THREE by Berkshire Hathaway vs 
WithCoverage
THREE is an online quote route for its own small-business product; WithCoverage offers an initial policy audit without requiring you to leave an existing broker. Choose THREE when seeking a new quote, and consider WithCoverage when you want another review of current policies and risk management. 1,10,16,13
Introduction
Coverage Comparison
| Coverage | THREE by Berkshire Hathaway | WithCoverage |
|---|---|---|
| Builders risk | Not listed | Listed 18WithCoverage reviews builders risk exposures in construction insurance programs and offers broker-transition support. |
| Business owner’s policy | Listed 10,2Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. | Not listed |
| Cargo and transit | Not listed | Listed 17WithCoverage reviews cargo exposures in consumer-business insurance programs and offers broker-transition support. |
| Commercial auto | Listed 10,2Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. | Not listed |
| Commercial property | Listed 10,2Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. | Listed 18As of September 16, 2026, WithCoverage describes auditing property programs and handling carrier transitions, for example for construction businesses. |
| Cyber liability | Listed 10,2Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. | Listed 16WithCoverage reviews cyber exposures in technology-company insurance programs and offers broker-transition support. |
| Directors and officers | Listed 10Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. | Listed 16WithCoverage reviews D&O exposures in technology-company insurance programs and offers broker-transition support. |
| Employment practices liability | Listed 10Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. | Not listed |
| Equipment breakdown | Listed 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 |
| Fiduciary liability | Listed 10Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. | Not listed |
| General liability | Listed 10,2Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. | Listed 18,19WithCoverage includes general liability in its insurance-program reviews, for example for construction and restaurant businesses. |
| Liquor liability | Listed 10Marketed within THREE’s combined commercial policy if required; the quote and issued form determine availability and protection. | Listed 19WithCoverage includes liquor liability in its restaurant insurance-program services. |
| Product liability | Not listed | Listed 17WithCoverage includes product liability in its consumer insurance-program review services. |
| Product recall | Not listed | Listed 17WithCoverage includes product recall in its consumer insurance-program review services. |
| Professional errors and omissions (E&O) | Listed 10Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. | Listed 16WithCoverage includes errors and omissions in its technology insurance-program review services. |
| Tools, equipment and inland marine | Listed 10Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. | Not listed |
| Umbrella and excess liability | Not listed | Listed 18WithCoverage includes umbrella coverage in its insurance-program reviews, for example for construction businesses. |
| Workers’ compensation | Listed 10,2Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. | Listed 18,19WithCoverage arranges workers’ compensation insurance, for example for construction and restaurant businesses. |
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
CarrierCarrier & 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.
WithCoverage
BrokerBroker
5.0/ 10Assessed provider: WithCoverage. Scope: With Coverage's US commercial-insurance brokerage and risk-advisory activity at the named-entity level, including With Coverage Inc. and With Coverage Insurance Services LLC where official terms, regulator filings or carrier directories identify them. No insurer, MGA or policy-risk-bearing role is included.
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
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 reviewsWithCoverage
Review Score
We found no independent rating for WithCoverage, so there is no Review Score. Its only rating is a 4.8 out of 5 from 299 references that the company itself curates.[9][10]
Read WithCoverage reviewsKey Differences Between THREE and WithCoverage
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.
WithCoverage documents its own insurance role and access arrangement.
WithCoverage combines commercial insurance brokerage, a risk-management team and software for growing businesses. You can have existing policies reviewed, compare insurance options and manage the program with its team. 13,14,21Company-reported. Business/service description; not a statement that the brand bears insured risk or a verified service outcome.
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.
Its main industry pages address technology, consumer brands, construction, real estate and restaurants. The company positions its team as an alternative to building an in-house risk-management function. 13,14Company-reported. Published focus, not minimum revenue, premium or eligibility criteria.
These entry points show how to start; they do not confirm eligibility or that coverage has been bound. 1 1 10 13 16 16
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.
WithCoverage offers an initial policy audit without requiring you to leave your broker. It says the review compares existing coverage, limits and premiums with market benchmarks. Its technology FAQ puts the assessment at usually one business day after receiving policy documents, with longer timing for multiple entities or locations. 16Company-reported. Company-reported no-cost/no-agreement initial steps and assessment timing, not a quote, binding or service-level guarantee.
What to Confirm in Quotes
Ask WithCoverage what its audit covers and whether it recommends changes to the existing placement. Ask THREE to quote the same requested limits and identify the issuing insurer. 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 | WithCoverage |
|---|---|---|
| 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. | WithCoverage combines commercial insurance brokerage, a risk-management team and software for growing businesses. You can have existing policies reviewed, compare insurance options and manage the program with its team. 13,14,21Company-reported. Business/service description; not a statement that the brand bears insured risk or a verified service outcome. The terms name With Coverage Inc. and With Coverage Insurance Services LLC. The latter also appears in a Mississippi corporate filing under insurance agencies and brokerages. These identify the business entities; the terms assign policy obligations to the issuing insurer. 15,26Company-reported. Exact spaced legal names from terms; historical 2023 corporate filing independently supports LLC identity and declared business category, not current insurance authorization. No group subsidiary relationship asserted from current terms. |
| 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. | Its main industry pages address technology, consumer brands, construction, real estate and restaurants. The company positions its team as an alternative to building an in-house risk-management function. 13,14Company-reported. Published focus, not minimum revenue, premium or eligibility criteria. |
| 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. | WithCoverage offers an initial policy audit without requiring you to leave your broker. It says the review compares existing coverage, limits and premiums with market benchmarks. Its technology FAQ puts the assessment at usually one business day after receiving policy documents, with longer timing for multiple entities or locations. 16Company-reported. Company-reported no-cost/no-agreement initial steps and assessment timing, not a quote, binding or service-level guarantee. The public review form starts with contact details and then asks about the company, industry and annual insurance spending. It requests a conversation about your program; it does not display an insurance price. 16Company-reported. Empty technology-page form and rendered company-step fields inspected in Chrome. No information entered, step advanced or form submitted; no authenticated application tested. The portfolio page describes appointing WithCoverage on existing policies by signing a broker-of-record letter. This changes your broker, not the policy itself. The page says the transfer has no additional charge. 22Company-reported. Live portfolio page, footer notes [1] and [3]. Narrow switching-cost statement; not zero ongoing fees, a completed insurer acceptance, or cancellation/replacement of existing insurance. For its portfolio offering, WithCoverage describes a digital application transferred into insurers’ applications and an advisor-prepared comparison of options. 22Company-reported. Portfolio-specific description; not guaranteed for every business or product and not an observed authenticated workflow. At the time of research, the page linked as Privacy Policy displayed the terms-of-service text rather than a separate detailed privacy notice. Before sharing policy or claims files, request the applicable privacy notice and document-retention terms. 27Not found in reviewed sources. Direct browser comparison of /legal/privacy and /legal/terms on 2026-09-15. Does not establish no privacy controls or unlawful processing. |
Related Reading
Sources
THREE by Berkshire Hathaway Official Website
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
WithCoverage Official Website
- Commercial Insurance & Risk Management. WithCoverage; Industry navigation; Your Risk Management Team; AI Analyzes; One Digital Platform tabs and policy-management showcase. Accessed 2026-09-15.
- About WithCoverage. WithCoverage; Opening description of risk management for businesses without an in-house team. Accessed 2026-09-15.
- Terms & Conditions. WithCoverage; Last revised June 28, 2024; §1 entities; §§7–8 availability and insurer obligations; §9 fees and charges. Accessed 2026-09-15.
- Technology Insurance & Risk Management. WithCoverage; Hero: E&O, cyber and D&O program exposure; policy-review request form; Have Questions?: program audit, broker change and assessment timing. Accessed 2026-09-16.
- Consumer Insurance & Risk Management. WithCoverage; Hero: product liability, recall and cargo program exposure; Have Questions?: program audit (General Liability, Product Liability, Workers’ Comp, Property, umbrella), broker change, account management and flat-fee or commission compensation. Accessed 2026-09-16.
- Construction Insurance & Risk Management. WithCoverage; Opening coverage description, including builder’s risk; Have Questions?: What does a program audit involve? (General Liability, Workers’ Comp, Property, umbrella), broker change and account management; property-program client example. Accessed 2026-09-16.
- Restaurant Insurance & Risk Management. WithCoverage; Opening coverage description: general liability, liquor liability and workers’ comp; Have Questions?: program audit, broker transition and account management; Talk to our team. Accessed 2026-09-16.
- Risk Management & Commercial Insurance Solution. WithCoverage; Measurable Impact savings figure and spending-threshold footnote; Develop Risk Management Plan; Manage Claims & Safety Procedures. Accessed 2026-09-15.
- WithCoverage Raises $42M Series B. WithCoverage; Founders’ letter: WithCoverage fixes this in 3 key ways; complimentary risk assessment. Accessed 2026-09-15.
- Private Equity Portfolio Risk Management. WithCoverage; How We Earn Your Trust; One Master Application; Competitive Quoting Process; Policy Proposal and Comparison; footer notes [1]–[3] and [5]; no-legal-services disclosure. Accessed 2026-09-15.
- Commercial Risk Advisor Careers. WithCoverage; The work: contract changes and retained-risk strategies; Carrier network: direct appointments, wholesale relationships and displayed market names. Accessed 2026-09-15.
- With Coverage Insurance Services LLC — Agent Listing. Liberty Mutual; Named New York agency listing; About us description of insurer access. Accessed 2026-09-15.
- Insurance Licenses By State. WithCoverage; Licenses by state table, including Massachusetts 3002802342 and Maine AGN462479. Accessed 2026-09-15.
- With Coverage Insurance Services LLC — Foreign LLC Filing. Mississippi Secretary of State; Page 1, Business Information: entity name, Delaware organization date August 3, 2023, NAICS 524210; business ID 1410807, filed September 12, 2023. Accessed 2026-09-15.
- Privacy. WithCoverage; Page titled Privacy; June 28, 2024 terms revision date; §§1–12 terms text, including §§2 and 4 on privacy and data collection. Accessed 2026-09-15.
- Deep Dive: WithCoverage. Thesis Driven; Brad Hargreaves, 28 May 2026: JD Ross says half of clients are on a traditional commission structure and half are not. Accessed 2026-09-29.
