---
title: "THREE vs Vouch"
description: "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."
canonical: "https://spot.insure/compare/three-vs-vouch"
page-type: "provider-comparison"
updated-at: "2026-09-30"
---

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-vouch)

# THREE 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.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Highlights

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](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [18](https://apply.vouch.us/ "Start a Vouch Application") [14](https://www.vouch.us/legal/disclosures "Disclosures") [19](https://www.vouch.us/technology "Insurance for Technology Companies")

## Provider Reliability Assessments

These sourced assessments are shown for context; this comparison does not select a winner.

### THREE by Berkshire Hathaway

Role: Insurance carrier.

Carrier & MGA Spot Score: **Not Rated**. Assessed 2026-09-29; review due 2027-03-29.

Read the [full reliability assessment](https://spot.insure/insurance-providers/three/reliability).

### Vouch

Role: Broker.

Broker Spot Score: **5.0/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/vouch/reliability).

## 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).

## Vouch Reviews

Review Score: 6.6 / 10 from 1 rated source, equally weighted.

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

- Trustpilot: Trustpilot TrustScore 3.3 (5 stars); 4 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for Vouch](https://www.trustpilot.com/review/vouch.us)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/vouch/reviews).





## Coverage Comparison

| Coverage Type | THREE by Berkshire Hathaway | Vouch |
| --- | --- | --- |
| [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [2](https://threeinsurance.com/the-policy "The Policy") | Not listed |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [2](https://threeinsurance.com/the-policy "The Policy") | Not listed |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [2](https://threeinsurance.com/the-policy "The Policy") | Listed: As of September 16, 2026, Vouch lists business property for health care and life sciences programs. [41](https://www.vouch.us/healthcare-life-sciences "Insurance for Health & Life Science Companies") |
| [Crime](https://spot.insure/coverage/crime) | Not listed | Listed: As of September 16, 2026, Vouch lists crime among the coverages in its technology-company programs. [19](https://www.vouch.us/technology "Insurance for Technology Companies") |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [2](https://threeinsurance.com/the-policy "The Policy") | Listed: Vouch lists cyber liability in its technology-company programs. [19](https://www.vouch.us/technology "Insurance for Technology Companies") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") | Listed: Vouch lists directors and officers insurance in its technology-company programs. [19](https://www.vouch.us/technology "Insurance for Technology Companies") |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") | Listed: Vouch lists employment practices liability within its insurance programs for technology companies. [19](https://www.vouch.us/technology "Insurance for Technology Companies") |
| [Equipment breakdown](https://spot.insure/coverage/equipment-breakdown) | Listed: THREE 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. [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [2](https://threeinsurance.com/the-policy "The Policy") | Not listed |
| [Fidelity bonds](https://spot.insure/coverage/fidelity-bonds) | Not listed | Listed: Vouch lists fidelity bonds among its core protections for financial-services businesses. [42](https://www.vouch.us/financial-services "Insurance for Financial Services") |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") | Not listed |
| [General liability](https://spot.insure/coverage/general-liability) | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [2](https://threeinsurance.com/the-policy "The Policy") | Listed: Vouch lists general liability among the core coverages in its technology-company programs. [19](https://www.vouch.us/technology "Insurance for Technology Companies") |
| [Key person](https://spot.insure/coverage/key-person) | Not listed | Listed: Vouch arranges key person coverage for technology businesses. [19](https://www.vouch.us/technology "Insurance for Technology Companies") |
| [Liquor liability](https://spot.insure/coverage/liquor-liability) | Listed: Marketed within THREE’s combined commercial policy if required; the quote and issued form determine availability and protection. [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") | Not listed |
| [Medical malpractice](https://spot.insure/coverage/medical-malpractice) | Not listed | Listed: Vouch arranges medical malpractice insurance for health care and life sciences businesses. [41](https://www.vouch.us/healthcare-life-sciences "Insurance for Health & Life Science Companies") |
| [Product liability](https://spot.insure/coverage/product-liability) | Not listed | Listed: Vouch lists product liability among the core coverages in its technology-company programs. [19](https://www.vouch.us/technology "Insurance for Technology Companies") |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") | Listed: Vouch lists errors and omissions among the core coverages in its professional-services programs. [40](https://www.vouch.us/professional-services "Insurance for Professional Services Firms") |
| [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Not listed | Listed: Vouch lists technology errors and omissions among the core coverages in its technology-company programs. [19](https://www.vouch.us/technology "Insurance for Technology Companies") |
| [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") | Not listed |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Not listed | Listed: Vouch lists umbrella among core coverages for technology companies. [19](https://www.vouch.us/technology "Insurance for Technology Companies") |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [2](https://threeinsurance.com/the-policy "The Policy") | Listed: Vouch lists workers’ compensation among core coverages for technology companies. [19](https://www.vouch.us/technology "Insurance 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.



## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## 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](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [2](https://threeinsurance.com/the-policy "The Policy") [3](https://threeinsurance.com/faqs "FAQs: Understanding THREE") (Evidence: Company-reported; scope: 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.; verified: 2026-09-28.)

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](https://www.vouch.us/legal/disclosures "Disclosures") [20](https://www.vouch.us/blog/how-having-carrier-options-in-one-place-helps-businesses-choose-smarter-coverage "Carrier Options in One Place") (Evidence: Company-reported; scope: 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.; verified: 2026-09-15.)

### 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](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [7](https://www.berkshirehathaway.com/2025ar/202510-k.pdf "Berkshire Hathaway Inc. 2025 Annual Report / Form 10-K") (Evidence: Company-reported; scope: 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.; verified: 2026-09-28.)

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](https://www.vouch.us/ "Vouch Homepage") [18](https://apply.vouch.us/ "Start a Vouch Application") [19](https://www.vouch.us/technology "Insurance for Technology Companies") (Evidence: Company-reported; scope: Current website positioning, not verified customer counts or eligibility for every business.; verified: 2026-09-15.)

These entry points show how to start; they do not confirm eligibility or that coverage has been bound. [1](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [1](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [14](https://www.vouch.us/legal/disclosures "Disclosures") [18](https://apply.vouch.us/ "Start a Vouch Application") [19](https://www.vouch.us/technology "Insurance for Technology Companies")

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](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [3](https://threeinsurance.com/faqs "FAQs: Understanding THREE") (Evidence: Company-reported; scope: U.S. business insurance quote application. Company-described online and phone process; no customer form was submitted and no binding outcome was tested.; verified: 2026-09-28.)

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. [18](https://apply.vouch.us/ "Start a Vouch Application") (Evidence: Company-reported; scope: Chrome observation of public first screen only. No personal or business data entered, account created, consent accepted or application submitted. Later steps not tested.; verified: 2026-09-15.)

## 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.

| Criteria | THREE by Berkshire Hathaway | Vouch |
| --- | --- | --- |
| 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](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [2](https://threeinsurance.com/the-policy "The Policy") [3](https://threeinsurance.com/faqs "FAQs: Understanding THREE") (Evidence: Company-reported; scope: 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.; verified: 2026-09-28.)<br><br>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](https://www.berkshirehathaway.com/subs/sublinks.html "Links to Berkshire Hathaway Subsidiary Companies") [7](https://www.berkshirehathaway.com/2025ar/202510-k.pdf "Berkshire Hathaway Inc. 2025 Annual Report / Form 10-K") (Evidence: Company-reported; scope: 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.; verified: 2026-09-28.) | 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](https://www.vouch.us/legal/disclosures "Disclosures") [20](https://www.vouch.us/blog/how-having-carrier-options-in-one-place-helps-businesses-choose-smarter-coverage "Carrier Options in One Place") (Evidence: Company-reported; scope: 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.; verified: 2026-09-15.)<br><br>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](https://www.corixinsurance.com/legal/licenses "Corix Licenses") [14](https://www.vouch.us/legal/disclosures "Disclosures") [15](https://www.vouch.us/legal/terms-of-use "Terms of Use") (Evidence: Company-reported; scope: 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.; verified: 2026-09-15.)<br><br>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](https://www.hiscoxgroup.com/news/press-releases/2025/06-08-25-1 "Hiscox Agrees to Acquire US-Based Specialist Insurtech") [23](https://www.hiscoxgroup.com/sites/group/files/2026-03/Hiscox_report_and_accounts_2025.pdf "Hiscox Report and Accounts 2025") (Evidence: Company-reported; scope: 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.; verified: 2026-09-15.)<br><br>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](https://www.corixinsurance.com/legal/disclosures "Corix Disclosures") [23](https://www.hiscoxgroup.com/sites/group/files/2026-03/Hiscox_report_and_accounts_2025.pdf "Hiscox Report and Accounts 2025") (Evidence: Conflicting sources; scope: Conflict is retained and resolved for the article using later transaction evidence; no conclusion that the distribution agreement ended.; verified: 2026-09-15.) |
| 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](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [7](https://www.berkshirehathaway.com/2025ar/202510-k.pdf "Berkshire Hathaway Inc. 2025 Annual Report / Form 10-K") (Evidence: Company-reported; scope: 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.; verified: 2026-09-28.) | 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](https://www.vouch.us/ "Vouch Homepage") [18](https://apply.vouch.us/ "Start a Vouch Application") [19](https://www.vouch.us/technology "Insurance for Technology Companies") (Evidence: Company-reported; scope: Current website positioning, not verified customer counts or eligibility for every business.; verified: 2026-09-15.) |
| 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](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [3](https://threeinsurance.com/faqs "FAQs: Understanding THREE") (Evidence: Company-reported; scope: U.S. business insurance quote application. Company-described online and phone process; no customer form was submitted and no binding outcome was tested.; verified: 2026-09-28.)<br><br>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. [6](https://threeinsurance.com/become-a-three-partner "Become a THREE Partner") (Evidence: Company-reported; scope: 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.; verified: 2026-09-28.) | 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. [18](https://apply.vouch.us/ "Start a Vouch Application") (Evidence: Company-reported; scope: Chrome observation of public first screen only. No personal or business data entered, account created, consent accepted or application submitted. Later steps not tested.; verified: 2026-09-15.)<br><br>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. [20](https://www.vouch.us/blog/how-having-carrier-options-in-one-place-helps-businesses-choose-smarter-coverage "Carrier Options in One Place") (Evidence: Company-reported; scope: Company-described authenticated comparison experience; not tested. This is curated brokerage access, not proof of whole-market coverage.; verified: 2026-09-15.)<br><br>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](https://www.vouch.us/technology "Insurance for Technology Companies") [21](https://www.vouch.us/blog/when-does-my-business-insurance-coverage-start "When Does My Business Insurance Coverage Start?") (Evidence: Company-reported; scope: Technology FAQ and June 2026 educational binding guide; no actual application or bind completed. No guaranteed turnaround adopted.; verified: 2026-09-15.) |

## Related Reading

- [THREE small business insurance: coverage, issuer and buying routes](https://spot.insure/insurance-providers/three)
- [What Is Vouch Insurance?](https://spot.insure/insurance-providers/vouch)

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- [CNA vs Vouch](https://spot.insure/compare/cna-vs-vouch)
- [Coalition vs THREE by Berkshire Hathaway](https://spot.insure/compare/coalition-vs-three)
- [Coalition vs Vouch](https://spot.insure/compare/coalition-vs-vouch)
- [Corgi vs THREE by Berkshire Hathaway](https://spot.insure/compare/corgi-vs-three)
- [Corgi vs Vouch](https://spot.insure/compare/corgi-vs-vouch)
- [Coterie Insurance vs THREE by Berkshire Hathaway](https://spot.insure/compare/coterie-vs-three)
- [Coterie Insurance vs Vouch](https://spot.insure/compare/coterie-vs-vouch)
- [Counterpart vs THREE by Berkshire Hathaway](https://spot.insure/compare/counterpart-vs-three)
- [Counterpart vs Vouch](https://spot.insure/compare/counterpart-vs-vouch)
- [Coverdash vs THREE by Berkshire Hathaway](https://spot.insure/compare/coverdash-vs-three)
- [Coverdash vs Vouch](https://spot.insure/compare/coverdash-vs-vouch)
- [Cowbell vs THREE by Berkshire Hathaway](https://spot.insure/compare/cowbell-vs-three)
- [Cowbell vs Vouch](https://spot.insure/compare/cowbell-vs-vouch)
- [Embroker vs THREE by Berkshire Hathaway](https://spot.insure/compare/embroker-vs-three)
- [Embroker vs Vouch](https://spot.insure/compare/embroker-vs-vouch)

## Sources

### [THREE by Berkshire Hathaway Official Website](https://threeinsurance.com/)

1. [THREE by Berkshire Hathaway — small business insurance](https://threeinsurance.com/). 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](https://threeinsurance.com/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](https://threeinsurance.com/faqs). 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](https://threeinsurance.com/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](https://threeinsurance.com/claims). 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](https://threeinsurance.com/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](https://www.berkshirehathaway.com/2025ar/202510-k.pdf). 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](https://www.berkshirehathaway.com/subs/sublinks.html). 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](https://quotes.threeinsurance.com/). 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](https://threeinsurance.com/business-owners-policy). 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](https://threeinsurance.com/benefits). 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](https://threeinsurance.com/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](https://www.vouch.us)

13. [Vouch Homepage](https://www.vouch.us/). Vouch; Hero identifying Vouch as an insurance broker; Industries; Services; footer identifying Vouch Specialty and qualifying product availability. Accessed 2026-09-15.
14. [Disclosures](https://www.vouch.us/legal/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.
15. [Terms of Use](https://www.vouch.us/legal/terms-of-use). Vouch; Effective 28 June 2023: Additional Terms: Insurance Services; Vouch Website and Product Disclosures; Void Where Prohibited. Accessed 2026-09-15.
16. [Licenses](https://www.vouch.us/legal/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.
17. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). 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.
18. [Start a Vouch Application](https://apply.vouch.us/). 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.
19. [Insurance for Technology Companies](https://www.vouch.us/technology). 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.
20. [Carrier Options in One Place](https://www.vouch.us/blog/how-having-carrier-options-in-one-place-helps-businesses-choose-smarter-coverage). Vouch; 26 November 2025: Choice Without the Chaos; Clarity That Builds Confidence; One Relationship, Many Solutions; final producer/underwriting disclosure. Accessed 2026-09-15.
21. [When Does My Business Insurance Coverage Start?](https://www.vouch.us/blog/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.
22. [Hiscox Agrees to Acquire US-Based Specialist Insurtech](https://www.hiscoxgroup.com/news/press-releases/2025/06-08-25-1). 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.
23. [Hiscox Report and Accounts 2025](https://www.hiscoxgroup.com/sites/group/files/2026-03/Hiscox_report_and_accounts_2025.pdf). 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.
24. [Corix Licenses](https://www.corixinsurance.com/legal/licenses). Corix Insurance; Effective 1 January 2025: former-name statement and NPN 19039391; separate Vouch Insurance Company entry, NAIC 17048. Accessed 2026-09-15.
25. [Corix Disclosures](https://www.corixinsurance.com/legal/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.
26. [Corix Cyber and Errors & Omissions](https://www.corixinsurance.com/products/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.
27. [Corix Cyber and E&O Application](https://cdn.prod.website-files.com/682594fbc7d8d57832d05841/683dc3fd64b9f1371e65a2b8_Corix%20Cyber%20E%26O%20Application_June2025.pdf). 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.
28. [Corix Management Liability](https://www.corixinsurance.com/products/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.
29. [Corix Commercial Package Policy](https://www.corixinsurance.com/products/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.
30. [Comprehensive Coverage Review](https://www.vouch.us/services/comprehensive-coverage-review). Vouch; Fix your insurance blind spots; Complimentary Analysis and Peer Benchmarking. Accessed 2026-09-15.
31. [Contract Requirement Review](https://www.vouch.us/services/contract-requirement-review). Vouch; Coverage that keeps your deals moving; Tailored to your contract; Effortless Experience (reviews and COIs). Accessed 2026-09-15.
32. [How Fast Certificates of Insurance Keep Business Moving](https://www.vouch.us/blog/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.
33. [What Is a Certificate of Insurance?](https://www.vouch.us/blog/understanding-certificate-of-insurance) Vouch; 8 May 2026: Certificate Holder vs. Additional Insured; How to Get a COI; Common COI Misunderstandings. Accessed 2026-09-15.
34. [How to Prepare for Your Business Insurance Renewal](https://www.vouch.us/blog/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.
35. [Claims Advocacy](https://www.vouch.us/services/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.
36. [Who Helps Me During the Business Insurance Claims Process?](https://www.vouch.us/blog/help-during-business-insurance-claims-process) Vouch; 26 March 2026: Your Insurance Broker or Claims Advocate; The Insurance Carrier; reporting and documentation. Accessed 2026-09-15.
37. [Vouch Help Center](https://support.vouch.us/hc/en-us). Vouch; Application, account sign-in and File a Claim links on the help-center homepage. Accessed 2026-09-15.
38. [Vouch Claim Request Form](https://support.vouch.us/hc/en-us/requests/new?ticket_form_id=4420115717787). Vouch; File a Claim destination: claim type, contact details, incident location/date, estimated loss, description, optional policy number and attachments. Accessed 2026-09-15.
39. [Corix Management Liability Application](https://cdn.prod.website-files.com/682594fbc7d8d57832d05841/683dc40bd7014502a007a747_Corix%20Management%20Liability%20Application_June2025.pdf). 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.
40. [Insurance for Professional Services Firms](https://www.vouch.us/professional-services). 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.
41. [Insurance for Health & Life Science Companies](https://www.vouch.us/healthcare-life-sciences). Vouch; Core coverages for Healthcare & Life Sciences: Medical Malpractice, Business Property. Accessed 2026-09-16.
42. [Insurance for Financial Services](https://www.vouch.us/financial-services). Vouch; Core protections for Financial Services: Fidelity Bonds; broker services; insurance-services footer. 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; it is not a recommendation for a specific policy. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/three-vs-vouch.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)