---
title: "THREE by Berkshire Hathaway vs WithCoverage: Commercial Property Insurance"
description: "THREE offers a small-business package quote with advisor help, while WithCoverage starts with a no-cost review of a client’s existing property program."
canonical: "https://spot.insure/compare/three-vs-withcoverage/commercial-property"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "three-vs-withcoverage"
provider-a: "three"
provider-b: "withcoverage"
coverage-line: "commercial-property"
---

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[Human-readable page](https://spot.insure/compare/three-vs-withcoverage/commercial-property)

## Agent Guide

**What this page is:** Focused comparison of THREE by Berkshire Hathaway and WithCoverage for Commercial Property Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Commercial Property Insurance questions about THREE by Berkshire Hathaway versus WithCoverage. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- THREE by Berkshire Hathaway vs WithCoverage for Commercial Property Insurance: how do they differ?
- Which is better for Commercial Property Insurance, THREE by Berkshire Hathaway or WithCoverage?
- What does THREE by Berkshire Hathaway or WithCoverage publish about Commercial Property Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Commercial Property Insurance from THREE by Berkshire Hathaway or WithCoverage?

**Key facts:**
- Line: Commercial Property Insurance. Providers: THREE by Berkshire Hathaway and WithCoverage.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [THREE by Berkshire Hathaway vs WithCoverage](https://spot.insure/compare/three-vs-withcoverage) — parent: all coverage lines for this pair
- [Commercial Property Insurance guide](https://spot.insure/coverage/commercial-property) — coverage explainer for this line
- [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence)
- [WithCoverage profile](https://spot.insure/insurance-providers/withcoverage) — provider profile (evidence)
- [THREE by Berkshire Hathaway vs WithCoverage General Liability Insurance](https://spot.insure/compare/three-vs-withcoverage/general-liability) — sibling comparison (other line, or other pair for this line)
- [THREE by Berkshire Hathaway vs WithCoverage Workers’ Compensation Insurance](https://spot.insure/compare/three-vs-withcoverage/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/aig-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs WithCoverage Commercial Property Insurance](https://spot.insure/compare/aig-vs-withcoverage/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs WithCoverage Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-withcoverage/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Aon vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/aon-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Aon vs WithCoverage Commercial Property Insurance](https://spot.insure/compare/aon-vs-withcoverage/commercial-property) — sibling comparison (other line, or other pair for this line)

# THREE by Berkshire Hathaway vs WithCoverage: How Do They Compare for Commercial Property Insurance?

THREE offers a small-business package quote with advisor help, while WithCoverage starts with a no-cost review of a client’s existing property program.

## Research Scope and Use

Use this comparison to evaluate THREE by Berkshire Hathaway and WithCoverage for Commercial Property Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

THREE routes small businesses to an online Business Owners Policy quote and licensed advisors. WithCoverage offers a no-cost audit that reviews property alongside a client’s other policies, without requiring a broker change. [1](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [8](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management")

## THREE small business insurance: coverage, issuer and buying routes

THREE markets a packaged commercial insurance product through a direct quote route and partner agents. Berkshire Hathaway Direct Insurance Company is named as issuer on THREE’s sample policy. [1](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

[THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three)

## What Is WithCoverage?

WithCoverage suits growing businesses that want a policy audit without first changing brokers, followed by ongoing risk-manager support; firms seeking instant self-service should compare digital agencies. Its review compares coverage, limits and premiums with market benchmarks. [4](https://www.withcoverage.com/ "Commercial Insurance & Risk Management") [5](https://www.withcoverage.com/company "About WithCoverage") [6](https://www.withcoverage.com/announcement "WithCoverage Raises $42M Series B")

[WithCoverage profile](https://spot.insure/insurance-providers/withcoverage)

## What Is Commercial Property Insurance?

Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop "Business Interruption Insurance/Businessowner’s Policies (BOP)") [12](https://www.tdi.texas.gov/pubs/consumer/cb021.html "Commercial property insurance guide")

## Key Differences in Commercial Property Insurance

### Quote a package or review an existing program

THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help. WithCoverage instead offers a no-cost program audit that includes property and can be done without leaving the current broker; it says the audit is typically completed about one business day after policy documents arrive. If you are renewing, the audit gives you a review path before moving placements; THREE gives you a package-quote path. [1](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [9](https://www.withcoverage.com/legal/terms "Terms & Conditions")

THREE’s sample policy identifies Berkshire Hathaway Direct Insurance Company as issuer. WithCoverage’s reviewed pages describe it as a broker that can review and place property as part of a broader program, but do not identify the insurer for a client’s placement. Ask WithCoverage to name the proposed carrier and confirm whether its audit leads to a new placement or recommendations for your current broker. [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management")

### What the published property detail establishes

THREE lists Property among the categories marketed in its Business Owners Policy, while WithCoverage says it reviews property policies line by line during an audit. Neither claim specifies the property limit or deductible for an individual buyer. You will need the quote or reviewed policy schedule to compare insured locations, covered property, valuation, and business-income terms. [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [8](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management")

WithCoverage’s cited construction-client example describes savings on a combined Property and Inland Marine program, while THREE’s reviewed material describes its product and quote route rather than a client outcome. Treat that testimonial as a specific example, not a prediction for your account; ask for the audit findings and proposed premiums for your own locations. [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [1](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

## What to Confirm in Commercial Property Insurance Quotes

- For THREE, which properties and property sublimits are included in the quoted Business Owners Policy, and what deductibles apply? [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")
- For WithCoverage, will the audit only review your current property policy or also produce a replacement quote, and which insurer would issue any new placement? [9](https://www.withcoverage.com/legal/terms "Terms & Conditions")

## Offering Details

| Criteria | THREE Business Owners Policy | WithCoverage Commercial Property Program Review |
| --- | --- | --- |
| Role in This Line | THREE presents Property as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Company-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant..) | WithCoverage is a broker, not an insurer; it reviews and can place commercial property coverage as part of a client's broader insurance program rather than underwriting the risk itself. [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [9](https://www.withcoverage.com/legal/terms "Terms & Conditions") (Evidence: Company-reported; scope: Construction and consumer industry pages; terms confirm the issuing insurer, not WithCoverage, is responsible for policy obligations..) |
| Issuing Insurer | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: 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..) | The reviewed pages do not name which insurer or insurers WithCoverage places commercial property coverage with for any given client. [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [8](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management") (Evidence: Not found in reviewed sources; scope: Construction and consumer pages as read on 2026-09-23..) |
| Who It’s For | The reviewed product page does not state separate eligibility rules for Property; the general quote and advisor route is not proof that a particular business qualifies for it. [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [1](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms..) | Confirm in your quote. |
| Coverage Features | THREE's Business Owners Policy page lists Property 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Official THREE package marketing for Property. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy..) | Property is explicitly listed among the policies WithCoverage says it reviews line by line during a program audit, alongside General Liability, Product Liability, Workers' Comp and umbrella. [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [8](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management") (Evidence: Company-reported; scope: Program-audit FAQ, repeated identically on both the construction and consumer pages..) |
| Limits and Retentions | The reviewed public product page does not state a separate limit or deductible for Property; THREE says the quote-specific insurance summary lists limits and deductibles. [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible..) | Confirm in your quote. |
| Risk Services | Confirm in your quote. | A named construction client, Lonnie Lischka Company, is quoted saying WithCoverage delivered over $80,000 in annual savings specifically on its Property and Inland Marine program, and moved the account's insurance program and reissued more than 300 certificates of insurance in a single day before renewal. [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") (Evidence: Company-reported; scope: Customer testimonial on the construction industry page; a single client's self-reported experience, not an independently verified or typical outcome..) |
| How to Apply | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. [1](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: This is the route for the overall THREE product. It does not show whether Property will be offered for a particular business or whether a customer can bind that line without an issued policy..) | WithCoverage offers a no-cost program audit that includes property coverage without requiring a client to leave its current broker, typically completed in about one business day after receiving policy documents. [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [8](https://www.withcoverage.com/industries/consumer "Consumer Insurance & Risk Management") (Evidence: Company-reported; scope: Construction and consumer page FAQs..) |

## Full Comparison

- [THREE by Berkshire Hathaway vs WithCoverage](https://spot.insure/compare/three-vs-withcoverage): all coverage lines, business roles, service and claims.
- [What Is Commercial Property Insurance?](https://spot.insure/coverage/commercial-property): Commercial property insurance can protect buildings, equipment and inventory, while valuation, deductibles, exclusions and income protection affect your cost after a loss.
- [THREE by Berkshire Hathaway vs WithCoverage General Liability Insurance](https://spot.insure/compare/three-vs-withcoverage/general-liability)
- [THREE by Berkshire Hathaway vs WithCoverage Workers’ Compensation Insurance](https://spot.insure/compare/three-vs-withcoverage/workers-compensation)
- [AIG vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/aig-vs-three/commercial-property)
- [AIG vs WithCoverage Commercial Property Insurance](https://spot.insure/compare/aig-vs-withcoverage/commercial-property)
- [Alliance Risk vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-property)
- [Alliance Risk vs WithCoverage Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-withcoverage/commercial-property)
- [Aon vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/aon-vs-three/commercial-property)
- [Aon vs WithCoverage Commercial Property Insurance](https://spot.insure/compare/aon-vs-withcoverage/commercial-property)

## Sources

### THREE by Berkshire Hathaway

1. [Jargon-free small business insurance - THREE by Berkshire Hathaway](https://threeinsurance.com/). Berkshire Hathaway Direct Insurance Company, dba THREE; Lines 23, 39, 70–81 and 406–410: business location quote entry, single-policy description, issuer, business focus, online quote and licensed Small Business Advisor route. Quote entry inspected without submitting a form.. Accessed 2026-09-30.
2. [The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway](https://threeinsurance.com/the-policy). Berkshire Hathaway Direct Insurance Company, dba THREE; State-selectable sample policy: Summary (Declarations) identifies Berkshire Hathaway Direct Insurance Company as issuer and says the insurance summary lists limits and deductibles; sample policy text and state selection do not establish terms for a particular quote or issued policy.. Accessed 2026-09-30.
3. [Business Owners Policy - THREE by Berkshire Hathaway](https://threeinsurance.com/business-owners-policy). Berkshire Hathaway Direct Insurance Company, dba THREE; Product page: “No need for multiple policies” and one comprehensive policy; Business Liability, Property and Business Auto categories and the listed line names. Product page footer identifies Berkshire Hathaway Direct Insurance Company, dba THREE.. Accessed 2026-09-30.

### WithCoverage

4. [Commercial Insurance & Risk Management](https://www.withcoverage.com/). WithCoverage; Industry navigation; Your Risk Management Team; AI Analyzes; One Digital Platform tabs and policy-management showcase. Accessed 2026-09-15.
5. [About WithCoverage](https://www.withcoverage.com/company). WithCoverage; Opening description of risk management for businesses without an in-house team. Accessed 2026-09-15.
6. [WithCoverage Raises $42M Series B](https://www.withcoverage.com/announcement). WithCoverage; Founders’ letter: WithCoverage fixes this in 3 key ways; complimentary risk assessment. Accessed 2026-09-15.
7. [Construction Insurance & Risk Management](https://www.withcoverage.com/industries/construction). WithCoverage; Lonnie Lischka Company testimonial: "$80K in annual savings on our Property and Inland Marine program"; Have Questions? program-audit FAQ listing Property among reviewed policies. Accessed 2026-09-23.
8. [Consumer Insurance & Risk Management](https://www.withcoverage.com/industries/consumer). WithCoverage; Have Questions? program-audit FAQ listing Property among reviewed policies. Accessed 2026-09-23.
9. [Terms & Conditions](https://www.withcoverage.com/legal/terms). WithCoverage; Section 8 Insurance Products: coverage subject to underwriting, carrier terms and policy documents. Accessed 2026-09-23.

### Commercial Property Insurance Guide

10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; What Should I Expect from a Broker-Agent; Commercial Property: Coverage Sections, Limits of Insurance, and Coinsurance; Covered Causes of Loss; Valuation Types; Inland Marine. Accessed 2026-09-16.
11. [Business Interruption Insurance/Businessowner’s Policies (BOP)](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16.
12. [Commercial property insurance guide](https://www.tdi.texas.gov/pubs/consumer/cb021.html). Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your insurance. 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. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## 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).

## WithCoverage Reviews

Review Score: not enough ratings.

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.

- FeaturedCustomers: Customer reference rating 4.8 (out of 5); 299 reviews. Vendor-supplied customer references on a testimonial-marketing site; not an open consumer review platform. Checked 2026-09-29. [WithCoverage customer reviews and references](https://www.featuredcustomers.com/vendor/withcoverage)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/withcoverage/reviews).

## Agent and Developer Resources

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