Nationwide vs Three: Business Owner’s Policy

Provider coverage details

Nationwide

role: Nationwide describes offering business owners policy for the audience stated on the cited product page. business owners policy marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
eligibility: Small businesses matching the source's BOP description; underwriting and state availability remain subject to quote. business owners policy marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
coverage: The cited product page describes a package combining business liability, commercial property, business income, and equipment-breakdown coverage as described by Nationwide. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. business owners policy marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
application: The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. business owners policy marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.company-reportedSource ↗
limits: The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred.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 ↗

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

Specific Coverage Evidence

THREE labels its combined business policy a BOP and links a sample policy, but the reviewed product page does not establish which protections apply to a particular quote or issued contract. Nationwide's overview specifically describes business liability, commercial property, business income, and equipment breakdown. For THREE, review the declarations and forms attached to your quote rather than relying on the product label; compare each coverage against Nationwide's stated categories and limits. [1] [3] [6]

Issuer and Quote Support

THREE's linked sample declarations identify Berkshire Hathaway Direct Insurance Company as issuer, and its quote page offers an online start with help from licensed Small Business Advisors. Nationwide's overview directs customers to an agent or quote request but does not name the issuing insurer there. A sample issuer does not prove who will issue your policy; ask for the insurer on your own declarations and compare advisor support and application steps. [3] [2] [6]

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

Ask THREE for the actual policy forms and declarations listing covered property, liability, income, and equipment-breakdown terms; compare them with Nationwide's quote. [1] [6]
Confirm each quote's issuing insurer and the point at which the advisor or agent can bind coverage. [3] [6]

THREE markets a combined BOP and provides a sample policy identifying Berkshire Hathaway Direct Insurance Company as issuer, but its product overview does not establish the exact coverages in a quote. Nationwide describes liability, property, business income, and equipment breakdown.

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
Business Interruption and Business Owner Policy
National Association of Insurance Commissioners · Background; General liability, Commercial property and Business interruption bullets · accessed 2026-09-16
05
Small Business
National Association of Insurance Commissioners · FAQ: What’s a business owners policy?; What’s general liability insurance · accessed 2026-09-16
06
Business Owners Policy (BOP Insurance)
Nationwide · BOP page; package components and business property/liability coverage. · accessed 2026-09-30