Berkshire Hathaway Specialty Insurance vs Three: Inland Marine Insurance

Berkshire Hathaway Specialty Insurance lists inland transportation and marine risks for developers and general contractors. THREE by Berkshire Hathaway includes Inland Marine in its small-business Business Owners Policy and offers online quotes.

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

Berkshire Hathaway Specialty Insurance identifies inland transit, cargo, warehouse and contractor equipment classes. THREE by Berkshire Hathaway markets Inland Marine within its Business Owners Policy and directs small businesses to an online quote with licensed advisor support.

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

What the Published Offering Defines

Berkshire Hathaway Specialty Insurance’s catalog names separate classes—transit, motor-truck cargo, warehouse legal liability, contractor equipment and installation. THREE by Berkshire Hathaway presents Inland Marine as one component of its combined Business Owners Policy rather than a separate standalone product on the reviewed page. A buyer comparing these approaches should map the actual exposure to the package schedule at THREE by Berkshire Hathaway and to the relevant marine class at Berkshire Hathaway Specialty Insurance; the labels do not show which risks a quote includes. [4] [1]

Buying and Policy Details to Resolve

THREE by Berkshire Hathaway directs small-business buyers to an online quote and offers licensed Small Business Advisors to help, while Berkshire Hathaway Specialty Insurance’s catalog is aimed at commercial categories including developers, contractors, logistics and warehousemen. The THREE by Berkshire Hathaway page does not publish a separate inland-marine limit or deductible; its quote-specific summary carries those details. Ask for the scheduled property, covered causes and insurer on the actual quote before comparing package convenience with a dedicated marine placement. [4] [2]

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

  • Does THREE by Berkshire Hathaway’s quote include Inland Marine for your specific equipment, and at what limit? [4] [1]
  • Which Berkshire Hathaway Specialty Insurance marine class applies, and what separate deductible and schedule will it use? [4] [1]

Coverage topics

Berkshire Hathaway Specialty Insurance

  • coverage: BHSI's marine catalog includes inland transit, motor-truck cargo, warehouse legal liability, contractor equipment and installation risks. US commercial marine and inland-marine products. Material limitation: These are separate scheduled exposures/forms; not all are necessarily available in one policy.company-reportedSource ↗
  • coverage: BHSI describes additional inland-marine risks such as exhibition property, scheduled articles, small tools and leased equipment. Commercial inland marine placements. Material limitation: Eligibility, deductibles, limits and geographic scope depend on the policy.company-reportedSource ↗
  • eligibility: For Inland Marine, BHSI lists developers, general contractors, logistics, transportation, oil and gas, utilities, and warehousemen as top targets. BHSI U.S. Inland Marine target-account list only. Material limitation: Target examples do not guarantee eligibility; do not substitute the separate Ocean Marine customer list or combine the products/forms.company-reportedSource ↗

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 ↗

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
    Marine

    Berkshire Hathaway Specialty Insurance · Inland and ocean marine product list, covered property classes and target businesses; lines 18-69 · accessed 2026-09-28

  5. 05
    Commercial Insurance Guide

    California Department of Insurance · Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery · accessed 2026-09-16

  6. 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

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