--- title: "Risklytics vs THREE by Berkshire Hathaway: Commercial Property Insurance" description: "Risklytics places property with specialist carriers and explains tenant contents limits, while THREE includes Property as a BOP quote category." canonical: "https://spot.insure/compare/risklytics-vs-three/commercial-property" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "risklytics-vs-three" provider-a: "risklytics" provider-b: "three" coverage-line: "commercial-property" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/risklytics-vs-three/commercial-property) ## Agent Guide **What this page is:** Focused comparison of Risklytics and THREE by Berkshire Hathaway for Commercial Property Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Commercial Property Insurance questions about Risklytics versus THREE by Berkshire Hathaway. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Risklytics vs THREE by Berkshire Hathaway for Commercial Property Insurance: how do they differ? - Which is better for Commercial Property Insurance, Risklytics or THREE by Berkshire Hathaway? - What does Risklytics or THREE by Berkshire Hathaway publish about Commercial Property Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Commercial Property Insurance from Risklytics or THREE by Berkshire Hathaway? **Key facts:** - Line: Commercial Property Insurance. Providers: Risklytics and THREE by Berkshire Hathaway. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Risklytics vs THREE by Berkshire Hathaway](https://spot.insure/compare/risklytics-vs-three) — parent: all coverage lines for this pair - [Commercial Property Insurance guide](https://spot.insure/coverage/commercial-property) — coverage explainer for this line - [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile (evidence) - [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence) - [Risklytics vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/risklytics-vs-three/general-liability) — sibling comparison (other line, or other pair for this line) - [Risklytics vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/risklytics-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line) - [Risklytics vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/risklytics-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Risklytics Commercial Property Insurance](https://spot.insure/compare/aig-vs-risklytics/commercial-property) — sibling comparison (other line, or other pair for this line) - [AIG vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/aig-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Risklytics Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/commercial-property) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line) - [Aon vs Risklytics Commercial Property Insurance](https://spot.insure/compare/aon-vs-risklytics/commercial-property) — sibling comparison (other line, or other pair for this line) - [Aon vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/aon-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line) # Risklytics vs THREE by Berkshire Hathaway: How Do They Compare for Commercial Property Insurance? Risklytics places property with specialist carriers and explains tenant contents limits, while THREE includes Property as a BOP quote category. ## Research Scope and Use Use this comparison to evaluate Risklytics and THREE by Berkshire Hathaway for Commercial Property Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Risklytics brokers property through outside carriers for robotics, autonomy, and AI companies and distinguishes premises contents from equipment in transit. THREE lists Property within its combined BOP and offers online advisor-assisted quoting. [4](https://www.risklytics.ai/lines/property/ "Commercial Property Insurance") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [7](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") ## What Is Risklytics Insurance? Risklytics suits robotics, autonomy and AI businesses that want help preparing an application and checking Tech E&O wording for AI exclusions; standard small businesses should compare generalist agencies. California eligibility is not established in its public materials. [1](https://www.risklytics.ai/about/ "About Risklytics: who we are") [2](https://www.risklytics.ai/ "Insurance for Frontier Tech") [3](https://www.risklytics.ai/terms/ "Terms of Service") [Risklytics profile](https://spot.insure/insurance-providers/risklytics) ## 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](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [7](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) ## What Is Commercial Property Insurance? Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop "Business Interruption Insurance/Businessowner’s Policies (BOP)") [11](https://www.tdi.texas.gov/pubs/consumer/cb021.html "Commercial property insurance guide") ## Key Differences in Commercial Property Insurance ### Tenant contents and equipment in transit Risklytics describes commercial property as repairing a leased office or lab and replacing contents after on-premises damage or theft, such as a burst pipe damaging test rigs. It says the coverage does not follow equipment once it leaves the premises; that exposure belongs under equipment or inland marine. THREE lists Property in its combined BOP but does not describe premises boundaries in the reviewed record. A tenant moving robotics or lab equipment between sites should confirm where property coverage stops and whether transit is separately insured. [4](https://www.risklytics.ai/lines/property/ "Commercial Property Insurance") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ### Carrier identity and online application Risklytics says it places coverage with specialist outside carriers that consider robotics, autonomy, and AI risks, and an issuing carrier appears on the bound policy. It offers an online application and says no broker fee is added to premium. THREE offers an online quote with licensed advisor help; its sample declarations identify Berkshire Hathaway Direct Insurance Company. Compare the actual carrier name and handling of unusual technical equipment. [1](https://www.risklytics.ai/about/ "About Risklytics: who we are") [4](https://www.risklytics.ai/lines/property/ "Commercial Property Insurance") [7](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") ## What to Confirm in Commercial Property Insurance Quotes - Ask Risklytics which carrier is proposed and whether equipment outside the premises needs inland marine coverage. [4](https://www.risklytics.ai/lines/property/ "Commercial Property Insurance") - Ask THREE how it treats lab contents, test equipment, and property in transit. [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") - Compare application fees, issuer, and policy schedule. [1](https://www.risklytics.ai/about/ "About Risklytics: who we are") [6](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") ## Offering Details | Criteria | Risklytics Commercial Property Insurance | THREE Business Owners Policy | | --- | --- | --- | | Role in This Line | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Commercial Property Insurance with outside carriers; it says it does not underwrite policies itself. [1](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: About page; describes Risklytics' brokerage model generally, restated for this line..) | 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. [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: 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 | Risklytics does not name the carrier that underwrites Risklytics Commercial Property Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. [4](https://www.risklytics.ai/lines/property/ "Commercial Property Insurance") [1](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Lines page and about page; no specific insurer is published for this line..) | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [7](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: 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 | Risklytics says landlords usually require this coverage on a first lease with meaningful contents, and that a tenant's lease commonly requires coverage for improvements and contents since the landlord's own policy only covers the building. [4](https://www.risklytics.ai/lines/property/ "Commercial Property Insurance") (Evidence: Company-reported; scope: Lines page..) | 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. [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms..) | | Coverage Features | Risklytics describes Commercial Property as paying to repair a leased office or lab and replace its contents after damage or theft on premises, such as a burst pipe soaking test rigs or a break-in emptying a workshop, and says it does not follow equipment once it leaves the premises (that is Equipment/Inland Marine). [4](https://www.risklytics.ai/lines/property/ "Commercial Property Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) | 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. [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [7](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: 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..) | | Limits and Retentions | Risklytics does not publish a typical dollar limit for this line; it says the typical ask is enough coverage to replace what is in the insured space. [4](https://www.risklytics.ai/lines/property/ "Commercial Property Insurance") (Evidence: Not publicly disclosed; scope: Lines page, checked 2026-09-23..) | 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. [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [7](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible..) | | Risk Services | Risklytics calls commercial property the most standardized, easy-to-get policy it places. [4](https://www.risklytics.ai/lines/property/ "Commercial Property Insurance") (Evidence: Company-reported; scope: Lines page..) | Confirm in your quote. | | How to Apply | You start Risklytics Commercial Property Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. [5](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [1](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Pricing page describes the general application and fee process, not a line-specific form..) | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. [6](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: 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..) | ## Full Comparison - [Risklytics vs THREE by Berkshire Hathaway](https://spot.insure/compare/risklytics-vs-three): all coverage lines, business roles, service and claims. - [What Is Commercial Property Insurance?](https://spot.insure/coverage/commercial-property): Commercial property insurance can protect buildings, equipment and inventory, while valuation, deductibles, exclusions and income protection affect your cost after a loss. - [Risklytics vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/risklytics-vs-three/general-liability) - [Risklytics vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/risklytics-vs-three/inland-marine) - [Risklytics vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/risklytics-vs-three/workers-compensation) - [AIG vs Risklytics Commercial Property Insurance](https://spot.insure/compare/aig-vs-risklytics/commercial-property) - [AIG vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/aig-vs-three/commercial-property) - [Alliance Risk vs Risklytics Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/commercial-property) - [Alliance Risk vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-property) - [Aon vs Risklytics Commercial Property Insurance](https://spot.insure/compare/aon-vs-risklytics/commercial-property) - [Aon vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/aon-vs-three/commercial-property) ## Sources ### Risklytics 1. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23. 2. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16. 3. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16. 4. [Commercial Property Insurance](https://www.risklytics.ai/lines/property/). Risklytics; Coverage line: Commercial Property; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23. 5. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23. ### THREE by Berkshire Hathaway 6. [Jargon-free small business insurance - THREE by Berkshire Hathaway](https://threeinsurance.com/). 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. 7. [The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway](https://threeinsurance.com/the-policy). 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. 8. [Business Owners Policy - THREE by Berkshire Hathaway](https://threeinsurance.com/business-owners-policy). 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. ### Commercial Property Insurance Guide 9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; What Should I Expect from a Broker-Agent; Commercial Property: Coverage Sections, Limits of Insurance, and Coinsurance; Covered Causes of Loss; Valuation Types; Inland Marine. Accessed 2026-09-16. 10. [Business Interruption Insurance/Businessowner’s Policies (BOP)](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16. 11. [Commercial property insurance guide](https://www.tdi.texas.gov/pubs/consumer/cb021.html). Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your insurance. Accessed 2026-09-16. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Risklytics Reviews Review Score: not enough ratings. Risklytics 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. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/risklytics/reviews). ## THREE by Berkshire Hathaway Reviews Review Score: 7.3 / 10 from 2 rated sources, equally weighted. 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. - NerdWallet: NerdWallet editorial rating 4.0 (5 stars). NerdWallet editorial evaluation of THREE commercial insurance; updated May 11, 2026. Its methodology score is an editorial rating, not an average of consumer reviews or a claims study. Period: Updated 2026-05-11. Checked 2026-09-29. [Three Insurance review | NerdWallet](https://www.nerdwallet.com/business/insurance/learn/three-insurance) - Trustpilot: TrustScore 2.5 (5 stars); 5 reviews. Trustpilot page for threeinsurance.com checked 2026-09-29. Five user-posted reviews, one in prior 12 months; small self-selected population, review provenance not independently verified. Period: Displayed 2026-09-29. Checked 2026-09-29. [THREE Reviews | Trustpilot](https://uk.trustpilot.com/review/threeinsurance.com) - BBB: BBB customer review average 4.8 (5 stars); 265 reviews. BBB profile for THREE by Berkshire Hathaway, customer-review and complaints pages directly rechecked 2026-09-29. The customer-review population includes sales-agent/intermediary interactions and customer purchase/service reports; it is not a verified uniform policyholder or claims-outcome cohort. Average and complaints are distinct populations. BBB says third-party information may not be verified and complaint text may be incomplete. Period: Displayed 2026-09-29. Checked 2026-09-29. [THREE by Berkshire Hathaway customer reviews | BBB](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/customer-reviews?page=1); [THREE by Berkshire Hathaway complaints | BBB](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/complaints) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/three/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/risklytics-vs-three/commercial-property.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)