RiskCube vs 
THREE by Berkshire Hathaway
Introduction
Coverage Comparison
| Coverage | RiskCube | THREE by Berkshire Hathaway |
|---|---|---|
| Business owner’s policy | Not listed | Listed 22,14Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Commercial auto | Not listed | Listed 22,14Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Commercial property | Not listed | Listed 22,14Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Crime | Listed 5RiskCube arranges commercial crime insurance for startups. | Not listed |
| Cyber liability | Listed 5RiskCube arranges cyber insurance for startups. | Listed 22,14Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Directors and officers | Listed 5RiskCube arranges directors and officers liability insurance for startups. | Listed 22Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Employment practices liability | Listed 5RiskCube arranges employment practices liability insurance for startups. | Listed 22Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Equipment breakdown | Not listed | Listed 22,14THREE 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 5RiskCube arranges fiduciary liability insurance for startups. | Listed 22Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| General liability | Listed 5RiskCube arranges general liability insurance for startups. | Listed 22,14Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Generative AI liability | Listed 5RiskCube markets AI insurance for startups building AI products. | Not listed |
| Key person | Listed 9RiskCube markets key person life insurance placement for startups. | Not listed |
| Liquor liability | Not listed | Listed 22Marketed within THREE’s combined commercial policy if required; the quote and issued form determine availability and protection. |
| Professional errors and omissions (E&O) | Not listed | Listed 22Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Technology errors and omissions (E&O) | Listed 7RiskCube arranges technology errors and omissions insurance for startups. | Not listed |
| Tools, equipment and inland marine | Not listed | Listed 22Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Workers’ compensation | Not listed | Listed 22,14Marketed 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.
RiskCube
BrokerBroker
5.9/ 10Assessed provider: RiskCube. Scope: RiskCube Insurance Services, LLC as the producer/broker and RiskCube, Inc. as platform/operational support. RiskCube’s own disclosures say it is not a carrier and does not underwrite; third-party carrier and policy-specific issuer remain outside the generic brand scope.
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.
RiskCube
Review Score
RiskCube has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge.[10][1][6]
Read RiskCube 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 RiskCube and THREE
Business Roles and Access to Insurers
RiskCube’s documented role shapes who handles underwriting and how you reach a policy.
RiskCube helps startups compare insurance through a broker and platform; RiskCube Insurance Services, LLC arranges coverage, while third-party insurers issue policies. 4,3Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.
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. 13,14,15Company-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.
Venture-backed startups from pre-seed through IPO and other growing businesses can ask RiskCube about SaaS, AI, fintech, GovTech, space and Web3 risks. 6Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.
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. 13,19Company-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. 4 1 5 13 13 22
RiskCube describes a digital intake followed by AI-assisted, broker-reviewed comparison and purchase, but the application reviewed showed only a contact form. 1,11Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.
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. 13,15Company-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
RiskCube’s public intake starts with a contact form; ask who reviews the application and which insurers may quote. Ask THREE whether the business class is eligible and who issues the policy. 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 | RiskCube | THREE by Berkshire Hathaway |
|---|---|---|
| Business role | RiskCube helps startups compare insurance through a broker and platform; RiskCube Insurance Services, LLC arranges coverage, while third-party insurers issue policies. 4,3Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification. | 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. 13,14,15Company-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. 20,19Company-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 | Venture-backed startups from pre-seed through IPO and other growing businesses can ask RiskCube about SaaS, AI, fintech, GovTech, space and Web3 risks. 6Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification. | 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. 13,19Company-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 | RiskCube describes a digital intake followed by AI-assisted, broker-reviewed comparison and purchase, but the application reviewed showed only a contact form. 1,11Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification. Technology E&O applicants should prepare product, customer, revenue, contract, claims and incident details; RiskCube qualifies quote timing based on risk and underwriting complexity. 7Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification. A quote is not coverage: RiskCube requires written confirmation from an insurer or authorized representative and satisfaction of binding conditions. 4Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification. | 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. 13,15Company-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. 18Company-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
RiskCube Official Website
- Startup Business Insurance. RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
- Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
- Disclosures & Compensation. RiskCube; Sections 1–5; February 11, 2026 version. Accessed 2026-09-16.
- Terms of Service. RiskCube; Who We Are; sections 5, 9, 10 and 19; February 11, 2026 version. Accessed 2026-09-16.
- Startup Insurance Coverage. RiskCube; All coverage types: product sales cards and Learn more routes; footer producer-role disclosure. Accessed 2026-09-16.
- Startup Insurance FAQ. RiskCube; Getting Started; Industries & Eligibility; Certificates & Compliance; claim question. Accessed 2026-09-16.
- Technology Errors and Omissions (E&O) Insurance. RiskCube; Technology E&O product and quote introduction; application FAQ; AI & enterprise risk FAQ on adding an excess policy for AI-related gaps. Accessed 2026-09-16.
- Credit Insurance for Startups. RiskCube; Introduction; coverage exclusions; closing placement invitation. Accessed 2026-09-16.
- Key Person Life Insurance for Startups. RiskCube; Key Person Life Insurance product introduction; quote-comparison invitation; timing FAQ; closing placement invitation. Accessed 2026-09-16.
- Key Person Life Insurance Notice. RiskCube; Sections 2–6; June 23, 2026 version. Accessed 2026-09-16.
- Contact RiskCube. RiskCube; Talk to a licensed insurance expert; Contact form (served at application URL). Accessed 2026-09-16.
- Contact RiskCube. RiskCube; Contact form served at AI Insurance URL. 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.
