---
title: "Aon vs THREE by Berkshire Hathaway: General Liability Insurance"
description: "Aon’s construction practice is aimed at contractors, owners, engineers, architects, and other project participants, while THREE by Berkshire Hathaway lists GL as part of its combined Business Owners Policy rather than as a standalone public product."
canonical: "https://spot.insure/compare/aon-vs-three/general-liability"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "aon-vs-three"
provider-a: "aon"
provider-b: "three"
coverage-line: "general-liability"
---

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/aon-vs-three/general-liability)

## Agent Guide

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

**Key facts:**
- Line: General Liability 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
- [General Liability Insurance guide](https://spot.insure/coverage/general-liability) — 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 D&O Insurance](https://spot.insure/compare/aon-vs-three/directors-officers) — 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 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 General Liability Insurance](https://spot.insure/compare/aig-vs-aon/general-liability) — 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)
- [Alliance Risk vs Aon General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-aon/general-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Aon General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-aon/general-liability) — sibling comparison (other line, or other pair for this line)
- [Aon vs The Baldwin Group General Liability Insurance](https://spot.insure/compare/aon-vs-baldwin/general-liability) — sibling comparison (other line, or other pair for this line)
- [Aon vs Beazley General Liability Insurance](https://spot.insure/compare/aon-vs-beazley/general-liability) — sibling comparison (other line, or other pair for this line)

# Aon vs THREE by Berkshire Hathaway: How Do They Compare for General Liability Insurance?

Aon’s construction practice is aimed at contractors, owners, engineers, architects, and other project participants, while THREE by Berkshire Hathaway lists GL as part of its combined Business Owners Policy rather than as a standalone public product.

## Research Scope and Use

Use this comparison to evaluate Aon and THREE by Berkshire Hathaway for General 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

Aon’s construction practice is aimed at contractors, owners, engineers, architects, and other project participants, while THREE by Berkshire Hathaway lists GL as part of its combined Business Owners Policy rather than as a standalone public product. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [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 General Liability Insurance?

General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. [7](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form")

## Key Differences in General Liability Insurance

### Aon’s construction placements and THREE by Berkshire Hathaway’s bundled GL

Aon’s construction practice is aimed at contractors, owners, engineers, architects, and other project participants. THREE by Berkshire Hathaway lists GL as part of its combined Business Owners Policy rather than as a standalone public product. A construction buyer should compare the project placement Aon can arrange with the small-business package route THREE by Berkshire Hathaway describes and verify that GL appears in the actual quote. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Project fit and actual package selections

Aon describes casualty protection for construction operations, while THREE by Berkshire Hathaway’s product page markets GL within its package without separate line terms. The page does not establish whether GL appears in every quote or how a claim responds. That makes the declarations and coverage schedule especially important: do not treat the package category list as a promise of a specific limit or coverage grant. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

## What to Confirm in General Liability Insurance Quotes

- Ask Aon which insurer, construction form, and limits are proposed. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")
- Ask THREE by Berkshire Hathaway to identify the GL coverage, limits, deductibles, and issuer in the quote-specific insurance summary. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

## Offering Details

| Criteria | Aon General Liability brokerage and risk-advisory offering | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Aon says its global construction practice designs and places risk solutions and uses broking experience and a global network across construction insurance lines. For general liability, this is evidence of Aon’s brokered market offering; the page does not identify the insurer for a buyer’s placement. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Company-reported; scope: Aon’s global construction and infrastructure practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement..) | THREE presents General Liability 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 practice page does not name the insurer or producing legal entity for a specific placement. Ask for both on the quote and binder. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Not found in reviewed sources; scope: Aon’s global practice page as reviewed 2026-09-30; no state-specific placement schedule or buyer quote was reviewed. This does not establish that Aon cannot arrange a placement..) | 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 its global construction and infrastructure practice as serving contractors, owners, developers, engineers, architects, designers, financiers and investors, and says it works with organizations of varied sizes and complexity. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Company-reported; scope: Audience described for Aon’s global construction and infrastructure practice. It does not establish U.S. state availability or underwriting eligibility for a placement..) | The reviewed product page does not state separate eligibility rules for General Liability; 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 lists General Liability within construction liability and describes casualty protection for third-party bodily injury or property damage associated with negligent acts during construction or operations. A policy’s actual insureds, triggers, exclusions and conditions are not stated on this practice page. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Company-reported; scope: Aon’s marketing description of the brokerage/coverage area. The page is not the insurer’s policy form and does not establish an insured's entitlement to coverage..) | THREE's Business Owners Policy page lists General Liability 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 General 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 | The reviewed page does not state a buyer-specific limit, retention, deductible or other placement terms. Confirm these in the quote, bond or issued policy. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Not publicly disclosed; scope: Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed..) | The reviewed public product page does not state a separate limit or deductible for General Liability; 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 describes project risk-advisory services to understand project-specific risks and develop risk-transfer, management or mitigation strategies. It also describes a global construction team and market access. These are company-reported brokerage and advisory services, not coverage benefits. [3](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management "Construction and Infrastructure Insurance and Risk Management") (Evidence: Company-reported; scope: Company-reported advisory services on Aon’s global practice page; account-specific service scope is 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 General Liability 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 General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability can protect your business from covered injury and property-damage claims; your building, tools and stock need separate property coverage.
- [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 D&O Insurance](https://spot.insure/compare/aon-vs-three/directors-officers)
- [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 Workers’ Compensation Insurance](https://spot.insure/compare/aon-vs-three/workers-compensation)
- [AIG vs Aon General Liability Insurance](https://spot.insure/compare/aig-vs-aon/general-liability)
- [AIG vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/aig-vs-three/general-liability)
- [Alliance Risk vs Aon General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-aon/general-liability)
- [Amelia Risk vs Aon General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-aon/general-liability)
- [Aon vs The Baldwin Group General Liability Insurance](https://spot.insure/compare/aon-vs-baldwin/general-liability)
- [Aon vs Beazley General Liability Insurance](https://spot.insure/compare/aon-vs-beazley/general-liability)

## 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. [Construction and Infrastructure Insurance and Risk Management](https://www.aon.com/en/capabilities/risk-transfer/construction-and-infrastructure-insurance-and-risk-management). Aon; Construction client audience and global placement role, lines 123–126; offering descriptions lines 135–156; coverage-area taxonomy lines 167–195; contact link lines 120–122. Global practice page; no U.S. state or account-specific placement schedule.. 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.

### General Liability Insurance Guide

7. [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.
8. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated?. Accessed 2026-09-16.
9. [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.

## 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/general-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)