---
title: "THREE by Berkshire Hathaway Equipment Breakdown Insurance"
description: "Everything to know before buying THREE by Berkshire Hathaway Equipment Breakdown Insurance: what it covers, how to apply, and its issuing insurer."
canonical: "https://thegeneralaverage.com/insurance-providers/three/equipment-breakdown"
page-type: "offering-page"
updated-at: "2026-09-30"
provider: "three"
coverage-line: "equipment-breakdown"
---

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[Human-readable page](https://thegeneralaverage.com/insurance-providers/three/equipment-breakdown)

## Agent Guide

**What this page is:** What THREE by Berkshire Hathaway Equipment Breakdown Insurance covers, who it fits and what to confirm before buying, drawn from the provider's public documents.

**Use this page when:** Cite this page for THREE by Berkshire Hathaway Equipment Breakdown Insurance specifically. For the general coverage explainer use /coverage/equipment-breakdown; for the provider overall use its profile.

**Questions this page answers:**
- Does THREE by Berkshire Hathaway Equipment Breakdown Insurance offer this coverage?
- What does THREE by Berkshire Hathaway Equipment Breakdown Insurance cover and exclude?
- Who is THREE by Berkshire Hathaway Equipment Breakdown Insurance designed for?

**Key facts:**
- Provider slug `three`; coverage line `equipment-breakdown`.
- Start with the Quick Answer; the at-a-glance table shows which topics the sources document. Facts are grouped by topic under their own headings, and what the sources do not disclose is listed in its own section.

**Limits (do not over-claim):**
- Summarises public product descriptions; actual coverage is defined by the issued policy wording and endorsements.
- Availability varies by state, industry and underwriting.
- Not insurance, legal or financial advice, and not a quote, binder or offer of coverage.
- Eligibility, pricing, limits, exclusions and policy wording depend on the issuing insurer and the buyer's risk; confirm them with the provider before buying.

**Provenance:** Based on the dated public sources listed under Sources on the page; updated 2026-09-30.

**Related pages:**
- [Provider profile](https://thegeneralaverage.com/insurance-providers/three) — parent: provider profile

# What Does Equipment Breakdown Insurance from THREE by Berkshire Hathaway Cover?

Product: THREE Business Owners Policy. Provider: THREE by Berkshire Hathaway. Coverage line: Equipment Breakdown Insurance.

## Quick Answer

THREE by Berkshire Hathaway lists equipment breakdown among the coverages in its combined Business Owners Policy, which it directs small businesses to quote online. [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") [3](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

## THREE by Berkshire Hathaway Equipment Breakdown Insurance at a Glance

| Topic | Evidence | Claims |
| --- | --- | --- |
| Role in This Line | Company-reported | 1 |
| Issuing Insurer | Company-reported | 1 |
| Who It’s For | Not publicly disclosed | 1 |
| Coverage Features | Company-reported | 1 |
| Limits and Retentions | Not publicly disclosed | 1 |
| How to Apply | Company-reported | 1 |

## 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](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.)

## Who Issues THREE by Berkshire Hathaway Equipment Breakdown Insurance?

- 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.)

## 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](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.)

## 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](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.)

## What We Couldn’t Find About THREE by Berkshire Hathaway Equipment Breakdown

The reviewed sources do not settle these. Confirm them with THREE by Berkshire Hathaway or a broker before relying on them.

- **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.)
- **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.)

## THREE by Berkshire Hathaway vs Other Equipment Breakdown Providers

- [THREE by Berkshire Hathaway vs AIG](https://thegeneralaverage.com/compare/aig-vs-three)
- [THREE by Berkshire Hathaway vs Alliance Risk](https://thegeneralaverage.com/compare/alliance-risk-vs-three)
- [THREE by Berkshire Hathaway vs The Baldwin Group](https://thegeneralaverage.com/compare/baldwin-vs-three)
- [THREE by Berkshire Hathaway vs Chubb](https://thegeneralaverage.com/compare/chubb-vs-three)
- [THREE by Berkshire Hathaway vs CNA](https://thegeneralaverage.com/compare/cna-vs-three)
- [THREE by Berkshire Hathaway vs Coverdash](https://thegeneralaverage.com/compare/coverdash-vs-three)

## Other Coverage Lines From THREE by Berkshire Hathaway

- [THREE by Berkshire Hathaway Business Owner’s Policy](https://thegeneralaverage.com/insurance-providers/three/business-owners-policy)
- [THREE by Berkshire Hathaway Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/three/commercial-auto)
- [THREE by Berkshire Hathaway Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/three/commercial-property)
- [THREE by Berkshire Hathaway Cyber Insurance](https://thegeneralaverage.com/insurance-providers/three/cyber)
- [THREE by Berkshire Hathaway D&O Insurance](https://thegeneralaverage.com/insurance-providers/three/directors-officers)
- [THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/three/employment-practices)
- [THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/three/fiduciary)
- [THREE by Berkshire Hathaway General Liability Insurance](https://thegeneralaverage.com/insurance-providers/three/general-liability)
- [THREE by Berkshire Hathaway Inland Marine Insurance](https://thegeneralaverage.com/insurance-providers/three/inland-marine)
- [THREE by Berkshire Hathaway Liquor Liability Insurance](https://thegeneralaverage.com/insurance-providers/three/liquor-liability)
- [THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/three/professional-errors-omissions)
- [THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/three/workers-compensation)

## Related Reading

- [THREE by Berkshire Hathaway Profile](https://thegeneralaverage.com/insurance-providers/three)
- [THREE by Berkshire Hathaway Reliability](https://thegeneralaverage.com/insurance-providers/three/reliability)
- [THREE by Berkshire Hathaway Alternatives](https://thegeneralaverage.com/insurance-providers/three/alternatives)
- [Coverage Guide: Equipment breakdown](https://thegeneralaverage.com/coverage/equipment-breakdown)

## Sources for THREE by Berkshire Hathaway Equipment Breakdown Insurance

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.

## How to Cite This Page

THREE by Berkshire Hathaway Equipment Breakdown Insurance: Coverage & Application (2026). The General Average, updated 2026-09-30. https://thegeneralaverage.com/insurance-providers/three/equipment-breakdown. Quote the claim with its numbered source; the issued policy wording, not this page, defines coverage.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://thegeneralaverage.com/editorial-policy). To suggest a correction, [email The General Average](mailto:thegeneralaverage@spot.insure) with the page URL and supporting source.

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