THREE by Berkshire Hathaway vs Vouch: How Do They Compare for D&O Insurance?

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.

Vouch is a broker, not an insurer, for D&O coverage. It lists D&O among the core coverages it places for technology clients, and one of its named program partners, Corix, has a dedicated management liability product that includes D&O. ^8,9Company-reported. Vouch's Technology page and Corix's management liability 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 disclosures say its proprietary products, including its management liability line, are issued by State National Insurance Company or United Specialty Insurance Company. That names an insurer for Corix-branded D&O products specifically, not for every Vouch D&O placement. ¹⁰Company-reported. Corix disclosures page.

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.

Vouch markets D&O to technology companies from early-stage through IPO, saying programs are designed to build investor confidence and support long-term growth plans; Corix separately markets management liability, including D&O, to private and small-to-low-middle-market businesses, not only public companies. ^8,9Company-reported. Vouch's Technology page and Corix's management liability page.

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.

Corix says its management liability coverage is meant to preserve corporate and personal assets against allegations from stakeholders, employees, competitors or regulators, and to fund a defense so leaders and the business can respond to claims without exhausting cash flow, even when a claim is ultimately dismissed. ⁹Company-reported. Corix's management liability product page; actual insuring agreements and exclusions are set by the issued policy.

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.

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

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.

Corix's management liability 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 site navigation.