What Does Business Owner’s Policy from THREE by Berkshire Hathaway Cover?

THREE presents its Business Owners Policy as a combined product containing multiple business coverage categories. ¹Company-reportedCompany-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant.

The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. ²Company-reportedThis 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.

The reviewed product page does not state separate eligibility rules for Business Owners Policy; the general quote and advisor route is not proof that a particular business qualifies for it. ^1,3Not publicly disclosedEligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms.

THREE labels its combined product a Business Owners Policy and describes multiple business coverages in one policy. The reviewed product page does not establish the exact protections included in a particular quote or issued contract. ^1,2Company-reportedCompany's description of the U.S. packaged product; a product name is not a policy entitlement. The buyer's state-specific quote, declarations, and forms control.

The reviewed public product page does not state a separate limit or deductible for Business Owners Policy; THREE says the quote-specific insurance summary lists limits and deductibles. ^1,2Not publicly disclosedNo number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible.

THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. ³Company-reportedThis is the route for the overall THREE product. It does not show whether Business Owners Policy will be offered for a particular business or whether a customer can bind that line without an issued policy.