Hub International vs Three: Commercial Auto Insurance

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

Fleet options and vehicle use

HUB brokers commercial auto for fleets and transportation companies and lists long- and short-haul transportation, hired and non-owned auto, uninsured or underinsured motorist protection, medical payments, towing, and lease-gap coverage. It also names bodily-injury and property-damage protection. THREE lists Business Auto among its combined BOP categories but does not publish comparable fleet options. A fleet buyer should ask whether towing, lease-gap, and employee-use protections appear in the quote rather than assume the broad Business Auto label includes them. [5] [1]

Risk management and quote access

HUB says it uses analytics to benchmark programs and offers fleet-risk and workplace-safety services, but directs prospects to a broker instead of an online quote. THREE offers online quoting with licensed advisor assistance. If you want program analysis or safety support, ask HUB what is included; if you prefer an online start, ask THREE to show limits and service contacts. [5] [2]

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

Ask HUB which transportation options and fleet services apply to your vehicles and routes. [5]
Ask THREE whether Business Auto is standalone or limited to its package and what limits apply. [1]
Compare available risk-management support after binding. [5] [2]

Coverage topics

HUB International

role: HUB brokers commercial auto insurance for fleets and transportation businesses rather than underwriting the policy itself. Commercial auto product page as read 2026-09-23; the page does not name an issuing insurer.company-reportedSource ↗
coverage: HUB lists commercial auto coverage options including long- and short-haul transportation, hired and non-owned auto exposures, uninsured/underinsured motorist protection, medical payments, towing and lease gap coverage, alongside property damage and bodily injury protection. Product-page coverage list; the issued policy and its exclusions control an actual claim.company-reportedSource ↗
eligibility: HUB positions this line for businesses operating commercial auto fleets and transportation-industry providers. Product-page description; not a published underwriting appetite by fleet size or vehicle class.company-reportedSource ↗
services: HUB says it applies complex risk and analytics tools to benchmark programs and reduce total cost of risk, and cross-promotes Fleet Risk Management and Workplace Safety Management as complementary services for commercial auto clients. Product-page service description; a company-reported capability, not an independently assessed outcome.company-reportedSource ↗
insurer: The commercial auto product page does not name an issuing insurer; HUB places commercial auto business with insurers that vary by client and placement. Checked the commercial auto product page on 2026-09-23; no carrier is disclosed there.not-foundSource ↗
application: HUB directs prospects to contact a HUB broker to get started; no online quote or bind flow is described on the page. Product-page call to action as read 2026-09-23.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 ↗

HUB brokers auto for fleets and transportation businesses and lists long- and short-haul, hired and non-owned auto, towing, and lease-gap options. THREE lists Business Auto in its combined policy, with terms set by quote.

Source material

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
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
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
04
Commercial Insurance Guide
California Department of Insurance · Commercial Automobile: Coverage, Classification and Limits · accessed 2026-09-16
05
Commercial Auto Insurance Broker Policy & Coverage
HUB International · Coverage list: long- and short-haul transportation, hired and non-owned exposures, uninsured/underinsured motorists, medical payments, towing, lease gap; property damage and bodily injury; fleet-risk and complex risk analytics services; Contact a HUB broker · accessed 2026-09-23
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