Startupinsurance vs Three: Inland Marine Insurance

StartupInsurance.ai lists equipment among physical risks and directs buyers to a specialist. THREE by Berkshire Hathaway packages inland marine within its Business Owners Policy and offers sample policy materials.

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

StartupInsurance.ai groups inland marine with physical-risk lines for robotics, hardware, energy and defense technology, with a specialist inquiry rather than self-serve quote.

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
    Insurance Licenses

    ContractorNerd · Company information: "a property and casualty independent insurance agency licensed in all 50 states"; 50-state licensing table for ContractorNerd Insurance Services, LLC · accessed 2026-09-16

  6. 06
    Terms and Conditions

    ContractorNerd · Section 2, Insurance Services: "ContractorNerd is an insurance agency/insurance producer... not an insurance company, does not underwrite insurance"; Section 2.A, Broker/Agent of Record · 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

  8. 08
    Apply for Startup Insurance | StartupInsurance.ai

    StartupInsurance.ai · Coverage-selection screen: seven checkboxes (D&O, Cyber, Tech E&O, EPL, Fiduciary, Crime, GL) · accessed 2026-09-23

  9. 09
    Startup Insurance | Coverage that clears the review

    StartupInsurance.ai · Carrier panel; Physical risk, because AI outgrew software (Products Liability · Inland Marine · Tools and Equipment · Commercial Auto · Builders Risk · Surety · Property; "Building robots, hardware, energy or defense tech?") · accessed 2026-09-23

What Are the Key Differences Between StartupInsurance.ai and THREE by Berkshire Hathaway Inland Marine Insurance?

Hardware-Sector Focus

StartupInsurance.ai lists inland marine among physical-risk lines for founders building robotics, hardware, energy or defense technology, alongside tools and equipment, builders risk and property. THREE lists inland marine within its combined Business Owners Policy. A hardware startup should ask whether the equipment in transit is covered as inland marine, tools and equipment or both, rather than relying on the category label. [9] [1]

Placement Route

StartupInsurance.ai says its licensed agency arranges coverage but does not underwrite it, and its inland-marine call to action asks buyers to discuss requirements with a specialist rather than using the site's general quote flow. THREE directs small businesses to an online package quote and licensed advisors. Ask each route who will source insurers and what equipment schedule they need before issuing terms. [6] [9] [2]

Distinguishing Inland Marine from Tools Coverage

StartupInsurance.ai lists Inland Marine and Tools and Equipment as separate lines on the same physical-risk section. THREE's offering page lists inland marine as a package category but does not explain whether it overlaps with a tools form. Provide an inventory and travel pattern and ask both providers where each item is scheduled, including customer sites and transit. [9] [1]

What Should You Confirm in StartupInsurance.ai and THREE by Berkshire Hathaway Inland Marine Insurance Quotes?

  • Ask StartupInsurance.ai which insurer and form applies and how inland marine differs from its tools-and-equipment line; ask THREE for the exact package section. [6] [1]
  • Confirm replacement values, transit, customer-site storage, theft and deductibles for each scheduled item. [9] [1]

Coverage topics

StartupInsurance.ai

  • coverage: StartupInsurance.ai lists Inland Marine among seven lines in the homepage's "Physical risk, because AI outgrew software" section — Products Liability, Inland Marine, Tools and Equipment, Commercial Auto, Builders Risk, Surety and Property — offered alongside the core startup program of GL, cyber, D&O and related lines. The section lists Inland Marine and "Tools and Equipment" separately, suggesting the two are treated as distinct offerings on this page. Homepage "Physical risk, because AI outgrew software" section as read on 2026-09-23; the reviewed page names the line but does not describe specific coverage terms, forms or exclusions, and does not explain how it distinguishes inland marine from the adjacent tools-and-equipment listing.company-reportedSource ↗
  • eligibility: The section frames these seven lines around founders "building robots, hardware, energy or defense tech," saying StartupInsurance.ai treats them as "our daily lines, not our exceptions" — positioning inland marine as a line it places regularly for hardware-adjacent startups moving equipment between sites, rather than as a rare add-on. Same homepage section; describes the target customer segment StartupInsurance.ai says it serves for this catalogue of lines, not formal underwriting eligibility criteria.company-reportedSource ↗
  • role: StartupInsurance.ai does not underwrite inland marine coverage itself. ContractorNerd Insurance Services, LLC, the licensed property and casualty agency behind the brand, is licensed in all 50 states and arranges placement; its terms describe the company as an insurance agency/producer that does not underwrite insurance. ContractorNerd's terms and conditions and insurance-licenses page; describes the brokerage's general role, not inland-marine-specific placement terms.company-reportedSource ↗Source ↗Source ↗
  • insurer: The homepage's carrier panel names six insurers at the program level (The Hartford, Chubb, Coalition, Tokio Marine HCC, Travelers and CNA) but does not state which one, if any, underwrites a given company's inland marine policy. Carrier panel is program-wide rather than broken out by line; the insurer for an inland marine placement is not disclosed on the pages reviewed and varies by placement.not-disclosedSource ↗
  • application: The physical-risk section's call to action reads "Ask about your insurance requirements →" rather than the "Get Quotes" button used elsewhere on the homepage, indicating inland marine is discussed with a specialist rather than quoted through a self-serve form. Homepage "Physical risk, because AI outgrew software" section as read on 2026-09-23; the page does not describe what that conversation covers.company-reportedSource ↗
  • application: The public quote-application's coverage-selection screen offers seven checkboxes (D&O, Cyber, Tech E&O, EPL, Fiduciary, Crime and GL); Inland Marine is not one of them, so it is not part of that self-serve intake flow. Initial coverage-selection screen of the quote application as read on 2026-09-23; a later screen or specialist conversation could still address this line.not-foundSource ↗
  • limits: The reviewed pages do not publish sample inland marine limits, scheduled-equipment values or deductibles. Homepage and quote-intake screen as read on 2026-09-23; limits would only surface on an actual quote.not-foundSource ↗Source ↗

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 ↗

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