THREE small business insurance: coverage, issuer and buying routes

Who THREE May Fit

THREE may suit small-business owners who want to compare several commercial coverage categories through one packaged quote and choose between a direct quote route and partner-agent support. Its public page describes a combined product, while the exact protections and availability depend on the buyer’s business, state and issued policy. Ask for the declarations and forms that apply before comparing price or relying on a coverage label. ^1 10

Pros and Cons

Pros

• THREE groups several commercial coverage categories on one product page, giving buyers a single starting point for a quote comparison. The list does not establish that every category is available to each business. ¹⁰
• Buyers can start a quote online or seek advisor help; partner agents have a separate platform for quoting, binding and issuing policies. The direct quote page does not itself establish customer self-binding. ^1 6

Cons

• The equipment-breakdown label needs a careful form check because the displayed sample contains a material equipment exclusion. Compare the quoted protection and issued form. ²
• The sample’s business-interruption waiting period and duration are only examples; state forms and issued terms can differ. ²

Coverage and Policy Forms

THREE’s product page lists categories within a combined policy. It places hired/non-owned and cargo liability beneath Business Auto; that does not establish a separate standalone HNOA or broad cargo/transit policy. Liquor liability is listed “if required.”

THREE’s Business Owners Policy page presents general liability, professional errors and omissions, directors and officers, employment practices, fiduciary, liquor liability “if required,” commercial property, equipment breakdown, inland marine, business interruption, business auto, cyber/data-breach and workers’ compensation as categories within one combined policy. It lists cargo liability and hired/non-owned beneath Business Auto, not as standalone product promises. For equipment breakdown, the displayed sample policy separately excludes equipment, machinery or listed vehicles that stop without an accident; the combined marketing label should not be read as a separate equipment-breakdown product. These are marketing labels; the quote, state-specific issued declarations, forms and endorsements determine protection and availability. ^10,2Company-reported. Current U.S. THREE public Business Owners Policy page and benefits page accessed 2026-09-29. These are brand marketing sources; eligibility, state availability, policy forms, limits and endorsements depend on quote and issued documents. Cargo liability and hired/non-owned auto are listed within business auto and are not represented as separate transit or HNOA product memberships.

THREE’s displayed sample illustrates why buyers should compare stated limits, waiting periods and exclusions with their own declarations and issued forms.

In THREE’s displayed sample, Business Interruption follows a covered property loss the insurer pays. Payment starts after the waiting period shown in the declarations and ends when normal operations resume or an applicable Business Interruption limit is reached. The sample declarations show up to one year and a three-day waiting period. This sample does not establish terms for every policy; the issued declarations, form and endorsements control. ²Company-reported. The single sample form published on THREE’s policy page, accessed 2026-09-29; sample limits are redacted and state forms may differ. Not a quote or universal policy term.

THREE’s displayed sample is one illustration, not a universal contract. The sample says conflicting terms are amended to meet applicable state-law minimums. Issued declarations, state form, endorsements and exclusions govern the buyer’s policy. ²Company-reported. Company sample-policy page accessed 2026-09-29; sample form with redacted limits, not a binding quote or universal form.

Who Issues the Policy

THREE’s FAQ describes THREE as a product rather than a separate insurance company. Its site identifies Berkshire Hathaway Direct Insurance Company (BHDIC) as doing business as THREE, and its sample policy names BHDIC as issuer. Berkshire Hathaway’s published company list shows BHDIC (THREE), Berkshire Hathaway Specialty Insurance and biBERK separately; their identities and financial evidence should not be treated as interchangeable. The quote and issued declarations identify the entity and forms for a particular purchase.

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.

Quotes, Service and Claims

THREE provides an online quote route and advisor assistance. Partner agencies use a separate platform that THREE describes as supporting quote, bind and issue. These routes have different roles.

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.

The company describes policy changes through My THREE Online or an advisor, claim reporting online or by phone, and an account manager as a claim contact after submission. These are stated service routes, not evidence of response times or claims outcomes.

THREE says policyholders can submit policy-change requests through My THREE Online or contact a Small Business Advisor. Its FAQ lists account/contact and billing tasks, vehicle and location changes, and certificate requests; it says vehicle and location requests are reviewed and processed by its team. The page does not establish automatic approval or effective dates for changes. ³Company-reported. Company-described servicing routes and request types for THREE policyholders; submitted requests may be reviewed and processed, and approval/effective dates are not established.

THREE says policyholders can report a claim online through My THREE Online or by phone; after submission, it assigns an account manager as the contact for claim questions and updates. ^5,3Company-reported. Company-described claims intake and communication process. This does not establish claim outcomes, speed, or quality, and coverage remains subject to the policy.

THREE describes a one-year policy term. Its payment terms say automatic bank drafts renew if the customer renews the policy; they do not say the policy itself renews automatically or explain the full renewal-offer process.

THREE describes its policy as a one-year term. Its payment terms say automatic bank-draft authorization renews if the customer renews the policy; they do not say that the policy itself renews automatically or explain the complete renewal-offer process. ^3,4Company-reported. Published FAQ and payment terms reviewed 2026-09-28. Renewal administration beyond payment authorization was not established from these pages.

Customer Ratings and Complaints

Trustpilot displayed 2.5/5 from five self-selected posts; posts allege lapse-notification and certificate-service problems. On September 29, 2026, BBB displayed 4.8/5 from 265 customer reviews. These platform posts include different purchase, service and sales-agent/intermediary interactions; they do not form a verified common policyholder or claims-outcome cohort. BBB separately listed 26 complaints in three years, including seven complaints closed in the prior twelve months. The measures have different populations and methods; neither establishes claims quality or a representative customer experience. See the THREE reviews page for separate measures and limitations.