Simply Business vs 
THREE by Berkshire Hathaway: How Do They Compare for Inland Marine Insurance?
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. 1,2
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. 4,5
Read the THREE by Berkshire Hathaway profile
Read the THREE by Berkshire Hathaway Inland Marine Insurance page
What Is Inland Marine Insurance?
If your business moves equipment between sites or ships goods, inland marine can cover those property exposures; installation and other forms address different property categories. Match the quote to what you own, rent or hold for others. 7,8
Key Differences in Inland Marine Insurance
Standalone coverage or BOP component
THREE presents inland marine as a component of its Business Owners Policy, rather than identifying it as a standalone product on the reviewed page. Simply Business describes inland marine for equipment and inventory in transit or stored off premises, but does not establish whether a particular offer is bundled. Ask for an itemized list of coverage parts and limits before comparing a package with a separate policy. 6 3
Online quote and issuer
THREE offers an online quote with help from licensed Small Business Advisors; its sample policy names Berkshire Hathaway Direct Insurance Company. Simply Business also starts online but compares panel insurers, and its reviewed record does not name the carrier for a future offer. Confirm the issuing insurer on the declarations and check whether inland marine appears there. 5 2
What to Confirm in Inland Marine Insurance Quotes
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.
Simply Business
Review Score
4 rated sources
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.[6][10][7]
Read Simply Business 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 reviewsOffering Details
Simply Business vs THREE by Berkshire Hathaway: Inland Marine Insurance: documented features by provider
| Criteria | Inland-marine insurance through Simply Business | THREE Business Owners Policy |
|---|---|---|
| Role in This Line | Confirm in your quote. | THREE presents Inland Marine 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. |
| Issuing Insurer | Confirm in your quote. | 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. |
| Who It’s For | The company gives contractors with tools, photographers with cameras and mobile groomers with equipment as examples of potential inland-marine buyers. Those examples do not guarantee eligibility. 3Company-reported. Company-published inland-marine information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. | The reviewed product page does not state separate eligibility rules for Inland Marine; 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. |
| Coverage Features | Simply Business describes inland-marine coverage for equipment and inventory in transit or stored away from the business premises; policy wording controls covered causes, limits and conditions. 3Company-reported. Company-published inland-marine information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. | THREE's Business Owners Policy page lists Inland Marine 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 Inland Marine. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy. |
| Limits and Retentions | Confirm in your quote. | The reviewed public product page does not state a separate limit or deductible for Inland Marine; 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. |
| How to Apply | The page describes an online quote form and comparison of insurer quotes, with customization discussed as part of the quote process. Availability depends on state, buyer and insurer; the site Terms do not guarantee a quote or binding. 3,2Company-reported. Company-published inland-marine 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. 4Company-reported. This is the route for the overall THREE product. It does not show whether Inland Marine will be offered for a particular business or whether a customer can bind that line without an issued policy. |
Full Comparison
More Simply Business vs THREE by Berkshire Hathaway Comparisons
Other Inland Marine Insurance Comparisons
Sources
Simply Business
- Our Small Business Insurance Story. Simply Business; Opening description and audience; digital marketplace, business types and U.S. service. Accessed 2026-09-29.
- Terms of Service. 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.
- Inland Marine Insurance. Simply Business; Equipment/inventory lines 15–18, 59–63; examples and quote workflow lines 97–140, 168–191. Accessed 2026-09-29.
THREE by Berkshire Hathaway
- Jargon-free small business insurance - THREE by Berkshire Hathaway. 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.
- The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway. 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.
- Business Owners Policy - THREE by Berkshire Hathaway. 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.
Inland Marine Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery. Accessed 2026-09-16.
- Inland Marine Policy: Contractors’ Equipment. Markel American Insurance Company / American Association of Insurance Services; hosted by Florida Department of Management Services; PDF p.8 declarations; attached Contractors’ Equipment printed pp.1–13 (PDF pp.18–30); replacement-cost endorsement PDF p.34. Accessed 2026-09-16.
