---
title: "Alliance Risk vs THREE by Berkshire Hathaway: Liquor Liability Insurance"
description: "Alliance Risk specializes in brokered liquor placements for high-risk hospitality businesses; THREE lists liquor liability within its combined policy if required."
canonical: "https://spot.insure/compare/alliance-risk-vs-three/liquor-liability"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "alliance-risk-vs-three"
provider-a: "alliance-risk"
provider-b: "three"
coverage-line: "liquor-liability"
---

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[Human-readable page](https://spot.insure/compare/alliance-risk-vs-three/liquor-liability)

## Agent Guide

**What this page is:** Focused comparison of Alliance Risk and THREE by Berkshire Hathaway for Liquor Liability 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 Liquor Liability 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 Liquor Liability Insurance: how do they differ?
- Which is better for Liquor Liability Insurance, Alliance Risk or THREE by Berkshire Hathaway?
- What does Alliance Risk or THREE by Berkshire Hathaway publish about Liquor Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Liquor Liability Insurance from Alliance Risk or THREE by Berkshire Hathaway?

**Key facts:**
- Line: Liquor Liability 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
- [Liquor Liability Insurance guide](https://spot.insure/coverage/liquor-liability) — 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 Auto Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-auto) — 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 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)
- [Alliance Risk vs Corgi Liquor Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/liquor-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Coverdash Liquor Liability Insurance](https://spot.insure/compare/alliance-risk-vs-coverdash/liquor-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Harper Liquor Liability Insurance](https://spot.insure/compare/alliance-risk-vs-harper/liquor-liability) — sibling comparison (other line, or other pair for this line)
- [Corgi vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/corgi-vs-three/liquor-liability) — sibling comparison (other line, or other pair for this line)
- [Coverdash vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/coverdash-vs-three/liquor-liability) — sibling comparison (other line, or other pair for this line)
- [Harper vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/harper-vs-three/liquor-liability) — sibling comparison (other line, or other pair for this line)

# Alliance Risk vs THREE by Berkshire Hathaway: How Do They Compare for Liquor Liability Insurance?

Alliance Risk specializes in brokered liquor placements for high-risk hospitality businesses; THREE lists liquor liability within its combined policy if required.

## Research Scope and Use

Use this comparison to evaluate Alliance Risk and THREE by Berkshire Hathaway for Liquor Liability 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 describes specialty-market access across all 50 states and flags assault-and-battery gaps. THREE lists liquor liability as a possible package category. [4](https://joinalliancerisk.com/liquor-liability-insurance/ "Liquor Liability Insurance | Coverage, Costs & Dram Shop Laws") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](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. [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [6](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 Liquor Liability Insurance?

Liquor liability can cover claims tied to your business selling, serving or furnishing alcohol. If you run a bar, restaurant or event where you provide drinks, check how the quote treats injuries, property damage and occasional service. [8](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [9](https://assets-prod.nextinsurance.com/resources/gl-policy-specimen "General Liability Policy Specimen including Liquor Liability Coverage") [10](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form")

## Key Differences in Liquor Liability Insurance

### High-Risk Hospitality Placement

Alliance Risk says it places liquor liability for bars, nightclubs, taverns, restaurants and lounges in all 50 states, including accounts standard carriers may decline, using specialty hospitality and surplus-lines markets. THREE lists liquor liability “if required” in its combined Business Owners Policy. Hospitality buyers should ask Alliance Risk which markets will consider the venue and ask THREE whether liquor coverage is available for the actual alcohol operation. [4](https://joinalliancerisk.com/liquor-liability-insurance/ "Liquor Liability Insurance | Coverage, Costs & Dram Shop Laws") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Assault-and-Battery Terms

Alliance Risk says liquor liability is separate from general liability because standard CGL excludes alcohol-related claims, and that liquor policies commonly exclude assault and battery unless an endorsement is added. It says its advisors help address this gap. THREE's page says the line may be included if required but does not describe assault-and-battery terms. Get the endorsement and limit in writing before relying on either package. [4](https://joinalliancerisk.com/liquor-liability-insurance/ "Liquor Liability Insurance | Coverage, Costs & Dram Shop Laws") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Specialist Assessment and Quote

Alliance Risk offers an online quote or customized risk assessment with an insurance risk advisor. THREE directs small businesses to an online package quote with licensed advisor help. Compare which information each needs about alcohol sales, venue security and prior claims, and whether the proposed limits address local dram-shop requirements. [4](https://joinalliancerisk.com/liquor-liability-insurance/ "Liquor Liability Insurance | Coverage, Costs & Dram Shop Laws") [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

## What to Confirm in Liquor Liability Insurance Quotes

- Ask both providers to confirm alcohol-related bodily injury, assault-and-battery coverage, sublimits, exclusions and whether liquor liability is separately scheduled. [4](https://joinalliancerisk.com/liquor-liability-insurance/ "Liquor Liability Insurance | Coverage, Costs & Dram Shop Laws") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")
- Identify the insurer, surplus-lines status if applicable, state availability and application details for each venue. [4](https://joinalliancerisk.com/liquor-liability-insurance/ "Liquor Liability Insurance | Coverage, Costs & Dram Shop Laws") [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

## Offering Details

| Criteria | Liquor Liability Insurance | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Alliance Risk says it places liquor liability coverage for bars, nightclubs, taverns, restaurants and lounges in all 50 states, including accounts it says most standard carriers decline. [4](https://joinalliancerisk.com/liquor-liability-insurance/ "Liquor Liability Insurance | Coverage, Costs & Dram Shop Laws") (Evidence: Company-reported; scope: Dedicated liquor liability product page, opening placement description..)<br><br>Alliance Risk describes itself as an independent brokerage that specializes in complex placements for high-risk hospitality businesses, working with specialty carriers and surplus-lines markets it says most retail brokerages don't access. [4](https://joinalliancerisk.com/liquor-liability-insurance/ "Liquor Liability Insurance | Coverage, Costs & Dram Shop Laws") (Evidence: Company-reported; scope: Dedicated liquor liability product page..) | THREE presents Liquor Liability as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. [7](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 | The liquor liability page describes working with "specialty carriers and surplus lines markets" without naming any specific insurer that Alliance Risk places this coverage with. [4](https://joinalliancerisk.com/liquor-liability-insurance/ "Liquor Liability Insurance | Coverage, Costs & Dram Shop Laws") (Evidence: Not publicly disclosed; scope: Checked the full dedicated product page as read on 2026-09-23; no carrier is identified by name for this line..) | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [6](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 says it places liquor liability coverage in all 50 states, including jurisdictions with the strictest dram shop statutes such as New York, New Jersey and Illinois, where it says claims frequency and severity are highest. [4](https://joinalliancerisk.com/liquor-liability-insurance/ "Liquor Liability Insurance | Coverage, Costs & Dram Shop Laws") (Evidence: Company-reported; scope: Dedicated liquor liability product page, dram shop section..) | The reviewed product page does not state separate eligibility rules for Liquor Liability; the general quote and advisor route is not proof that a particular business qualifies for it. [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](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 page explains that liquor liability is sold separately from general liability because standard CGL policies exclude alcohol-related claims for businesses that sell or serve alcohol, and that liquor liability policies commonly exclude assault-and-battery claims unless a separate endorsement is added. [4](https://joinalliancerisk.com/liquor-liability-insurance/ "Liquor Liability Insurance | Coverage, Costs & Dram Shop Laws") (Evidence: Company-reported; scope: Dedicated liquor liability product page, coverage and exclusions sections; the issued policy controls actual terms..) | THREE's Business Owners Policy page lists Liquor Liability (if required) 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. [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Official THREE package marketing for Liquor Liability. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy..) |
| Limits and Retentions | Confirm in your quote. | The reviewed public product page does not state a separate limit or deductible for Liquor Liability; THREE says the quote-specific insurance summary lists limits and deductibles. [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](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 says it accesses surplus-lines markets and specialty hospitality carriers to keep placing liquor liability coverage in hard-market conditions, walks clients through the policy, and helps address the assault-and-battery coverage gap common to this line. [4](https://joinalliancerisk.com/liquor-liability-insurance/ "Liquor Liability Insurance | Coverage, Costs & Dram Shop Laws") (Evidence: Company-reported; scope: Dedicated liquor liability product page, closing sections on market conditions and policy evaluation..) | Confirm in your quote. |
| How to Apply | Alliance Risk's liquor liability page directs prospective clients to book a customized risk assessment with one of its insurance risk advisors or request a quote online. [4](https://joinalliancerisk.com/liquor-liability-insurance/ "Liquor Liability Insurance | Coverage, Costs & Dram Shop Laws") (Evidence: Company-reported; scope: Dedicated liquor liability product page calls to action..) | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. [5](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 Liquor Liability will be offered for a particular business or whether a customer can bind that line without an issued policy..) |

## 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 Liquor Liability Insurance?](https://spot.insure/coverage/liquor-liability): Liquor liability addresses claims arising from alcohol service; a bar, restaurant or event may need terms beyond its general liability policy.
- [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 Auto Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-auto)
- [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 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)
- [Alliance Risk vs Corgi Liquor Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/liquor-liability)
- [Alliance Risk vs Coverdash Liquor Liability Insurance](https://spot.insure/compare/alliance-risk-vs-coverdash/liquor-liability)
- [Alliance Risk vs Harper Liquor Liability Insurance](https://spot.insure/compare/alliance-risk-vs-harper/liquor-liability)
- [Corgi vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/corgi-vs-three/liquor-liability)
- [Coverdash vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/coverdash-vs-three/liquor-liability)
- [Harper vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/harper-vs-three/liquor-liability)

## 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. [Liquor Liability Insurance | Coverage, Costs & Dram Shop Laws](https://joinalliancerisk.com/liquor-liability-insurance/). Alliance Risk; Liquor Liability Insurance: What It Covers, Excludes, and Costs; Who needs liquor liability insurance?; Liquor liability vs. host liquor liability; How dram shop laws affect your liquor liability exposure; How to evaluate a liquor liability policy; Steps to reduce your liquor liability risk; Get Liquor Liability Coverage from Alliance Risk; FAQ. Accessed 2026-09-23.

### THREE by Berkshire Hathaway

5. [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.
6. [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.
7. [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.

### Liquor Liability Insurance Guide

8. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
9. [General Liability Policy Specimen including Liquor Liability Coverage](https://assets-prod.nextinsurance.com/resources/gl-policy-specimen). NEXT Insurance; ISO wording; PDF pp.94–99 liquor form; p.100 BYOA endorsement; p.101 premises limitation. Accessed 2026-09-16.
10. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. 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/liquor-liability.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)