The Hartford vs THREE by Berkshire Hathaway: How Do They Compare for Commercial Property Insurance?

The Hartford's commercial property insurance protects an owned or rented building plus the tools and equipment used to operate the business, and can be bought stand-alone or as part of a BOP. ⁴Company-reported. Commercial property product page as read 2026-09-23.

THREE presents Property 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.

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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.

The Hartford says any business that owns, rents or leases a building needs commercial property coverage, and names beauty salons, consultants, photographers, retail stores, restaurants and technology firms as common buyers; coverage also extends to leased or rented property, not just owned buildings. ⁴Company-reported. Commercial property product page as read 2026-09-23.

The reviewed product page does not state separate eligibility rules for Property; 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.

The Hartford says the policy covers losses from fire, burglary, theft, wind and lightning to a business's building, equipment, tools, inventory, furniture and personal property, and includes business interruption coverage for lost income during repairs. It explicitly excludes a customer dropping their own laptop, an employee's accidental interior damage to a client's property, vehicle accidents, and nearby flooding from a natural water source. ⁴Company-reported. Commercial property product page as read 2026-09-23. General coverage description; the issued policy controls.

THREE's Business Owners Policy page lists Property 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 Property. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy.

The Hartford's customers pay about $1,605 a year on average for commercial property insurance, and deductible amounts can range from a couple hundred to a few thousand dollars, chosen by the buyer; a higher deductible generally lowers the premium. ⁴Company-reported. Company-reported average and deductible range as of 2026-09-23; not a specific quote.

The reviewed public product page does not state a separate limit or deductible for Property; 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.

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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 Property will be offered for a particular business or whether a customer can bind that line without an issued policy.

The Hartford lets buyers file a commercial property claim online or by calling 800-327-3638. ⁴Company-reported. Commercial property product page as read 2026-09-23. Describes intake, not claim outcomes.

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