--- title: "Alliance Risk vs THREE by Berkshire Hathaway: Commercial Auto Insurance" description: "Alliance Risk describes standalone commercial-auto protections and fleet services, while THREE lists Business Auto as a component of its combined policy." canonical: "https://spot.insure/compare/alliance-risk-vs-three/commercial-auto" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "alliance-risk-vs-three" provider-a: "alliance-risk" provider-b: "three" coverage-line: "commercial-auto" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/alliance-risk-vs-three/commercial-auto) ## Agent Guide **What this page is:** Focused comparison of Alliance Risk and THREE by Berkshire Hathaway for Commercial Auto 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 Commercial Auto Insurance questions about Alliance Risk 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:** - Alliance Risk vs THREE by Berkshire Hathaway for Commercial Auto Insurance: how do they differ? - Which is better for Commercial Auto Insurance, Alliance Risk or THREE by Berkshire Hathaway? - What does Alliance Risk or THREE by Berkshire Hathaway publish about Commercial Auto Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Commercial Auto Insurance from Alliance Risk or THREE by Berkshire Hathaway? **Key facts:** - Line: Commercial Auto Insurance. Providers: Alliance Risk 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:** - [Alliance Risk vs THREE by Berkshire Hathaway](https://spot.insure/compare/alliance-risk-vs-three) — parent: all coverage lines for this pair - [Commercial Auto Insurance guide](https://spot.insure/coverage/commercial-auto) — coverage explainer for this line - [Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk) — provider profile (evidence) - [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence) - [Alliance Risk vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-three/cyber) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/general-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/liquor-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Alliance Risk Commercial Auto Insurance](https://spot.insure/compare/aig-vs-alliance-risk/commercial-auto) — sibling comparison (other line, or other pair for this line) - [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) - [Alliance Risk vs The Baldwin Group Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Chubb Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Corgi Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Coverdash Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-coverdash/commercial-auto) — sibling comparison (other line, or other pair for this line) # Alliance Risk vs THREE by Berkshire Hathaway: How Do They Compare for Commercial Auto Insurance? Alliance Risk describes standalone commercial-auto protections and fleet services, while THREE lists Business Auto as a component of its combined policy. ## Research Scope and Use Use this comparison to evaluate Alliance Risk and THREE by Berkshire Hathaway for Commercial Auto 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 Alliance Risk places commercial-auto coverage with liability, collision, comprehensive, and optional hired and non-owned auto, plus fleet safety services. THREE lists Business Auto within its combined BOP, with quote terms determining whether it is offered. [4](https://joinalliancerisk.com/commercial-auto-insurance/ "Commercial Auto Insurance") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [7](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") ## What Is Alliance Risk? Alliance Risk suits tech startups from pre-seed through IPO that want a broker to review their tech E&O policy for free and shop specialist insurers; if you want to buy online in minutes, use a digital insurer. Quotes take 24 hours to ten business days, depending on your risk. [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") [2](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") [3](https://joinalliancerisk.com/get-a-quote/ "Get a Quote") [Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk) ## 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. [6](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [7](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 Commercial Auto Insurance? Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://content.naic.org/insurance-topics/auto-insurance "Auto Insurance") [11](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/business-vehicle-insurance "Business Vehicle Insurance") [12](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form") ## Key Differences in Commercial Auto Insurance ### Vehicle coverage and package role Alliance Risk arranges commercial auto as a brokerage and lists liability, collision, comprehensive, uninsured and underinsured motorist, and medical payments or personal injury protection. It also names hired and non-owned auto as an option for employees using personal or rented vehicles on the job. THREE lists Business Auto within its combined BOP rather than describing it as a separate standalone policy; its page does not establish what auto protection a particular quote includes. Ask whether your fleet can be insured separately or only within the package. [4](https://joinalliancerisk.com/commercial-auto-insurance/ "Commercial Auto Insurance") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ### Fleet support Alliance Risk describes fleet and usage analysis, driver-safety programs, telematics and GPS integrations, and claims advisors for accident scenarios. THREE’s reviewed offering does not describe comparable fleet services; it directs small-business prospects to an online quote and licensed advisor help. For a business with multiple vehicles or employee drivers, compare the safety and claims support included in the broker conversation with the services available through the package quote. [4](https://joinalliancerisk.com/commercial-auto-insurance/ "Commercial Auto Insurance") [6](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") ## What to Confirm in Commercial Auto Insurance Quotes - Ask Alliance Risk which carrier will issue the policy, whether HNOA is included, and which fleet services have a fee. [5](https://joinalliancerisk.com/coverages/ "Alliance Products") [4](https://joinalliancerisk.com/commercial-auto-insurance/ "Commercial Auto Insurance") - Ask THREE whether Business Auto appears in your quote and request covered vehicle types and limits. [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") - Compare accident-reporting and claims support contacts. [4](https://joinalliancerisk.com/commercial-auto-insurance/ "Commercial Auto Insurance") [6](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") ## Offering Details | Criteria | Alliance Risk Commercial Auto Insurance | THREE Business Owners Policy | | --- | --- | --- | | Role in This Line | Alliance Risk arranges commercial auto placements as a brokerage rather than underwriting the coverage itself, per its general brokerage disclosure. [5](https://joinalliancerisk.com/coverages/ "Alliance Products") (Evidence: Company-reported; scope: General brokerage disclosure on the coverage catalogue page, applied to the commercial auto line..) | THREE presents Business Auto as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. [8](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 | Alliance Risk's commercial auto page says it accesses "top auto carriers" through its relationships to secure pricing and coverage, but does not name a specific issuing insurer for commercial auto policies. [4](https://joinalliancerisk.com/commercial-auto-insurance/ "Commercial Auto Insurance") (Evidence: Not publicly disclosed; scope: Commercial auto product page, The Alliance Risk Difference section..) | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [7](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 | Alliance Risk lists construction and contracting, logistics and delivery services, food and beverage distributors, landscaping and service trades, and sales teams with mobile operations as common commercial auto buyers. [4](https://joinalliancerisk.com/commercial-auto-insurance/ "Commercial Auto Insurance") (Evidence: Company-reported; scope: Commercial auto product page, Who Needs Commercial Auto Insurance? section..) | The reviewed product page does not state separate eligibility rules for Business Auto; the general quote and advisor route is not proof that a particular business qualifies for it. [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](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 | Alliance Risk's commercial auto offering covers auto liability, collision, comprehensive, uninsured/underinsured motorist and medical payments or personal injury protection, plus optional hired and non-owned auto (HNOA) liability for employees driving personal or rented vehicles on the job. [4](https://joinalliancerisk.com/commercial-auto-insurance/ "Commercial Auto Insurance") (Evidence: Company-reported; scope: Commercial auto product page; actual policy structure depends on the carrier and the policy as issued..) | THREE's Business Owners Policy page lists Business Auto among its marketed coverage categories in the combined policy. This describes the product page, not whether the category appears in a particular quote or responds to a loss. [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [7](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Official THREE package marketing for Business Auto. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy..) | | Limits and Retentions | Alliance Risk's commercial auto page gives typical annual premium ranges ($1,200-$2,400 per vehicle for small businesses, $3,000-$10,000+ for larger fleets) but does not publish specific liability limits or deductibles. [4](https://joinalliancerisk.com/commercial-auto-insurance/ "Commercial Auto Insurance") (Evidence: Not publicly disclosed; scope: Commercial auto product page as read on 2026-09-23..) | The reviewed public product page does not state a separate limit or deductible for Business Auto; THREE says the quote-specific insurance summary lists limits and deductibles. [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [7](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 | Alliance Risk describes a fleet and usage analysis for commercial auto clients, plus driver safety programs, telematics and GPS tracking integrations, and industry-specific underwriting for sectors like contracting, logistics and real estate. [4](https://joinalliancerisk.com/commercial-auto-insurance/ "Commercial Auto Insurance") (Evidence: Company-reported; scope: Commercial auto product page, Our Approach to Commercial Auto and The Alliance Risk Difference sections..) | 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. [6](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 Business Auto will be offered for a particular business or whether a customer can bind that line without an issued policy..) | | Claims Support | Alliance Risk says its claims advisors help clients navigate commercial auto accident scenarios, aiming for fast and cost-effective resolution. [4](https://joinalliancerisk.com/commercial-auto-insurance/ "Commercial Auto Insurance") (Evidence: Company-reported; scope: Commercial auto product page, The Alliance Risk Difference section; outcome statements are company-reported and not independently verified..) | Confirm in your quote. | ## Full Comparison - [Alliance Risk vs THREE by Berkshire Hathaway](https://spot.insure/compare/alliance-risk-vs-three): all coverage lines, business roles, service and claims. - [What Is Commercial Auto Insurance?](https://spot.insure/coverage/commercial-auto): Commercial auto covers liability from vehicles used for work, with vehicle damage and employee personal or rented cars requiring separate quote checks. - [Alliance Risk vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-three/business-owners-policy) - [Alliance Risk vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-property) - [Alliance Risk vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-three/cyber) - [Alliance Risk vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/general-liability) - [Alliance Risk vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-three/inland-marine) - [Alliance Risk vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/liquor-liability) - [Alliance Risk vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-three/professional-errors-omissions) - [Alliance Risk vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-three/workers-compensation) - [AIG vs Alliance Risk Commercial Auto Insurance](https://spot.insure/compare/aig-vs-alliance-risk/commercial-auto) - [AIG vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/aig-vs-three/commercial-auto) - [Alliance Risk vs The Baldwin Group Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/commercial-auto) - [Alliance Risk vs Chubb Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/commercial-auto) - [Alliance Risk vs Corgi Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/commercial-auto) - [Alliance Risk vs Coverdash Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-coverdash/commercial-auto) ## Sources ### Alliance Risk 1. [Technology Insurance](https://joinalliancerisk.com/technology-insurance/). Alliance Risk; What is Technology Insurance?; Types of Technology; Types of Coverage; startup placement introduction; quote documents and process. Accessed 2026-09-16. 2. [Tech E&O Insurance](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/). Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16. 3. [Get a Quote](https://joinalliancerisk.com/get-a-quote/). Alliance Risk; Request form; Prefer to Call?; Why Alliance Risk? section. Accessed 2026-09-16. 4. [Commercial Auto Insurance](https://joinalliancerisk.com/commercial-auto-insurance/). Alliance Risk; Commercial Auto Insurance That Drives Confidence; Our Approach to Commercial Auto; The Alliance Risk Difference; Who Needs Commercial Auto Insurance?; What Does Commercial Auto Insurance Cover?; How Much Does Commercial Auto Insurance Cost?. Accessed 2026-09-23. 5. [Alliance Products](https://joinalliancerisk.com/coverages/). Alliance Risk; Footer brokerage disclosure: "Alliance Risk is an insurance brokerage focused on providing clients with commercial insurance across a wide array of industries.". Accessed 2026-09-23. ### THREE by Berkshire Hathaway 6. [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. 7. [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. 8. [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. ### Commercial Auto Insurance Guide 9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Automobile: Coverage, Classification and Limits. Accessed 2026-09-16. 10. [Auto Insurance](https://content.naic.org/insurance-topics/auto-insurance). NAIC; Coverages. Accessed 2026-09-16. 11. [Business Vehicle Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/business-vehicle-insurance). Insurance Information Institute; Will My Personal Auto Policy Cover Business Use?; What Vehicles Are Covered?; What Coverage Do I Need if Employees Drive Their Personal Vehicles for Business?; Does a Business Umbrella Cover Autos?; Do I Need a Business Auto Policy?; Be Sure the Right Insured Is on the Policy. Accessed 2026-09-16. 12. [Business Auto Coverage Form](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf). Insurance Services Office, Inc.; hosted by National General; I.A, printed/PDF page 1; II.A.1, printed/PDF page 2; III.C–D, printed/PDF page 6; II.B.6, printed/PDF page 3; III.B.3, printed/PDF page 6. 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. ## Alliance Risk Reviews Review Score: not enough ratings. Alliance Risk has no customer ratings on the review sites we checked, so there's no Review Score yet. That says nothing bad about the company; it means you'll need to ask for references. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/alliance-risk/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/alliance-risk-vs-three/commercial-auto.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)