--- title: "THREE by Berkshire Hathaway Cyber Insurance" description: "What THREE by Berkshire Hathaway Cyber Insurance covers, how to apply, and its issuing insurer, cited to Berkshire Hathaway Direct Insurance Company, dba THREE’s published sources." canonical: "https://spot.insure/insurance-providers/three/cyber" page-type: "offering-page" updated-at: "2026-09-30" --- 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/cyber) # THREE by Berkshire Hathaway Cyber Insurance THREE Business Owners Policy THREE presents Cyber as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. [1](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.) ## 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.) ## Who It’s For - **Not publicly disclosed.** The reviewed product page does not state separate eligibility rules for Cyber; the general quote and advisor route is not proof that a particular business qualifies for it. [1](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [3](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Scope: Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms.) ## Coverage Features - THREE's Business Owners Policy page lists Cyber Liability 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. [1](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 Cyber. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy.) ## Limits and Retentions - **Not publicly disclosed.** The reviewed public product page does not state a separate limit or deductible for Cyber; THREE says the quote-specific insurance summary lists limits and deductibles. [1](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") (Scope: No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible.) ## How to Apply - THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. [3](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 Cyber will be offered for a particular business or whether a customer can bind that line without an issued policy.) ## Other THREE by Berkshire Hathaway Coverage Lines - [THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/insurance-providers/three/business-owners-policy) - [THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/insurance-providers/three/commercial-auto) - [THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/insurance-providers/three/commercial-property) - [THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/insurance-providers/three/directors-officers) - [THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/insurance-providers/three/employment-practices) - [THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/insurance-providers/three/equipment-breakdown) - [THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/insurance-providers/three/fiduciary) - [THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/insurance-providers/three/general-liability) - [THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/insurance-providers/three/inland-marine) - [THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/insurance-providers/three/liquor-liability) - [THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/three/professional-errors-omissions) - [THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/insurance-providers/three/workers-compensation) ## Related - [THREE by Berkshire Hathaway Profile](https://spot.insure/insurance-providers/three) - [THREE by Berkshire Hathaway Reliability](https://spot.insure/insurance-providers/three/reliability) - [THREE by Berkshire Hathaway Alternatives](https://spot.insure/insurance-providers/three/alternatives) - [Coverage Guide: Cyber liability](https://spot.insure/coverage/cyber) ## Sources 1. [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. 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. [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. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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/cyber.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)