What Are the Key Differences Between Embroker and THREE by Berkshire Hathaway Business Owner’s Policy?
Eligibility and exclusions
Embroker states a specific target profile: fewer than 100 employees, less than $10 million annual revenue, and a physical location, including a home office. Its BOP description also says cyberattacks, professional errors, employment claims, and criminal activity are excluded, while workers’ compensation and commercial auto usually require separate policies. THREE markets a combined BOP but does not publish matching eligibility ceilings or exclusions in the reviewed product description. Embroker’s detail helps screen fit; ask THREE for those terms before deciding whether the packages cover the same risks. [4] [1]
What the BOP includes
Embroker names property damage or theft, third-party bodily injury and property damage, and business interruption in its base BOP; it also describes endorsements for professional liability, employment practices, spoiled merchandise, and mechanical breakdown. THREE’s public description identifies a combined BOP without itemizing specific insuring agreements. That difference matters if you rely on business-income coverage or need a mechanical-breakdown extension: compare the schedules and endorsements, not the product label alone. [4] [4] [1]
What Should You Confirm in Embroker and THREE by Berkshire Hathaway Business Owner’s Policy Quotes?
- Ask Embroker to show the excluded claims and separate policies needed for cyber, employment claims, auto, and workers’ compensation. [4]
- Ask THREE for employee, revenue, and location eligibility plus exclusions and sublimits. [1]
- Compare business-interruption terms and whether breakdown or spoiled-merchandise endorsements are offered. [4] [1]