Heffernan vs Three: Business Owner’s Policy

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

Buyer segment and package tailoring

Heffernan describes BOP placement within a small-business division serving sole proprietors through fast-growing companies, with listed industries from construction and food to technology and transportation. It says the team will research and build a custom package for an industry or niche not listed. THREE markets a combined BOP for small businesses but its reviewed page does not describe a comparable tailored-package service. A buyer in an unusual trade can ask Heffernan about a custom placement and ask THREE whether that operation fits its offered package. [4] [1]

Coverage detail available before quoting

Heffernan characterizes a BOP as a bundled combination of major property and liability protections, while THREE also markets a multi-coverage BOP and offers licensed advisor assistance alongside its online quote. Neither description here establishes your final coverage limits or exact endorsements. The useful comparison is what each advisor or quote returns for your actual property, liability exposures, and industry; ask for the package components and exclusions in writing before treating the shared BOP label as equivalent. [4] [2] [1]

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

Ask Heffernan what insurers and forms it would use for a custom package outside its listed industries. [4] [4]
Ask THREE whether your industry and operations fit its package and request its specific exclusions and limits. [1]
Compare the named property and liability components and any additional policies required by your contracts. [4] [1]

Provider coverage details

Heffernan Insurance Brokers

role: Heffernan's small-business division arranges a business owner's policy (BOP) for small and growing companies as one of several coverages it places. Heffernan describes itself as the source businesses go to for insurance, not as the insurer. Small Business Insurance page description of the division and its BOP offering.company-reportedSource ↗
coverage: Heffernan describes a business owner's policy as a package that combines protection for a company's major property and liability risks in one bundle, assembling the basic coverages a business owner needs. Small Business Insurance page's coverage-type list. Specific insuring agreements and exclusions are not detailed there.company-reportedSource ↗
eligibility: Heffernan's small-business insurance targets companies the U.S. Small Business Administration defines as having fewer than 500 employees or less than $7 million in annual receipts, ranging from sole proprietors working from home to fast-growing companies, across industries it lists including construction, food, health care, hospitality, real estate, technology and transportation. Small Business Insurance page's eligibility and industry-list sections.company-reportedSource ↗
services: Heffernan says its small-business division focuses entirely on the needs of small-business clients and will research and build a custom-designed package for an industry or niche not listed on the page. Small Business Insurance page description of the division's approach.company-reportedSource ↗
limits: The small-business page does not publish BOP limits, deductibles or premium ranges. It cites only general statistics on the cost of small-business lawsuits, not Heffernan's own policy terms. Checked the Small Business Insurance page on 2026-09-23.not-disclosedSource ↗
insurer: The small-business page does not name the insurer that would issue a business owner's policy arranged through Heffernan. Checked the Small Business Insurance page on 2026-09-23. The issuing insurer would appear on the quote and declarations.not-disclosedSource ↗

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 ↗

Heffernan says its small-business division can build a custom package for industries outside its list and targets companies from home-based sole proprietors to growing firms. THREE markets a combined BOP with online quote and licensed advisor support.

Sources and records

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
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
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
04
Small Business Insurance
Heffernan Insurance Brokers · Tailor-Made Insurance for Small Businesses; types of coverage we can provide including business owner's policy; industry list; U.S. Small Business Administration size definition · accessed 2026-09-23
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
06
Small Business
National Association of Insurance Commissioners · FAQ: What’s a business owners policy?; What’s general liability insurance · accessed 2026-09-16