--- title: "THREE small business insurance: coverage, issuer and buying routes" description: "What small businesses should know about THREE’s packaged commercial insurance, its issuing insurer and quote options." canonical: "https://spot.insure/insurance-providers/three" page-type: "provider-profile" updated-at: "2026-09-29" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-providers/three) # THREE small business insurance: coverage, issuer and buying routes What small businesses should know about THREE’s packaged commercial insurance, its issuing insurer and quote options. ## Before You Quote Ask about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business. ## Company Details - **Company:** THREE by Berkshire Hathaway - **Stated focus:** THREE markets packaged commercial insurance for small businesses through a direct quote route and partner-agent platform. Eligibility and availability are quote- and state-specific; its annual report discussion describes the small and medium business focus jointly for BH Direct and GUARD, not BHDIC alone. - **Official website:** [threeinsurance.com](https://threeinsurance.com/) ### Coverage Offered - [Business owner’s policy](https://spot.insure/coverage/business-owners-policy): Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [2](https://threeinsurance.com/the-policy "The Policy") - [Commercial auto](https://spot.insure/coverage/commercial-auto): Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [2](https://threeinsurance.com/the-policy "The Policy") - [Commercial property](https://spot.insure/coverage/commercial-property): Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [2](https://threeinsurance.com/the-policy "The Policy") - [Cyber liability](https://spot.insure/coverage/cyber): Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [2](https://threeinsurance.com/the-policy "The Policy") - [Directors and officers](https://spot.insure/coverage/directors-officers): Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") - [Employment practices liability](https://spot.insure/coverage/employment-practices): Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") - [Equipment breakdown](https://spot.insure/coverage/equipment-breakdown): THREE 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. [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [2](https://threeinsurance.com/the-policy "The Policy") - [Fiduciary liability](https://spot.insure/coverage/fiduciary): Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") - [General liability](https://spot.insure/coverage/general-liability): Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [2](https://threeinsurance.com/the-policy "The Policy") - [Liquor liability](https://spot.insure/coverage/liquor-liability): Marketed within THREE’s combined commercial policy if required; the quote and issued form determine availability and protection. [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") - [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions): Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") - [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine): Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") - [Workers’ compensation](https://spot.insure/coverage/workers-compensation): Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [2](https://threeinsurance.com/the-policy "The Policy") ## Reliability Assessment Role: Insurance carrier. Carrier & MGA Spot Score: **Not Rated**. Assessed 2026-09-29; review due 2027-03-29. Read the [full reliability assessment](https://spot.insure/insurance-providers/three/reliability). ## 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). ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage. ## 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](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") ## 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") - 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](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [6](https://threeinsurance.com/become-a-three-partner "Become a THREE Partner") ### 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](https://threeinsurance.com/the-policy "The Policy") - The sample’s business-interruption waiting period and duration are only examples; state forms and issued terms can differ. [2](https://threeinsurance.com/the-policy "The Policy") ## 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [2](https://threeinsurance.com/the-policy "The Policy") (Evidence: Company-reported; scope: 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.; verified: 2026-09-29.) 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. [2](https://threeinsurance.com/the-policy "The Policy") (Evidence: Company-reported; scope: 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.; verified: 2026-09-29.) 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. [2](https://threeinsurance.com/the-policy "The Policy") (Evidence: Company-reported; scope: Company sample-policy page accessed 2026-09-29; sample form with redacted limits, not a binding quote or universal form.; verified: 2026-09-29.) ## 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](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [2](https://threeinsurance.com/the-policy "The Policy") [3](https://threeinsurance.com/faqs "FAQs: Understanding THREE") (Evidence: Company-reported; scope: 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.; verified: 2026-09-28.) 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](https://www.berkshirehathaway.com/subs/sublinks.html "Links to Berkshire Hathaway Subsidiary Companies") [7](https://www.berkshirehathaway.com/2025ar/202510-k.pdf "Berkshire Hathaway Inc. 2025 Annual Report / Form 10-K") (Evidence: Company-reported; scope: 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.; verified: 2026-09-28.) ## 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](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [3](https://threeinsurance.com/faqs "FAQs: Understanding THREE") (Evidence: Company-reported; scope: U.S. business insurance quote application. Company-described online and phone process; no customer form was submitted and no binding outcome was tested.; verified: 2026-09-28.) 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. [6](https://threeinsurance.com/become-a-three-partner "Become a THREE Partner") (Evidence: Company-reported; scope: 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.; verified: 2026-09-28.) 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. [3](https://threeinsurance.com/faqs "FAQs: Understanding THREE") (Evidence: Company-reported; scope: Company-described servicing routes and request types for THREE policyholders; submitted requests may be reviewed and processed, and approval/effective dates are not established.; verified: 2026-09-28.) 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](https://threeinsurance.com/claims "Filing a Claim: Call to get started") [3](https://threeinsurance.com/faqs "FAQs: Understanding THREE") (Evidence: Company-reported; scope: Company-described claims intake and communication process. This does not establish claim outcomes, speed, or quality, and coverage remains subject to the policy.; verified: 2026-09-28.) 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](https://threeinsurance.com/faqs "FAQs: Understanding THREE") [4](https://threeinsurance.com/terms-conditions "Terms & Conditions") (Evidence: Company-reported; scope: Published FAQ and payment terms reviewed 2026-09-28. Renewal administration beyond payment authorization was not established from these pages.; verified: 2026-09-28.) ## Customer Ratings and Complaints [Trustpilot displayed 2.5/5 from five self-selected posts](https://uk.trustpilot.com/review/threeinsurance.com); posts allege lapse-notification and certificate-service problems. On September 29, 2026, [BBB displayed 4.8/5 from 265 customer reviews](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/customer-reviews?page=1). 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](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/complaints). The measures have different populations and methods; neither establishes claims quality or a representative customer experience. See the [THREE reviews page](/insurance-providers/three/reviews) for separate measures and limitations. ## Comparisons - [THREE by Berkshire Hathaway vs AIG](https://spot.insure/compare/aig-vs-three) - [THREE by Berkshire Hathaway vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-three) - [THREE by Berkshire Hathaway vs Amelia Risk](https://spot.insure/compare/amelia-risk-vs-three) - [THREE by Berkshire Hathaway vs Aon](https://spot.insure/compare/aon-vs-three) - [THREE by Berkshire Hathaway vs Armilla](https://spot.insure/compare/armilla-vs-three) - [THREE by Berkshire Hathaway vs At-Bay](https://spot.insure/compare/at-bay-vs-three) - [THREE by Berkshire Hathaway vs The Baldwin Group](https://spot.insure/compare/baldwin-vs-three) - [THREE by Berkshire Hathaway vs Beazley](https://spot.insure/compare/beazley-vs-three) - [THREE by Berkshire Hathaway vs Berkshire Hathaway Specialty Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three) - [THREE by Berkshire Hathaway vs biBerk](https://spot.insure/compare/biberk-vs-three) - [THREE by Berkshire Hathaway vs CFC](https://spot.insure/compare/cfc-vs-three) - [THREE by Berkshire Hathaway vs Chubb](https://spot.insure/compare/chubb-vs-three) - [THREE by Berkshire Hathaway vs CNA](https://spot.insure/compare/cna-vs-three) - [THREE by Berkshire Hathaway vs Coalition](https://spot.insure/compare/coalition-vs-three) - [THREE by Berkshire Hathaway vs Corgi](https://spot.insure/compare/corgi-vs-three) - [THREE by Berkshire Hathaway vs Coterie Insurance](https://spot.insure/compare/coterie-vs-three) - [THREE by Berkshire Hathaway vs Counterpart](https://spot.insure/compare/counterpart-vs-three) - [THREE by Berkshire Hathaway vs Coverdash](https://spot.insure/compare/coverdash-vs-three) - [THREE by Berkshire Hathaway vs Cowbell](https://spot.insure/compare/cowbell-vs-three) - [THREE by Berkshire Hathaway vs Embroker](https://spot.insure/compare/embroker-vs-three) - [THREE by Berkshire Hathaway vs Founder Shield](https://spot.insure/compare/foundershield-vs-three) - [THREE by Berkshire Hathaway vs Foxquilt](https://spot.insure/compare/foxquilt-vs-three) - [THREE by Berkshire Hathaway vs Gallagher](https://spot.insure/compare/gallagher-vs-three) - [THREE by Berkshire Hathaway vs Harper](https://spot.insure/compare/harper-vs-three) - [THREE by Berkshire Hathaway vs Heffernan Insurance Brokers](https://spot.insure/compare/heffernan-vs-three) - [THREE by Berkshire Hathaway vs Hiscox](https://spot.insure/compare/hiscox-vs-three) - [THREE by Berkshire Hathaway vs HUB International](https://spot.insure/compare/hub-international-vs-three) - [THREE by Berkshire Hathaway vs Insureon](https://spot.insure/compare/insureon-vs-three) - [THREE by Berkshire Hathaway vs Kinro](https://spot.insure/compare/kinro-vs-three) - [THREE by Berkshire Hathaway vs Layr](https://spot.insure/compare/layr-vs-three) - [THREE by Berkshire Hathaway vs Liberty Mutual](https://spot.insure/compare/liberty-mutual-vs-three) - [THREE by Berkshire Hathaway vs Lockton](https://spot.insure/compare/lockton-vs-three) - [THREE by Berkshire Hathaway vs Markel Insurance](https://spot.insure/compare/markel-vs-three) - [THREE by Berkshire Hathaway vs Marsh McLennan Agency](https://spot.insure/compare/marsh-mclennan-agency-vs-three) - [THREE by Berkshire Hathaway vs Marsh](https://spot.insure/compare/marsh-vs-three) - [THREE by Berkshire Hathaway vs Mylo](https://spot.insure/compare/mylo-vs-three) - [THREE by Berkshire Hathaway vs Nationwide](https://spot.insure/compare/nationwide-vs-three) - [THREE by Berkshire Hathaway vs Newfront](https://spot.insure/compare/newfront-vs-three) - [THREE by Berkshire Hathaway vs ERGO NEXT Insurance](https://spot.insure/compare/next-insurance-vs-three) - [THREE by Berkshire Hathaway vs Pie Insurance](https://spot.insure/compare/pie-insurance-vs-three) - [THREE by Berkshire Hathaway vs Relm Insurance](https://spot.insure/compare/relm-vs-three) - [THREE by Berkshire Hathaway vs Resilience](https://spot.insure/compare/resilience-vs-three) - [THREE by Berkshire Hathaway vs RiskCube](https://spot.insure/compare/riskcube-vs-three) - [THREE by Berkshire Hathaway vs Risklytics](https://spot.insure/compare/risklytics-vs-three) - [THREE by Berkshire Hathaway vs Simply Business](https://spot.insure/compare/simply-business-vs-three) - [THREE by Berkshire Hathaway vs StartupInsurance.ai](https://spot.insure/compare/startupinsurance-vs-three) - [THREE by Berkshire Hathaway vs TechInsurance](https://spot.insure/compare/techinsurance-vs-three) - [THREE by Berkshire Hathaway vs The Hartford](https://spot.insure/compare/the-hartford-vs-three) - [THREE by Berkshire Hathaway vs Travelers](https://spot.insure/compare/three-vs-travelers) - [THREE by Berkshire Hathaway vs USI Insurance Services](https://spot.insure/compare/three-vs-usi) - [THREE by Berkshire Hathaway vs Vouch](https://spot.insure/compare/three-vs-vouch) - [THREE by Berkshire Hathaway vs WithCoverage](https://spot.insure/compare/three-vs-withcoverage) - [THREE by Berkshire Hathaway vs WTW](https://spot.insure/compare/three-vs-wtw) - [THREE by Berkshire Hathaway vs Zurich U.S.](https://spot.insure/compare/three-vs-zurich) ## Sources ### [THREE by Berkshire Hathaway Official Website](https://threeinsurance.com/) 1. [THREE by Berkshire Hathaway — small business insurance](https://threeinsurance.com/). 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. 2. [The Policy](https://threeinsurance.com/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. 3. [FAQs: Understanding THREE](https://threeinsurance.com/faqs). 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. 4. [Terms & Conditions](https://threeinsurance.com/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. 5. [Filing a Claim: Call to get started](https://threeinsurance.com/claims). 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. 6. [Become a THREE Partner](https://threeinsurance.com/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. 7. [Berkshire Hathaway Inc. 2025 Annual Report / Form 10-K](https://www.berkshirehathaway.com/2025ar/202510-k.pdf). 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. 8. [Links to Berkshire Hathaway Subsidiary Companies](https://www.berkshirehathaway.com/subs/sublinks.html). Berkshire Hathaway Inc.; Published subsidiary-company list; BHDIC (THREE), BHSI, and biBERK shown separately, lines 11–16. Accessed 2026-09-28. 9. [THREE online quote application](https://quotes.threeinsurance.com/). 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. 10. [Business Owners Policy | THREE](https://threeinsurance.com/business-owners-policy). 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. 11. [Benefits | THREE](https://threeinsurance.com/benefits). 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. 12. [THREE logo SVG](https://threeinsurance.com/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. Updated 2026-09-29. Spot is a product of Tools for Enlightenment and participates in the commercial-insurance market. This article uses public sources; provider statements and customer allegations are identified as such. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-providers/three.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)