Gallagher vs Three: Commercial Auto Insurance

Gallagher Small Business arranges commercial auto with partner carriers; THREE by Berkshire Hathaway lists business auto only inside its business owner's policy, with an online quote.

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

Gallagher describes commercial-auto protection for liability, physical damage, uninsured drivers, and medical costs, and lets buyers start online, by phone, or by callback. THREE lists Business Auto in its BOP with online advisor-assisted quoting.

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

    Gallagher Small Business · Commercial Auto Insurance Overview; Do you need Commercial Auto insurance?; Recommended for businesses that:; Small business auto market trends; Consider this claim scenario; Get Covered Now · 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

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

Vehicle and driver exposures

Gallagher describes commercial-auto coverage for third-party injury and property damage, uninsured or underinsured drivers, physical damage to owned, rented, hired, or employee vehicles, and medical costs for owners, workers, and passengers. It recommends coverage where employees use personal cars for business as well as company vehicles. THREE lists Business Auto within a combined BOP but does not describe covered vehicle types or employee-driver terms in its reviewed record. Ask for the auto schedule and hired/non-owned wording. [5] [1]

Starting the quote

Gallagher offers an online form, a phone line to a small-business advisor, and a scheduled callback. THREE offers an online quote with licensed advisor help. Gallagher says the small-business auto market faces rising claim costs from litigation, vehicle electronics, and repair delays, so matched limits and deductibles matter when reviewing offers. [5] [2]

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

  • Ask Gallagher which vehicles, employee cars, and hired vehicles are scheduled and what limits apply. [5]
  • Ask THREE whether its BOP quote contains Business Auto and whether employee-owned vehicles are covered. [1]
  • Compare deductibles and physical-damage terms against current vehicle values. [5] [2]

Coverage topics

Gallagher

  • role: Gallagher Small Business arranges commercial auto coverage with partner carriers rather than underwriting the policy itself. Gallagher Small Business's direct-to-small-business commercial auto product page.company-reportedSource ↗
  • coverage: Gallagher describes commercial auto as covering bodily injury and property damage to third parties, accidents caused by uninsured or underinsured drivers, physical damage to owned, rented, hired or employee vehicles, and medical costs for the business owner, employees and passengers, plus theft and damage. Product page coverage list; the issued policy and its exclusions control.company-reportedSource ↗
  • eligibility: Gallagher recommends this coverage for businesses that use vehicles for business purposes, including owned, hired and non-owned autos, rented or leased vehicles, and employees who drive their own cars for work. Product page "Recommended for businesses that" list; actual acceptance depends on underwriting.company-reportedSource ↗
  • coverage: Gallagher's small-business team says the commercial auto market remains challenging because of social inflation and the long-tail nature of auto liability claims, and that rising repair costs from added vehicle electronics and safety features, plus supply-chain delays, are increasing claim costs. Product page market-commentary section; a general market view, not a quote for any specific business.company-reportedSource ↗
  • coverage: Gallagher illustrates the coverage gap when a personal vehicle is used for business: it describes a bakery owner whose personal auto insurer refused to pay a delivery-related accident claim because she lacked commercial auto insurance. Product page hypothetical claim scenario; illustrative example, not a report of an actual claim outcome.company-reportedSource ↗
  • insurer: The commercial auto product page does not name the insurer that would issue a given business's policy. Checked the commercial auto product page on 2026-09-23.not-disclosedSource ↗
  • limits: The commercial auto product page does not publish liability limits, deductibles or premiums; it directs prospective buyers to request a quote instead. Checked the commercial auto product page on 2026-09-23.not-disclosedSource ↗
  • application: Gallagher offers an online quote form, a small business advisor phone line (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start a commercial auto quote. Product page "Get Covered Now" section.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 ↗

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