THREE by Berkshire Hathaway vs Zurich U.S.: How Do They Compare for Inland Marine Insurance?

THREE presents Inland Marine 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.

Zurich markets inland marine coverage through its construction property and inland marine offering; its page identifies construction-focused coverage options rather than a general-purpose product for every business. ⁶Company-reported. Zurich U.S. construction segment marketing. The issuing company for an individual quote must be confirmed in its declarations.

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.

The reviewed construction inland-marine pages do not name the insurer that would issue a particular buyer's policy. ⁶Not publicly disclosed. Confirm the issuing legal entity and applicable state form in the quote and issued declarations.

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

Zurich names property and inland marine options for construction customers, including Z-PRIME, a Contractor’s Inland Marine Package, and monoline Contractor’s Equipment. ⁶Company-reported. Product examples within Zurich's construction practice; they do not establish eligibility for a particular contractor, project, or state.

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

Zurich describes construction inland marine as protecting mobile equipment, tools, and materials as they move to, from, and within job sites; the page also discusses transit and temporary storage. ^7,6Company-reported. Company-described construction exposures only. Covered property, causes of loss, and any inland-marine extensions depend on the selected program and issued wording.

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

The reviewed product overview does not set a buyer-specific inland-marine limit, retention, or deductible. ⁶Not publicly disclosed. The selected construction program, submitted values, quote, and issued wording determine the actual amounts and conditions.

Confirm in your quote.

The construction page describes Risk Engineering and Claims services for customers managing construction risks and loss events. ⁶Company-reported. Company-described services for the construction practice; the page does not state that a specific service is included with every inland-marine placement.

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

Zurich directs commercial buyers to agents or brokers to discuss construction coverage. ⁵Company-reported. The official broker locator describes a distribution route, not whether a specific project qualifies or a policy will be issued.