CNA vs Three: Business Owner’s Policy

CNA Connect serves more than 600 small-business classes with adjustable deductibles; THREE by Berkshire Hathaway offers an online quote with licensed small business advisors, and its sample policy names Berkshire Hathaway Direct Insurance Company as issuer.

Montgomery Risk Partners prepared this library from Spot.Insure comparison research and underlying public records.Research updated 2026-10-01

CNA Connect names buildings, income, contents, equipment, receivables, and money/securities; THREE presents a combined BOP and directs buyers to quote-specific coverage details.

Sources and records

  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
    CNA Connect Small Businessowners Policy (BOP) | CNA Insurance

    CNA · CNA Connect; coverages, product range, services · accessed 2026-09-28

  5. 05
    Business Interruption and Business Owner Policy

    National Association of Insurance Commissioners · Background; General liability, Commercial property and Business interruption bullets · accessed 2026-09-16

  6. 06
    Small Business

    National Association of Insurance Commissioners · FAQ: What’s a business owners policy?; What’s general liability insurance · accessed 2026-09-16

What Are the Key Differences Between CNA and THREE by Berkshire Hathaway Business Owner’s Policy?

Detail available before the quote

CNA Connect describes a package with buildings, income, business contents, computer equipment, receivables, and money or securities, plus optional endorsements. THREE presents its BOP as multiple business coverage categories in one product, but its product page does not establish the exact protections in a buyer’s contract. Request THREE’s insurance summary and compare the named schedules and endorsements with CNA’s offer. [4] [1]

Issuer and purchase process

THREE directs prospects to an online quote and says licensed Small Business Advisors can help; a linked sample policy identifies Berkshire Hathaway Direct Insurance Company, but does not establish the issuer for an individual quote. CNA Connect describes CNA’s own package. Ask THREE to confirm the proposed issuing company and quote-specific limits before comparing price or assuming the sample declarations apply. [2] [3] [4]

What Should You Confirm in CNA and THREE by Berkshire Hathaway Business Owner’s Policy Quotes?

  • Which coverages, limits, and deductibles appear in THREE’s quote-specific summary? [4] [1]
  • Which CNA property schedules and optional endorsements can be matched to those terms? [4] [1]

Provider coverage details

CNA

  • eligibility: CNA says CNA Connect serves more than 600 small-business classes. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • coverage: CNA Connect packages property and general liability exposures including buildings, income, business contents, computer equipment, receivables and money/securities. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • coverage: CNA says CNA Connect has 300+ optional endorsements and adjustable deductibles/limits. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗

THREE by Berkshire Hathaway

  • role: THREE presents its Business Owners Policy as a combined product containing multiple business coverage categories. 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 labels its combined product a Business Owners Policy and describes multiple business coverages in one policy. The reviewed product page does not establish the exact protections included in a particular quote or issued contract. Company's description of the U.S. packaged product; a product name is not a policy entitlement. The buyer's state-specific quote, declarations, and forms control.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 Business Owners Policy 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 Business Owners Policy; 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 Business Owners Policy; 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 ↗

Use this comparison as a starting point for a discussion about your business and its insurance needs.

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