---
title: "Simply Business vs THREE by Berkshire Hathaway: Inland Marine Insurance"
description: "Simply Business describes inland-marine coverage for equipment or inventory away from premises; THREE lists inland marine as part of its Business Owners Policy."
canonical: "https://spot.insure/compare/simply-business-vs-three/inland-marine"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "simply-business-vs-three"
provider-a: "simply-business"
provider-b: "three"
coverage-line: "inland-marine"
---

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[Human-readable page](https://spot.insure/compare/simply-business-vs-three/inland-marine)

## Agent Guide

**What this page is:** Focused comparison of Simply Business and THREE by Berkshire Hathaway for Inland Marine 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 Inland Marine Insurance 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 Inland Marine Insurance: how do they differ?
- Which is better for Inland Marine Insurance, Simply Business or THREE by Berkshire Hathaway?
- What does Simply Business or THREE by Berkshire Hathaway publish about Inland Marine Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Inland Marine Insurance from Simply Business or THREE by Berkshire Hathaway?

**Key facts:**
- Line: Inland Marine Insurance. 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
- [Inland Marine Insurance guide](https://spot.insure/coverage/inland-marine) — 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 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 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)
- [AIG vs Simply Business Inland Marine Insurance](https://spot.insure/compare/aig-vs-simply-business/inland-marine) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/aig-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Simply Business Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-simply-business/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Simply Business Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-simply-business/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line)

# Simply Business vs THREE by Berkshire Hathaway: How Do They Compare for Inland Marine Insurance?

Simply Business describes inland-marine coverage for equipment or inventory away from premises; THREE lists inland marine as part of its Business Owners Policy.

## Research Scope and Use

Use this comparison to evaluate Simply Business and THREE by Berkshire Hathaway for Inland Marine 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

THREE’s product page presents inland marine within a combined BOP rather than a separate standalone policy. Simply Business compares insurer quotes online, so buyers should establish which other property coverages are bundled. [3](https://www.simplybusiness.com/business-insurance/inland-marine-insurance/ "Inland Marine Insurance") [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - 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 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](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [8](https://www.dms.myflorida.com/content/download/132333/823484/SoF_Policy_CE_17-18_UM00056635MA17A.pdf "Inland Marine Policy: Contractors’ Equipment")

## 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [3](https://www.simplybusiness.com/business-insurance/inland-marine-insurance/ "Inland Marine Insurance")

### 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](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") [2](https://www.simplybusiness.com/terms-conditions/ "Terms of Service")

## What to Confirm in Inland Marine Insurance Quotes

- Ask THREE whether the quote includes inland marine within the BOP and which property schedule and limit apply. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")
- Ask Simply Business which insurer is proposed, whether the line is packaged, and how transit and off-site storage are treated. [2](https://www.simplybusiness.com/terms-conditions/ "Terms of Service")

## Offering Details

| 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. [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 | 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. [3](https://www.simplybusiness.com/business-insurance/inland-marine-insurance/ "Inland Marine Insurance") (Evidence: Company-reported; scope: 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](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 inland-marine coverage for equipment and inventory in transit or stored away from the business premises; policy wording controls covered causes, limits and conditions. [3](https://www.simplybusiness.com/business-insurance/inland-marine-insurance/ "Inland Marine Insurance") (Evidence: Company-reported; scope: 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](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: 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](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 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](https://www.simplybusiness.com/business-insurance/inland-marine-insurance/ "Inland Marine Insurance") [2](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: 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. [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 Inland Marine will be offered for a particular business or whether a customer can bind that line without an issued policy..) |

## Full Comparison

- [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 Inland Marine Insurance?](https://spot.insure/coverage/inland-marine): Inland marine covers specialized property exposures such as equipment moved between sites, installed property and goods in transit; the quote must match what you own or hold.
- [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 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)
- [AIG vs Simply Business Inland Marine Insurance](https://spot.insure/compare/aig-vs-simply-business/inland-marine)
- [AIG vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/aig-vs-three/inland-marine)
- [Alliance Risk vs Simply Business Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-simply-business/inland-marine)
- [Alliance Risk vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-three/inland-marine)
- [Berkshire Hathaway Specialty Insurance vs Simply Business Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-simply-business/inland-marine)
- [Berkshire Hathaway Specialty Insurance vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three/inland-marine)

## Sources

### 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. [Inland Marine Insurance](https://www.simplybusiness.com/business-insurance/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

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.

### Inland Marine Insurance Guide

7. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery. Accessed 2026-09-16.
8. [Inland Marine Policy: Contractors’ Equipment](https://www.dms.myflorida.com/content/download/132333/823484/SoF_Policy_CE_17-18_UM00056635MA17A.pdf). 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.

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 Reviews

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 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/simply-business-vs-three/inland-marine.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)