---
title: "Aon vs THREE by Berkshire Hathaway: D&O Insurance"
description: "THREE lists D&O as part of its combined Business Owners Policy with online quoting; Aon describes broker-designed D&O for public and private companies."
canonical: "https://spot.insure/compare/aon-vs-three/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aon-vs-three"
provider-a: "aon"
provider-b: "three"
coverage-line: "directors-officers"
---

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[Human-readable page](https://spot.insure/compare/aon-vs-three/directors-officers)

## Agent Guide

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

**Key facts:**
- Line: D&O Insurance. Providers: Aon 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:**
- [Aon vs THREE by Berkshire Hathaway](https://spot.insure/compare/aon-vs-three) — parent: all coverage lines for this pair
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — coverage explainer for this line
- [Aon profile](https://spot.insure/insurance-providers/aon) — provider profile (evidence)
- [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence)
- [Aon vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/aon-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Aon vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/aon-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Aon vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/aon-vs-three/cyber) — sibling comparison (other line, or other pair for this line)
- [Aon vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-three/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Aon vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-three/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/aon-vs-three/general-liability) — sibling comparison (other line, or other pair for this line)
- [Aon vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Aon D&O Insurance](https://spot.insure/compare/aig-vs-aon/directors-officers) — 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)
- [Alliance Risk vs Aon D&O Insurance](https://spot.insure/compare/alliance-risk-vs-aon/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Aon D&O Insurance](https://spot.insure/compare/amelia-risk-vs-aon/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Aon vs The Baldwin Group D&O Insurance](https://spot.insure/compare/aon-vs-baldwin/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Aon vs Beazley D&O Insurance](https://spot.insure/compare/aon-vs-beazley/directors-officers) — sibling comparison (other line, or other pair for this line)

# Aon vs THREE by Berkshire Hathaway: How Do They Compare for D&O Insurance?

THREE lists D&O as part of its combined Business Owners Policy with online quoting; Aon describes broker-designed D&O for public and private companies.

## Research Scope and Use

Use this comparison to evaluate Aon and THREE by Berkshire Hathaway for D&O 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 presents D&O within its small-business policy; Aon describes Side A/B/C placement and insurer selection. [3](https://www.aon.com/en/capabilities/risk-transfer/directors-and-officers-liability-insurance "Directors’ and Officers’ (D&O) Liability Insurance") [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

## What Is Aon?

Aon’s U.S. Commercial Risk terms describe brokerage for certain insurance programs, while its Middle Market page describes a dedicated practice for mid-sized organizations across North America. The public materials reviewed do not identify the licensed producer or insurer for a particular placement. Ask which entity will produce each line and which insurer will issue the policy; request jurisdiction details for the proposed placement and ask how compensation and claim notice work for your account. [1](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us "Commercial Risk Solutions U.S. Brokerage Terms of Service") [2](https://www.aon.com/en/capabilities/middle-market-clients "Middle Market Clients")

[Aon profile](https://spot.insure/insurance-providers/aon)

## 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 Directors and Officers Insurance?

D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. [7](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [8](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [9](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage")

## Key Differences in D&O Insurance

### Bundled Policy and Broker Placement

THREE lists D&O in its Business Owners Policy categories and offers an online quote with advisor support. Aon describes D&O brokerage and program design across public and private organizations. Confirm that D&O appears in the THREE quote, then compare its bundled structure with the separate or layered program Aon proposes. [3](https://www.aon.com/en/capabilities/risk-transfer/directors-and-officers-liability-insurance "Directors’ and Officers’ (D&O) Liability Insurance") [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Quote Limits and Eligibility

THREE does not publish separate D&O eligibility or limits in general product materials and points to quote documents. Aon also gives no buyer-specific limits. Ask both to identify the issuer, entity coverage, securities terms and whether the D&O aggregate is shared with other policy lines. [3](https://www.aon.com/en/capabilities/risk-transfer/directors-and-officers-liability-insurance "Directors’ and Officers’ (D&O) Liability Insurance") [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

## What to Confirm in D&O Insurance Quotes

- Ask THREE whether D&O appears on your quote and shares an aggregate; ask Aon for insurer, limits and retentions. [3](https://www.aon.com/en/capabilities/risk-transfer/directors-and-officers-liability-insurance "Directors’ and Officers’ (D&O) Liability Insurance")

## Offering Details

| Criteria | Aon Directors and Officers Liability brokerage and risk-advisory offering | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Aon markets D&O broking and advisory services, including insurer selection and program design. It does not issue the described coverage or name the carrier for a buyer’s placement. [3](https://www.aon.com/en/capabilities/risk-transfer/directors-and-officers-liability-insurance "Directors’ and Officers’ (D&O) Liability Insurance") (Evidence: Company-reported; scope: Aon’s official global product/capability page. The statement is limited to Aon’s marketing of brokerage or advisory services, not policy issuance..) | THREE presents Directors and Officers 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 | The reviewed page does not identify the insurer or the legal producing entity for a specific placement. Ask Aon to identify both for the quoted risk. [3](https://www.aon.com/en/capabilities/risk-transfer/directors-and-officers-liability-insurance "Directors’ and Officers’ (D&O) Liability Insurance") (Evidence: Not found in reviewed sources; scope: Aon’s global product/capability page reviewed 2026-09-30; no buyer quote, binder or policy was reviewed. This does not establish that no insurer or producing entity is available..) | 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 | Aon describes D&O services for public and private companies and discusses executives, directors, managers and board members. This is a target-audience description, not an underwriting eligibility schedule. [3](https://www.aon.com/en/capabilities/risk-transfer/directors-and-officers-liability-insurance "Directors’ and Officers’ (D&O) Liability Insurance") (Evidence: Company-reported; scope: Audience stated by Aon on its global capability page; this does not establish a specific applicant’s eligibility or placement availability by U.S. state..) | The reviewed product page does not state separate eligibility rules for Directors and Officers; 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 | Aon explains D&O policies generally through Side A individual protection when company indemnity is unavailable, Side B reimbursement when the company indemnifies a director or officer, and Side C entity coverage, with different descriptions for public and private companies. It notes exclusions can apply; an issued policy determines the actual scope. [3](https://www.aon.com/en/capabilities/risk-transfer/directors-and-officers-liability-insurance "Directors’ and Officers’ (D&O) Liability Insurance") (Evidence: Company-reported; scope: Aon’s broker-authored explanation of the insurance line. It does not establish an individual insured’s policy entitlement; the insurer’s form, endorsements and declarations control..) | THREE's Business Owners Policy page lists Directors & Officers 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. [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: Official THREE package marketing for Directors and Officers. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy..) |
| Limits and Retentions | The reviewed page does not state a standard buyer-specific limit, retention or deductible for this placement. Confirm amounts, sublimits and conditions in the quote and issued policy. [3](https://www.aon.com/en/capabilities/risk-transfer/directors-and-officers-liability-insurance "Directors’ and Officers’ (D&O) Liability Insurance") (Evidence: Not publicly disclosed; scope: Aon’s global product/capability page reviewed 2026-09-30; no buyer quote or policy form was reviewed..) | The reviewed public product page does not state a separate limit or deductible for Directors and Officers; 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 | Aon says its brokerage and claims teams collaborate on coverage negotiations and describes insurer-selection analytics and a D&O Risk Analyzer. Those are broker services, not an insurer claim decision or guarantee. [3](https://www.aon.com/en/capabilities/risk-transfer/directors-and-officers-liability-insurance "Directors’ and Officers’ (D&O) Liability Insurance") (Evidence: Company-reported; scope: Company-reported brokerage and advisory services. Account-specific service terms are not stated..) | 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 Directors and Officers will be offered for a particular business or whether a customer can bind that line without an issued policy..) |

## Full Comparison

- [Aon vs THREE by Berkshire Hathaway](https://spot.insure/compare/aon-vs-three): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [Aon vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/aon-vs-three/commercial-auto)
- [Aon vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/aon-vs-three/commercial-property)
- [Aon vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/aon-vs-three/cyber)
- [Aon vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-three/employment-practices)
- [Aon vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-three/fiduciary)
- [Aon vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/aon-vs-three/general-liability)
- [Aon vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-three/workers-compensation)
- [AIG vs Aon D&O Insurance](https://spot.insure/compare/aig-vs-aon/directors-officers)
- [AIG vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/aig-vs-three/directors-officers)
- [Alliance Risk vs Aon D&O Insurance](https://spot.insure/compare/alliance-risk-vs-aon/directors-officers)
- [Amelia Risk vs Aon D&O Insurance](https://spot.insure/compare/amelia-risk-vs-aon/directors-officers)
- [Aon vs The Baldwin Group D&O Insurance](https://spot.insure/compare/aon-vs-baldwin/directors-officers)
- [Aon vs Beazley D&O Insurance](https://spot.insure/compare/aon-vs-beazley/directors-officers)

## Sources

### Aon

1. [Commercial Risk Solutions U.S. Brokerage Terms of Service](https://www.aon.com/en/about/leadership-and-governance/brokerage-terms-of-service-for-commercial-risk-solutions-us). Aon; Lines 120–127: certain-program broker-of-record scope, consultation, application assistance, client signature and bind instruction, and account administration; lines 140–147: variable and contingent compensation, potential placement incentive, and client request route; lines 206–213: no price guarantee and surplus-lines limitations; lines 229–231: client insurer-notice duty unless separately agreed.. Accessed 2026-09-29.
2. [Middle Market Clients](https://www.aon.com/en/capabilities/middle-market-clients). Aon; Lines 125–132: mid-sized organizations and middle-market framing; lines 165–173: dedicated practice and North America statement; lines 188–224: Commercial Risk capabilities. No numeric company-size cutoff or U.S.-only eligibility rule is stated on the reviewed page.. Accessed 2026-09-29.
3. [Directors’ and Officers’ (D&O) Liability Insurance](https://www.aon.com/en/capabilities/risk-transfer/directors-and-officers-liability-insurance). Aon; D&O audience and coverage explanation, lines 123–160; insurer-selection, brokerage and claims collaboration, analytics and industry specialization, lines 171–189; contact link at top.. 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.

### D&O Insurance Guide

7. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
8. [The Chubb Primary Directors & Officers and Entity Securities Liability Insurance](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf). Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
9. [Private Company Directors and Officers Liability Coverage](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95). Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. 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.

## Aon Reviews

Review Score: 6.1 / 10 from 3 rated sources, equally weighted.

Public ratings for Aon are low: Trustpilot shows 1.2 out of 5 from 782 reviews, and BBB shows 1.6 from five. Aon is a global firm, so those pages mostly reflect other parts of the business, not large U.S. commercial accounts.

- J.D. Power: Aon study score 822 (out of 1000). Historical 2017 large-commercial-broker study; U.S. and Canada commercial insurance decision-makers at large organizations. J.D. Power reports 2,506 evaluations across the study, not Aon-specific responses; the Aon respondent count is not stated. Period: 2017 study; ranked 3rd among large commercial brokers; study-wide population 2,506, not Aon review count. Checked 2026-09-29. [Diversity of Offerings Becomes Key Differentiator for Large Commercial Insurers, JD Power Finds](https://www.jdpower.com/business/press-releases/jd-power-2017-large-commercial-insurance-study)
- Trustpilot: TrustScore 1.2 (out of 5); 782 reviews. Global www.aon.com profile merged with other Aon profiles; mixed experiences include pensions, travel, professional indemnity and Australian business quotation service. The two latter complaints are individual unverified allegations, not evidence of U.S. commercial-placement outcomes or insurer fault. Trustpilot says reviews may not be representative because the company has not recently invited reviews. Period: Displayed 2026-09-29; page separately showed 198 reviews in the last 12 months. Checked 2026-09-29. [Aon Reviews](https://www.trustpilot.com/review/www.aon.com)
- BBB: BBB business grade B− (BBB letter grade; stated reason: failure to respond to two filed complaints). BBB of Chicago & Northern Illinois profile for Aon plc; the business grade is BBB’s own measure, not customer stars. Checked 2026-09-29. [Aon plc | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-companies/aon-plc-0654-5291)
- BBB: BBB customer review average 1.6 (out of 5); 5 reviews. BBB of Chicago & Northern Illinois customer reviews for Aon plc; some reviews are about employee-benefit and medical-expense issues. Period: checked 2026-09-29. Checked 2026-09-29. [Aon plc | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-companies/aon-plc-0654-5291/customer-reviews)

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