Berkshire Hathaway Specialty Insurance Company (BHSI) / THREE by Berkshire Hathaway (Berkshire Hathaway Inc. (USA))
Professional First Network Security & Privacy Policy
THREE Business Policy (cyber module)
by Berkshire Hathaway Specialty Insurance Company (BHSI) / THREE by Berkshire Hathaway
B2BA++Direct—Broker onlyGlobalEnglish
Last updated Apr 2026
Product Details§ 01
Max Insurance Limit
Bespoke (BHSI); packaged limits (THREE).
Min Premium / Revenue
No published minimum.
Market Focus
All sizes; Industry appetite: Professional service firms, Technology / Telecom companies, Financial institutions, Asset managers, Banks, Insurance companies.
Limited appetite: Healthcare, Retail.
AM Best Rating
A++ (Superior) – AM Best (National Indemnity group of insurance companies)
MGA / Direct
No – Direct insurer (BHSI admitted + E&S; THREE direct digital).
Policy Language
English
NIS2 / DORA Support
Not applicable.
War Exclusion
War and nation-state cyber exclusion applied (LMA-aligned).
Geographic Scope
Global.
Broker Only
Yes
Advantages & Limitations§ 02
Advantages
- Two distinct US cyber vehicles:
- — THREE by Berkshire Hathaway (threeinsurance.com): SME packaged all-in-one policy with embedded cyber module; direct/digital; all US states.
- BHSI: October 2024 expanded DACH PI and Cyber lines (Hamburg office); November 2024 expanded Italy PI and Cyber team — confirmed growing global cyber presence.
- BHSI VP Emerging Technology hire (2025): internal AI strategy for underwriting.
- "Claims is our product" philosophy: dedicated underwriting and claims specialists.
Limitations
- Management publicly cautious on cyber aggregation risk (Ajit Jain); writes selectively to satisfy client needs.
- THREE is packaged-only (cyber not standalone).
- Out of appetite: Power utilities, energy companies, municipalities, school districts, higher education, non profits.
Contact & Response§ 03
Customer Contact
24/7 Crisis Hotline
855-453-9675 (BHSI 24/7 claims hotline).
Broker Contact