Newfront vs Three: Commercial Auto Insurance

Newfront brokers standalone auto liability in a casualty program; THREE by Berkshire Hathaway lists business auto only inside its business owner's policy, quoted online.

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

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

Auto liability and fleet scope

Newfront’s casualty practice brokers auto liability and lists it alongside general liability, product liability, workers’ compensation, umbrella, and environmental liability. Its page addresses motor-vehicle accidents for companies of every size without specifying a fleet-size or industry cutoff. THREE lists Business Auto within its combined BOP, a package route that may not fit a buyer seeking only auto liability. Ask whether each proposal covers owned and employee-used vehicles and what liability limits apply. [8] [1]

Claims and risk-control support

Newfront says its casualty claims team manages claims through resolution and offers integrated risk controls to mitigate exposures and reduce claim frequency and cost. THREE’s reviewed offering describes an online quote and licensed advisor help but does not name comparable claims advocacy. A buyer should compare who will assist after an accident, and whether the quote includes collision or physical-damage cover in addition to the auto-liability placement Newfront describes. [8] [2]

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

  • Ask Newfront which carrier and liability limits are proposed and whether physical damage is included. [8]
  • Ask THREE whether Business Auto is available separately and what claims support applies. [1]
  • Compare claims contacts, risk services, and vehicle schedules. [8] [2]

Newfront places auto liability through its casualty practice and says its team manages claims through resolution with integrated risk-control resources. THREE lists Business Auto as a BOP category and offers an online quote with advisor help.

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
    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

  6. 06
    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

  7. 07
    Auto Insurance

    NAIC · Coverages · accessed 2026-09-16

  8. 08
    Casualty

    Newfront · Casualty intro: addressing the rise in motor vehicle accidents; Key Coverages to Protect Your Business: Auto Liability; Claims Advocacy & Risk Control; Market Intelligence · accessed 2026-09-23

Coverage topics

Newfront

  • role: Newfront's casualty practice brokers auto liability coverage. It negotiates placement and program structure with carriers rather than underwriting the risk itself. Casualty offering page; auto liability is one of several coverages the casualty practice places.company-reportedSource ↗
  • insurer: The reviewed casualty page does not name the insurer or insurers that would issue an auto liability policy placed through Newfront. Casualty page as read on 2026-09-23; carrier depends on the specific placement.not-disclosedSource ↗
  • eligibility: Newfront says it addresses "the rise in motor vehicle accidents" as part of casualty risk for companies of every size and scope, without naming a fleet-size or industry cutoff for auto liability specifically. Casualty page intro paragraph; general framing, not a stated eligibility rule.company-reportedSource ↗
  • coverage: Newfront lists Auto Liability among the Key Coverages of its casualty program, alongside general liability, product liability, workers' compensation, umbrella/excess liability, and environmental and pollution liability. Casualty page Key Coverages list; no description of auto-specific limits, endorsements or fleet-safety requirements.company-reportedSource ↗
  • limits: Newfront's casualty page does not publish limits, deductibles, retentions or program structures (such as guaranteed-cost versus large-deductible) specific to auto liability. Casualty page as read on 2026-09-23; program-structure options are described only in general terms for casualty overall.not-disclosedSource ↗
  • services: Newfront says its casualty practice provides claims advocacy and integrated risk control resources to help clients mitigate risk exposures and reduce claim frequency and costs, alongside market intelligence from carrier relationships. Claims Advocacy & Risk Control and Market Intelligence sections; described casualty-wide, not auto-specific.company-reportedSource ↗
  • application: You start an auto liability placement by requesting a consultation through Newfront's casualty page. Casualty page call-to-action; no online quoting or binding described.company-reportedSource ↗
  • claims: Newfront says its casualty claims advocacy team manages claims through resolution, which would include an auto liability claim. The Newfront Difference section; casualty-wide description, not an auto-specific claims workflow.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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