Berkshire Hathaway: The Triumphant Trio

Berkshire Hathaway: The Triumphant Trio

 Berkshire Hathaway THREE Review

THREE is a new business insurance solution from Berkshire Hathaway. It offers all the protections small businesses need in a single policy. It covers everything from commercial property coverage to cybersecurity. It also includes workers’ compensation.

The insurance solution is backed by the National Indemnity Company. You can easily get a quote for Three online.

It’s a three-page policy


THREE insurance is a new business policy that aims to eliminate gaps in coverage for small businesses by bundling policies that are required by law (workers’ compensation and commercial auto) with those that aren’t but highly recommended (general liability, property, and cyber insurance). The policy also includes optional enhancements that many other companies offer as separate policies.

The three-page policy is easy to understand and allows small businesses to save up to 20% on premiums. The policy is backed by Warren Buffett’s Berkshire Hathaway, which has a reputation for financial strength and an excellent track record. Its AM Best rating is A++.

While the three-page policy has its advantages, it also has some drawbacks. For example, the company does not provide a nose or tail policy for the property coverages in its policy, and it does not include a quota-share reinsurance option. This may be an issue for some small businesses, but the company’s small business advisors can help you customize your policy to meet your specific needs.

It’s a one-stop shop

Berkshire Hathaway’s three-page insurance policy offers a bundle of coverage that small business owners need. It offers general liability, commercial auto, cyber insurance, workers’ compensation and business interruption. Normally, these policies are sold separately. The company is aiming to make small businesses comfortable with this one-stop policy.


Berkshire’s new product is an attempt to compete with other companies that offer similar services. For example, biBERK allows shoppers to purchase and manage policies online. However, it doesn’t offer the same level of coverage as a THREE policy.


THREE also aims to reduce the time small business owners spend reviewing and negotiating policies, which can be dozens of pages long. It also helps small business owners save money on multiple policies that are often bundled together. THREE will be offered by Berkshire’s national agency network, which includes a number of regional and local offices. It will also be available through Berkshire’s online brokerage, e-BRIG. The company’s e-BRIG division will handle the administration of the policy and provide claims support.

It’s backed by Berkshire Hathaway

Berkshire Hathaway is a conglomerate with interests in insurance and reinsurance, utilities and energy, freight rail transportation, and manufacturing. Its insurance operations are the most important, generating billions in float. The company owns several insurers and reinsurers, including GEICO and Gen Re, which provide excess-of-loss and quota-share reinsurance on property and casualty risks worldwide. It also owns Helzberg Diamonds and the Orange Julius chain of restaurants.

Berkshire is launching THREE, a three-page business insurance product that combines common coverage solutions into one comprehensive policy that’s free of intimidating terminology. It offers workers compensation, multiple liability coverages (including general, errors and omissions, and cyber), and property.


THREE has an AM Best rating of A++, which indicates that it is able to meet its financial obligations. The company expects to offer the policy nationwide as soon as state regulatory filings and approvals are complete. It will be offered directly to small businesses. This will cut out middlemen and reduce costs.


Berkshire Hathaway's investments.

As of my last update in September 2021, Berkshire Hathaway's investment portfolio is one of the most closely watched and respected in the world. The company's investment strategy is primarily managed by Warren Buffett, along with Vice Chairman Charlie Munger and a team of skilled investment managers.

Here are some key points about Berkshire Hathaway's investments:


Publicly Traded Stocks: Berkshire Hathaway holds significant stakes in various publicly traded companies. Some of the most notable investments in its portfolio include companies like Apple, Bank of America, Coca-Cola, American Express, Wells Fargo, and many others. The company often focuses on large, well-established companies with strong competitive advantages and long-term growth potential.

Long-Term Approach: One of Berkshire Hathaway's defining characteristics is its long-term investment horizon. Buffett and his team generally hold their investments for extended periods, sometimes decades. This approach is rooted in the belief that high-quality businesses will compound in value over time, delivering substantial returns for shareholders.

Value Investing: Berkshire Hathaway's investment philosophy is often described as "value investing." This means the company seeks to invest in undervalued assets or companies that are trading below their intrinsic value. By identifying bargains in the market, Berkshire aims to benefit from their appreciation over time.

Diversification: Berkshire Hathaway's investment portfolio is diversified across various industries and sectors. This diversification helps mitigate risk, as the performance of different sectors may vary over time.

Acquisitions: In addition to publicly traded stocks, Berkshire Hathaway has made significant acquisitions of entire companies. The conglomerate has acquired businesses in industries such as insurance, manufacturing, transportation, and more. Some well-known acquisitions include BNSF Railway, Precision Castparts, Duracell, and See's Candies.

Cash Reserves: Berkshire Hathaway often maintains a substantial cash reserve, which allows it to take advantage of investment opportunities during market downturns or economic uncertainties. This "war chest" gives the company financial flexibility and the ability to act quickly when attractive opportunities arise.

It's important to note that the specifics of Berkshire Hathaway's investment portfolio may have changed since my last update. The company regularly files its quarterly and annual reports with the U.S. Securities and Exchange Commission (SEC), where detailed information about its holdings can be found. For the latest and most accurate information, I recommend consulting the company's official reports and announcements.

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