AIG vs Three: Commercial Auto Insurance

AIG states a heavy-truck appetite and select-broker distribution. THREE presents Business Auto as part of its combined BOP, with licensed advisors available during online quoting.

What Are the Key Differences Between AIG and THREE by Berkshire Hathaway Commercial Auto Insurance?

Standalone trucking products beside packaged Business Auto

AIG describes admitted auto liability and physical-damage products for for-hire trucking fleets above 26,000 pounds, with 11–250 power units and at least four years operating. THREE presents Business Auto as a component of its combined Business Owners Policy rather than identifying a separate standalone auto policy. A truck operator should ask whether either structure fits the fleet and whether auto can be purchased independently or appears in the package quote. [1] [2]

Broker access compared with an online package quote

AIG says select brokers access its trucking offer and describes services such as fleet-safety and DOT-compliance support. THREE directs small-business prospects to an online quote, with licensed Small Business Advisors available to help; its public product page does not state a separate Business Auto limit or deductible. Buyers should compare the proposed declarations and policy terms, because an online package listing does not establish that Business Auto is included for a particular risk. [1] [2]

What Should You Confirm in AIG and THREE by Berkshire Hathaway Commercial Auto Insurance Quotes?

Have the AIG broker confirm fleet eligibility and provide the exact liability and physical-damage limits. [1]
Ask THREE whether Business Auto is included in your quote, which insurer issues it, and its separate deductibles and limits. [2]

Coverage topics

AIG

role: AIG describes itself as providing admitted automobile liability and physical-damage insurance to a specifically scoped for-hire trucking segment; the page does not identify the insurer subsidiary for a particular quote. Role in this product is limited to the description on the linked AIG source.company-reportedSource ↗
eligibility: AIG scopes this commercial-auto offer to small and midsize for-hire trucking companies with heavy vehicles above 26,000 pounds, fleets of 11–250 power units, predominantly Class A/B CDL drivers and at least four years of operating experience. AIG says access is through select brokers. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability.company-reportedSource ↗
coverage: AIG lists admitted automobile liability and physical-damage products for the stated for-hire truck segment. It does not publish a buyer’s vehicle schedule, covered causes, territory, or policy endorsements on this page. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations.company-reportedSource ↗
services: AIG describes a broker-facing appetite platform, trucking risk-control consulting, fleet-safety and DOT-compliance support, and a 24/7 incident-management hotline. These services do not expand policy coverage. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed.company-reportedSource ↗
limits: AIG says liability deductibles may be offered up to $50,000. This is a stated underwriting option, not a standard deductible or limit for a specific policy. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy.not-disclosedSource ↗

THREE by Berkshire Hathaway

role: THREE presents Business Auto as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. Company-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant.company-reportedSource ↗
coverage: THREE's Business Owners Policy page lists Business Auto among its marketed coverage categories in the combined policy. This describes the product page, not whether the category appears in a particular quote or responds to a loss. Official THREE package marketing for Business Auto. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy.company-reportedSource ↗Source ↗
insurer: The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. 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.company-reportedSource ↗
application: THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. This is the route for the overall THREE product. It does not show whether Business Auto will be offered for a particular business or whether a customer can bind that line without an issued policy.company-reportedSource ↗
limits: The reviewed public product page does not state a separate limit or deductible for Business Auto; THREE says the quote-specific insurance summary lists limits and deductibles. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible.not-disclosedSource ↗Source ↗
eligibility: The reviewed product page does not state separate eligibility rules for Business Auto; the general quote and advisor route is not proof that a particular business qualifies for it. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms.not-disclosedSource ↗Source ↗

Source material

01
Truck Insurance Group
AIG · Official AIG Truck Insurance Group page: admitted auto liability and physical-damage products; stated heavy-vehicle, fleet-size, driver and operating-experience criteria; select-broker channel, underwriting platform and risk services. · accessed 2026-09-30
02
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
03
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
04
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
05
Commercial Insurance Guide
California Department of Insurance · Commercial Automobile: Coverage, Classification and Limits · accessed 2026-09-16
06
Business Vehicle Insurance
Insurance Information Institute · Will My Personal Auto Policy Cover Business Use?; What Vehicles Are Covered?; What Coverage Do I Need if Employees Drive Their Personal Vehicles for Business?; Does a Business Umbrella Cover Autos?; Do I Need a Business Auto Policy?; Be Sure the Right Insured Is on the Policy · accessed 2026-09-16
07
Business Auto Coverage Form
Insurance Services Office, Inc.; hosted by National General · I.A, printed/PDF page 1; II.A.1, printed/PDF page 2; III.C–D, printed/PDF page 6; II.B.6, printed/PDF page 3; III.B.3, printed/PDF page 6 · accessed 2026-09-16
08
Auto Insurance
NAIC · Coverages · accessed 2026-09-16