AIG vs Three: Inland Marine Insurance

AIG lists movable-property offerings with marine risk services; THREE presents inland marine inside its combined Business Owners Policy and offers an online quote.

Source material

01
Inland Marine Insurance
AIG · Official AIG Inland Marine page, lines 242–286: transportation/logistics and construction/equipment segments, example classes, advertised capacity, loss-control and claims support, and policy caveat. · accessed 2026-09-30
02
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
03
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
04
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
05
Commercial Insurance Guide
California Department of Insurance · Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery · accessed 2026-09-16
06
Inland Marine Policy: Contractors’ Equipment
Markel American Insurance Company / American Association of Insurance Services; hosted by Florida Department of Management Services · PDF p.8 declarations; attached Contractors’ Equipment printed pp.1–13 (PDF pp.18–30); replacement-cost endorsement PDF p.34 · accessed 2026-09-16

What Are the Key Differences Between AIG and THREE by Berkshire Hathaway Inland Marine Insurance?

Standalone product families and package coverage

AIG markets inland marine through transportation/logistics and construction/equipment offerings, with contractors among the named audiences. THREE lists Inland Marine as one category in its combined Business Owners Policy rather than as a separate standalone policy. A company buying the THREE package should check whether inland marine appears in its specific quote; a buyer approaching AIG should identify the product category and policy form for its property. [1] [2]

Confirm the line and issuer on the quote

THREE offers an online quote and help from licensed Small Business Advisors. Its sample policy names Berkshire Hathaway Direct Insurance Company as issuer, but the example does not establish who would issue every buyer’s policy. AIG also does not name the issuer for a specific placement in its overview. Request the legal insurer and the issued inland-marine schedule from both providers. [3] [4] [1]

Limits inside the combined policy

The AIG overview leaves property, causes and transit stages to the applicable policy; THREE says the category is marketed within its BOP but does not establish that coverage appears in a particular quote. Compare the scheduled equipment and limits, and ask whether the inland-marine limit is separate from other package limits. [1] [2]

What Should You Confirm in AIG and THREE by Berkshire Hathaway Inland Marine Insurance Quotes?

Which AIG form, insurer and property schedule apply to your movable assets and project locations?
Does THREE’s proposal include Inland Marine, which insurer issues it, and how do its limit and deductible coordinate with the BOP?

Coverage topics

AIG

role: AIG markets inland marine insurance through transportation/logistics and construction/equipment offerings. The exact insurer and legal form for a particular placement are not identified on the overview page. Role in this product is limited to the description on the linked AIG source.company-reportedSource ↗
eligibility: AIG identifies transportation and logistics businesses and construction or equipment exposures, including contractors, equipment and movable business property. The public overview is not a complete applicant eligibility schedule. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability.company-reportedSource ↗
coverage: AIG describes inland marine protection for movable property and lists transportation/logistics plus construction/equipment categories. The page does not determine which property, causes, locations or transit stages are covered in a buyer’s policy. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations.company-reportedSource ↗
services: AIG describes marine risk consulting, risk engineering and claims resources, including route or equipment-risk review where applicable. Its Claims Promise applies only after coverage confirmation and to specified agreed-loss circumstances. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed.company-reportedSource ↗
limits: Published capacity figures are segment-specific and do not establish a buyer’s policy limit. Confirm the scheduled property, sublimits, catastrophe terms and deductible in the quote and policy. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy.not-disclosedSource ↗

THREE by Berkshire Hathaway

role: THREE presents Inland Marine 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 Inland Marine 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 Inland Marine. 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 Inland Marine 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 Inland Marine; 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 Inland Marine; 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 ↗