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THREE by Berkshire Hathaway vs Vouch

THREE offers a small-business online quote; Vouch is a broker and risk advisor for growing companies, with an application that starts from business details. Compare a direct product quote with Vouch’s broker route when your growth stage or technology risks require broader placement advice. 1,10,18,14,19

Introduction

Coverage Comparison

CoverageTHREE by Berkshire HathawayVouch
Business owner’s policyListed 10,2Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.Not listed
Commercial autoListed 10,2Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.Not listed
Commercial propertyListed 10,2Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.Listed 41As of September 16, 2026, Vouch lists business property for health care and life sciences programs.
CrimeNot listedListed 19As of September 16, 2026, Vouch lists crime among the coverages in its technology-company programs.
Cyber liabilityListed 10,2Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.Listed 19Vouch lists cyber liability in its technology-company programs.
Directors and officersListed 10Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.Listed 19Vouch lists directors and officers insurance in its technology-company programs.
Employment practices liabilityListed 10Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.Listed 19Vouch lists employment practices liability within its insurance programs for technology companies.
Equipment breakdownListed 10,2THREE lists equipment breakdown within the package; its displayed sample excludes machinery, equipment or listed vehicles that stop without an accident. Check the quoted form for the actual protection.Not listed
Fidelity bondsNot listedListed 42Vouch lists fidelity bonds among its core protections for financial-services businesses.
Fiduciary liabilityListed 10Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.Not listed
General liabilityListed 10,2Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.Listed 19Vouch lists general liability among the core coverages in its technology-company programs.
Key personNot listedListed 19Vouch arranges key person coverage for technology businesses.
Liquor liabilityListed 10Marketed within THREE’s combined commercial policy if required; the quote and issued form determine availability and protection.Not listed
Medical malpracticeNot listedListed 41Vouch arranges medical malpractice insurance for health care and life sciences businesses.
Product liabilityNot listedListed 19Vouch lists product liability among the core coverages in its technology-company programs.
Professional errors and omissions (E&O)Listed 10Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.Listed 40Vouch lists errors and omissions among the core coverages in its professional-services programs.
Technology errors and omissions (E&O)Not listedListed 19Vouch lists technology errors and omissions among the core coverages in its technology-company programs.
Tools, equipment and inland marineListed 10Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.Not listed
Umbrella and excess liabilityNot listedListed 19Vouch lists umbrella among core coverages for technology companies.
Workers’ compensationListed 10,2Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.Listed 19Vouch lists workers’ compensation among core coverages for technology companies.

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.

Current Spot Scores

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

THREE by Berkshire Hathaway

Carrier

Carrier & MGA

No Spot Score

Assessed entity: Berkshire Hathaway Direct Insurance Company. Scope: Berkshire Hathaway Direct Insurance Company (BHDIC), the insurer named on the displayed THREE sample policy. THREE is the commercial product/DBA label. This assessment uses BHDIC-specific evidence only; information about parent companies, affiliates, brokers and other Berkshire insurers is not transferred to BHDIC.

Provider assessment

Vouch

Broker

Broker

5.0/ 10

Assessed provider: Vouch. Scope: Vouch Specialty Insurance Services, LLC as the current Vouch brokerage; Vouch Group, Inc. as the marketing-name group. Corix Insurance Services, LLC and Vouch Insurance Company are separately recorded transaction entities and are not assumed to be the current broker or a buyer’s issuer.

Provider assessment

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

7.3/ 10

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 reviews

Vouch

6.6/ 10

Review Score

1 rated source

Vouch’s four Trustpilot reviews are too few to establish consistent service quality. Ask for references and clarify support after placement.[1][4][6]

Read Vouch reviews

Key Differences Between THREE and Vouch

Business Roles and Access to Insurers

THREE’s documented role shapes who handles underwriting and how you reach a policy.

THREE is the commercial brand and product form used by Berkshire Hathaway Direct Insurance Company (BHDIC), which identifies itself as doing business as THREE and names itself as issuer on the sample THREE policy. THREE’s FAQ describes THREE or THREE Insurance as the product name, not a separate insurer. The state-specific issued policy controls. 1,2,3Company-reported. U.S. THREE commercial-insurance brand and sample policy; current company identity pages checked 2026-09-28. Company-reported legal disclosure; the state-specific issued policy controls the buyer’s contract.

Vouch documents its own insurance role and access arrangement.

Vouch’s current disclosure identifies Vouch Specialty Insurance Services, LLC as the entity that brokers insurance. Vouch Group, Inc. is the group name used in that disclosure. The brokerage arranges policies with insurers; the insurer named on each policy takes on the covered risk. 14,20Company-reported. Current 6 August 2025 disclosure takes precedence over the older Terms of Use for current broker identity. No independent corporate registry or license finding implied.

Customer Fit and Application

Compare each provider’s stated customer focus against your business activities and stage; a published target market is not a guarantee of eligibility.

THREE describes its focus as businesses and presents industries it serves. Berkshire Hathaway’s 2025 annual report says BH Direct and GUARD together primarily offer commercial insurance to small and medium-sized businesses; it separately says BH Direct underwrites through the biBERK.com and Threeinsurance.com distribution platforms. Eligibility varies by state and business. 1,7Company-reported. THREE’s company-described business focus and industry examples, plus the 2025 report’s joint BH Direct-and-GUARD SMB statement. The report does not attribute that customer-size focus to BHDIC alone; actual eligibility varies by state and business.

Vouch is a business insurance broker and risk advisor for growing companies. Its customers include startups and established businesses in technology, healthcare and life sciences, professional services, and financial services. Buyers can start an application online and work with advisors to arrange coverage. 13,18,19Company-reported. Current website positioning, not verified customer counts or eligibility for every business.

These entry points show how to start; they do not confirm eligibility or that coverage has been bound. 1 1 10 14 18 19

THREE directs prospective customers to an online quote flow and says licensed Small Business Advisors can help them start or continue the process; the company’s FAQ also describes a phone quote and says an unfinished quote can be saved and resumed. This documents quote routes, not online purchase or binding by an individual customer. 1,3Company-reported. U.S. business insurance quote application. Company-described online and phone process; no customer form was submitted and no binding outcome was tested.

Vouch’s public application starts with your legal business name, website, business address and location type, followed by your role and contact details. There is a separate sign-in path for an existing application or policy. 18Company-reported. Chrome observation of public first screen only. No personal or business data entered, account created, consent accepted or application submitted. Later steps not tested.

What to Confirm in Quotes

Ask Vouch which insurer and technology forms match your contracts and stage. Ask THREE whether its packaged product meets those requirements and how its limits apply. Ask each provider to identify the proposed insurer, exact forms and endorsements, any intermediary or account service contact, and the steps required to bind. Compare premiums only after matching limits, retentions, exclusions, policy periods, taxes and fees.

Compare Services

What each provider documents about the services you may need

CriteriaTHREE by Berkshire HathawayVouch
Business role

THREE is the commercial brand and product form used by Berkshire Hathaway Direct Insurance Company (BHDIC), which identifies itself as doing business as THREE and names itself as issuer on the sample THREE policy. THREE’s FAQ describes THREE or THREE Insurance as the product name, not a separate insurer. The state-specific issued policy controls. 1,2,3Company-reported. U.S. THREE commercial-insurance brand and sample policy; current company identity pages checked 2026-09-28. Company-reported legal disclosure; the state-specific issued policy controls the buyer’s contract.

Berkshire Hathaway’s published company list identifies Berkshire Hathaway Direct Insurance Company (THREE) and lists Berkshire Hathaway Specialty Insurance (BHSI) and biBERK separately. Its 2025 annual report says BH Direct and GUARD together primarily offer commercial products to small and medium-sized businesses; it separately describes BH Direct’s admitted commercial underwriting and use of the biBERK.com and Threeinsurance.com distribution platforms. The reviewed list and report do not establish the exact direct-versus-indirect ownership chain. 8,7Company-reported. Berkshire Hathaway company list checked 2026-09-28 and 2025 annual-report discussion of BH Direct and GUARD; group relationship and commercial operating scope only, not a precise ownership-chain finding.

Vouch’s current disclosure identifies Vouch Specialty Insurance Services, LLC as the entity that brokers insurance. Vouch Group, Inc. is the group name used in that disclosure. The brokerage arranges policies with insurers; the insurer named on each policy takes on the covered risk. 14,20Company-reported. Current 6 August 2025 disclosure takes precedence over the older Terms of Use for current broker identity. No independent corporate registry or license finding implied.

Corix identifies Corix Insurance Services, LLC as the former Vouch Insurance Services, LLC. That is a different entity from Vouch Specialty Insurance Services, LLC, the broker named on Vouch’s current site. 24,14,15Company-reported. Company-reported legal-name continuity. Older Vouch terms still list both producers; do not conflate their NPNs or infer current underwriting ownership from the older name.

Hiscox announced an agreement in August 2025 to acquire Corix Insurance Services, LLC and Vouch Insurance Company, while Vouch would remain an independent broker with a multi-year Hiscox distribution agreement. Hiscox’s 2025 annual report records the Corix acquisition closing on August 11, 2025. 22,23Company-reported. Acquirer announcement covers both named entities; audited annual-report note 25 explicitly confirms Corix closing. Does not independently establish the separate carrier transfer date, regulatory approval or any particular policy migration.

Corix’s January 2025 legal disclosure still describes it as part of Vouch, even though the same page now displays Hiscox branding. Hiscox’s later annual report records the acquisition. The older ownership paragraph should not be used to describe the current Vouch brokerage. 25,23Conflicting sources. Conflict is retained and resolved for the article using later transaction evidence; no conclusion that the distribution agreement ended.

Customer focus

THREE describes its focus as businesses and presents industries it serves. Berkshire Hathaway’s 2025 annual report says BH Direct and GUARD together primarily offer commercial insurance to small and medium-sized businesses; it separately says BH Direct underwrites through the biBERK.com and Threeinsurance.com distribution platforms. Eligibility varies by state and business. 1,7Company-reported. THREE’s company-described business focus and industry examples, plus the 2025 report’s joint BH Direct-and-GUARD SMB statement. The report does not attribute that customer-size focus to BHDIC alone; actual eligibility varies by state and business.

Vouch is a business insurance broker and risk advisor for growing companies. Its customers include startups and established businesses in technology, healthcare and life sciences, professional services, and financial services. Buyers can start an application online and work with advisors to arrange coverage. 13,18,19Company-reported. Current website positioning, not verified customer counts or eligibility for every business.

Application process

THREE directs prospective customers to an online quote flow and says licensed Small Business Advisors can help them start or continue the process; the company’s FAQ also describes a phone quote and says an unfinished quote can be saved and resumed. This documents quote routes, not online purchase or binding by an individual customer. 1,3Company-reported. U.S. business insurance quote application. Company-described online and phone process; no customer form was submitted and no binding outcome was tested.

THREE describes a partner-agency channel. Its partner page says the Agency Service Team assists policyholders and agents and that agency partners can use the THREE platform to quote, bind, and issue policies online. This describes the partner channel, not the direct public quote flow. 6Company-reported. THREE partner agency program and platform capabilities as described by the company; these capabilities apply to partner agencies and do not establish direct-customer self-binding.

Vouch’s public application starts with your legal business name, website, business address and location type, followed by your role and contact details. There is a separate sign-in path for an existing application or policy. 18Company-reported. Chrome observation of public first screen only. No personal or business data entered, account created, consent accepted or application submitted. Later steps not tested.

Vouch says its platform presents carrier options together, with differences in coverage, exclusions, endorsements and pricing explained by advisors. The reviewed pages do not promise a fixed number of quotes or a search of every insurer. 20Company-reported. Company-described authenticated comparison experience; not tested. This is curated brokerage access, not proof of whole-market coverage.

Vouch says many technology companies can arrange coverage within days, with smaller programs sometimes completed in minutes. Those are company timing claims. Its buying guide says coverage requires binding confirmation and the effective date, with underwriting and payment conditions satisfied. 19,21Company-reported. Technology FAQ and June 2026 educational binding guide; no actual application or bind completed. No guaranteed turnaround adopted.

Sources

THREE by Berkshire Hathaway Official Website

  1. THREE by Berkshire Hathaway — small business insurance. Berkshire Hathaway Direct Insurance Company, dba THREE; Issuer, business focus, and industry scope, lines 70–81; quote/advisor route, lines 405–420; DBA footer, lines 432–434. Accessed 2026-09-28.
  2. The Policy. Berkshire Hathaway Direct Insurance Company, dba THREE; Sample declarations, limits and three-day Business Interruption waiting period (lines 58–76); Section I: interruption follows a property loss the insurer pays and ends on resumed normal operations or an applicable limit (lines 82–86); Section III: machinery/equipment/listed vehicles stopping without an accident are excluded (lines 104–112). Accessed 2026-09-29.
  3. FAQs: Understanding THREE. Berkshire Hathaway Direct Insurance Company, dba THREE; Quote save/resume, lines 73–76; claim/update routes, lines 78–89; product-not-company wording, lines 98–100; one-year policy/payment terms, lines 129–130; servicing requests, lines 141–157. Accessed 2026-09-28.
  4. Terms & Conditions. Berkshire Hathaway Direct Insurance Company, dba THREE; BHDIC dba THREE, lines 20–23; recurring automatic bank draft qualification, lines 27–33. Accessed 2026-09-28.
  5. Filing a Claim: Call to get started. Berkshire Hathaway Direct Insurance Company, dba THREE; Online/phone claims and account-manager assignment, lines 24–43; claim updates, lines 59–61. Accessed 2026-09-28.
  6. Become a THREE Partner. Berkshire Hathaway Direct Insurance Company, dba THREE; Partner-agency program and platform permissions, lines 6–18; state availability, lines 30–35. Accessed 2026-09-28.
  7. Berkshire Hathaway Inc. 2025 Annual Report / Form 10-K. Berkshire Hathaway Inc.; 2025 annual report, PDF page 5, printed K-4, lines 303–308: BH Direct and GUARD joint SMB focus; BH Direct platforms/admitted products. Accessed 2026-09-28.
  8. Links to Berkshire Hathaway Subsidiary Companies. Berkshire Hathaway Inc.; Published subsidiary-company list; BHDIC (THREE), BHSI, and biBERK shown separately, lines 11–16. Accessed 2026-09-28.
  9. THREE online quote application. Berkshire Hathaway Direct Insurance Company, dba THREE; THREE online quote entry point inspected; the page is a route to begin an application. No form was submitted or quote generated; this source alone does not establish customer self-binding. Accessed 2026-09-28.
  10. Business Owners Policy | THREE. Berkshire Hathaway Direct Insurance Company, dba THREE; Product page explicitly markets Business Liability categories (including liquor liability if required), Property (including equipment breakdown and inland marine), Business Auto (including cargo liability and hired/non-owned), Business Interruption, Cyber and Workers’ Compensation, within one combined policy description (lines 8–9, 19–21, 23–76); BHDIC dba THREE footer (lines 93–94). Accessed 2026-09-29.
  11. Benefits | THREE. Berkshire Hathaway Direct Insurance Company, dba THREE; Page copy: commercial coverage category descriptions for liability, cyber, property/business interruption, business auto and workers compensation; describes product benefits, not a complete policy form. Accessed 2026-09-29.
  12. THREE logo SVG. Berkshire Hathaway Direct Insurance Company, dba THREE; Direct official SVG asset; viewBox 0 0 720 253; embedded title “Three by Berkshire Hathaway”; downloaded and preserved byte-for-byte as assets/three-logo.svg. Accessed 2026-09-29.

Vouch Official Website

  1. Vouch Homepage. Vouch; Hero identifying Vouch as an insurance broker; Industries; Services; footer identifying Vouch Specialty and qualifying product availability. Accessed 2026-09-15.
  2. Disclosures. Vouch; Effective 6 August 2025: marketing name and broker entity; commissions and performance compensation; Premium Finance; Credit and Debit Card Transaction Fees; Who to Contact. Accessed 2026-09-15.
  3. Terms of Use. Vouch; Effective 28 June 2023: Additional Terms: Insurance Services; Vouch Website and Product Disclosures; Void Where Prohibited. Accessed 2026-09-15.
  4. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; Property & Casualty table (50 states and DC); separate Surplus Lines table; California 6004944. Accessed 2026-09-15.
  5. California License Number Search. California Department of Insurance; License Number Search for Vouch Specialty Insurance Services, LLC, California 6004944; the public lookup could not be completed and no entity record was returned. Accessed 2026-09-15.
  6. Start a Vouch Application. Vouch; Public first screen: legal business name, website/no-website option, address and location type, applicant role and contact fields, consent, and existing-customer sign-in. Accessed 2026-09-15.
  7. Insurance for Technology Companies. Vouch; Expertise (AI, SaaS, eCommerce, Fintech, Hardware, Crypto); Core coverages for Technology: Tech Errors & Omissions, Cyber Liability, Directors & Officers (D&O), Employment Practices Liability (EPLI), General Liability, Product Liability, Crime, Umbrella, Workers’ Compensation; Learn About Coverages: Key Person Coverage; A partner for every stage of growth; FAQs on pricing and time to coverage; technology errors and omissions blog teaser; insurance-services footer. Accessed 2026-09-16.
  8. Carrier Options in One Place. Vouch; 26 November 2025: Choice Without the Chaos; Clarity That Builds Confidence; One Relationship, Many Solutions; final producer/underwriting disclosure. Accessed 2026-09-15.
  9. When Does My Business Insurance Coverage Start? Vouch; 5 June 2026: Coverage Must Be Bound Before It Becomes Active; Payment May Be Required First. Accessed 2026-09-15.
  10. Hiscox Agrees to Acquire US-Based Specialist Insurtech. Hiscox Group; 6 August 2025: agreement covering Corix Insurance Services, LLC and Vouch Insurance Company, subject to approvals; Vouch remaining an independent broker; multi-year distribution agreement. Accessed 2026-09-15.
  11. Hiscox Report and Accounts 2025. Hiscox Ltd; Printed page 225, note 25, Business combinations / Corix: 11 August 2025 acquisition of 100% of Corix Insurance Services LLC by Hiscox Holdings Inc. from Vouch US Insurance Services Holdings LLC. Accessed 2026-09-15.
  12. Corix Licenses. Corix Insurance; Effective 1 January 2025: former-name statement and NPN 19039391; separate Vouch Insurance Company entry, NAIC 17048. Accessed 2026-09-15.
  13. Corix Disclosures. Corix Insurance; Effective 1 January 2025: Proprietary Products paragraph (Vouch ownership wording; State National and United Specialty); footer naming a Hiscox company and the insurers for admitted and surplus-lines offerings. Accessed 2026-09-15.
  14. Corix Cyber and Errors & Omissions. Corix Insurance; Coverage Options; Coverage Highlights; qualification paragraphs before Related Coverages (social engineering, AI, professional activities, intellectual property); footer insurer disclosures; Download Application. Accessed 2026-09-15.
  15. Corix Cyber and E&O Application. Corix Insurance / United Specialty Insurance Company; CET 10–0054 03 25, printed page 1 of 10: United Specialty Insurance Company, claims-made liability, defense-cost treatment and selectable cyber/E&O/media modules; pages 2–8: operations, financials, AI, security and claims questions. Accessed 2026-09-15.
  16. Corix Management Liability. Corix Insurance; Coverage Options: D&O, EPL, Fiduciary; Coverage Highlights: out-of-panel counsel subject to conditions, crisis expenses and optional pre-claim assistance; limitations before Related Coverages. Accessed 2026-09-15.
  17. Corix Commercial Package Policy. Corix Insurance; Forward-Thinking Protection and Coverage Options: general liability, commercial property, hired/non-owned auto and employee benefits liability; footer insurer disclosures. Accessed 2026-09-15.
  18. Comprehensive Coverage Review. Vouch; Fix your insurance blind spots; Complimentary Analysis and Peer Benchmarking. Accessed 2026-09-15.
  19. Contract Requirement Review. Vouch; Coverage that keeps your deals moving; Tailored to your contract; Effortless Experience (reviews and COIs). Accessed 2026-09-15.
  20. How Fast Certificates of Insurance Keep Business Moving. Vouch; 26 November 2025: Turning an Administrative Task into a Quick Process; Confidence in Every Certificate: account-based requests and third-party details. Accessed 2026-09-15.
  21. What Is a Certificate of Insurance? Vouch; 8 May 2026: Certificate Holder vs. Additional Insured; How to Get a COI; Common COI Misunderstandings. Accessed 2026-09-15.
  22. How to Prepare for Your Business Insurance Renewal. Vouch; 30 July 2025: checklist (30–60 days, material changes, financials, claims history); review of retroactive dates; FAQ documents. Accessed 2026-09-15.
  23. Claims Advocacy. Vouch; What You Get: claims advocacy resources at no cost for Vouch clients; dedicated advocate, carrier communication and updates. Accessed 2026-09-15.
  24. Who Helps Me During the Business Insurance Claims Process? Vouch; 26 March 2026: Your Insurance Broker or Claims Advocate; The Insurance Carrier; reporting and documentation. Accessed 2026-09-15.
  25. Vouch Help Center. Vouch; Application, account sign-in and File a Claim links on the help-center homepage. Accessed 2026-09-15.
  26. Vouch Claim Request Form. Vouch; File a Claim destination: claim type, contact details, incident location/date, estimated loss, description, optional policy number and attachments. Accessed 2026-09-15.
  27. Corix Management Liability Application. Corix Insurance / United Specialty Insurance Company; SML 10-0002 03 25, printed page 1 of 13: United Specialty Insurance Company; selectable D&O, employment practices and fiduciary liability; claims-made liability and defense-cost treatment. Accessed 2026-09-15.
  28. Insurance for Professional Services Firms. Vouch; Core coverages for Professional Services: Errors & Omissions, General Liability, Cyber Liability, Employment Practices Liability, Workers’ Compensation; FAQ on common coverages. Accessed 2026-09-16.
  29. Insurance for Health & Life Science Companies. Vouch; Core coverages for Healthcare & Life Sciences: Medical Malpractice, Business Property. Accessed 2026-09-16.
  30. Insurance for Financial Services. Vouch; Core protections for Financial Services: Fidelity Bonds; broker services; insurance-services footer. Accessed 2026-09-16.

Updated . 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; it is not a recommendation for a specific policy. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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