---
title: "AIG vs THREE by Berkshire Hathaway: Equipment Breakdown Insurance"
description: "AIG lists breakdown within selected specialty programs; THREE markets it as part of a combined BOP and directs small businesses to an online quote."
canonical: "https://spot.insure/compare/aig-vs-three/equipment-breakdown"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aig-vs-three"
provider-a: "aig"
provider-b: "three"
coverage-line: "equipment-breakdown"
---

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[Human-readable page](https://spot.insure/compare/aig-vs-three/equipment-breakdown)

## Agent Guide

**What this page is:** Focused comparison of AIG and THREE by Berkshire Hathaway for Equipment Breakdown Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Equipment Breakdown Insurance questions about AIG versus THREE by Berkshire Hathaway. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- AIG vs THREE by Berkshire Hathaway for Equipment Breakdown Insurance: how do they differ?
- Which is better for Equipment Breakdown Insurance, AIG or THREE by Berkshire Hathaway?
- What does AIG or THREE by Berkshire Hathaway publish about Equipment Breakdown Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Equipment Breakdown Insurance from AIG or THREE by Berkshire Hathaway?

**Key facts:**
- Line: Equipment Breakdown Insurance. Providers: AIG and THREE by Berkshire Hathaway.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [AIG vs THREE by Berkshire Hathaway](https://spot.insure/compare/aig-vs-three) — parent: all coverage lines for this pair
- [Equipment Breakdown Insurance guide](https://spot.insure/coverage/equipment-breakdown) — coverage explainer for this line
- [AIG profile](https://spot.insure/insurance-providers/aig) — provider profile (evidence)
- [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence)
- [AIG vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/aig-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/aig-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/aig-vs-three/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/aig-vs-three/directors-officers) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-three/employment-practices) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-three/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/aig-vs-three/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/aig-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Alliance Risk Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-alliance-risk/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Baldwin Group Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-baldwin/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [AIG vs Chubb Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-chubb/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [AIG vs CNA Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-cna/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [AIG vs Coverdash Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-coverdash/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [AIG vs HUB International Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-hub-international/equipment-breakdown) — sibling comparison (other line, or other pair for this line)

# AIG vs THREE by Berkshire Hathaway: How Do They Compare for Equipment Breakdown Insurance?

AIG lists breakdown within selected specialty programs; THREE markets it as part of a combined BOP and directs small businesses to an online quote.

## Research Scope and Use

Use this comparison to evaluate AIG and THREE by Berkshire Hathaway for Equipment Breakdown Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

THREE lists equipment breakdown in its combined Business Owners Policy but does not publish a separate limit; AIG shows it as a component of selected programs. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

## What Is AIG?

AIG is the marketing name for American International Group, Inc.; AIG says its insurance products are written or provided by subsidiaries or affiliates. Its U.S. business pages list commercial casualty, property, cyber, management and professional liability, and specialty programs, but a brand-level page does not identify the insurer for a particular policy. [1](https://www.aig.com/investor-relations "Investor Relations") [2](https://www.aig.com/home/risk-solutions/business "Business")

[AIG profile](https://spot.insure/insurance-providers/aig)

## THREE small business insurance: coverage, issuer and buying routes

THREE markets a packaged commercial insurance product through a direct quote route and partner agents. Berkshire Hathaway Direct Insurance Company is named as issuer on THREE’s sample policy. [4](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

[THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three)

## What Is Equipment Breakdown Insurance?

Equipment-breakdown coverage can help repair covered machinery or building equipment after a mechanical or electrical failure. It fits businesses that depend on equipment to operate; check whether lost income, spoilage and utility failures are included. [7](https://www.iii.org/article/understanding-commercial-package-policies "Understanding Commercial Package Policies") [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://www.travelers.com/risk-control/specialties/equipment-breakdown "Equipment Breakdown") [10](https://www.munichre.com/content/dam/munichre/hsb/hsb-iic/documents/hsb-techadvantage-equipment-breakdown-coverage-form.pdf/_jcr_content/renditions/original./hsb-techadvantage-equipment-breakdown-coverage-form.pdf "HSB TechAdvantage Equipment Breakdown Coverage Form")

## Key Differences in Equipment Breakdown Insurance

### BOP Inclusion and Program Components

THREE lists Equipment Breakdown as one component of its combined Business Owners Policy, and small businesses can begin an online quote. Its public product page does not state a separate equipment-breakdown limit or deductible. AIG’s directory also lists breakdown within selected programs, including motorsports, dental, and leisure schedules, without a general standalone specification. Buyers should check whether THREE includes the line in their specific quote and whether AIG’s named program fits their industry. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance")

### Policy Exclusions and Included Equipment

THREE’s sample policy excludes some equipment that stops without an accident, while its product page separately advertises equipment-breakdown coverage; the materials do not explain how the item changes that exclusion. AIG’s directory does not identify its covered equipment or failure trigger. A buyer should ask both providers for the exact breakdown endorsement, the interaction with machinery exclusions, and the limit and deductible on the quote rather than infer response from the coverage label. [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance")

## What to Confirm in Equipment Breakdown Insurance Quotes

- Ask THREE which equipment failures override the sample-policy machinery exclusion and what line limit appears in your quote. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")
- Ask AIG for the program’s breakdown endorsement and a list of covered equipment and triggers. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance")

## Offering Details

| Criteria | AIG Equipment Breakdown in Named Programs | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | AIG’s directory documents equipment-breakdown coverage only as a component of specified programs in this draft. It does not support a claim that AIG offers the same terms as a broad standalone product. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") (Evidence: Company-reported; scope: Role in this product is limited to the description on the linked AIG source..) | THREE presents Equipment Breakdown as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Company-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant..) |
| Issuing Insurer | Confirm in your quote. | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: 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..) |
| Who It’s For | The page lists equipment breakdown within certain named programs, including community associations, dental businesses, leisure, manufactured housing, motorsports and ski operations. It does not publish a general standalone equipment-breakdown eligibility schedule. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") (Evidence: Company-reported; scope: Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability..) | The reviewed product page does not state separate eligibility rules for Equipment Breakdown; the general quote and advisor route is not proof that a particular business qualifies for it. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [4](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms..) |
| Coverage Features | AIG lists Equipment Breakdown as a coverage component in the named program schedules. It does not publish covered equipment, causes of loss, waiting periods, limits or exclusions for an individual policy on this directory page. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") (Evidence: Company-reported; scope: AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations..) | THREE's Business Owners Policy page lists Equipment Breakdown, while its sample policy also excludes some machinery, equipment, or listed vehicles that stop without an accident. The public materials do not establish how an offered equipment-breakdown item changes that sample exclusion. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Company marketing and the displayed sample policy only; the selected quote, state-specific forms, and endorsements determine whether a specific equipment breakdown loss is covered..) |
| Limits and Retentions | The directory states no buyer-specific equipment-breakdown limit, deductible, waiting period or equipment schedule. Those remain dependent on the applicable program and policy form. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") (Evidence: Not publicly disclosed; scope: This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy..) | The reviewed public product page does not state a separate limit or deductible for Equipment Breakdown; THREE says the quote-specific insurance summary lists limits and deductibles. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible..) |
| Risk Services | For Program Administrators, AIG describes underwriting, claims and loss-control teams, program development support and admitted or non-admitted program structures. These are program services and not policy entitlements. [3](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance") (Evidence: Company-reported; scope: The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed..) | Confirm in your quote. |
| How to Apply | Confirm in your quote. | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. [4](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: This is the route for the overall THREE product. It does not show whether Equipment Breakdown will be offered for a particular business or whether a customer can bind that line without an issued policy..) |

## Full Comparison

- [AIG vs THREE by Berkshire Hathaway](https://spot.insure/compare/aig-vs-three): all coverage lines, business roles, service and claims.
- [What Is Equipment Breakdown Insurance?](https://spot.insure/coverage/equipment-breakdown): Equipment breakdown can help repair covered machinery after mechanical or electrical failure; check whether downtime, spoilage and utility interruption are also covered.
- [AIG vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/aig-vs-three/commercial-auto)
- [AIG vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/aig-vs-three/commercial-property)
- [AIG vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/aig-vs-three/cyber)
- [AIG vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/aig-vs-three/directors-officers)
- [AIG vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-three/employment-practices)
- [AIG vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-three/fiduciary)
- [AIG vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/aig-vs-three/general-liability)
- [AIG vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/aig-vs-three/inland-marine)
- [AIG vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-three/professional-errors-omissions)
- [AIG vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-three/workers-compensation)
- [AIG vs Alliance Risk Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-alliance-risk/equipment-breakdown)
- [AIG vs The Baldwin Group Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-baldwin/equipment-breakdown)
- [AIG vs Chubb Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-chubb/equipment-breakdown)
- [AIG vs CNA Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-cna/equipment-breakdown)
- [AIG vs Coverdash Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-coverdash/equipment-breakdown)
- [AIG vs HUB International Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-hub-international/equipment-breakdown)

## Sources

### AIG

1. [Investor Relations](https://www.aig.com/investor-relations). American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
2. [Business](https://www.aig.com/home/risk-solutions/business). AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
3. [AIG Programs Insurance](https://www.aig.com/home/risk-solutions/business/aig-programs). AIG; Official AIG program directory, lines 384–397 (community associations), 424–437 (dental), 485–498 (leisure), 510–525 (manufactured housing), 526–543 (motorsports) and 561–577 (ski programs): equipment breakdown appears in named nationwide program schedules. General program terms and form caveat at lines 242–284 and 680–680.. Accessed 2026-09-30.

### THREE by Berkshire Hathaway

4. [Jargon-free small business insurance - THREE by Berkshire Hathaway](https://threeinsurance.com/). 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.
5. [The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway](https://threeinsurance.com/the-policy). 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.
6. [Business Owners Policy - THREE by Berkshire Hathaway](https://threeinsurance.com/business-owners-policy). 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.

### Equipment Breakdown Insurance Guide

7. [Understanding Commercial Package Policies](https://www.iii.org/article/understanding-commercial-package-policies). Insurance Information Institute; Available CPP additions: Equipment breakdown. Accessed 2026-09-16.
8. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Boiler and Machinery; Commercial Property: Covered Causes of Loss; Commercial Property: Time Element; Inland Marine; Coverage Forms and/or Specialty Coverages. Accessed 2026-09-16.
9. [Equipment Breakdown](https://www.travelers.com/risk-control/specialties/equipment-breakdown). Travelers; Definition and equipment list. Accessed 2026-09-16.
10. [HSB TechAdvantage Equipment Breakdown Coverage Form](https://www.munichre.com/content/dam/munichre/hsb/hsb-iic/documents/hsb-techadvantage-equipment-breakdown-coverage-form.pdf/_jcr_content/renditions/original./hsb-techadvantage-equipment-breakdown-coverage-form.pdf). The Hartford Steam Boiler Inspection and Insurance Company; G.1 Accident, PDF p.17; A.2.a–c p.1; C.2 pp.8–9; C pp.8–9; D pp.9–10; E.10 Valuation, PDF pp.13–14; G.10–11 pp.18–19; A.2.n p.5 (Off Premises Equipment Breakdown); A.2.p pp.5–6; A.2.r p.6; G.18 p.20 (Interruption of Service). Accessed 2026-09-16.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## AIG Reviews

Review Score: 4.4 / 10 from 2 rated sources, equally weighted.

Customer ratings for AIG are low: Trustpilot shows 1.9 out of 5 from 252 reviews, and NerdWallet gives 2.5 stars and notes more claims complaints than expected. These pages cover many AIG products and countries, so they only loosely describe business insurance.

- NerdWallet: NerdWallet editorial rating 2.5 (stars). NerdWallet’s editorial business-insurance comparison; the AIG entry concerns commercial liability and property insurance, not a quantified policyholder-review sample. The page’s complaint statement and 2.5-star editorial rating are source-specific and must not be recast as a consumer average. Checked 2026-09-29. [Business Insurance: Get Quotes and Coverage Today](https://www.nerdwallet.com/business/insurance/best)
- Trustpilot: Trustpilot TrustScore 1.9 (out of 5); 252 reviews. Consumer reviews on aig.com’s Trustpilot profile span products and countries, including personal, travel, device/service and other experiences; they do not isolate U.S. commercial-P&C policyholders or a single issuing insurer. Checked 2026-09-29. [AIG Reviews](https://www.trustpilot.com/review/aig.com)
- ConsumerAffairs: ConsumerAffairs average 1.0 (out of 5); 274 reviews. ConsumerAffairs page titled AIG Life Insurance Reviews, updated 2026-08-14. The page mixes life and high-net-worth home references and reviewers may describe other AIG relationships; it is not a commercial-P&C-only population. Checked 2026-09-29. [AIG Life Insurance Reviews](https://www.consumeraffairs.com/insurance/aig_life.html)
- BBB: Complaints shown, prior 3 years 270. BBB’s American International Group, Inc. headquarters profile and corporate-owned locations (86 listed locations); complaint data is not limited to commercial insurance or a particular risk-bearing insurer. BBB says displayed complaint text may not represent every complaint. Period: Three years ending as displayed 2026-09-29. Checked 2026-09-29. [American International Group, Inc. (AIG) BBB Complaints](https://www.bbb.org/us/ny/new-york/profile/insurance-companies/american-international-group-inc-aig-0121-1515/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/aig/reviews).

## THREE by Berkshire Hathaway Reviews

Review Score: 7.3 / 10 from 2 rated sources, equally weighted.

The inspected sources report separate measures: NerdWallet’s 4.0/5 editorial rating is excluded from the source-rating average; Trustpilot displayed 2.5/5 from five user posts and BBB displayed 4.8/5 from 265 reviews. Trustpilot and BBB include different purchase, service and agent/intermediary interactions, not a verified common policyholder cohort. BBB separately lists complaints. Any source-rating average weights eligible platforms equally and is not a pooled, representative customer-experience estimate or a claims-quality measure.

- NerdWallet: NerdWallet editorial rating 4.0 (5 stars). NerdWallet editorial evaluation of THREE commercial insurance; updated May 11, 2026. Its methodology score is an editorial rating, not an average of consumer reviews or a claims study. Period: Updated 2026-05-11. Checked 2026-09-29. [Three Insurance review | NerdWallet](https://www.nerdwallet.com/business/insurance/learn/three-insurance)
- Trustpilot: TrustScore 2.5 (5 stars); 5 reviews. Trustpilot page for threeinsurance.com checked 2026-09-29. Five user-posted reviews, one in prior 12 months; small self-selected population, review provenance not independently verified. Period: Displayed 2026-09-29. Checked 2026-09-29. [THREE Reviews | Trustpilot](https://uk.trustpilot.com/review/threeinsurance.com)
- BBB: BBB customer review average 4.8 (5 stars); 265 reviews. BBB profile for THREE by Berkshire Hathaway, customer-review and complaints pages directly rechecked 2026-09-29. The customer-review population includes sales-agent/intermediary interactions and customer purchase/service reports; it is not a verified uniform policyholder or claims-outcome cohort. Average and complaints are distinct populations. BBB says third-party information may not be verified and complaint text may be incomplete. Period: Displayed 2026-09-29. Checked 2026-09-29. [THREE by Berkshire Hathaway customer reviews | BBB](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/customer-reviews?page=1); [THREE by Berkshire Hathaway complaints | BBB](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/three/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/aig-vs-three/equipment-breakdown.md)
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