--- title: "THREE by Berkshire Hathaway vs USI Insurance Services: Commercial Property Insurance" description: "THREE places property inside its Business Owners Policy, while USI brokers separate property and business-income components for technology clients." canonical: "https://spot.insure/compare/three-vs-usi/commercial-property" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "three-vs-usi" provider-a: "three" provider-b: "usi" coverage-line: "commercial-property" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/three-vs-usi/commercial-property) ## Agent Guide **What this page is:** Focused comparison of THREE by Berkshire Hathaway and USI Insurance Services for Commercial Property Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Commercial Property Insurance questions about THREE by Berkshire Hathaway versus USI Insurance Services. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - THREE by Berkshire Hathaway vs USI Insurance Services for Commercial Property Insurance: how do they differ? - Which is better for Commercial Property Insurance, THREE by Berkshire Hathaway or USI Insurance Services? - What does THREE by Berkshire Hathaway or USI Insurance Services publish about Commercial Property Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Commercial Property Insurance from THREE by Berkshire Hathaway or USI Insurance Services? **Key facts:** - Line: Commercial Property Insurance. Providers: THREE by Berkshire Hathaway and USI Insurance Services. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [THREE by Berkshire Hathaway vs USI Insurance Services](https://spot.insure/compare/three-vs-usi) — parent: all coverage lines for this pair - [Commercial Property Insurance guide](https://spot.insure/coverage/commercial-property) — coverage explainer for this line - [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence) - [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) — provider profile (evidence) - [THREE by Berkshire Hathaway vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/three-vs-usi/fiduciary) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/three-vs-usi/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs USI Insurance Services Workers’ Compensation Insurance](https://spot.insure/compare/three-vs-usi/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/aig-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line) - [AIG vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/aig-vs-usi/commercial-property) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-usi/commercial-property) — sibling comparison (other line, or other pair for this line) - [Aon vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/aon-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line) - [Aon vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/aon-vs-usi/commercial-property) — sibling comparison (other line, or other pair for this line) # THREE by Berkshire Hathaway vs USI Insurance Services: How Do They Compare for Commercial Property Insurance? THREE places property inside its Business Owners Policy, while USI brokers separate property and business-income components for technology clients. ## Research Scope and Use Use this comparison to evaluate THREE by Berkshire Hathaway and USI Insurance Services for Commercial Property Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary THREE lists property as part of a combined Business Owners Policy; USI describes property, business income, and contingent business income as distinct placement components for technology companies. [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [7](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") ## 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](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) ## What Is USI Insurance Services? USI suits software and hardware companies from seed stage through IPO seeking consultative broker support; buyers wanting a self-serve quote should compare digital agencies. Insurer commissions are typical and contingent compensation may also apply. [4](https://www.usi.com/about-usi "The Power of ONE") [5](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [6](https://www.usi.com/commissions-fees/ "Commissions and Fees") [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) ## What Is Commercial Property Insurance? Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop "Business Interruption Insurance/Businessowner’s Policies (BOP)") [10](https://www.tdi.texas.gov/pubs/consumer/cb021.html "Commercial property insurance guide") ## Key Differences in Commercial Property Insurance ### Package versus separate components THREE lists Property within its Business Owners Policy, so a buyer receives it through the combined package rather than as a named standalone policy. USI’s Technology practice describes property, business income, and contingent business income as separate placement components. That distinction matters if you need to see property limits apart from interruption coverage or build a placement around technology operations. [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](https://www.usi.com/property-casualty/technology/ "Technology Insurance") THREE identifies Berkshire Hathaway Direct Insurance Company on its sample policy declarations, while USI acts as broker and does not name the carrier for a property placement. A THREE quote therefore gives you a named issuer example; a USI buyer needs the proposed insurer identified in the placement documents. [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") [7](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") ### Different routes to define the risk THREE sends small businesses through an online quote, with licensed Small Business Advisors available to help. USI directs commercial-property inquiries to a local office or its property and casualty team; for technology buyers it describes a practice spanning companies from seed stage through IPO. You can start with a digital package quote at THREE or discuss a broker-built property placement with USI. [1](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [5](https://www.usi.com/property-casualty/technology/ "Technology Insurance") Neither offering publishes a buyer-specific property limit or deductible in the reviewed claims: THREE points buyers to the quote summary, and USI says its pages do not state figures. Ask for building and contents limits, valuation basis, deductibles, and business-income amounts before comparing the two proposals. [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [7](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") ## What to Confirm in Commercial Property Insurance Quotes - For THREE, which property limits and deductibles appear in the quote summary, and how are business-income amounts shown? [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") - For USI, which insurer will issue the placement, and are property, business income, and contingent business income separate limits? [5](https://www.usi.com/property-casualty/technology/ "Technology Insurance") ## Offering Details | Criteria | THREE Business Owners Policy | USI Commercial Property Brokerage | | --- | --- | --- | | Role in This Line | 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. [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Company-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant..) | USI is a broker for commercial property insurance. Its property & casualty team places property coverage for clients rather than underwriting it, and its Technology practice separately places property, business-income and contingent business-income coverage for technology clients. [7](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [5](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: Property & Casualty and Technology practice pages..) | | Issuing Insurer | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: 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..) | Neither page names the insurers USI uses for commercial property placements. [7](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") (Evidence: Not publicly disclosed; scope: Pages as read on 2026-09-23..) | | Who It’s For | 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [1](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms..) | USI's property & casualty team describes serving middle-market clients across many named industries (including construction, hospitality, real estate and manufacturing-adjacent sectors), while its Technology practice specifically serves software, hardware, networking, semiconductor and communications companies from early seed stage through IPO. [7](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [5](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: Company description of client segments for each practice..) | | Coverage Features | 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: 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..) | USI's Technology practice itemizes property, business income and contingent business income as distinct placement components; its broader property & casualty team lists "Property Coverage" among the risk exposures it advises on. [5](https://www.usi.com/property-casualty/technology/ "Technology Insurance") [7](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") (Evidence: Company-reported; scope: Practice pages' coverage lists; actual insuring agreements, valuation basis 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 Property; THREE says the quote-specific insurance summary lists limits and deductibles. [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible..) | Neither page publishes property limit, deductible or valuation figures. [7](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") (Evidence: Not publicly disclosed; scope: Pages as read on 2026-09-23..) | | Risk Services | Confirm in your quote. | USI says its property & casualty resource team includes dedicated property analysts and risk control specialists who use its USI ONE analytics process to identify and target property risk exposures. [7](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") (Evidence: Company-reported; scope: Company description of team composition and process; outcomes are not independently verified..) | | How to Apply | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. [1](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: 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..) | USI directs commercial property inquiries to pcinquiries@usi.com or a local USI office. [7](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [5](https://www.usi.com/property-casualty/technology/ "Technology Insurance") (Evidence: Company-reported; scope: Contact instructions on the Property & Casualty and Technology pages..) | ## Full Comparison - [THREE by Berkshire Hathaway vs USI Insurance Services](https://spot.insure/compare/three-vs-usi): all coverage lines, business roles, service and claims. - [What Is Commercial Property Insurance?](https://spot.insure/coverage/commercial-property): Commercial property insurance can protect buildings, equipment and inventory, while valuation, deductibles, exclusions and income protection affect your cost after a loss. - [THREE by Berkshire Hathaway vs USI Insurance Services Fiduciary Liability Insurance](https://spot.insure/compare/three-vs-usi/fiduciary) - [THREE by Berkshire Hathaway vs USI Insurance Services Professional Liability (E&O) Insurance](https://spot.insure/compare/three-vs-usi/professional-errors-omissions) - [THREE by Berkshire Hathaway vs USI Insurance Services Workers’ Compensation Insurance](https://spot.insure/compare/three-vs-usi/workers-compensation) - [AIG vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/aig-vs-three/commercial-property) - [AIG vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/aig-vs-usi/commercial-property) - [Alliance Risk vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-property) - [Alliance Risk vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-usi/commercial-property) - [Aon vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/aon-vs-three/commercial-property) - [Aon vs USI Insurance Services Commercial Property Insurance](https://spot.insure/compare/aon-vs-usi/commercial-property) ## Sources ### THREE by Berkshire Hathaway 1. [Jargon-free small business insurance - THREE by Berkshire Hathaway](https://threeinsurance.com/). 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. 2. [The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway](https://threeinsurance.com/the-policy). 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. 3. [Business Owners Policy - THREE by Berkshire Hathaway](https://threeinsurance.com/business-owners-policy). 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. ### USI Insurance Services 4. [The Power of ONE](https://www.usi.com/about-usi). USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16. 5. [Technology Insurance](https://www.usi.com/property-casualty/technology/). USI Insurance Services; USI's Technology Practice provides risk management advisory and insurance placement for: Property, Business Income and Contingent Business Income.... Accessed 2026-09-23. 6. [Commissions and Fees](https://www.usi.com/commissions-fees/). USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16. 7. [P&C Insurance and Risk Consulting](https://www.usi.com/property-casualty). USI Insurance Services; risk management and insurance advice on broad risk exposures such as...Property Coverage...; property analysts...risk control specialists.... Accessed 2026-09-23. ### Commercial Property Insurance Guide 8. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; What Should I Expect from a Broker-Agent; Commercial Property: Coverage Sections, Limits of Insurance, and Coinsurance; Covered Causes of Loss; Valuation Types; Inland Marine. Accessed 2026-09-16. 9. [Business Interruption Insurance/Businessowner’s Policies (BOP)](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16. 10. [Commercial property insurance guide](https://www.tdi.texas.gov/pubs/consumer/cb021.html). Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your insurance. Accessed 2026-09-16. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## THREE by Berkshire Hathaway Reviews Review Score: 7.3 / 10 from 2 rated sources, equally weighted. 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. - NerdWallet: NerdWallet editorial rating 4.0 (5 stars). NerdWallet editorial evaluation of THREE commercial insurance; updated May 11, 2026. Its methodology score is an editorial rating, not an average of consumer reviews or a claims study. Period: Updated 2026-05-11. Checked 2026-09-29. [Three Insurance review | NerdWallet](https://www.nerdwallet.com/business/insurance/learn/three-insurance) - Trustpilot: TrustScore 2.5 (5 stars); 5 reviews. Trustpilot page for threeinsurance.com checked 2026-09-29. Five user-posted reviews, one in prior 12 months; small self-selected population, review provenance not independently verified. Period: Displayed 2026-09-29. Checked 2026-09-29. [THREE Reviews | Trustpilot](https://uk.trustpilot.com/review/threeinsurance.com) - BBB: BBB customer review average 4.8 (5 stars); 265 reviews. BBB profile for THREE by Berkshire Hathaway, customer-review and complaints pages directly rechecked 2026-09-29. The customer-review population includes sales-agent/intermediary interactions and customer purchase/service reports; it is not a verified uniform policyholder or claims-outcome cohort. Average and complaints are distinct populations. BBB says third-party information may not be verified and complaint text may be incomplete. Period: Displayed 2026-09-29. Checked 2026-09-29. [THREE by Berkshire Hathaway customer reviews | BBB](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/customer-reviews?page=1); [THREE by Berkshire Hathaway complaints | BBB](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/complaints) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/three/reviews). ## USI Insurance Services Reviews Review Score: 6.4 / 10 from 1 rated source, equally weighted. USI’s public feedback is too sparse and office-specific for a firmwide verdict. Check the local team’s responsiveness and experience with your type of business. - BBB: BBB complaint count 4. BBB business-profile grade is distinct from customer-review stars; branch/parent scope matters. Period: three years preceding access 2026-09-25. Checked 2026-09-25. [BBB result for USI Insurance Services](https://www.bbb.org/us/ny/valhalla/profile/insurance-agency/usi-insurance-services-0121-97856/complaints) - Google reviews via Birdeye: Birdeye office listing rating from Google reviews 3.2 (5 stars); 9 reviews. One Louisville office listing, not firmwide. Birdeye shows Google-origin reviews (9) and 0 Birdeye-native reviews; this duplicates a Google source stream and is not independent of Google. Period: accessed 2026-09-25. Checked 2026-09-25. [USI office, Louisville, KY — Birdeye listing of Google reviews](https://reviews.birdeye.com/usi-insurance-145632496752867) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/usi/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/three-vs-usi/commercial-property.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)