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 Equipment Breakdown Insurance 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 Equipment Breakdown Insurance?
Equipment-breakdown coverage can help repair covered machinery or building equipment after a mechanical or electrical failure. It fits businesses that depend on equipment to operate; check whether lost income, spoilage and utility failures are included. 8,9,10,11
What Are the Key Differences Between THREE by Berkshire Hathaway and Travelers Equipment Breakdown Insurance?
Named Products and Equipment Types
Travelers describes EnergyMax 21 for boilers, pressure vessels, business systems, and computer systems, and presents BoilerRE for businesses at different levels of familiarity with the coverage. THREE lists Equipment Breakdown among its BOP categories; its sample policy separately excludes some equipment that stops without an accident and does not show how a specific breakdown item changes that wording. A buyer with machinery or building systems should match the proposed coverage trigger against the equipment and loss scenario, rather than compare only the line names. 7 3 2
Intended Business Range
Travelers says EnergyMax 21 is designed for both Fortune 500 companies and small businesses and lists audiences that include municipalities, schools, government entities, and specialized manufacturers. THREE presents its BOP quote route for small businesses and lists Equipment Breakdown as a package category. A larger public entity or specialized manufacturer can ask Travelers which product fits its equipment, while a small-business applicant should confirm the exact line and equipment in its THREE quote. 7 1 3
What Should You Confirm in THREE by Berkshire Hathaway and Travelers Equipment Breakdown Insurance Quotes?
THREE by Berkshire Hathaway and Travelers Review Scores for 2026
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
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
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 reviewsTHREE by Berkshire Hathaway vs Travelers Equipment Breakdown Compared
THREE by Berkshire Hathaway vs Travelers: Equipment Breakdown Insurance: documented features by provider
| Criteria | THREE Business Owners Policy | Travelers Equipment Breakdown Insurance Coverage (EnergyMax 21) |
|---|---|---|
| Role in This Line | THREE presents Equipment Breakdown 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 equipment breakdown coverage primarily through its EnergyMax 21 package, and offers BoilerRE for businesses at any level of familiarity with the coverage. 7Company-reported. Product page EnergyMax 21 and BoilerRE sections. |
| 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. | Confirm in your quote. |
| Who It’s For | The reviewed product page does not state separate eligibility rules for Equipment Breakdown; 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 equipment breakdown coverage to Main Street businesses, real estate, small-to-mid-sized and heavy/specialized manufacturing, high-tech businesses, municipalities, schools and government entities, saying EnergyMax 21 is designed for both Fortune 500 companies and small businesses. 7Company-reported. Product page "Who is equipment breakdown insurance right for?" and EnergyMax 21 sections. |
| Coverage Features | THREE's Business Owners Policy page lists Equipment Breakdown, while its sample policy also excludes some machinery, equipment, or listed vehicles that stop without an accident. The public materials do not establish how an offered equipment-breakdown item changes that sample exclusion. 3,2Company-reported. Company marketing and the displayed sample policy only; the selected quote, state-specific forms, and endorsements determine whether a specific equipment breakdown loss is covered. | Travelers describes EnergyMax 21 as covering breakdowns of boilers and pressure vessels as well as sophisticated business and computer systems, calling it a package of coverages for "nearly every equipment loss scenario." 7Company-reported. Product page EnergyMax 21 section; exact terms and exclusions are set by the issued policy. |
| Limits and Retentions | The reviewed public product page does not state a separate limit or deductible for Equipment Breakdown; 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 reviewed page does not publish limits, deductibles or premiums for equipment breakdown coverage; amounts would appear on a quote or declarations. 7Not found in reviewed sources. Product page as read on 2026-09-23. |
| Risk Services | Confirm in your quote. | Travelers says equipment breakdown customers can draw on more than 600 Risk Control consultants, a dedicated Claim team, and Internet of Things (IoT) risk resources. 7Company-reported. Product page Risk Control, Claim and Internet of Things sections. |
| 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 Equipment Breakdown will be offered for a particular business or whether a customer can bind that line without an issued policy. | Equipment breakdown coverage is bought through a Travelers independent agent. 7Company-reported. Product page "Find an insurance agent" call to action. |
Related Pages for THREE by Berkshire Hathaway vs Travelers
Equipment Breakdown Pages for THREE by Berkshire Hathaway and Travelers
Other Coverage Lines Compared for THREE by Berkshire Hathaway vs Travelers
Other Equipment Breakdown Insurance Provider Comparisons
Sources for THREE by Berkshire Hathaway vs Travelers
Sources About 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.
Sources About 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.
- Equipment Breakdown Insurance Coverage. Travelers; EnergyMax 21; Who is equipment breakdown insurance right for?; BoilerRE; Public entities; National property. Accessed 2026-09-23.
Sources for the Equipment Breakdown Insurance Guide
- Understanding Commercial Package Policies. Insurance Information Institute; Available CPP additions: Equipment breakdown. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Boiler and Machinery; Commercial Property: Covered Causes of Loss; Commercial Property: Time Element; Inland Marine; Coverage Forms and/or Specialty Coverages. Accessed 2026-09-16.
- Equipment Breakdown. Travelers; Definition and equipment list. Accessed 2026-09-16.
- HSB TechAdvantage Equipment Breakdown Coverage Form. The Hartford Steam Boiler Inspection and Insurance Company; G.1 Accident, PDF p.17; A.2.a–c p.1; C.2 pp.8–9; C pp.8–9; D pp.9–10; E.10 Valuation, PDF pp.13–14; G.10–11 pp.18–19; A.2.n p.5 (Off Premises Equipment Breakdown); A.2.p pp.5–6; A.2.r p.6; G.18 p.20 (Interruption of Service). Accessed 2026-09-16.
