Pie Insurance vs Three: Business Owner’s Policy

Pie describes commercial property, liability, and business interruption within its BOP and directs buyers to contact it for a quote. THREE markets a combined BOP and provides an online quote with licensed advisor assistance.

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 Owner's Policy | BOP Insurance
Pie Insurance · What's typically covered by BOP insurance? Commercial Property Insurance, Commercial Liability Protection, Business Interruption Insurance; How does BOP insurance help protect small businesses?; Make sure you're covered: Start your BOP quote · accessed 2026-09-23

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

Property, liability, and interruption

Pie describes its BOP as a bundle of commercial property for buildings, inventory, and equipment; liability for injury, property damage, and advertising injury; and business interruption that can cover payroll and temporary relocation after a covered catastrophe. THREE also markets a combined BOP, but its reviewed page does not enumerate these protections. If a shutdown would create payroll or relocation costs, compare the interruption triggers and limits in both proposals rather than relying on the shared package name. [6] [1]

How the buyer begins

Pie directs BOP buyers to contact the company to start a quote; its page does not describe the three-minute self-service flow it advertises for workers’ compensation. THREE offers an online quote and says licensed Small Business Advisors can help. For a buyer balancing speed and guidance, ask Pie what happens after contact and ask THREE when an advisor enters the process. Pie identifies itself as an intermediary that finds offers from carrier partners, while THREE’s sample declarations name Berkshire Hathaway Direct Insurance Company. [6] [2] [3]

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

Ask Pie which carrier is proposed and how business-interruption payroll and relocation costs are limited. [6]
Ask THREE to enumerate the included BOP coverages and show interruption terms. [1]
Compare each quote timeline and identify the person handling follow-up. [6] [2]

Provider coverage details

Pie Insurance

role: Pie says it helps small businesses find the best BOP quote and coverage 'from our insurance carrier partners,' identifying itself as an intermediary for this line rather than the underwriter. BOP product page as read on 2026-09-23.company-reportedSource ↗
insurer: The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's BOP product. BOP product page as read on 2026-09-23.not-disclosedSource ↗
coverage: Pie describes BOP insurance as bundling commercial property coverage (building, inventory, equipment against fire, explosion, smoke, vandalism, or wind), commercial liability protection (bodily injury, property damage, advertising injury), and business interruption coverage (payroll and temporary relocation costs after a covered catastrophe). BOP product page as read on 2026-09-23; the issued policy and endorsements control actual coverage.company-reportedSource ↗
eligibility: Pie markets BOP as liability and property insurance customized and bundled for small businesses, and cross-sells it alongside workers' compensation, cyber, and commercial auto on other small-business product pages. BOP product page as read on 2026-09-23; no minimum size or industry restriction was published.company-reportedSource ↗
application: Pie directs BOP buyers to contact the company to start a quote through its website; the page does not describe the same three-minute self-service flow it advertises for workers' compensation. BOP product page as read on 2026-09-23.company-reportedSource ↗
limits: The reviewed page does not publish limits, deductibles, or premium ranges for BOP coverage. BOP product page as read on 2026-09-23.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 ↗