--- title: "The Baldwin Group vs THREE by Berkshire Hathaway: D&O Insurance" description: "Baldwin advises on standalone D&O programs, while THREE lists D&O as a marketed category in a combined Business Owners Policy." canonical: "https://spot.insure/compare/baldwin-vs-three/directors-officers" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "baldwin-vs-three" provider-a: "baldwin" provider-b: "three" coverage-line: "directors-officers" --- 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/baldwin-vs-three/directors-officers) ## Agent Guide **What this page is:** Focused comparison of The Baldwin Group 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 The Baldwin Group 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:** - The Baldwin Group vs THREE by Berkshire Hathaway for D&O Insurance: how do they differ? - Which is better for D&O Insurance, The Baldwin Group or THREE by Berkshire Hathaway? - What does The Baldwin Group 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 The Baldwin Group or THREE by Berkshire Hathaway? **Key facts:** - Line: D&O Insurance. Providers: The Baldwin Group 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:** - [The Baldwin Group vs THREE by Berkshire Hathaway](https://spot.insure/compare/baldwin-vs-three) — parent: all coverage lines for this pair - [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — coverage explainer for this line - [The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin) — provider profile (evidence) - [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence) - [The Baldwin Group vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/baldwin-vs-three/cyber) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-three/employment-practices) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-three/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-three/fiduciary) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/baldwin-vs-three/general-liability) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/baldwin-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/baldwin-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group D&O Insurance](https://spot.insure/compare/aig-vs-baldwin/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 The Baldwin Group D&O Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/alliance-risk-vs-three/directors-officers) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs The Baldwin Group D&O Insurance](https://spot.insure/compare/amelia-risk-vs-baldwin/directors-officers) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/amelia-risk-vs-three/directors-officers) — sibling comparison (other line, or other pair for this line) # The Baldwin Group vs THREE by Berkshire Hathaway: How Do They Compare for D&O Insurance? Baldwin advises on standalone D&O programs, while THREE lists D&O as a marketed category in a combined Business Owners Policy. ## How to Use the The Baldwin Group vs THREE by Berkshire Hathaway D&O Insurance Comparison Use this comparison to evaluate The Baldwin Group 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. ## The Baldwin Group vs THREE by Berkshire Hathaway D&O Insurance Summary THREE presents D&O as a component of a Business Owners Policy with no separate limit published; Baldwin describes a D&O advisory role. [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ## What Is the Baldwin Group? Baldwin’s Insurance Advisory Solutions group describes commercial-risk and employee-benefit services for businesses and private-risk management for high-net-worth individuals and families; its business-insurance page outlines a five-step RiskMap process. [1](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm "The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025") [2](https://baldwin.com/business-insurance/ "Business Insurance") [The Baldwin Group profile](https://spot.insure/insurance-providers/baldwin) ## 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 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. [8](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [9](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [10](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage") ## What Are the Key Differences Between The Baldwin Group and THREE by Berkshire Hathaway D&O Insurance? ### Program advice versus a package category Baldwin describes D&O as protection for individuals and the entity, with Coverage A, B and C grants [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management"). THREE lists Directors & Officers among categories of its combined Business Owners Policy rather than as a separate policy [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway"). ### Limits and eligibility THREE's product page states no separate D&O limit or eligibility rules and says the quote summary lists limits and deductibles [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway"). Baldwin's source also states no buyer-specific limit or retention [4](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance"). ### Issuer and route THREE's sample policy names Berkshire Hathaway Direct Insurance Company as issuer, and prospects use an online quote with advisors [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway"). Baldwin does not identify itself as the insurer [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management"). ## What Should You Confirm in The Baldwin Group and THREE by Berkshire Hathaway D&O Insurance Quotes? - Does a THREE quote actually include D&O, and with what limit? [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") - Does a BOP-based category meet investor or board expectations, compared with a program Baldwin designs? [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") - Which Baldwin-placed insurer would apply? [4](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") ## The Baldwin Group vs THREE by Berkshire Hathaway D&O Compared | Criteria | Baldwin Directors and Officers Liability Brokerage and Advisory | THREE Business Owners Policy | | --- | --- | --- | | Role in This Line | The source describes The Baldwin Group’s brokerage or advisory role for Directors and Officers Liability. It does not identify Baldwin as the risk-bearing insurer for a particular placement. [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") (Evidence: Company-reported; scope: The cited company page describes its brokerage/advisory role and does not name the issuer for a buyer-specific placement..) | 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. [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 | Confirm in your quote. | 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 | Baldwin’s management-liability practice discusses public-company, IPO and SPAC D&O programs; its real-estate practice names owners, managers, REITs, lenders and associations. These contexts do not guarantee placement eligibility. [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") (Evidence: Company-reported; scope: This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability..) | 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. [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 | Baldwin describes D&O insurance as protecting individual directors/officers and the entity against certain alleged management-related losses, and discusses Coverage A, B and C as common policy grants. This is general product education, not a buyer’s policy wording. [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") (Evidence: Company-reported; scope: The statement reports Baldwin’s marketed coverage or advisory description only. No individual quote, binder, policy form, schedule or endorsement was reviewed; policy entitlement and terms remain unknown..) | 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. [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 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 source does not state a buyer-specific limit, retention, deductible or coverage schedule. Confirm the quote and issued policy or bond. [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") (Evidence: Not publicly disclosed; scope: No buyer quote, binder, policy or bond form was available in the reviewed public sources..) | 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. [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 | Baldwin describes management-liability advice, D&O benchmarking and program guidance, including public-company and pre-IPO contexts. Benchmarking is not a coverage term or quote. [3](https://baldwin.com/business-insurance/industries/real-estate/ "Commercial Real Estate Insurance & Risk Management") [4](https://baldwin.com/business-insurance/solutions/management-liability/ "Directors & Officers Liability Insurance") (Evidence: Company-reported; scope: These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established..) | 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. [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 Directors and Officers will be offered for a particular business or whether a customer can bind that line without an issued policy..) | ## Related Pages for The Baldwin Group vs THREE by Berkshire Hathaway D&O - [The Baldwin Group vs THREE by Berkshire Hathaway](https://spot.insure/compare/baldwin-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. - [The Baldwin Group vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-three/commercial-auto) - [The Baldwin Group vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/baldwin-vs-three/commercial-property) - [The Baldwin Group vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/baldwin-vs-three/cyber) - [The Baldwin Group vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-three/employment-practices) - [The Baldwin Group vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-three/equipment-breakdown) - [The Baldwin Group vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-three/fiduciary) - [The Baldwin Group vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/baldwin-vs-three/general-liability) - [The Baldwin Group vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/baldwin-vs-three/inland-marine) - [The Baldwin Group vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/baldwin-vs-three/professional-errors-omissions) - [The Baldwin Group vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/baldwin-vs-three/workers-compensation) - [AIG vs The Baldwin Group D&O Insurance](https://spot.insure/compare/aig-vs-baldwin/directors-officers) - [AIG vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/aig-vs-three/directors-officers) - [Alliance Risk vs The Baldwin Group D&O Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/directors-officers) - [Alliance Risk vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/alliance-risk-vs-three/directors-officers) - [Amelia Risk vs The Baldwin Group D&O Insurance](https://spot.insure/compare/amelia-risk-vs-baldwin/directors-officers) - [Amelia Risk vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/amelia-risk-vs-three/directors-officers) ## Sources for The Baldwin Group vs THREE by Berkshire Hathaway ### Sources About The Baldwin Group 1. [The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025](https://www.sec.gov/Archives/edgar/data/1781755/000178175526000018/bwin-20251231.htm). U.S. Securities and Exchange Commission; filed by The Baldwin Insurance Group, Inc.; Part I, Item 1, “The Company,” lines 194–196; “Operating Groups,” lines 260–263; “Clients and Insurers,” lines 286–288; pp. 6–10; opened 2026-09-28.. Accessed 2026-09-28. 2. [Business Insurance](https://baldwin.com/business-insurance/). The Baldwin Group; RiskMap process, lines 40–68; Connect With Us consultation invitation, lines 182–187; accessed 2026-09-28.. Accessed 2026-09-28. 3. [Commercial Real Estate Insurance & Risk Management](https://baldwin.com/business-insurance/industries/real-estate/). The Baldwin Group; “Coverage designed to perform” and sections “Management & governance risk” / “Professional & specialty risk,” lines 120–150; coverage lines plus claims advocacy at lines 153–163; page accessed 2026-09-29.. Accessed 2026-09-30. 4. [Directors & Officers Liability Insurance](https://baldwin.com/business-insurance/solutions/management-liability/). The Baldwin Group; D&O report and advisory team lines 23–32; Nasdaq collaboration with public-company/IPO/SPAC scope lines 38–44; accessed 2026-09-29.. Accessed 2026-09-30. ### Sources About 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. ### Sources for the D&O Insurance Guide 8. [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. 9. [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. 10. [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. ## The Baldwin Group Review Scores for 2026 Review Score: not enough ratings. The reviewed public sources do not establish a representative customer rating for The Baldwin Group’s commercial advisory business. BBB pages show different legal entities: an A+ regional insurance-agency grade with zero listed reviews and complaints for The Baldwin Group Mid-Atlantic, LLC, and an A- grade plus six complaints in three years for The Baldwin Group Personal Insurance, LLC. A 2026 personal-lines complaint describes delayed refund handling. A separate National General auto review mentions a Baldwin referral but concerns insurer policy administration. None of these observations supports a group-wide or commercial rating. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/baldwin/reviews). ## THREE by Berkshire Hathaway Review Scores for 2026 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/baldwin-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)