TechInsurance vs THREE by Berkshire Hathaway: How Do They Compare for Inland Marine Insurance?

TechInsurance arranges inland marine insurance, also called tools and equipment insurance, as a form of property coverage sold as an add-on to another property policy such as a business owner's policy or commercial package policy, not as a standalone product. ⁴Company-reported. Inland marine product page.

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. ⁷Company-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.

The reviewed page does not name the issuing insurer for an inland marine policy. ⁴Not publicly disclosed. Inland marine product page as read on 2026-09-23.

The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. ⁶Company-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.

TechInsurance targets inland marine coverage at businesses that ship property, transport high-value equipment, take tools to worksites, or store property off-site, naming construction contractors, photographers, cleaning services and IT professionals as example segments. ⁴Company-reported. Inland marine product page, Who needs inland marine insurance coverage? section.

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. ^7,5Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms.

TechInsurance says inland marine coverage protects business property in transit or off-site storage, client property temporarily in the business's care (bailee coverage), equipment installed in a fixed but movable location such as a service truck, and high-value items that standard commercial property policies may exclude. ⁴Company-reported. Inland marine product page; general policy description, not a specific policy form.

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. ^7,6Company-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.

TechInsurance says its inland marine customers pay a median of $48 per month, with annual premiums ranging from about $150 to more than $4,500 depending on the value and type of insured property, coverage limits and deductible chosen, location, claims history and industry risk. ⁴Company-reported. Inland marine product page cost section; a company-reported median and range from TechInsurance's own book of business, not a published rate table.

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. ^7,6Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible.

TechInsurance says you can add inland marine coverage to a business owner's policy or commercial package policy through its online application, and typically get a certificate of insurance within 24 hours after purchase. ⁴Company-reported. Inland marine product page, How do you purchase inland marine insurance? section.

THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. ⁵Company-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.