---
title: "Berkshire Hathaway Specialty Insurance vs THREE by Berkshire Hathaway: Inland Marine Insurance"
description: "Berkshire Hathaway Specialty Insurance lists inland marine product classes, while THREE by Berkshire Hathaway includes inland marine within its combined Business Owners Policy."
canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three/inland-marine"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "berkshire-hathaway-specialty-insurance-vs-three"
provider-a: "berkshire-hathaway-specialty-insurance"
provider-b: "three"
coverage-line: "inland-marine"
---

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[Human-readable page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three/inland-marine)

## Agent Guide

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

**Key facts:**
- Line: Inland Marine Insurance. Providers: Berkshire Hathaway Specialty Insurance 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:**
- [Berkshire Hathaway Specialty Insurance vs THREE by Berkshire Hathaway](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three) — parent: all coverage lines for this pair
- [Inland Marine Insurance guide](https://spot.insure/coverage/inland-marine) — coverage explainer for this line
- [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) — provider profile (evidence)
- [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence)
- [Berkshire Hathaway Specialty Insurance vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three/cyber) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Berkshire Hathaway Specialty Insurance Inland Marine Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/inland-marine) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/aig-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Chubb Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs CNA Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cna/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs Coverdash Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-coverdash/inland-marine) — sibling comparison (other line, or other pair for this line)

# Berkshire Hathaway Specialty Insurance vs THREE by Berkshire Hathaway: How Do They Compare for Inland Marine Insurance?

Berkshire Hathaway Specialty Insurance lists inland marine product classes, while THREE by Berkshire Hathaway includes inland marine within its combined Business Owners Policy.

## Research Scope and Use

Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and THREE by Berkshire Hathaway for Inland Marine 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

Berkshire Hathaway Specialty Insurance identifies inland transit, cargo, warehouse and contractor equipment classes. THREE by Berkshire Hathaway markets Inland Marine within its Business Owners Policy and directs small businesses to an online quote with licensed advisor support. [5](https://www.bhspecialty.com/us-products/us-marine/ "Marine") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

## What Is Berkshire Hathaway Specialty Insurance?

BHSI provides commercial and specialty insurance in the U.S., with product-specific industry lists that include healthcare, energy and technology. Online quote and application submissions are nonbinding. [1](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [2](https://www.bhspecialty.com/about-us/ "About Us") [3](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") [4](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/ "Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch")

[Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance)

## 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. [6](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [7](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 Inland Marine Insurance?

If your business moves equipment between sites or ships goods, inland marine can cover those property exposures; installation and other forms address different property categories. Match the quote to what you own, rent or hold for others. [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://www.dms.myflorida.com/content/download/132333/823484/SoF_Policy_CE_17-18_UM00056635MA17A.pdf "Inland Marine Policy: Contractors’ Equipment")

## Key Differences in Inland Marine Insurance

### What the Published Offering Defines

Berkshire Hathaway Specialty Insurance’s catalog names separate classes—transit, motor-truck cargo, warehouse legal liability, contractor equipment and installation. THREE by Berkshire Hathaway presents Inland Marine as one component of its combined Business Owners Policy rather than a separate standalone product on the reviewed page. A buyer comparing these approaches should map the actual exposure to the package schedule at THREE by Berkshire Hathaway and to the relevant marine class at Berkshire Hathaway Specialty Insurance; the labels do not show which risks a quote includes. [5](https://www.bhspecialty.com/us-products/us-marine/ "Marine") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Buying and Policy Details to Resolve

THREE by Berkshire Hathaway directs small-business buyers to an online quote and offers licensed Small Business Advisors to help, while Berkshire Hathaway Specialty Insurance’s catalog is aimed at commercial categories including developers, contractors, logistics and warehousemen. The THREE by Berkshire Hathaway page does not publish a separate inland-marine limit or deductible; its quote-specific summary carries those details. Ask for the scheduled property, covered causes and insurer on the actual quote before comparing package convenience with a dedicated marine placement. [5](https://www.bhspecialty.com/us-products/us-marine/ "Marine") [6](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

## What to Confirm in Inland Marine Insurance Quotes

- Does THREE by Berkshire Hathaway’s quote include Inland Marine for your specific equipment, and at what limit? [5](https://www.bhspecialty.com/us-products/us-marine/ "Marine") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")
- Which Berkshire Hathaway Specialty Insurance marine class applies, and what separate deductible and schedule will it use? [5](https://www.bhspecialty.com/us-products/us-marine/ "Marine") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

## Offering Details

| Criteria | Commercial Inland Marine products including inland transit, motor-truck cargo, warehouse legal liability, contractor equipment and floaters; separately cataloged from Ocean Marine cargo and stock throughput. | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | THREE presents Inland Marine as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. [8](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. [7](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 | For Inland Marine, BHSI lists developers, general contractors, logistics, transportation, oil and gas, utilities, and warehousemen as top targets. [5](https://www.bhspecialty.com/us-products/us-marine/ "Marine") (Evidence: Company-reported; scope: BHSI U.S. Inland Marine target-account list only. Material limitation: Target examples do not guarantee eligibility; do not substitute the separate Ocean Marine customer list or combine the products/forms..) | The reviewed product page does not state separate eligibility rules for Inland Marine; the general quote and advisor route is not proof that a particular business qualifies for it. [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](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 | BHSI's marine catalog includes inland transit, motor-truck cargo, warehouse legal liability, contractor equipment and installation risks. [5](https://www.bhspecialty.com/us-products/us-marine/ "Marine") (Evidence: Company-reported; scope: US commercial marine and inland-marine products. Material limitation: These are separate scheduled exposures/forms; not all are necessarily available in one policy..)<br><br>BHSI describes additional inland-marine risks such as exhibition property, scheduled articles, small tools and leased equipment. [5](https://www.bhspecialty.com/us-products/us-marine/ "Marine") (Evidence: Company-reported; scope: Commercial inland marine placements. Material limitation: Eligibility, deductibles, limits and geographic scope depend on the policy..) | THREE's Business Owners Policy page lists Inland Marine 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. [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [7](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Official THREE package marketing for Inland Marine. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy..) |
| Limits and Retentions | Confirm in your quote. | The reviewed public product page does not state a separate limit or deductible for Inland Marine; THREE says the quote-specific insurance summary lists limits and deductibles. [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [7](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..) |
| 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. [6](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 Inland Marine will be offered for a particular business or whether a customer can bind that line without an issued policy..) |

## Full Comparison

- [Berkshire Hathaway Specialty Insurance vs THREE by Berkshire Hathaway](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three): all coverage lines, business roles, service and claims.
- [What Is Inland Marine Insurance?](https://spot.insure/coverage/inland-marine): Inland marine covers specialized property exposures such as equipment moved between sites, installed property and goods in transit; the quote must match what you own or hold.
- [Berkshire Hathaway Specialty Insurance vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three/commercial-property)
- [Berkshire Hathaway Specialty Insurance vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three/cyber)
- [Berkshire Hathaway Specialty Insurance vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three/directors-officers)
- [Berkshire Hathaway Specialty Insurance vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three/employment-practices)
- [Berkshire Hathaway Specialty Insurance vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three/fiduciary)
- [Berkshire Hathaway Specialty Insurance vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three/general-liability)
- [AIG vs Berkshire Hathaway Specialty Insurance Inland Marine Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/inland-marine)
- [AIG vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/aig-vs-three/inland-marine)
- [Alliance Risk vs Berkshire Hathaway Specialty Insurance Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/inland-marine)
- [Berkshire Hathaway Specialty Insurance vs Chubb Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-chubb/inland-marine)
- [Berkshire Hathaway Specialty Insurance vs CNA Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cna/inland-marine)
- [Berkshire Hathaway Specialty Insurance vs Coverdash Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-coverdash/inland-marine)

## Sources

### Berkshire Hathaway Specialty Insurance

1. [At A Glance](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf). Berkshire Hathaway Specialty Insurance; United States section, zero-based PDF pages 49–53 (viewer pages 50–54): product/industry lists on pages 49–50; U.S. disclosure/version footer on page 53 is 2026-8-03 A. The 2026-09-14 A footer is on preceding European page 48, not the U.S. section.. Accessed 2026-09-29.
2. [About Us](https://www.bhspecialty.com/about-us/). Berkshire Hathaway Specialty Insurance; About BHSI; company profile page re-opened through official site on 2026-09-28; company says it is part of National Indemnity group. Accessed 2026-09-28.
3. [Terms of Service](https://www.bhspecialty.com/terms-conditions/). Berkshire Hathaway Specialty Insurance; Important Information Concerning Use of this Web Site, paragraphs 2–4; nonbinding submissions, contracted-agent authority, state variation, product availability and policy-specific terms. Accessed 2026-09-28.
4. [Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/). Berkshire Hathaway Specialty Insurance; Singapore branch public disclosure, Company Profile ¶¶ 1–2; direct page opened 2026-09-28. ¶ 1 identifies BHSIC as a Nebraska-domiciled direct P&C insurer; ¶ 2 states BHSIC is wholly owned by National Indemnity Company, itself wholly owned by Berkshire Hathaway Incorporated.. Accessed 2026-09-28.
5. [Marine](https://www.bhspecialty.com/us-products/us-marine/). Berkshire Hathaway Specialty Insurance; Inland and ocean marine product list, covered property classes and target businesses; lines 18-69. Accessed 2026-09-28.

### THREE by Berkshire Hathaway

6. [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.
7. [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.
8. [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.

### Inland Marine Insurance Guide

9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery. Accessed 2026-09-16.
10. [Inland Marine Policy: Contractors’ Equipment](https://www.dms.myflorida.com/content/download/132333/823484/SoF_Policy_CE_17-18_UM00056635MA17A.pdf). Markel American Insurance Company / American Association of Insurance Services; hosted by Florida Department of Management Services; PDF p.8 declarations; attached Contractors’ Equipment printed pp.1–13 (PDF pp.18–30); replacement-cost endorsement PDF p.34. 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.

## Berkshire Hathaway Specialty Insurance Reviews

Review Score: not enough ratings.

The public ratings for Berkshire Hathaway Specialty Insurance are low but thin: Trustpilot shows 2.1 out of 5 from 9 reviews and BBB shows 1 out of 5 from 6. Both mix travel and commercial customers, so we don't count them in a score.

- Trustpilot: TrustScore 2.1 (out of 5); 9 reviews. Trustpilot profile for bhspecialty.com, accessed 2026-09-29. Its small review set mixes travel-policy and other customer accounts; it is user-generated and unverified, and does not establish commercial-policy outcomes or representativeness. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance Reviews](https://www.trustpilot.com/review/bhspecialty.com)
- BBB: Customer review average 1 (out of 5 stars); 6 reviews. BBB page for BHSI headquarters and corporate-owned locations, accessed 2026-09-29. The page’s six customer reviews mix travel and commercial narratives; BBB says third-party information is not verified. BBB’s business letter grade is separate from these customer reviews. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance — BBB Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/berkshire-hathaway-specialty-insurance-0021-439678/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/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

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