What Are the Key Differences Between Chubb and THREE by Berkshire Hathaway Business Owner’s Policy?
Published appetite and quote scope
Chubb says its BOP serves small businesses with up to $30 million in revenue across more than 500 classes, including technology, healthcare, retail, manufacturing, and financial services. THREE’s BOP page markets a combined product but does not publish an equivalent revenue ceiling or class count. Chubb’s stated appetite gives a larger business a concrete eligibility screen; with either provider, ask whether your state and exact operations qualify before comparing premium. [4] [1]
Optional protections and related policies
Chubb names optional BOP enhancements including privacy and data breach, employment practices, equipment breakdown, water backup, and crime coverage. Its Total Account Solution also lists umbrella, workers’ compensation, auto, and management liability as coverages available from the same carrier. THREE’s reviewed page describes multiple categories in its package but does not identify these enhancements or related lines. Ask for the named endorsements and quote schedule to see which needs the BOP addresses and which require separate policies. [4] [4] [1]
What Should You Confirm in Chubb and THREE by Berkshire Hathaway Business Owner’s Policy Quotes?
- Ask Chubb whether your revenue, industry class, and state fit its BOP appetite and which enhancements are available. [4] [4]
- Ask THREE to itemize package coverages and state any endorsements included in the offer. [1]
- Compare Chubb’s same-carrier add-on options with any separate policies in THREE’s proposal. [4] [1]