--- title: "Simply Business vs THREE by Berkshire Hathaway: Business Owner’s Policy" description: "THREE offers a Business Owners Policy quote online and says licensed Small Business Advisors can help." canonical: "https://spot.insure/compare/simply-business-vs-three/business-owners-policy" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "simply-business-vs-three" provider-a: "simply-business" provider-b: "three" coverage-line: "business-owners-policy" --- 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/simply-business-vs-three/business-owners-policy) ## Agent Guide **What this page is:** Focused comparison of Simply Business and THREE by Berkshire Hathaway for Business Owner’s Policy: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Business Owner’s Policy questions about Simply Business 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:** - Simply Business vs THREE by Berkshire Hathaway for Business Owner’s Policy: how do they differ? - Which is better for Business Owner’s Policy, Simply Business or THREE by Berkshire Hathaway? - What does Simply Business or THREE by Berkshire Hathaway publish about Business Owner’s Policy (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Business Owner’s Policy from Simply Business or THREE by Berkshire Hathaway? **Key facts:** - Line: Business Owner’s Policy. Providers: Simply Business 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:** - [Simply Business vs THREE by Berkshire Hathaway](https://spot.insure/compare/simply-business-vs-three) — parent: all coverage lines for this pair - [Business Owner’s Policy guide](https://spot.insure/coverage/business-owners-policy) — coverage explainer for this line - [Simply Business profile](https://spot.insure/insurance-providers/simply-business) — provider profile (evidence) - [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence) - [Simply Business vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/simply-business-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line) - [Simply Business vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/simply-business-vs-three/cyber) — sibling comparison (other line, or other pair for this line) - [Simply Business vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/simply-business-vs-three/general-liability) — sibling comparison (other line, or other pair for this line) - [Simply Business vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/simply-business-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line) - [Simply Business vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/simply-business-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Simply Business vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/simply-business-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Simply Business Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-simply-business/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Simply Business Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-simply-business/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [biBerk vs Simply Business Business Owner’s Policy](https://spot.insure/compare/biberk-vs-simply-business/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [biBerk vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/biberk-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line) # Simply Business vs THREE by Berkshire Hathaway: How Do They Compare for Business Owner’s Policy? THREE offers a Business Owners Policy quote online and says licensed Small Business Advisors can help. ## How to Use the Simply Business vs THREE by Berkshire Hathaway Business Owner’s Policy Comparison Use this comparison to evaluate Simply Business and THREE by Berkshire Hathaway for Business Owner’s Policy 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. ## Simply Business vs THREE by Berkshire Hathaway Business Owner’s Policy Summary THREE offers a Business Owners Policy quote online and says licensed Small Business Advisors can help. THREE’s sample policy names Berkshire Hathaway Direct Insurance Company as issuer, but that sample does not prove the insurer on your quote. [3](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") [4](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") ## Simply Business: Online Small-Business Insurance Marketplace Simply Business describes a digital marketplace and licensed-producer service for small businesses. The policy and selected insurer determine coverage, fees, servicing and claims responsibilities. [1](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [2](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [Simply Business profile](https://spot.insure/insurance-providers/simply-business) ## 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. [4](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [5](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 a Business Owner’s Policy? A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. [7](https://content.naic.org/consumer/small-business.htm "Small Business") [8](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy "Business Interruption and Business Owner Policy") ## What Are the Key Differences Between Simply Business and THREE by Berkshire Hathaway Business Owner’s Policy? ### Coverage and Fit THREE offers a Business Owners Policy quote online and says licensed Small Business Advisors can help. Simply Business asks applicants to enter business details and review marketplace offers. Compare the advisor-supported application with the marketplace flow, and request the exact coverage summary from either carrier before binding. [4](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [3](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") ### Buying and Terms THREE’s sample policy names Berkshire Hathaway Direct Insurance Company as issuer, but that sample does not prove the insurer on your quote. Simply Business says its issuing carrier varies by placement and binding needs panel approval. Check the proposed declarations for the actual insurer and approval status. [4](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [3](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") ## What Should You Confirm in Simply Business and THREE by Berkshire Hathaway Business Owner’s Policy Quotes? - Ask Simply Business which insurer’s policy will be quoted, and obtain the schedule, valuation method, deductible, exclusions, and binding requirements. [3](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") - Ask THREE by Berkshire Hathaway to identify the issuing insurer and show the exact limits, covered causes, and any endorsements or exclusions on the proposed policy. [4](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") ## Simply Business vs THREE by Berkshire Hathaway Business Owner’s Policy Compared | Criteria | Business owner’s policy (BOP) through Simply Business | THREE Business Owners Policy | | --- | --- | --- | | Role in This Line | Confirm in your quote. | THREE presents its Business Owners Policy as a combined product containing multiple business coverage categories. [6](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 | Confirm in your quote. | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [5](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 | Confirm in your quote. | The reviewed product page does not state separate eligibility rules for Business Owners Policy; the general quote and advisor route is not proof that a particular business qualifies for it. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [4](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 | Simply Business describes a BOP as a package that typically combines general liability and property coverage and discusses business-interruption protection. Exact covered property, interruption triggers and exclusions depend on the issued form. [3](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") (Evidence: Company-reported; scope: Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..)

The company says a standard BOP does not include workers’ compensation or professional liability by default; professional liability may be added in some cases. Check the selected policy and endorsements. [3](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") (Evidence: Company-reported; scope: Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) | THREE labels its combined product a Business Owners Policy and describes multiple business coverages in one policy. The reviewed product page does not establish the exact protections included in a particular quote or issued contract. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Company's description of the U.S. packaged product; a product name is not a policy entitlement. The buyer's state-specific quote, declarations, and forms control..) | | Limits and Retentions | Confirm in your quote. | The reviewed public product page does not state a separate limit or deductible for Business Owners Policy; THREE says the quote-specific insurance summary lists limits and deductibles. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](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..) | | How to Apply | The page describes entering business details and reviewing available quotes through the marketplace. The Terms say coverage and quote availability vary by state, insurer and business, and binding needs panel-member approval. [3](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") [2](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. [4](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 Business Owners Policy will be offered for a particular business or whether a customer can bind that line without an issued policy..) | ## Related Pages for Simply Business vs THREE by Berkshire Hathaway - [Simply Business vs THREE by Berkshire Hathaway](https://spot.insure/compare/simply-business-vs-three): all coverage lines, business roles, service and claims. - [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy): A business owners policy combines property, liability and lost-income protection for eligible small businesses, while auto, workers’ compensation and professional liability may need separate coverage. - [Simply Business vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/simply-business-vs-three/commercial-property) - [Simply Business vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/simply-business-vs-three/cyber) - [Simply Business vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/simply-business-vs-three/general-liability) - [Simply Business vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/simply-business-vs-three/inland-marine) - [Simply Business vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/simply-business-vs-three/professional-errors-omissions) - [Simply Business vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/simply-business-vs-three/workers-compensation) - [Alliance Risk vs Simply Business Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-simply-business/business-owners-policy) - [Alliance Risk vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-three/business-owners-policy) - [Amelia Risk vs Simply Business Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-simply-business/business-owners-policy) - [Amelia Risk vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-three/business-owners-policy) - [biBerk vs Simply Business Business Owner’s Policy](https://spot.insure/compare/biberk-vs-simply-business/business-owners-policy) - [biBerk vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/biberk-vs-three/business-owners-policy) ## Sources for Simply Business vs THREE by Berkshire Hathaway ### Sources About Simply Business 1. [Our Small Business Insurance Story](https://www.simplybusiness.com/about-us/). Simply Business; Opening description and audience; digital marketplace, business types and U.S. service.. Accessed 2026-09-29. 2. [Terms of Service](https://www.simplybusiness.com/terms-conditions/). Simply Business; Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211.. Accessed 2026-09-29. 3. [Business Owner’s Policy Insurance](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/). Simply Business; Bundle lines 34–38, 218–243; add-on/exclusion discussion lines 226–243; buyer and quote sections.. Accessed 2026-09-29. ### Sources About THREE by Berkshire Hathaway 4. [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. 5. [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. 6. [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. ### Sources for the Business Owner’s Policy Guide 7. [Small Business](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; FAQ: What’s a business owners policy?; What’s general liability insurance. Accessed 2026-09-16. 8. [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy). National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. 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. ## Simply Business Review Scores for 2026 Review Score: 5.7 / 10 from 4 rated sources, equally weighted. Customers disagree about Simply Business. Trustpilot shows 4.3 out of 5 from 1,901 reviews, but BBB customers give it 1.95 from 20 reviews and ConsumerAffairs shows 1.0. - Trustpilot: TrustScore 4.3 (out of 5); 1901 reviews. Simply Business US Trustpilot profile. Reviews are not tied to a specific insurance line or insurer. Period: profile accessed 2026-09-29; 419 in last 12 months. Checked 2026-09-29. [Simply Business US Reviews](https://www.trustpilot.com/review/simplybusiness.com) - ConsumerAffairs: ConsumerAffairs header rating 1.0 (out of 5 (breakdown conflicts with review filters)); 148 reviews. ConsumerAffairs Simply Business page, broad business-insurance context; not line-specific. Period: page updated 2026-09-17; denominator unresolved. Checked 2026-09-29. [Simply Business Reviews](https://www.consumeraffairs.com/insurance/simply-business.html) - BBB: BBB business grade B+ (BBB letter grade). BBB profile classifies Simply Business as an insurance agency; business grade, consumer-review average and complaint ledger are separate measures, none is line-specific. Period: profile accessed 2026-09-29. Checked 2026-09-29. [Simply Business BBB Business Profile](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591); [Simply Business BBB Complaints](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/complaints); [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews) - BBB: BBB customer review average 1.95 (out of 5); 20 reviews. BBB customer-review average for the Simply Business profile (Boston, MA). Separate from the business grade. Period: BBB review page checked 2026-09-29. Checked 2026-09-29. [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/simply-business/reviews). ## THREE by Berkshire Hathaway Review Scores for 2026 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/simply-business-vs-three/business-owners-policy.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)