers may not adequately cover. ³Company-reported. Property page 'Who Needs Commercial Property Insurance?' section; not a guarantee of eligibility for a particular company.

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. ^6,4Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms.

Relm says commercial property covers buildings, machinery and equipment, inventory and furniture against losses from events like fire, theft, vandalism, storm damage and some types of water damage, written as either named-perils or open-perils/all-risk. ³Company-reported. Property page 'What is Commercial Property Insurance?' section; the issued policy and declarations control.

Relm says the coverage excludes wear and tear, poor-maintenance damage, mold or contamination (addressed by separate environmental insurance), Acts of God such as flooding or earthquakes (needing separate policies in at-risk areas), war or terrorism, and intentional damage by employees. ³Company-reported. Property page 'What Does Commercial Property Insurance Not Cover?' section.

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. ^6,5Company-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.

Confirm in your quote.

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. ^6,5Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible.

Relm sells commercial property coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ³Company-reported. Property page framing; consistent with Relm's broader broker-distribution model.

THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. ⁴Company-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.