Professional First Network Security & Privacy Policy
THREE Business Policy (cyber module)
Professional First Network Security & Privacy Policy / THREE Business Policy (cyber module) is a cyber insurance product underwritten by Berkshire Hathaway Specialty Insurance Company (BHSI) / THREE by Berkshire Hathaway (Berkshire Hathaway Inc. (USA)), available in USA. It is aimed at small and medium-sized businesses, mid-market companies, large enterprises and multinational groups. Coverage limits reach up to Bespoke (BHSI); packaged limits (THREE).. Policyholders get 1 bundled proactive service — Risk platform / portal — designed to reduce breach risk before a claim ever happens. The carrier holds an AM Best rating of A++ (Superior) – AM Best. It is distributed through insurance brokers.
Product Details§ 01
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.
- Limited appetite: Healthcare, Retail.
Contact & Response§ 03
Frequently asked questions§ 04
+Who is Professional First Network Security & Privacy Policy / THREE Business Policy (cyber module) designed for?
Professional First Network Security & Privacy Policy / THREE Business Policy (cyber module) by Berkshire Hathaway Specialty Insurance Company (BHSI) / THREE by Berkshire Hathaway targets small and medium-sized businesses, mid-market companies, large enterprises and multinational groups in USA. Geographic scope: Global..
+What proactive security services are included with Professional First Network Security & Privacy Policy / THREE Business Policy (cyber module)?
The policy bundles 1 proactive service: Risk platform / portal. These preventive services are typically included in the premium.
+Does Professional First Network Security & Privacy Policy / THREE Business Policy (cyber module) help with NIS2 or DORA compliance?
Berkshire Hathaway Specialty Insurance Company (BHSI) / THREE by Berkshire Hathaway indicates the following NIS2/DORA support for this product: Not applicable..
+How can I buy Professional First Network Security & Privacy Policy / THREE Business Policy (cyber module) in USA?
Professional First Network Security & Privacy Policy / THREE Business Policy (cyber module) is sold through insurance brokers — broker contact: https://www.bhspecialty.com/ (BHSI broker portal).. Compare it with alternatives in USA on Ryskly before approaching a broker.