--- title: "The Baldwin Group vs THREE by Berkshire Hathaway: Equipment Breakdown Insurance" description: "THREE lists equipment breakdown inside its combined BOP and offers an online quote; Baldwin describes digital-infrastructure equipment placement and risk services." canonical: "https://spot.insure/compare/baldwin-vs-three/equipment-breakdown" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "baldwin-vs-three" provider-a: "baldwin" provider-b: "three" coverage-line: "equipment-breakdown" --- 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/equipment-breakdown) ## Agent Guide **What this page is:** Focused comparison of The Baldwin Group and THREE by Berkshire Hathaway for Equipment Breakdown 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 Equipment Breakdown 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 Equipment Breakdown Insurance: how do they differ? - Which is better for Equipment Breakdown Insurance, The Baldwin Group or THREE by Berkshire Hathaway? - What does The Baldwin Group or THREE by Berkshire Hathaway publish about Equipment Breakdown Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Equipment Breakdown Insurance from The Baldwin Group or THREE by Berkshire Hathaway? **Key facts:** - Line: Equipment Breakdown 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 - [Equipment Breakdown Insurance guide](https://spot.insure/coverage/equipment-breakdown) — 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 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 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 Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-baldwin/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [AIG vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-three/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs The Baldwin Group Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Chubb Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-chubb/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs CNA Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-cna/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Coverdash Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-coverdash/equipment-breakdown) — sibling comparison (other line, or other pair for this line) # The Baldwin Group vs THREE by Berkshire Hathaway: How Do They Compare for Equipment Breakdown Insurance? THREE lists equipment breakdown inside its combined BOP and offers an online quote; Baldwin describes digital-infrastructure equipment placement and risk services. ## Research Scope and Use Use this comparison to evaluate The Baldwin Group and THREE by Berkshire Hathaway for Equipment Breakdown 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 equipment breakdown within its Business Owners Policy and a small-business quote route; The Baldwin Group identifies the line in digital-infrastructure programs without published package details. [3](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") [6](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. [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 Equipment Breakdown Insurance? Equipment-breakdown coverage can help repair covered machinery or building equipment after a mechanical or electrical failure. It fits businesses that depend on equipment to operate; check whether lost income, spoilage and utility failures are included. [7](https://www.iii.org/article/understanding-commercial-package-policies "Understanding Commercial Package Policies") [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://www.travelers.com/risk-control/specialties/equipment-breakdown "Equipment Breakdown") [10](https://www.munichre.com/content/dam/munichre/hsb/hsb-iic/documents/hsb-techadvantage-equipment-breakdown-coverage-form.pdf/_jcr_content/renditions/original./hsb-techadvantage-equipment-breakdown-coverage-form.pdf "HSB TechAdvantage Equipment Breakdown Coverage Form") ## Key Differences in Equipment Breakdown Insurance ### How the coverage is packaged THREE lists equipment breakdown as a component of its combined Business Owners Policy rather than a separate standalone product. Baldwin names machinery breakdown among possible digital-infrastructure coverages and describes broader program design. A small business can start with THREE’s package quote, while a data-center buyer should ask Baldwin how equipment and other property risks fit together. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [3](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") ### Sample policy and quote THREE’s sample policy names Berkshire Hathaway Direct Insurance Company as issuer, and the company offers online quotes with licensed advisor help. Its public materials do not clarify how the equipment-breakdown item modifies exclusions in that sample. Baldwin’s overview leaves issuer and wording to the placement. Ask both to identify the actual form and explain any machinery exclusion. [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") [4](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [3](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") ## What to Confirm in Equipment Breakdown Insurance Quotes - Does THREE’s actual quote include equipment breakdown and modify the sample machinery exclusion? Which insurer and equipment terms would Baldwin secure? ## Offering Details | Criteria | Baldwin Equipment Breakdown Brokerage for Digital Infrastructure | THREE Business Owners Policy | | --- | --- | --- | | Role in This Line | The source describes The Baldwin Group’s brokerage or advisory role for Equipment Breakdown Brokerage for Digital Infrastructure. It does not identify Baldwin as the risk-bearing insurer for a particular placement. [3](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") (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 Equipment Breakdown 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 | Confirm in your quote. | 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 | Baldwin’s digital-infrastructure practice focuses on businesses that build and operate critical infrastructure and lists equipment breakdown as a coverage consideration. The page does not publish asset-specific eligibility criteria. [3](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") (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 Equipment Breakdown; 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 | Baldwin lists machinery/equipment breakdown among coverages that may be considered for digital-infrastructure risks. It does not identify covered equipment, causes of loss, waiting periods or any policy terms. [3](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") (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 Equipment Breakdown, while its sample policy also excludes some machinery, equipment, or listed vehicles that stop without an accident. The public materials do not establish how an offered equipment-breakdown item changes that sample exclusion. [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: Company marketing and the displayed sample policy only; the selected quote, state-specific forms, and endorsements determine whether a specific equipment breakdown loss is covered..) | | 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/digital-infrastructure/ "Digital Infrastructure") (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 Equipment Breakdown; 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 | Baldwin describes loss-prevention consulting, claims management and support, business-continuity planning and global program design for digital-infrastructure clients. [3](https://baldwin.com/business-insurance/industries/digital-infrastructure/ "Digital Infrastructure") (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. [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 Equipment Breakdown will be offered for a particular business or whether a customer can bind that line without an issued policy..) | ## Full Comparison - [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 Equipment Breakdown Insurance?](https://spot.insure/coverage/equipment-breakdown): Equipment breakdown can help repair covered machinery after mechanical or electrical failure; check whether downtime, spoilage and utility interruption are also covered. - [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 Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-three/fiduciary) - [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 Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-baldwin/equipment-breakdown) - [AIG vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-three/equipment-breakdown) - [Alliance Risk vs The Baldwin Group Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/equipment-breakdown) - [The Baldwin Group vs Chubb Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-chubb/equipment-breakdown) - [The Baldwin Group vs CNA Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-cna/equipment-breakdown) - [The Baldwin Group vs Coverdash Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-coverdash/equipment-breakdown) ## Sources ### 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. [Digital Infrastructure](https://baldwin.com/business-insurance/industries/digital-infrastructure/). The Baldwin Group; “Products designed to perform,” lines 145–178, lists property, builders’ risk, equipment breakdown, workers’ compensation, commercial general liability, commercial auto, cyber, inland/ocean marine, management liability, umbrella/excess, and other lines for digital-infrastructure exposures; accessed 2026-09-29.. 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. ### Equipment Breakdown Insurance Guide 7. [Understanding Commercial Package Policies](https://www.iii.org/article/understanding-commercial-package-policies). Insurance Information Institute; Available CPP additions: Equipment breakdown. 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; Boiler and Machinery; Commercial Property: Covered Causes of Loss; Commercial Property: Time Element; Inland Marine; Coverage Forms and/or Specialty Coverages. Accessed 2026-09-16. 9. [Equipment Breakdown](https://www.travelers.com/risk-control/specialties/equipment-breakdown). Travelers; Definition and equipment list. Accessed 2026-09-16. 10. [HSB TechAdvantage Equipment Breakdown Coverage Form](https://www.munichre.com/content/dam/munichre/hsb/hsb-iic/documents/hsb-techadvantage-equipment-breakdown-coverage-form.pdf/_jcr_content/renditions/original./hsb-techadvantage-equipment-breakdown-coverage-form.pdf). The Hartford Steam Boiler Inspection and Insurance Company; G.1 Accident, PDF p.17; A.2.a–c p.1; C.2 pp.8–9; C pp.8–9; D pp.9–10; E.10 Valuation, PDF pp.13–14; G.10–11 pp.18–19; A.2.n p.5 (Off Premises Equipment Breakdown); A.2.p pp.5–6; A.2.r p.6; G.18 p.20 (Interruption of Service). 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 Reviews 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 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/baldwin-vs-three/equipment-breakdown.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)