Three vs Zurich: Commercial Auto Insurance

Zurich’s commercial-auto record focuses on rental fleets, with liability, uninsured-motorist, PIP, and physical-damage options and a phone application. THREE lists Business Auto within its combined BOP and offers an online 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
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
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
07
Auto Insurance
NAIC · Coverages · accessed 2026-09-16
08
Vehicle Rental Business Insurance: Car, Motorcycle, Truck, RV | Zurich
Zurich U.S. · Commercial rental fleets, auto liability and physical damage, application and claims · accessed 2026-09-29

What Are the Key Differences Between THREE by Berkshire Hathaway and Zurich U.S. Commercial Auto Insurance?

Rental-fleet terms

Zurich’s reviewed auto offering addresses rental fleets. It lists state financial-responsibility liability, uninsured or underinsured motorist, and no-fault personal-injury protection options, plus specified-peril, comprehensive, and collision physical-damage choices. Zurich’s catastrophic option requires an event involving at least two insured autos and excludes collision, overturn, and conversion. THREE lists Business Auto within its combined BOP but does not describe rental-fleet terms in the reviewed record. A rental operator should ask how each proposal schedules vehicles and handles single-vehicle losses. [8] [1]

Application details

Zurich takes applications by phone and requests fleet size, vehicle age, value and type, rental use, personal use, customer transport, and operating procedures. THREE starts with an online quote and licensed advisor help. These routes collect different documented detail up front; a buyer should prepare the rental-use information Zurich requests and ask THREE what its online form needs for the same fleet. [8] [2]

What Should You Confirm in THREE by Berkshire Hathaway and Zurich U.S. Commercial Auto Insurance Quotes?

Ask Zurich which physical-damage option applies and how its two-vehicle catastrophic trigger works. [8]
Ask THREE whether its Business Auto quote accepts rental fleets and what vehicle uses it covers. [1]
Compare application information, personal-use terms, and exclusions for conversion or false pretense. [8] [2]

Coverage topics

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 ↗

Zurich U.S.

coverage: Zurich’s rental-fleet commercial auto includes state financial-responsibility liability, uninsured/underinsured motorist and no-fault PIP options. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial auto for rental fleets; United States. The opened Zurich page is specific to U.S. commercial rental fleets; it does not establish all commercial-auto classes. Actual coverage is governed by policy terms and underwriting.company-reportedSource ↗
coverage: For rental fleets, Zurich identifies specified-peril, comprehensive and collision physical-damage options. Its catastrophic option requires an occurrence involving two or more insured autos and excludes collision, overturn and conversion. The page separately says physical-damage coverage is not provided for conversion, false pretense or trick and devise. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial auto for rental fleets; United States. The opened Zurich page describes coverage for commercial rental fleets; it does not establish terms for other commercial-auto classes. Actual coverage is governed by policy terms and underwriting.company-reportedSource ↗
application: Zurich takes applications by phone and requests fleet size, vehicle age/value/type, rental use, personal-use details, customer transport and operating procedures. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial auto for rental fleets; United States. The opened Zurich page is specific to U.S. commercial rental fleets; it does not establish all commercial-auto classes. Actual coverage is governed by policy terms and underwriting.company-reportedSource ↗