TechInsurance vs 
THREE by Berkshire Hathaway
TechInsurance combines a small-business comparison application with licensed-agent guidance and online policy management; THREE offers its own online quote and product. Compare TechInsurance when you want quotes from multiple insurers with THREE when considering its specific commercial product. 2,3,7,13,22
Introduction
Coverage Comparison
| Coverage | TechInsurance | THREE by Berkshire Hathaway |
|---|---|---|
| Business owner’s policy | Listed 6TechInsurance arranges business owner’s policies for small businesses. | Listed 22,14Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Commercial auto | Listed 1TechInsurance arranges commercial auto insurance for small businesses. | Listed 22,14Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Commercial property | Listed 6TechInsurance arranges commercial property insurance for small businesses. | Listed 22,14Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Cyber liability | Listed 6TechInsurance arranges cyber insurance for small businesses. | Listed 22,14Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Directors and officers | Listed 6TechInsurance arranges directors and officers liability insurance for small businesses. | Listed 22Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Employment practices liability | Listed 6TechInsurance arranges employment practices liability insurance for small businesses. | 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. |
| Fidelity bonds | Listed 6TechInsurance arranges fidelity bonds addressing employee theft from clients. | Not listed |
| Fiduciary liability | Not listed | Listed 22Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| General liability | Listed 6TechInsurance arranges general liability insurance for small businesses. | Listed 22,14Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| 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) | Listed 6TechInsurance arranges professional errors and omissions insurance for small businesses. | Listed 22Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Surety bonds | Listed 3TechInsurance arranges surety bonds for small businesses. | Not listed |
| Technology errors and omissions (E&O) | Listed 7TechInsurance arranges technology errors and omissions and cyber coverage for technology businesses. | Not listed |
| Tools, equipment and inland marine | Listed 8TechInsurance arranges inland marine coverage for contractors’ tools and equipment. | Listed 22Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. |
| Umbrella and excess liability | Listed 6TechInsurance arranges commercial umbrella insurance for small businesses. | Not listed |
| Workers’ compensation | Listed 6TechInsurance arranges workers’ compensation insurance for small businesses. | 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.
TechInsurance
BrokerBroker
5.0/ 10Assessed provider: TechInsurance. Scope: TechInsurance as a division/brand of Specialty Program Group LLC, doing business as SPG Insurance Solutions, for small-business and technology insurance distribution. It is not treated as a carrier; exact issuer and program vary by policy, product and state.
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.
TechInsurance
Review Score
2 rated sources
TechInsurance’s available ratings are favorable, with praise for broker guidance. The feedback supports its shopping service more than any particular insurer’s claims handling.[4][5]
Read TechInsurance 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 TechInsurance and THREE
Business Roles and Access to Insurers
TechInsurance’s documented role shapes who handles underwriting and how you reach a policy.
Small businesses can use TechInsurance to compare quotes and work with agents; it operates as an agency and brokerage. Its legal disclosure identifies it as a division of Specialty Program Group LLC, doing business in California as SPG Insurance Solutions. 3,9,10Company-reported. Brand and disclosed producer entity; company sources, not independent regulatory 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.
TechInsurance markets to small businesses, including startups and freelancers, with a technology focus spanning software developers, SaaS companies, IT consultants and managed service providers. Its catalogue also serves traditional industries. 8,7Company-reported. Marketed customer groups, not acceptance criteria or proof of growth-stage capacity.
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. 3 2 7 13 13 22
TechInsurance describes a single application for comparing multiple insurance quotes, followed by policy purchase and online coverage management, with licensed-agent guidance available. 2Company-reported. Public application description; no application submitted or quote obtained.
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
Ask TechInsurance which insurers returned options and whether the same limits and exclusions were compared. Ask THREE for its issuing insurer and policy forms before comparing premiums. 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 | TechInsurance | THREE by Berkshire Hathaway |
|---|---|---|
| Business role | Small businesses can use TechInsurance to compare quotes and work with agents; it operates as an agency and brokerage. Its legal disclosure identifies it as a division of Specialty Program Group LLC, doing business in California as SPG Insurance Solutions. 3,9,10Company-reported. Brand and disclosed producer entity; company sources, not independent regulatory verification. TechInsurance describes itself as part of Insureon and HUB International. Its history says HUB acquired Insureon’s digital agency in 2022 while Bold Penguin acquired the technology platform; HUB’s acquisition announcement placed the agency operations within Specialty Program Group. 2,3,12Company-reported. Current company relationship descriptions plus historical acquisition announcement; does not make HUB or Bold Penguin the policy insurer. | 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 | TechInsurance markets to small businesses, including startups and freelancers, with a technology focus spanning software developers, SaaS companies, IT consultants and managed service providers. Its catalogue also serves traditional industries. 8,7Company-reported. Marketed customer groups, not acceptance criteria or proof of growth-stage capacity. | 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 | TechInsurance describes a single application for comparing multiple insurance quotes, followed by policy purchase and online coverage management, with licensed-agent guidance available. 2Company-reported. Public application description; no application submitted or quote obtained. TechInsurance’s account instructions warn that quotes may take time to appear after an application is submitted; an application is not confirmation of bound coverage. 3Company-reported. Public quote-account instructions; no universal turnaround time established. | 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
TechInsurance Official Website
- Technology Business Insurance. TechInsurance; Top business insurance policies (including the Commercial auto insurance card); proof of insurance and expert advice; footer. Accessed 2026-09-16.
- About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
- Contact Us. TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
- Insurance Licensing. TechInsurance; Where we are licensed; California entry; footer legal entity. Accessed 2026-09-16.
- Small Business Insurance in California. TechInsurance; Find California business insurance in three easy steps; recommended policies and Get Quotes controls. Accessed 2026-09-16.
- Small Business Insurance. TechInsurance; Top recommended small business insurance policies; Specialized coverage for unique risks. Accessed 2026-09-16.
- Technology Errors and Omissions – Tech E&O Insurance. TechInsurance; Tech E&O insurance includes two policies; quotation form; Technology professionals we insure. Accessed 2026-09-16.
- Our Insurance Partners. TechInsurance; Named provider sections; More key policies our dedicated providers offer (including Contractor’s tools and equipment insurance); Professions we insure. Accessed 2026-09-16.
- Compensation Disclosure Notice. TechInsurance; TechInsurance business practices and link to SPG disclosure. Accessed 2026-09-16.
- Compensation Disclosure. Specialty Program Group; Commission Income; Contingency Income; Fees Paid by Clients; Customer Centric Carriers; footer. Accessed 2026-09-16.
- How Do I File a Business Insurance Claim? TechInsurance; Opening carrier-contact instruction; property and liability claim sections and TechInsurance agent assistance. Accessed 2026-09-16.
- Hub International and Bold Penguin to Acquire Insureon. HUB International; March 1, 2022 announcement; agency/platform split; Insureon operations within SPG. 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.
