Chubb vs Three: Inland Marine Insurance

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

Tailored Underwriting and Package Component

Chubb says it underwrites inland marine directly and tailors coverage to a business's specific risks rather than offering one fixed product. THREE lists inland marine as a category in its combined Business Owners Policy. Ask Chubb which standalone inland-marine form fits the property and ask THREE whether the package quote schedules those items or leaves them outside the policy. [5] [1]

Builders Risk, Equipment and Leased Property

Chubb names builders risk, residential homebuilders coverage, engineered risk for large civil and utility projects, contractors equipment fleets, and leased or financed property among its inland-marine offerings. THREE lists the line without comparable product examples in the reviewed record. Contractors and developers should provide project values, equipment schedules and leased-property details to determine which categories each quote addresses. [5] [1]

Loss Control and Online Tools

Chubb says regular loss-control service is included in the inland-marine premium, with more complex consultations available for a fee, and offers web-based quoting tools for builders risk and contractors equipment. THREE directs buyers to online quote intake and licensed advisors but the reviewed evidence does not detail equivalent marine risk-control services. Compare available site reviews, consultation costs and quote workflows. [5] [2]

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

Ask Chubb which equipment, projects and leased property are scheduled and whether consultations carry a separate fee; ask THREE for its listed property and limits. [5] [1]
Compare transit, storage, jobsite, builders-risk and contractors-equipment terms against the actual inventory. [5] [1]

Coverage topics

Chubb

role: Chubb underwrites inland marine coverage directly and describes it as tailorable to a business's specific inland marine risks rather than a single fixed product. Inland Marine product page.company-reportedSource ↗
coverage: Chubb's inland marine line includes builders' risk insurance, homebuilders builders' risk for residential contractors, engineered risk insurance for large civil transportation and utility projects, contractors equipment insurance for construction equipment fleets, and coverage for leased or financed property. Innovative inland marine insurance coverage solutions list; each is a distinct sub-product.company-reportedSource ↗
eligibility: Chubb positions its inland marine solutions for transportation and logistics companies, contractors and developers, and describes coverage scaling from single-location residential builders to regional homebuilders. Product page introduction and Homebuilders builders' risk description.company-reportedSource ↗
limits: The reviewed page does not publish specific coverage limits or deductibles for inland marine coverage; these vary by sub-product. Inland Marine product page as read on 2026-09-23.not-foundSource ↗
services: Chubb says regular loss-control services are included as part of the inland marine premium, with more complex risk evaluation and management consultations available on a fee-for-service basis, and offers u*writer Builders Risk and u*writer Contractors Equipment as web-based quoting tools. Inland marine engineering services and Online tools & solutions sections.company-reportedSource ↗
application: You can request a quote online, or an appointed independent agent or broker can apply for a Chubb Appointment to place inland marine coverage. Inland Marine product page quote call-to-action for business owners and for agents and brokers.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 ↗

Chubb names builders risk, contractors equipment and leased property and includes regular loss control in the premium. THREE lists inland marine in its package.

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 · Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery · accessed 2026-09-16
05
Inland Marine Insurance
Chubb · Innovative inland marine insurance coverage solutions list: builders' risk, homebuilders builders' risk, engineered risk, contractors equipment, leased property & installment sales; Inland marine engineering services section · accessed 2026-09-23
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