Embroker vs Three: Commercial Auto Insurance

Embroker sells commercial auto as a standalone policy or an add-on to its business owner's policy; THREE by Berkshire Hathaway lists business auto only inside its business owner's policy.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-09-30

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

Standalone coverage and endorsements

Embroker says commercial auto can be bought standalone or added to a BOP. It lists property and bodily-injury liability, medical payments, and collision as base coverages, with comprehensive, uninsured motorist, hired and non-owned auto, and roadside assistance among common endorsements. THREE lists Business Auto in its combined BOP but does not identify comparable endorsements or standalone availability. Ask whether your vehicles need separate limits or can sit inside a package. [5] [1]

Application and vehicle requirements

Embroker says applicants can select coverage on its platform and receive a quote in minutes; it notes required limits vary by law based on vehicle weight, passenger capacity, and hazardous materials. THREE provides an online quote with licensed advisor support but its reviewed record does not list these commercial-vehicle factors. If you operate larger or regulated vehicles, give both providers those details and confirm filings and limits before binding. [5] [2]

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

  • Ask Embroker which endorsements and statutory limits fit each vehicle class. [5]
  • Ask THREE whether Business Auto can be quoted separately and what vehicle classes it accepts. [1]
  • Compare physical-damage and hired/non-owned auto limits. [5] [2]

Coverage topics

Embroker

  • role: Embroker sells commercial auto as a standalone policy that can also be added onto a Business Owners Policy, covering the business, its employees, and other hired or borrowed drivers. Product-page description; not a statement about the issuing insurer.company-reportedSource ↗
  • eligibility: Embroker says the coverage is for businesses that own, lease or hire vehicles for work purposes, including passenger cars, vans, pickups, SUVs and larger commercial vehicles, and notes personal auto policies typically exclude business use. Product-page 'Who Is It For?' and vehicle-type sections; not a guarantee of coverage for a particular fleet.company-reportedSource ↗
  • coverage: Embroker lists property and bodily injury liability, medical payments, and collision coverage as base commercial auto coverages, with common endorsements including comprehensive, uninsured motorist, hired and non-owned auto, and roadside assistance. Product-page 'What Does Business Auto Insurance Cover?' section; the issued policy and declarations control.company-reportedSource ↗
  • coverage: Embroker says the policy excludes contractual liability assumed under a business contract, employer's liability claims (covered by EPLI), expected or intended injury, fellow-employee injury claims, and pollution-related injuries. Product-page What's Not Covered section.company-reportedSource ↗
  • eligibility: Embroker says required coverage amounts are set by state or federal law and vary based on vehicle weight, passenger capacity, and whether the vehicle carries hazardous materials. Product-page 'Commercial Auto Insurance Requirements By State' section; specific state requirements were not independently verified.company-reportedSource ↗
  • application: Embroker says applicants can sign up on its platform, select coverage, and get a commercial auto quote in a few minutes. Product-page 'Who Is It For?' quote call to action; no quote was requested during this research.company-reportedSource ↗

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 ↗

Embroker describes commercial auto as standalone or a BOP add-on, with liability, medical payments, and collision among its base protections. THREE lists Business Auto as a package category without vehicle-specific details.

Source material

  1. 01
    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

  2. 02
    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

  3. 03
    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

  4. 04
    Commercial Insurance Guide

    California Department of Insurance · Commercial Automobile: Coverage, Classification and Limits · accessed 2026-09-16

  5. 05
    Commercial Auto Insurance: Quotes & Coverage

    Embroker · What Is Commercial Auto Insurance?; Who Is It For?; What Does Business Auto Insurance Cover?; What's Not Covered?; Commercial Auto Insurance Requirements By State · accessed 2026-09-23

  6. 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

  7. 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

  8. 08
    Auto Insurance

    NAIC · Coverages · accessed 2026-09-16

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