What Does Equipment Breakdown Insurance from THREE by Berkshire Hathaway Cover?
THREE by Berkshire Hathaway lists equipment breakdown among the coverages in its combined Business Owners Policy, which it directs small businesses to quote online.
THREE Business Owners Policy · Updated
THREE by Berkshire Hathaway’s Role in Equipment Breakdown
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
Company-reported.Company-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant.
Who Issues THREE by Berkshire Hathaway Equipment Breakdown Insurance?
The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. 2
Company-reported.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 Is THREE by Berkshire Hathaway Equipment Breakdown Insurance For?
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. 1,3
Not publicly disclosed.Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms.
THREE by Berkshire Hathaway Equipment Breakdown 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. 1,2
Company-reported.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.
THREE by Berkshire Hathaway Equipment Breakdown Limits and Retentions
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. 1,2
Not publicly disclosed.No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible.
How Do You Apply for THREE by Berkshire Hathaway Equipment Breakdown?
THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. 3
Company-reported.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.
THREE by Berkshire Hathaway Equipment Breakdown Insurance Compared
Other Coverage Lines Documented for THREE by Berkshire Hathaway
Sources for THREE by Berkshire Hathaway Equipment Breakdown Insurance
- Business Owners Policy - THREE by Berkshire Hathaway. 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.
- The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway. 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.
- Jargon-free small business insurance - THREE by Berkshire Hathaway. 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.