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

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. 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 underwrites commercial property insurance as a standalone policy or packaged with other coverage, with separate product tiers for small, midsized, and large or specialty businesses. ⁷Company-reported. Product page tier descriptions.

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.

Confirm in your quote.

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. ^3,1Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms.

Travelers offers small business property coverage bundled into its Business Owner's Policy for classes such as contractors, healthcare, retail, restaurants and technology services, Travelers Deluxe and OMNI for midsized businesses, and Customized Property Coverage for large, specialized or high-value risks. ⁷Company-reported. Product page small, midsized and large/specialty business sections.

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. ^3,2Company-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.

Travelers says the policy covers a company's buildings, office equipment, furniture, fixtures, inventory and lost business income from events such as fire, explosion, storms, theft and vandalism, with additional coverage often available for floods, earthquakes and equipment breakdown. ⁷Company-reported. Product page "What does commercial property insurance cover?" FAQ; actual inclusions and exclusions are set by the issued policy.

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. ^3,2Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible.

Travelers says its excess property market typically attaches at $1,000,000 or greater; standard-tier limits and deductibles are not published and depend on the quote. ⁷Company-reported. Product page "Excess property market" section.

Confirm in your quote.

Travelers says property customers get access to Risk Control property specialists, an Under Deductible Subrogation service to pursue reimbursement for losses below the deductible, and wildfire mitigation discounts for qualifying properties. ⁷Company-reported. Product page Risk Control, Under Deductible Subrogation and wildfire mitigation sections.

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

Commercial property coverage is bought through a Travelers independent agent, who can help choose between replacement-cost and actual-cash-value coverage and confirm what a lease requires. ⁷Company-reported. Product page purchasing and lease-review FAQs.