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
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. 4,5,6
What Is Directors and Officers Insurance?
D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. 9,10,11
Key Differences in D&O Insurance
BOP Coverage or Broker-Designed Placement
THREE presents D&O among the coverage categories in its combined Business Owners Policy and uses an online quote plus licensed Small Business Advisors. USI describes a broker role: it helps clients identify D&O exposures, review management-liability gaps, and place coverage using its ExecuSafe endorsement package. A small business can compare a packaged quote with a broker discussion of existing terms and exposure; USI’s page directs interested ExecuSafe buyers to email its Select Business team. 3 1 7
Tailoring for Business Size
USI targets ExecuSafe at small and midsize businesses and separately says its technology practice places D&O for software, hardware, and communications companies from seed stage through IPO. THREE lists D&O in its BOP; its published quote route does not set out D&O-specific eligibility. A technology founder seeking coverage through THREE should confirm eligibility for the full BOP, while USI can discuss a line placement shaped around the company’s stage and sector. 7 5 3 1
What to Confirm in D&O Insurance Quotes
THREE by Berkshire Hathaway and USI Insurance Services 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
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 reviewsUSI Insurance Services Review Score
Review Score
1 rated source
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.[4][6][8]
Read USI Insurance Services reviewsTHREE by Berkshire Hathaway vs USI Insurance Services D&O Compared
THREE by Berkshire Hathaway vs USI Insurance Services: D&O Insurance: documented features by provider
| Criteria | THREE Business Owners Policy | USI ExecuSafe Directors & Officers Liability Program |
|---|---|---|
| Role in This Line | THREE presents Directors and Officers 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. | USI is a broker for D&O coverage. It says it helps clients identify D&O exposures, review any existing management liability policies for gaps, and place coverage, including through its own named endorsement package, ExecuSafe. 7Company-reported. ExecuSafe article's "How USI Can Help" section. |
| 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. | USI does not name the insurer that underwrites ExecuSafe or other D&O placements on the pages reviewed; it describes ExecuSafe as an endorsement package it applies to policies placed with the market. 7Not publicly disclosed. ExecuSafe article and Technology/Business Services practice pages as read on 2026-09-23. |
| Who It’s For | The reviewed product page does not state separate eligibility rules for Directors and Officers; 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. | USI targets small- and medium-sized businesses for ExecuSafe, saying many either skip D&O coverage or buy insufficient limits because their brokers do not help them identify the exposure. Its Technology practice separately places D&O for software, hardware and communications clients from seed stage through IPO. 7,5Company-reported. ExecuSafe article eligibility framing and Technology practice client description. |
| Coverage Features | THREE's Business Owners Policy page lists Directors & Officers 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 Directors and Officers. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy. | USI says D&O insurance is meant to protect a company's leadership from personal loss in a lawsuit, since the corporate veil does not shield directors and officers from personal liability for the business's actions and debts. It lists breach of contract, breach of duty, misrepresentation, unfair competition, misappropriation of trade secrets, securities lawsuits and creditor lawsuits as common claim types the coverage responds to. 7Company-reported. ExecuSafe article's description of D&O purpose and claim types; actual insuring agreements 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 Directors and Officers; 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. | USI cites a 2016 Chubb survey that found 43% of private companies carry no D&O coverage, with an average private-company D&O claim cost of $450,000, but the article does not publish USI's own placed limits, retentions or premium ranges for ExecuSafe. 7Not publicly disclosed. Third-party statistic cited by USI to illustrate exposure, not USI's own placement data. |
| Risk Services | Confirm in your quote. | USI's Technology practice cites a case study where its benchmarking analysis showed a software company was buying more D&O limit than peers with similar risk profiles, and says the resulting change saved the client more than $100,000 per year in D&O premium. 5Company-reported. Single case study on the Technology practice page; company-reported outcome, 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. 1Company-reported. This is the route for the overall THREE product. It does not show whether Directors and Officers will be offered for a particular business or whether a customer can bind that line without an issued policy. | USI directs small- and medium-sized businesses interested in ExecuSafe to email Select.Business@usi.com; its Technology and Business Services practices separately route inquiries to pcinquiries@usi.com or a local USI office. 7,5,8Company-reported. Contact instructions on the ExecuSafe article and the Technology and Business Services pages. |
Related Pages for THREE by Berkshire Hathaway vs USI Insurance Services
D&O Pages for THREE by Berkshire Hathaway and USI Insurance Services
Other Coverage Lines Compared for THREE by Berkshire Hathaway vs USI Insurance Services
Other D&O Insurance Provider Comparisons
Sources for THREE by Berkshire Hathaway vs USI Insurance Services
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 USI Insurance Services
- The Power of ONE. USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
- Technology Insurance. USI Insurance Services; USI's Technology Practice provides risk management advisory and insurance placement for: ...Directors & Officers Liability...; CASE STUDY: USI Benchmarking Saves Software Company $100,000 in D&O Premiums. Accessed 2026-09-23.
- Commissions and Fees. USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
- Protect Your Company and Personal Assets From Management Liability Risks. USI Insurance Services; JULY 5, 2023 article; common D&O claim types (Breach of Contract, Breach of Duty, Misrepresentation, Unfair Competition, Misappropriation of Trade Secrets, Securities Lawsuits, Creditor Lawsuits); Creditor Suit and Competitor Disputes scenarios; How USI Can Help; ExecuSafe endorsement packs. Accessed 2026-09-23.
- Business Services. USI Insurance Services; USI advises clients...and provides solutions for...Directors & Officers Liability... Accessed 2026-09-23.
Sources for the D&O Insurance Guide
- Glossary of Business Insurance Terms. The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
- The Chubb Primary Directors & Officers and Entity Securities Liability Insurance. Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage. Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. Accessed 2026-09-16.
