THREE by Berkshire Hathaway vs 
Travelers: How Do They Compare for Business Owner’s Policy?
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. 1,2
Read the THREE by Berkshire Hathaway profile
Read the THREE by Berkshire Hathaway Business Owner’s Policy page
What Is Travelers Insurance?
Travelers suits technology companies that want CyberRisk Tech and can work through an independent agent; buyers seeking a direct online technology quote should compare digital providers. Many small accounts can be quoted in agent platforms, while specialty risks need underwriting. 4,5,6
What Is a Business Owner’s Policy?
A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. 8,9
Key Differences in Business Owner’s Policy
Technology-specific bundle
Travelers describes a Technology Services BOP for small technology-service businesses, including IT consultants, software and web developers, repair firms, data processors, and web hosts. It says the bundle combines property, general liability, business income and extra expense, cyber liability, and errors-and-omissions coverage. THREE also markets a combined BOP, but its reviewed product page does not name a technology segment or these specific protections. A technology buyer should compare Travelers’ named bundle with the precise lines included in THREE’s quote. 7 3
Endorsements and purchase channel
Travelers offers the Xtend endorsement with 15 liability enhancements, Employment Practices Liability+, and World Business Essentials for some overseas travel; buyers work through an independent agent rather than a self-service quote. THREE offers an online quote and licensed advisor help, with a sample policy naming Berkshire Hathaway Direct Insurance Company as issuer. The purchase paths give different starting points, while both require checking the actual forms. 7 1 2
What to Confirm in Business Owner’s Policy 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.
THREE 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 reviewsTravelers
Review Score
3 rated sources
Travelers earns 4.5/5 from NerdWallet, but customer feedback is poor: 1.4/5 on Trustpilot and 1.3/5 for homeowners on ConsumerAffairs. Those reviews mostly concern personal insurance.[1][2][4][5][6][7]
Read Travelers reviewsOffering Details
THREE by Berkshire Hathaway vs Travelers: Business Owner’s Policy: documented features by provider
| Criteria | THREE Business Owners Policy | Technology Services Business Owner's Policy |
|---|---|---|
| Role in This Line | THREE presents its Business Owners Policy as a combined product containing multiple business coverage categories. 3Company-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. | Travelers packages this line as a Technology Services Business Owner's Policy (BOP) that bundles property insurance with liability insurance into a single policy for small technology-services businesses. 7Company-reported. Small Business Technology Services Insurance page as read on 2026-09-23. |
| Issuing Insurer | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. 2Company-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 Small Business Technology Services Insurance page does not name the specific Travelers entity that issues this BOP; the issuing company is disclosed on the policy itself. 7Not found in reviewed sources. Page checked on 2026-09-23; no underwriting-entity footer was present on this page. |
| Who It’s For | The reviewed product page does not state separate eligibility rules for Business Owners Policy; the general quote and advisor route is not proof that a particular business qualifies for it. 3,1Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms. | Travelers markets this BOP to small businesses providing technology services, including computer installation and repair, data processing services, internet service providers, IT consultants and schools, software development, web development and design, and web hosting. 7Company-reported. "Who is small business technology services insurance right for?" section. |
| Coverage Features | THREE labels its combined product a Business Owners Policy and describes multiple business coverages in one policy. The reviewed product page does not establish the exact protections included in a particular quote or issued contract. 3,2Company-reported. Company's description of the U.S. packaged product; a product name is not a policy entitlement. The buyer's state-specific quote, declarations, and forms control. | Travelers says the Technology Services BOP includes property coverage, general liability, business income and extra expense coverage, and cyber liability and errors & omissions coverage, bundled into one policy. 7Company-reported. BOP description on the Small Business Technology Services Insurance page. Travelers offers optional add-ons for this BOP: the Xtend Endorsement, which it describes as 15 general liability coverage enhancements including a blanket waiver of subrogation; Employment Practices Liability+ (EPL+) for claims like discrimination or wrongful termination; and World Business Essentials, which extends some property and liability coverage for periodic overseas travel. 7Company-reported. "Customize your business policy with these add-ons" section. |
| Limits and Retentions | The reviewed public product page does not state a separate limit or deductible for Business Owners Policy; THREE says the quote-specific insurance summary lists limits and deductibles. 3,2Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible. | The page does not publish specific coverage limits, deductibles or sublimits for the Technology Services BOP or its add-ons; those figures appear on the quote and declarations. 7Not found in reviewed sources. Page checked on 2026-09-23. |
| How to Apply | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. 1Company-reported. This is the route for the overall THREE product. It does not show whether Business Owners Policy will be offered for a particular business or whether a customer can bind that line without an issued policy. | Travelers directs buyers to an independent insurance agent to tailor and purchase this BOP; the page does not offer a direct self-service online quote or bind path. 7Company-reported. "Find an insurance agent" call-to-action on the technology-services page. |
Full Comparison
More THREE by Berkshire Hathaway vs Travelers Comparisons
Other Business Owner’s Policy Comparisons
Sources
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.
Travelers
- Technology Insurance. Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
- Travelers Producer Compensation Disclosure (United States). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
- Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
- Small Business Technology Services Insurance. Travelers; Technology services business owner's policy (BOP) section; Who is small business technology services insurance right for?; Customize your business policy with these add-ons; Find an insurance agent CTA. Accessed 2026-09-23.
Business Owner’s Policy Guide
- Small Business. National Association of Insurance Commissioners; FAQ: What’s a business owners policy?; What’s general liability insurance. Accessed 2026-09-16.
- Business Interruption and Business Owner Policy. National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.
