Hub International vs Three: Inland Marine Insurance

HUB International describes inland marine for property in transit or temporary locations, including cargo and exhibits. 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

Coverage topics

HUB International

  • role: HUB brokers inland marine insurance through its marine insurance practice, drawing on what it describes as relationships with domestic and international insurance carriers rather than underwriting the coverage itself. Marine product page; neither reviewed page names a specific issuing insurer for inland marine.company-reportedSource ↗
  • coverage: HUB's glossary defines inland marine insurance as domestic coverage that protects business property, such as equipment, machinery or products, while it is transported over land by truck or train, used at a job site, or stored in a warehouse, including specialized items a standard business owner's policy would not cover. Glossary page definition; the issued policy's schedule of covered property and exclusions controls an actual claim.company-reportedSource ↗
  • coverage: HUB lists trade show exhibits, cargo items, sales samples, communication equipment, medical equipment, computer systems and photography equipment as examples of property commonly insured under an inland marine policy. Glossary page property examples; a specific policy's covered-property list is set on the quote and declarations.company-reportedSource ↗
  • coverage: HUB says inland marine policies can cover perils including fire, hail, theft, water damage and wind, plus accidental damage and mysterious disappearance of covered property. Glossary page peril list; coverage for a specific peril depends on the policy form and endorsements.company-reportedSource ↗
  • coverage: HUB's marine practice groups inland marine alongside related marine coverages it arranges, including marine cargo insurance, stock throughput insurance, protection and indemnity, charterers' liability and hull and machinery liability. Marine product page tailored-solutions list; not every listed coverage applies to a given inland marine client.company-reportedSource ↗
  • limits: HUB says most inland marine policies carry a deductible and a stated coverage limit, and warns that claiming a loss beyond the policy's coverage limit can lead to penalties, but the reviewed pages do not publish specific deductible or limit amounts. Glossary page policy-structure description; actual deductibles and limits are set on the quote and declarations.company-reportedSource ↗
  • application: HUB's marine page directs prospective clients to "Connect With a Broker" or contact a HUB marine insurance specialist rather than an online quote or bind flow. Marine product page call-to-action text.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 ↗

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

Marine Broker Placement and Combined Policy

HUB places inland marine through its marine insurance practice and describes relationships with domestic and international carriers. THREE lists inland marine as one category in its combined Business Owners Policy. Request HUB's proposed insurer and ask THREE whether its package quote includes the requested inland-marine limit rather than relying on the catalogue label. [6] [1]

Property in Transit and Specialized Equipment

HUB defines inland marine as domestic protection for property moved by truck or train, used at jobsites or stored in warehouses, including trade-show exhibits, cargo, sales samples, communications, medical and computer equipment. It also lists theft, weather and accidental damage among possible covered perils. THREE's reviewed record identifies the line without comparable item or peril detail. Give both providers an inventory and route schedule to confirm covered property and causes of loss. [5] [1]

Limits and Buying Route

HUB says inland-marine policies generally have deductibles and stated limits but does not publish amounts, and directs prospects to a marine specialist rather than an online bind flow. THREE offers an online quote with advisor assistance. Ask for limits and deductibles item by item, especially for equipment whose replacement cost exceeds a standard sublimit. [5] [6] [2]

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

  • Ask HUB for the carrier, deductible and scheduled limit; ask THREE to identify which items and perils its combined policy covers. [6] [1]
  • Compare transit, jobsite and warehouse territory, theft and accidental-damage terms, and sublimits for specialized property. [5] [1]

HUB names equipment, trade-show exhibits, medical equipment and other specialty property, with broker-led placement. THREE lists inland marine as a package category.

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

  5. 05
    Inland Marine Insurance Definition

    HUB International · Definition; covered property types (trade show exhibits, cargo items, sales samples, communication equipment, medical equipment, computer systems, photography equipment); covered perils; deductible and coverage-limit explanation · accessed 2026-09-23

  6. 06
    Marine Insurance Broker Policy & Coverage

    HUB International · Navigate the Changing Landscape: strong relationships with domestic and international insurance carriers; Tailored Solutions list including Marine Cargo Insurance, Stock Throughput Insurance, Protection & Indemnity, Charterers' Liability, Hull & Machinery Liability; Connect With a Broker call to action · accessed 2026-09-23

  7. 07
    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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