Techinsurance vs Three: Commercial Auto Insurance

TechInsurance reports a median of $245 a month for its commercial auto customers; THREE by Berkshire Hathaway presents business auto as part of 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

Coverage topics

TechInsurance

  • role: TechInsurance arranges commercial auto insurance for businesses that own vehicles, and says almost every state requires it for business-registered vehicles. Commercial auto product page.company-reportedSource ↗
  • insurer: The reviewed page does not name the issuing insurer for a commercial auto policy. Commercial auto product page as read on 2026-09-23.not-disclosedSource ↗
  • coverage: TechInsurance says commercial auto insurance covers bodily injury and property damage liability, medical payments (MedPay) or personal injury protection (PIP) where required, uninsured-motorist coverage, and optional collision and comprehensive coverage for physical damage to the company's own vehicles. Commercial auto product page; general policy description, not a specific policy form.company-reportedSource ↗
  • coverage: TechInsurance says commercial auto insurance does not cover personal, leased or rented vehicles used for work (which need hired and non-owned auto insurance), a newly purchased vehicle not yet added to the policy, or damage to a customer's vehicle in the business's care (which needs garage keepers insurance). Commercial auto product page, What isn't covered section.company-reportedSource ↗
  • eligibility: TechInsurance says all states except New Hampshire require commercial auto insurance for vehicles registered to a business, with most states also setting minimum liability, and in some cases uninsured/underinsured motorist, coverage amounts. Commercial auto product page, Are you required by law to purchase commercial auto insurance? section.company-reportedSource ↗
  • limits: TechInsurance says its commercial auto customers pay a median of $245 per month, with the exact premium depending on number and type of vehicles, employee driving records and demographics, coverage options selected, claims history, and policy deductible and limits. Commercial auto product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.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 ↗

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

Coverage and excluded vehicle uses

TechInsurance describes bodily-injury and property-damage liability, medical payments or personal-injury protection where required, uninsured-motorist coverage, and optional collision and comprehensive for the business’s own vehicles. It says personal, leased, or rented vehicles used for work need hired and non-owned auto instead, and customer vehicles in the business’s care need garagekeepers coverage. THREE lists Business Auto in its combined BOP but does not specify these coverages or exclusions. Ask for employee-use and garagekeepers terms if they apply to your operations. [8] [1]

Published cost reference

TechInsurance reports a $245 monthly median for commercial auto, with price depending on vehicles, driver records, coverage choices, claims, limits, and deductibles. THREE’s reviewed record gives no comparable commercial-auto premium; its quote route is online with advisor help. Use the median only as context and compare quotes using the same vehicle schedule and limits. [8] [2]

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

  • Ask TechInsurance whether personal, leased, and customer vehicles need separate HNOA or garagekeepers policies. [8]
  • Ask THREE which auto coverages are included and how its quote prices each vehicle. [1]
  • Compare annual premium, limits, and deductibles across matching schedules. [8] [2]

TechInsurance describes liability, medical, uninsured-motorist, and optional physical-damage coverage and reports a $245 monthly median. THREE markets Business Auto within its combined BOP but provides no comparable public auto price.

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
    Commercial Auto Insurance Coverage for a Small Business

    TechInsurance · What does commercial auto liability insurance cover? (bodily injury/property damage liability, medical payments/PIP, uninsured motorists, collision/comprehensive); How much does commercial auto insurance cost?; Are you required by law to purchase commercial auto insurance?; Who does a commercial auto policy insure? · accessed 2026-09-23

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