Alternatives to THREE for Small-Business Insurance
THREE describes one combined commercial policy with multiple coverage categories and a direct quote route. When comparing other options, first match the business, state, requested protection and issuing insurer; a shared marketing label alone does not establish equivalent coverage.
Absence from our documented catalogue does not establish that a coverage line is unavailable from a provider; it means our research does not yet document it.
What Should You Weigh When Choosing an Alternative to THREE by Berkshire Hathaway?
Compare the actual forms and exclusions. THREE’s sample says business interruption follows a property loss it pays, begins after the declarations’ waiting period and ends when normal operations resume or a limit is reached; the sample excludes equipment or machinery stopping without an accident. Other quotes should be checked against the buyer’s specific loss scenarios. 2
Check how the quote is completed and who can bind it. THREE describes an online quote flow, advisor support and a separate partner-agent platform. Ask each provider which legal company issues the policy and when coverage becomes effective. 3,4,2
The comparison table below is generated by joining published provider profiles and shared marketing categories. A displayed overlap is a discovery aid, not proof that forms, limits, eligibility or standalone availability match; request both quotes and policy forms before choosing. 1,2
THREE by Berkshire Hathaway Alternatives for Business Owner’s Policy
Alliance Risk arranges business owner’s policies.
Reliability Score5.8/ 10Amelia Risk arranges business owner’s policies for startups.
Reliability Score5.1/ 10- Reliability Score
Chubb offers business owner’s policies for eligible small businesses with up to $30 million in revenue.
Reliability Score6.4/ 10- Reliability Score
Corgi lists a business owner’s policy in its coverage catalog.
Reliability ScoreCoterie offers a business owner’s policy through its agent channel.
Reliability Score5.1/ 10Coverdash lists a business owner’s policy in its coverage hub.
Reliability Score5.1/ 10Embroker lists a business owner’s policy with a quote route.
Reliability Score5.1/ 10ERGO NEXT markets a business owner’s policy.
Reliability Score5.8/ 10Foxquilt’s About page lists Business Owner’s Policy among “Our Primary Coverages”; no current BOP-specific terms or bundled contents are established here.
Reliability ScoreGallagher arranges business owner’s policies for small businesses.
Reliability Score5.5/ 10Harper accepts business owner’s policy inquiries through its coverage intake.
Reliability Score5.9/ 10Heffernan arranges business owner’s policies for small businesses.
Reliability Score5.0/ 10Hiscox offers business owner’s policies for small businesses.
Reliability Score6.1/ 10HUB International arranges business owner’s policies for small and midsized businesses.
Reliability Score5.5/ 10Insureon markets Business Owner’s Policy (BOP); description does not establish insurer, policy terms, or individual availability.
Reliability ScoreKinro lists a business owner’s policy in its product catalog.
Reliability Score5.0/ 10- Reliability Score
Mylo lists a business owner’s policy among its business insurance products.
Reliability Score5.0/ 10Nationwide markets a BOP for eligible small businesses and describes property and liability elements with optional additions; actual coverage is controlled by policy forms.
Reliability ScorePie accepts business owner’s policy quote requests.
Reliability Score5.8/ 10- Reliability Score
TechInsurance arranges business owner’s policies for small businesses.
Reliability Score5.0/ 10The Hartford offers business owner’s policies combining property and liability coverage.
Reliability Score7.3/ 10Travelers offers business owner’s policies for small technology-services businesses.
Reliability Score6.1/ 10
THREE by Berkshire Hathaway Alternatives for Commercial Auto Insurance
AIG Truck Insurance Group commercial auto (scoped to for-hire trucking)
Reliability ScoreAlliance Risk arranges commercial auto insurance.
Reliability Score5.8/ 10Amelia Risk arranges commercial auto insurance for consumer-product businesses.
Reliability Score5.1/ 10Aon lists automobile liability within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established.
Reliability Score6.7/ 10- Reliability Score
Chubb offers commercial auto insurance.
Reliability Score6.4/ 10- Reliability Score
Corgi links to trucking auto-liability coverage from its transportation menu.
Reliability ScoreCoverdash lists commercial auto in its coverage catalog and invites quote requests.
Reliability Score5.1/ 10Embroker offers help obtaining commercial auto insurance and invites quote requests.
Reliability Score5.1/ 10Commercial auto product page; HNOA is not split out.
Reliability ScoreGallagher arranges commercial auto insurance for small businesses.
Reliability Score5.5/ 10Harper lists commercial auto insurance and describes approaching insurers for customers.
Reliability Score5.9/ 10Heffernan arranges commercial auto insurance.
Reliability Score5.0/ 10HUB International arranges commercial auto insurance.
Reliability Score5.5/ 10Insureon markets Commercial Auto; description does not establish insurer, policy terms, or individual availability.
Reliability ScoreAs of September 16, 2026, Kinro lists commercial auto and describes matching business details to carrier appetite.
Reliability Score5.0/ 10- Reliability Score
Lockton arranges commercial auto insurance.
Reliability Score5.6/ 10- Reliability Score
As of September 16, 2026, Mylo invites commercial-auto quote requests and describes comparing policies from multiple insurers.
Reliability Score5.0/ 10Nationwide lists commercial auto in its small-business product catalogue. We couldn’t review the dedicated product page, so no vehicle, driver, or state terms are inferred.
Reliability ScoreAs of September 16, 2026, Newfront lists auto liability within its casualty placement services.
Reliability Score5.0/ 10StartupInsurance.ai arranges commercial auto insurance for startups.
Reliability Score4.9/ 10TechInsurance arranges commercial auto insurance for small businesses.
Reliability Score5.0/ 10Listed for government-contracting, transportation and digital-infrastructure exposures.
Reliability ScoreThe Hartford offers commercial auto insurance as a business coverage; small businesses cannot currently buy it online and may be quoted through a local agency.
Reliability Score7.3/ 10Travelers offers commercial auto insurance.
Reliability Score6.1/ 10USI arranges commercial auto insurance.
Reliability Score5.3/ 10Zurich markets commercial auto for rental fleets; the reviewed source does not establish the same terms for all commercial-auto classes.
Reliability Score
THREE by Berkshire Hathaway Alternatives for Commercial Property
AIG Commercial Property / Retail Property
Reliability ScoreAlliance Risk arranges property insurance.
Reliability Score5.8/ 10Aon describes commercial-property brokerage and risk management, with a U.S.-available analytics tool; tool availability does not establish state-specific insurance availability.
Reliability Score6.7/ 10Beazley offers commercial property insurance for mid-sized and large US and Canadian accounts on an excess-and-surplus-lines basis.
Reliability Score6.2/ 10BHSI lists all-risk commercial property and selected single-peril options, including earthquake, flood, and windstorm.
Reliability Score7.0/ 10CFC offers property coverage within its property and casualty product.
Reliability ScoreChubb offers commercial property insurance.
Reliability Score6.4/ 10- Reliability Score
Coverdash lists commercial property in its coverage catalog.
Reliability Score5.1/ 10Embroker offers help obtaining commercial property insurance and invites property quote requests.
Reliability Score5.1/ 10ERGO NEXT sells commercial property insurance as an agency; the issuing insurer is responsible for policy obligations.
Reliability Score5.8/ 10Founder Shield lists property insurance among its core offerings.
Reliability Score5.3/ 10Commercial property product page.
Reliability ScoreGallagher arranges commercial property insurance for small businesses.
Reliability Score5.5/ 10Harper lists commercial property insurance and describes approaching insurance companies for customers.
Reliability Score5.9/ 10Heffernan arranges commercial property insurance.
Reliability Score5.0/ 10HUB International arranges commercial property insurance.
Reliability Score5.5/ 10Insureon markets Commercial Property; description does not establish insurer, policy terms, or individual availability.
Reliability ScoreAs of September 16, 2026, Kinro lists commercial property and describes matching business details to carrier appetite.
Reliability Score5.0/ 10- Reliability Score
Lockton arranges commercial property insurance.
Reliability Score5.6/ 10Markel commercial property
Reliability Score7.1/ 10Marsh arranges property insurance for digital infrastructure, and Marsh McLennan Agency (MMA), a Marsh business, arranges commercial property insurance.
Reliability Score5.6/ 10- Reliability Score
Nationwide markets commercial property for business buildings and contents; property values, covered causes, limits, and exclusions depend on the policy.
Reliability ScoreAs of September 16, 2026, Newfront markets property placement services and review of property and business-interruption values.
Reliability Score5.0/ 10Relm lists commercial property insurance for placement through brokers.
Reliability ScoreRisklytics arranges commercial property insurance for robotics, hardware and AI businesses.
Reliability Score5.4/ 10Offered as part of a BOP, rather than as a standalone policy.
Reliability ScoreStartupInsurance.ai arranges commercial property insurance for startups.
Reliability Score4.9/ 10TechInsurance arranges commercial property insurance for small businesses.
Reliability Score5.0/ 10Listed for real-estate, professional-services and other named commercial sectors.
Reliability ScoreThe Hartford offers commercial property insurance.
Reliability Score7.3/ 10Travelers offers commercial property insurance.
Reliability Score6.1/ 10USI arranges commercial property insurance.
Reliability Score5.3/ 10As of September 16, 2026, Vouch lists business property for health care and life sciences programs.
Reliability Score5.0/ 10As of September 16, 2026, WithCoverage describes auditing property programs and handling carrier transitions, for example for construction businesses.
Reliability Score5.0/ 10WTW markets property insurance for residential real-estate stakeholders and a separate integrated data-center construction and operations program. Program terms and eligible risks require placement-specific confirmation.
Reliability Score7.0/ 10Zurich markets commercial property insurance.
Reliability Score
THREE by Berkshire Hathaway Alternatives for Cyber Insurance
AIG CyberEdge family (CyberEdge, CyberEdge Plus and CyberEdge PC kept distinct)
Reliability ScoreAlliance Risk arranges cyber liability insurance.
Reliability Score5.8/ 10Amelia Risk arranges cyber insurance.
Reliability Score5.1/ 10Aon describes cyber insurance and related brokerage, analytics and claims support; confirm the producing entity, insurer, jurisdiction and policy terms for a U.S. placement.
Reliability Score6.7/ 10At-Bay offers primary and excess cyber insurance for businesses with revenue up to $5 billion.
Reliability Score6.2/ 10Beazley offers cyber insurance for small and midsized businesses.
Reliability Score6.2/ 10BHSI markets a U.S. Network Security & Privacy product with third-party breach, response-expense and network-interruption features; its Professional First overview also describes stand-alone Cyber and blended E&O/Cyber forms. Product form, eligibility, terms and issuer depend on the risk and policy.
Reliability Score7.0/ 10- Reliability Score
CFC offers cyber insurance, including primary and excess products.
Reliability ScoreChubb offers cyber insurance.
Reliability Score6.4/ 10- Reliability Score
Coalition offers cyber insurance.
Reliability Score6.2/ 10Corgi lists cyber insurance among its business insurance offerings.
Reliability ScoreCoverdash lists cyber insurance in its coverage catalog.
Reliability Score5.1/ 10Cowbell offers standalone and excess cyber products through its insurance-agency business.
Reliability Score6.3/ 10Embroker lists cyber insurance with a quote route.
Reliability Score5.1/ 10Founder Shield lists cyber liability among its core offerings.
Reliability Score5.3/ 10Cyber product page; policy terms and limits not established.
Reliability ScoreGallagher arranges cyber insurance.
Reliability Score5.5/ 10Harper lists cyber insurance and describes approaching insurers for customers.
Reliability Score5.9/ 10Heffernan arranges cyber insurance.
Reliability Score5.0/ 10Hiscox offers cyber insurance for small businesses.
Reliability Score6.1/ 10HUB International arranges cyber insurance.
Reliability Score5.5/ 10Insureon markets Cyber Insurance; description does not establish insurer, policy terms, or individual availability.
Reliability ScoreKinro lists cyber liability and compares business details with carrier appetite.
Reliability Score5.0/ 10- Reliability Score
Lockton arranges cyber insurance.
Reliability Score5.6/ 10Markel Cyber 360
Reliability Score7.1/ 10Marsh arranges cyber insurance.
Reliability Score5.6/ 10- Reliability Score
Mylo invites cyber insurance quote requests and compares policies from multiple insurers.
Reliability Score5.0/ 10Nationwide markets cyber liability and data-breach insurance to business customers; quote and policy terms determine eligibility and coverage.
Reliability ScoreNewfront places cyber insurance, negotiates policy wording and provides claims consultation.
Reliability Score5.0/ 10Pie provides access to cyber insurance quotes from carrier partners.
Reliability Score5.8/ 10Relm lists cyber insurance for placement through brokers.
Reliability ScoreResilience markets cyber insurance on a primary or excess basis.
Reliability Score5.0/ 10RiskCube arranges cyber insurance for startups.
Reliability Score5.9/ 10Risklytics arranges cyber insurance for robotics, hardware and AI businesses.
Reliability Score5.4/ 10Add-on for select buyers purchasing another business policy; phone quote route.
Reliability ScoreStartupInsurance.ai arranges cyber insurance for startups.
Reliability Score4.9/ 10TechInsurance arranges cyber insurance for small businesses.
Reliability Score5.0/ 10Listed for named commercial sectors; Baldwin separately describes cyber risk guidance and market/partner access.
Reliability ScoreThe Hartford offers cyber insurance and data-breach coverage.
Reliability Score7.3/ 10Travelers offers cyber insurance through CyberRisk Tech for technology and life-sciences companies.
Reliability Score6.1/ 10USI arranges cyber insurance.
Reliability Score5.3/ 10Vouch lists cyber liability in its technology-company programs.
Reliability Score5.0/ 10WithCoverage reviews cyber exposures in technology-company insurance programs and offers broker-transition support.
Reliability Score5.0/ 10WTW describes cyber protection within its Digital Infrastructure Protector data-center solution, and its 2024 annual report describes cyber insurance solutions as a global group capability. Neither source establishes current standalone U.S. terms or eligibility.
Reliability Score7.0/ 10Zurich markets cyber insurance for businesses; cover and policy form depend on the selected product.
Reliability Score
THREE by Berkshire Hathaway Alternatives for D&O Insurance
AIG Directors & Officers Liability
Reliability ScoreAlliance Risk arranges directors and officers liability insurance.
Reliability Score5.8/ 10Amelia Risk arranges directors and officers liability.
Reliability Score5.1/ 10Aon describes D&O brokerage and program services in a global practice; this does not identify the producer, insurer or state availability for a particular U.S. placement.
Reliability Score6.7/ 10Beazley offers directors and officers liability insurance for private organizations through ExecuGuard.
Reliability Score6.2/ 10Executive First D&O liability materials describe separate public-company and private-company products.
Reliability Score7.0/ 10CFC offers directors and officers liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies.
Reliability ScoreChubb offers directors and officers liability insurance for smaller privately held companies through ForeFront.
Reliability Score6.4/ 10- Reliability Score
Coalition offers directors and officers liability through its executive-risks product for private and nonprofit US organizations.
Reliability Score6.2/ 10Corgi lists directors and officers insurance among its business insurance offerings.
Reliability ScoreDistinct private-company and nonprofit D&O product pages; class and insurer vary by placement.
Reliability ScoreCoverdash lists directors and officers insurance in its coverage catalog.
Reliability Score5.1/ 10Cowbell offers Zurich Select Plus D&O for small and medium private companies, available through appointed Zurich E&S wholesalers.
Reliability Score6.3/ 10Embroker lists directors and officers insurance with a quote route.
Reliability Score5.1/ 10Founder Shield lists directors and officers insurance among its core offerings.
Reliability Score5.3/ 10Gallagher arranges directors and officers liability.
Reliability Score5.5/ 10Heffernan arranges directors and officers liability.
Reliability Score5.0/ 10HUB International arranges directors and officers liability insurance.
Reliability Score5.5/ 10Kinro lists directors and officers insurance and compares business details with carrier appetite.
Reliability Score5.0/ 10- Reliability Score
Lockton arranges directors and officers liability insurance.
Reliability Score5.6/ 10Markel private and nonprofit D&O
Reliability Score7.1/ 10Marsh arranges directors and officers liability insurance.
Reliability Score5.6/ 10- Reliability Score
Nationwide Management Liability & Specialty markets a distinct D&O product. The reviewed materials do not establish issuer or form for a particular risk.
Reliability ScoreNewfront lists D&O for private and public companies within its executive-risk services.
Reliability Score5.0/ 10Relm lists directors and officers liability for placement through brokers.
Reliability ScoreRiskCube arranges directors and officers liability insurance for startups.
Reliability Score5.9/ 10Risklytics arranges directors and officers liability insurance for robotics, hardware and AI businesses.
Reliability Score5.4/ 10StartupInsurance.ai arranges directors and officers liability insurance for startups.
Reliability Score4.9/ 10TechInsurance arranges directors and officers liability insurance for small businesses.
Reliability Score5.0/ 10Listed within management-liability coverage for named business sectors; the dedicated D&O page discusses advisory programs for public companies, IPOs and SPACs.
Reliability ScoreThe Hartford offers directors and officers liability for private, public and nonprofit organizations.
Reliability Score7.3/ 10Travelers offers directors and officers liability insurance.
Reliability Score6.1/ 10USI arranges directors and officers liability insurance.
Reliability Score5.3/ 10Vouch lists directors and officers insurance in its technology-company programs.
Reliability Score5.0/ 10WithCoverage reviews D&O exposures in technology-company insurance programs and offers broker-transition support.
Reliability Score5.0/ 10Zurich markets directors and officers liability insurance.
Reliability Score
THREE by Berkshire Hathaway Alternatives for Employment Practices Liability
AIG Employment Practices Liability Insurance
Reliability ScoreAlliance Risk arranges employment practices liability insurance.
Reliability Score5.8/ 10Amelia Risk arranges employment practices liability.
Reliability Score5.1/ 10Aon lists EPL for professional-services firms in a global practice; this does not establish eligibility for every U.S. employer or state.
Reliability Score6.7/ 10Beazley offers employment practices liability insurance for private organizations through ExecuGuard.
Reliability Score6.2/ 10BHSI lists employment-practices liability within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, fiduciary, crime and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not an EPL-specific limit.
Reliability Score7.0/ 10CFC offers employment practices liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies. CFC does not write standalone employment practices liability.
Reliability ScoreChubb offers employment practices liability insurance.
Reliability Score6.4/ 10- Reliability Score
Coalition offers employment practices liability through its executive-risks product for private and nonprofit US organizations.
Reliability Score6.2/ 10Corgi lists employment practices liability among its business-insurance offerings.
Reliability ScoreNamed Employment Practices Liability product; examples and policy terms govern.
Reliability ScoreCoverdash lists employment practices coverage in its quote catalog.
Reliability Score5.1/ 10Cowbell offers Zurich Select Plus employment practices coverage for small and medium private companies, available through appointed Zurich E&S wholesalers.
Reliability Score6.3/ 10Embroker offers quotes for employment practices liability as an individual coverage.
Reliability Score5.1/ 10Founder Shield lists employment practices liability among its core coverage services.
Reliability Score5.3/ 10Gallagher arranges employment practices liability.
Reliability Score5.5/ 10Heffernan arranges employment practices liability.
Reliability Score5.0/ 10HUB International arranges employment practices liability insurance.
Reliability Score5.5/ 10- Reliability Score
Lockton arranges employment practices liability insurance.
Reliability Score5.6/ 10Markel employment practices liability
Reliability Score7.1/ 10Marsh arranges employment practices liability insurance.
Reliability Score5.6/ 10- Reliability Score
Nationwide markets EPLI through small-business and management-liability channels; the reviewed pages do not establish a standard grant or eligibility.
Reliability ScoreNewfront lists employment practices liability within its executive-risk placement and coverage-negotiation services.
Reliability Score5.0/ 10Relm lists employment practices liability for placement through brokers.
Reliability ScoreRiskCube arranges employment practices liability insurance for startups.
Reliability Score5.9/ 10StartupInsurance.ai arranges employment practices liability insurance for startups.
Reliability Score4.9/ 10TechInsurance arranges employment practices liability insurance for small businesses.
Reliability Score5.0/ 10Listed as employment-practices liability for the named commercial sector examples.
Reliability ScoreThe Hartford offers employment practices liability through business owner’s and management-liability products; EPL built into its business owner’s policy is not available in California, Minnesota, North Dakota or New York.
Reliability Score7.3/ 10Travelers offers employment practices liability insurance.
Reliability Score6.1/ 10USI arranges employment practices liability insurance.
Reliability Score5.3/ 10Vouch lists employment practices liability within its insurance programs for technology companies.
Reliability Score5.0/ 10WTW’s 2024 annual report describes employment-practices insurance solutions as a group capability. The filing is historical and global; current U.S. placement terms and eligibility remain unknown.
Reliability Score7.0/ 10Zurich markets Employment Practices Liability Insurance (EPLI).
Reliability Score
THREE by Berkshire Hathaway Alternatives for Equipment Breakdown
AIG Programs lists equipment breakdown in named program schedules including the manufactured-housing program; schedule-specific membership only.
Reliability ScoreAlliance Risk arranges equipment breakdown insurance.
Reliability Score5.8/ 10Chubb offers equipment breakdown insurance.
Reliability Score6.4/ 10- Reliability Score
Coverdash lists equipment breakdown in its quote catalog.
Reliability Score5.1/ 10Gallagher arranges boiler and machinery coverage through its property practice.
Reliability Score5.5/ 10HUB International arranges equipment breakdown insurance.
Reliability Score5.5/ 10- Reliability Score
Equipment-breakdown option within property coverage; standalone product not established
Reliability Score7.1/ 10Marsh arranges equipment breakdown insurance, including for data centers.
Reliability Score5.6/ 10Nationwide presents equipment breakdown under its BOP coverages; the individual policy controls inclusion and terms.
Reliability ScoreNewfront offers equipment breakdown solutions through its property practice.
Reliability Score5.0/ 10Listed as machinery/equipment breakdown for digital-infrastructure and transportation exposures.
Reliability ScoreTravelers offers equipment breakdown insurance.
Reliability Score6.1/ 10
THREE by Berkshire Hathaway Alternatives for Fiduciary Liability
AIG Fiduciary Liability Insurance / Fiduciary Edge
Reliability ScoreAlliance Risk arranges fiduciary liability insurance.
Reliability Score5.8/ 10Amelia Risk arranges fiduciary liability.
Reliability Score5.1/ 10Aon lists fiduciary liability within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established.
Reliability Score6.7/ 10Beazley offers fiduciary liability insurance for private organizations through ExecuGuard.
Reliability Score6.2/ 10BHSI lists fiduciary liability within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, employment-practices, crime and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not a fiduciary-specific limit.
Reliability Score7.0/ 10CFC offers fiduciary liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies.
Reliability ScoreChubb offers fiduciary liability insurance.
Reliability Score6.4/ 10- Reliability Score
Coalition offers fiduciary liability through its executive-risks product for private and nonprofit US organizations.
Reliability Score6.2/ 10Corgi lists fiduciary liability in its coverage catalog and package options.
Reliability ScoreNamed Fiduciary Liability product for benefit-plan exposures; law and policy terms govern.
Reliability ScoreCoverdash lists fiduciary coverage in its coverage hub.
Reliability Score5.1/ 10Cowbell offers Zurich Select Plus fiduciary liability for small and medium private companies, available through appointed Zurich E&S wholesalers.
Reliability Score6.3/ 10Embroker lists fiduciary liability with a quote route.
Reliability Score5.1/ 10Founder Shield lists fiduciary liability among its core coverages.
Reliability Score5.3/ 10Gallagher arranges fiduciary liability.
Reliability Score5.5/ 10Heffernan arranges fiduciary liability.
Reliability Score5.0/ 10HUB International arranges fiduciary liability insurance.
Reliability Score5.5/ 10- Reliability Score
Lockton arranges fiduciary liability insurance.
Reliability Score5.6/ 10Markel fiduciary liability
Reliability Score7.1/ 10Marsh McLennan Agency (MMA), a Marsh business, arranges fiduciary liability insurance.
Reliability Score5.6/ 10- Reliability Score
Nationwide Management Liability & Specialty lists fiduciary liability as a distinct commercial-liability product; terms and availability remain quote-specific.
Reliability ScoreNewfront lists fiduciary coverage among its executive-risk brokerage services.
Reliability Score5.0/ 10Relm lists fiduciary liability for placement through brokers.
Reliability ScoreRiskCube arranges fiduciary liability insurance for startups.
Reliability Score5.9/ 10StartupInsurance.ai arranges fiduciary liability insurance for startups.
Reliability Score4.9/ 10Listed as fiduciary liability for named commercial-sector audiences.
Reliability ScoreThe Hartford offers fiduciary liability as a management-liability coverage option.
Reliability Score7.3/ 10Travelers offers fiduciary liability insurance.
Reliability Score6.1/ 10USI arranges fiduciary liability insurance.
Reliability Score5.3/ 10Zurich markets fiduciary liability insurance.
Reliability Score
THREE by Berkshire Hathaway Alternatives for General Liability
AIG Programs general liability (three separate program scopes)
Reliability ScoreAlliance Risk arranges general liability insurance.
Reliability Score5.8/ 10Amelia Risk arranges general liability insurance.
Reliability Score5.1/ 10Aon lists general liability within construction liability coverage areas in its global construction practice; this does not establish a standalone or U.S.-available line.
Reliability Score6.7/ 10Beazley offers general liability insurance in packages such as its environmental-services policy.
Reliability Score6.2/ 10BHSI lists primary general liability, with contractor and pollution features described in its casualty materials.
Reliability Score7.0/ 10- Reliability Score
CFC offers general liability within its property and casualty product.
Reliability ScoreChubb offers general liability insurance within its commercial package products.
Reliability Score6.4/ 10- Reliability Score
Corgi lists commercial general liability among its business insurance offerings.
Reliability ScoreCoterie offers general liability policies for small businesses through its partner distribution.
Reliability Score5.1/ 10GL is described as a companion/package component with miscellaneous professional and lawyers liability; this does not establish broad standalone CGL.
Reliability ScoreCoverdash lists general liability in its Core Business coverage catalog with a quote route.
Reliability Score5.1/ 10Embroker offers a general liability quote route among its individual business coverages.
Reliability Score5.1/ 10ERGO NEXT offers online general liability quotes and purchasing for eligible businesses.
Reliability Score5.8/ 10Founder Shield lists general liability among its core coverage offerings.
Reliability Score5.3/ 10Company CGL product page; line-specific CGL membership only.
Reliability ScoreGallagher arranges general liability insurance for small businesses.
Reliability Score5.5/ 10Harper lists general liability in its business-insurance services and quote inquiry.
Reliability Score5.9/ 10Heffernan arranges general liability insurance.
Reliability Score5.0/ 10Hiscox offers general liability insurance for small businesses.
Reliability Score6.1/ 10HUB International arranges general liability insurance.
Reliability Score5.5/ 10Insureon markets General Liability; description does not establish insurer, policy terms, or individual availability.
Reliability ScoreKinro lists general liability and compares available carrier options.
Reliability Score5.0/ 10- Reliability Score
Lockton arranges general liability insurance.
Reliability Score5.6/ 10Markel small-business casualty and property
Reliability Score7.1/ 10Marsh arranges general liability insurance, including for data centers.
Reliability Score5.6/ 10- Reliability Score
Mylo compares general liability quotes from insurance carriers and also offers package options.
Reliability Score5.0/ 10Nationwide lists general liability in its professional-office package description and BOP materials; this establishes marketing only, not standalone availability or policy scope.
Reliability ScoreNewfront includes general liability in its casualty placement services.
Reliability Score5.0/ 10Pie arranges general liability insurance through unaffiliated third-party insurers.
Reliability Score5.8/ 10Relm lists general liability insurance for placement through brokers.
Reliability ScoreRiskCube arranges general liability insurance for startups.
Reliability Score5.9/ 10Risklytics arranges general liability insurance for robotics, hardware and AI businesses.
Reliability Score5.4/ 10- Reliability Score
StartupInsurance.ai arranges general liability insurance for startups.
Reliability Score4.9/ 10TechInsurance arranges general liability insurance for small businesses.
Reliability Score5.0/ 10Listed as general liability for professional-services clients and as a consideration for other named business sectors.
Reliability ScoreThe Hartford offers general liability insurance.
Reliability Score7.3/ 10Travelers offers general liability insurance.
Reliability Score6.1/ 10USI arranges general liability insurance.
Reliability Score5.3/ 10Vouch lists general liability among the core coverages in its technology-company programs.
Reliability Score5.0/ 10WithCoverage includes general liability in its insurance-program reviews, for example for construction and restaurant businesses.
Reliability Score5.0/ 10Zurich’s U.S. catalogue describes commercial general liability protection for business bodily injury, property damage and personal injury claims.
Reliability Score
THREE by Berkshire Hathaway Alternatives for Liquor Liability
AIG Programs lists liquor liability among coverages it may develop in client-specific programs; no general standalone product or universal program availability implied.
Reliability ScoreAlliance Risk arranges liquor liability for businesses serving or selling alcohol.
Reliability Score5.8/ 10Corgi markets liquor liability for eligible veterans’ and fraternal lodges with licensed on-premises bars.
Reliability ScoreCoverdash lists liquor liability in its Excess & Specialty catalog with a quote route.
Reliability Score5.1/ 10Harper includes liquor liability in its coverage directory and insurance-placement service.
Reliability Score5.9/ 10Markel liquor liability
Reliability Score7.1/ 10WithCoverage includes liquor liability in its restaurant insurance-program services.
Reliability Score5.0/ 10
THREE by Berkshire Hathaway Alternatives for Professional Liability (E&O)
AIG entity-based Professional Liability / Specialty Professional E&O
Reliability ScoreAlliance Risk arranges professional liability insurance.
Reliability Score5.8/ 10Amelia Risk arranges professional errors and omissions insurance for startups.
Reliability Score5.1/ 10Aon describes professional-liability/E&O services for law, accounting and consulting firms; a U.S. placement and any separate technology E&O terms remain to be confirmed.
Reliability Score6.7/ 10At-Bay offers primary miscellaneous professional liability insurance.
Reliability Score6.2/ 10Beazley offers professional errors and omissions insurance through MediaTech for small technology and business-services companies.
Reliability Score6.2/ 10Professional First materials describe a professional-liability portfolio with several professions and service types.
Reliability Score7.0/ 10- Reliability Score
CFC offers professional liability insurance for professional-service businesses.
Reliability ScoreChubb offers professional errors and omissions insurance through Pro ERM for non-licensed professional-service firms.
Reliability Score6.4/ 10currently marketed Miscellaneous Professional Liability and Epack 3 professional-liability component
Reliability ScoreCoalition offers miscellaneous professional liability as an addition to eligible Active Cyber policies.
Reliability Score6.2/ 10Corgi lists miscellaneous errors and omissions coverage for service-based businesses.
Reliability ScoreCoterie lists miscellaneous professional liability for eligible small businesses in participating states.
Reliability Score5.1/ 10Several separately scoped professional-liability programs; do not generalize terms across professions.
Reliability ScoreCoverdash lists professional liability in its Professional & Management catalog, separately from technology errors and omissions.
Reliability Score5.1/ 10Embroker lists professional liability (errors and omissions) for professional services, separately from lawyers professional liability and technology errors and omissions.
Reliability Score5.1/ 10ERGO NEXT lists professional liability insurance, also called errors and omissions insurance.
Reliability Score5.8/ 10Founder Shield lists errors and omissions for lawsuits alleging inferior work or service.
Reliability Score5.3/ 10Professional E&O product page.
Reliability ScoreGallagher arranges professional errors and omissions insurance for small businesses.
Reliability Score5.5/ 10Harper includes professional liability in its coverage directory and quote intake as claims about work or advice.
Reliability Score5.9/ 10Heffernan arranges professional errors and omissions insurance for small businesses.
Reliability Score5.0/ 10Hiscox offers professional errors and omissions insurance for small businesses.
Reliability Score6.1/ 10HUB International arranges professional errors and omissions insurance.
Reliability Score5.5/ 10Insureon markets Professional Liability (E&O); description does not establish insurer, policy terms, or individual availability.
Reliability ScoreKinro lists professional liability (errors and omissions) for claims tied to professional advice, errors, omissions or service mistakes.
Reliability Score5.0/ 10- Reliability Score
Lockton arranges professional errors and omissions insurance.
Reliability Score5.6/ 10Markel ProBiz miscellaneous E&O
Reliability Score7.1/ 10Marsh arranges professional errors and omissions insurance.
Reliability Score5.6/ 10- Reliability Score
Mylo compares professional liability quotes for claims from clients unhappy with professional services.
Reliability Score5.0/ 10Nationwide markets professional E&O for professional-service exposures. This does not establish technology E&O or any particular profession’s acceptance.
Reliability ScoreNewfront lists errors and omissions among its executive-risk coverage services.
Reliability Score5.0/ 10Pie Insurance arranges professional errors and omissions insurance for small businesses through third-party insurers.
Reliability Score5.8/ 10Relm lists professional errors and omissions insurance for placement through brokers.
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StartupInsurance.ai arranges professional errors and omissions insurance for startups.
Reliability Score4.9/ 10TechInsurance arranges professional errors and omissions insurance for small businesses.
Reliability Score5.0/ 10Listed as professional liability/E&O for professional-services and government-contractor audiences.
Reliability ScoreThe Hartford offers professional liability insurance for service businesses.
Reliability Score7.3/ 10Travelers offers professional errors and omissions insurance.
Reliability Score6.1/ 10USI arranges professional errors and omissions insurance.
Reliability Score5.3/ 10Vouch lists errors and omissions among the core coverages in its professional-services programs.
Reliability Score5.0/ 10WithCoverage includes errors and omissions in its technology insurance-program review services.
Reliability Score5.0/ 10WTW markets financial-lines solutions, including errors and omissions, for residential real-estate stakeholders. Individual terms, insurer and placement eligibility are not established.
Reliability Score7.0/ 10Zurich markets professional errors and omissions insurance.
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THREE by Berkshire Hathaway Alternatives for Inland Marine Insurance
AIG Inland Marine (Transportation & Logistics; Construction & Equipment)
Reliability ScoreAlliance Risk arranges inland marine coverage for goods, tools and equipment in transit or off-site.
Reliability Score5.8/ 10BHSI lists inland transit, motor-truck cargo, warehouse legal liability, contractor equipment, and floaters under Inland Marine.
Reliability Score7.0/ 10Chubb offers inland marine insurance.
Reliability Score6.4/ 10- Reliability Score
Coverdash arranges inland marine insurance.
Reliability Score5.1/ 10Foxquilt lists Inland Marine among primary coverages; the ConvertLabs cleaner program describes limited mobile-equipment coverage (also called Inland Marine) commonly used by janitorial providers. This does not establish broad standalone inland-marine terms.
Reliability ScoreHarper arranges inland marine coverage for tools and equipment that leave the shop.
Reliability Score5.9/ 10HUB International arranges inland marine insurance through its marine practice.
Reliability Score5.5/ 10Insureon markets Tools and Equipment Insurance; description does not establish insurer, policy terms, or individual availability.
Reliability ScoreKinro arranges tools and equipment coverage through its inland marine offering.
Reliability Score5.0/ 10- Reliability Score
Markel commercial inland marine
Reliability Score7.1/ 10Nationwide markets inland-marine products including contractor equipment and installation floaters; product availability and covered property vary.
Reliability ScoreRelm lists inland marine insurance for placement through brokers.
Reliability ScoreRisklytics arranges inland marine equipment coverage for robotics, hardware and AI businesses.
Reliability Score5.4/ 10- Reliability Score
StartupInsurance.ai arranges inland marine insurance for startups.
Reliability Score4.9/ 10TechInsurance arranges inland marine coverage for contractors’ tools and equipment.
Reliability Score5.0/ 10Baldwin lists inland and ocean marine among coverages that may be considered for digital-infrastructure clients; this entry covers inland marine only.
Reliability ScoreThe Hartford offers inland marine insurance for midsize and large businesses.
Reliability Score7.3/ 10Travelers offers inland marine insurance.
Reliability Score6.1/ 10Zurich’s commercial property page separately lists Inland Marine coverages, including contractors’ equipment and warehouse liability; do not equate its broader Marine portfolio with this line.
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THREE by Berkshire Hathaway Alternatives for Workers’ Compensation
AIG Workers’ Compensation options by distinct channel
Reliability ScoreAlliance Risk arranges workers’ compensation insurance.
Reliability Score5.8/ 10Amelia Risk arranges workers’ compensation insurance.
Reliability Score5.1/ 10Aon lists workers compensation among global construction coverage areas; this does not establish state availability or a placement.
Reliability Score6.7/ 10- Reliability Score
Chubb offers workers’ compensation insurance for small businesses, from one employee up to $30 million in revenue, including technology companies.
Reliability Score6.4/ 10- Reliability Score
Corgi lists workers’ compensation insurance.
Reliability ScoreCoverdash lists workers’ compensation insurance.
Reliability Score5.1/ 10Embroker arranges workers’ compensation insurance.
Reliability Score5.1/ 10ERGO NEXT offers workers’ compensation insurance for small businesses.
Reliability Score5.8/ 10Founder Shield lists workers’ compensation insurance.
Reliability Score5.3/ 10Workers’ compensation page; state requirements vary.
Reliability ScoreGallagher arranges workers’ compensation insurance for small businesses.
Reliability Score5.5/ 10Harper arranges workers’ compensation insurance.
Reliability Score5.9/ 10Heffernan arranges workers’ compensation insurance.
Reliability Score5.0/ 10Hiscox provides access to workers’ compensation underwritten by Hartford Fire Insurance Company and requires a general liability policy.
Reliability Score6.1/ 10HUB International arranges workers’ compensation insurance.
Reliability Score5.5/ 10Insureon markets Workers’ Compensation; description does not establish insurer, policy terms, or individual availability.
Reliability ScoreKinro arranges workers’ compensation insurance and reviews state, payroll and class-code questions.
Reliability Score5.0/ 10- Reliability Score
Lockton arranges workers’ compensation insurance.
Reliability Score5.6/ 10Markel Workers Compensation
Reliability Score7.1/ 10Marsh McLennan Agency (MMA), a Marsh business, arranges workers’ compensation insurance.
Reliability Score5.6/ 10- Reliability Score
Mylo compares workers’ compensation options from insurers.
Reliability Score5.0/ 10Nationwide markets workers’ compensation and describes state-variable benefits and services. State law, policy, and employer eligibility govern.
Reliability ScoreNewfront arranges workers’ compensation insurance through its casualty practice.
Reliability Score5.0/ 10Pie Insurance offers workers’ compensation insurance for small businesses.
Reliability Score5.8/ 10Risklytics arranges workers’ compensation insurance for robotics, hardware and AI businesses.
Reliability Score5.4/ 10- Reliability Score
StartupInsurance.ai arranges workers’ compensation insurance for startups.
Reliability Score4.9/ 10TechInsurance arranges workers’ compensation insurance for small businesses.
Reliability Score5.0/ 10Listed for named commercial sectors; Baldwin’s dedicated page describes workers’ compensation program and services.
Reliability ScoreThe Hartford offers workers’ compensation insurance.
Reliability Score7.3/ 10Travelers offers workers’ compensation insurance.
Reliability Score6.1/ 10USI arranges workers’ compensation insurance.
Reliability Score5.3/ 10Vouch lists workers’ compensation among core coverages for technology companies.
Reliability Score5.0/ 10WithCoverage arranges workers’ compensation insurance, for example for construction and restaurant businesses.
Reliability Score5.0/ 10Zurich markets workers’ compensation insurance.
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Sources for THREE by Berkshire Hathaway Alternatives
- Business Owners Policy | THREE. 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.
- 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.
- THREE by Berkshire Hathaway — small business insurance. 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.
- 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.