THREE by Berkshire Hathaway vs Vouch: How Do They Compare for Cyber Insurance?

THREE presents Cyber 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.

Vouch is a broker, not an insurer, for cyber liability. It lists Cyber Liability among the core coverages it places for technology clients, and one of its named program partners for cyber is Corix, an insurance program administrator. ^8,9Company-reported. Vouch's Technology practice page and Corix's cyber product page.

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.

Corix's current legal disclosures say its proprietary products are issued by State National Insurance Company or United Specialty Insurance Company. Corix's disclosures still describe it as "a wholly-owned member of the Vouch Group," but Hiscox's August 2025 press release states Hiscox acquired Corix Insurance Services, LLC from Vouch, Inc., with Vouch remaining an independent broker under a multi-year distribution agreement — so the ownership language on Corix's disclosures page appears outdated. Either way, these named insurers apply to Corix-branded products specifically, not to every Vouch cyber placement. ^10,11Conflicting sources. Corix disclosures page (dated effective January 1, 2025) and the Hiscox press release; no single insurer is established for all Vouch cyber business.

The reviewed product page does not state separate eligibility rules for Cyber; 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.

Vouch markets cyber liability to technology companies across AI, SaaS, eCommerce, fintech, hardware and crypto, saying it is trusted by more than 6,000 companies in that segment. ⁸Company-reported. Vouch's Technology practice page; not an underwriting appetite guarantee for any specific applicant.

THREE's Business Owners Policy page lists Cyber Liability 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 Cyber. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy.

Corix describes its cyber coverage as typically including incident response, forensic investigations, legal defense, regulatory fines and notification costs, plus business interruption and reputational-harm coverage. ⁹Company-reported. Corix's cyber and errors & omissions product page; the description is general, and the buyer's actual policy form and exclusions govern the placement.

The reviewed public product page does not state a separate limit or deductible for Cyber; 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.

Neither the Vouch nor the Corix pages publish cyber policy limits, sublimits or retentions. ^8,9Not publicly disclosed. Pages checked on 2026-09-23.

Confirm in your quote.

Vouch says it benchmarks a technology client's cyber exposures and aligns coverage with enterprise security demands from customers and investors, citing that only about 25% of companies under $250 million in revenue carry cyber insurance. ⁸Company-reported. Vouch's Technology practice page; benchmarking methodology and the cited statistic are company-reported.

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 Cyber will be offered for a particular business or whether a customer can bind that line without an issued policy.

Corix's cyber and E&O product page offers a downloadable application and directs brokers to start an appointment process; Vouch's own site routes prospective buyers to its online "Get Started" application flow. ^9,8Company-reported. Corix product page and Vouch homepage navigation.