--- title: "THREE by Berkshire Hathaway Equipment Breakdown Insurance" description: "What THREE by Berkshire Hathaway Equipment Breakdown 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/equipment-breakdown" 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/equipment-breakdown) # THREE by Berkshire Hathaway Equipment Breakdown Insurance THREE Business Owners Policy THREE presents Equipment Breakdown 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 Equipment Breakdown; 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 Equipment Breakdown, while its sample policy also excludes some machinery, equipment, or listed vehicles that stop without an accident. The public materials do not establish how an offered equipment-breakdown item changes that sample exclusion. [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: Company marketing and the displayed sample policy only; the selected quote, state-specific forms, and endorsements determine whether a specific equipment breakdown loss is covered.) ## Limits and Retentions - **Not publicly disclosed.** The reviewed public product page does not state a separate limit or deductible for Equipment Breakdown; 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 Equipment Breakdown 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 Cyber Insurance](https://spot.insure/insurance-providers/three/cyber) - [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 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: Equipment breakdown](https://spot.insure/coverage/equipment-breakdown) ## 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/equipment-breakdown.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)