---
title: "Chubb vs THREE by Berkshire Hathaway: Equipment Breakdown Insurance"
description: "Chubb offers monoline or package equipment-breakdown coverage and describes engineering services; THREE lists it within its BOP."
canonical: "https://spot.insure/compare/chubb-vs-three/equipment-breakdown"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "chubb-vs-three"
provider-a: "chubb"
provider-b: "three"
coverage-line: "equipment-breakdown"
---

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[Human-readable page](https://spot.insure/compare/chubb-vs-three/equipment-breakdown)

## Agent Guide

**What this page is:** Focused comparison of Chubb 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 Chubb 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:**
- Chubb vs THREE by Berkshire Hathaway for Equipment Breakdown Insurance: how do they differ?
- Which is better for Equipment Breakdown Insurance, Chubb or THREE by Berkshire Hathaway?
- What does Chubb 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 Chubb or THREE by Berkshire Hathaway?

**Key facts:**
- Line: Equipment Breakdown Insurance. Providers: Chubb 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 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [Chubb vs THREE by Berkshire Hathaway](https://spot.insure/compare/chubb-vs-three) — parent: all coverage lines for this pair
- [Equipment Breakdown Insurance guide](https://spot.insure/coverage/equipment-breakdown) — coverage explainer for this line
- [Chubb profile](https://spot.insure/insurance-providers/chubb) — provider profile (evidence)
- [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence)
- [Chubb vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/chubb-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Chubb vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Chubb vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/chubb-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Chubb vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/chubb-vs-three/cyber) — sibling comparison (other line, or other pair for this line)
- [Chubb vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/chubb-vs-three/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Chubb vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/chubb-vs-three/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Chubb vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-three/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Chubb vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/chubb-vs-three/general-liability) — sibling comparison (other line, or other pair for this line)
- [Chubb vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/chubb-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Chubb vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/chubb-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Chubb vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Chubb Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-chubb/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 Chubb Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-three/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 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)

# Chubb vs THREE by Berkshire Hathaway: How Do They Compare for Equipment Breakdown Insurance?

Chubb offers monoline or package equipment-breakdown coverage and describes engineering services; THREE lists it within its BOP.

## How to Use the Chubb vs THREE by Berkshire Hathaway Equipment Breakdown Insurance Comparison

Use this comparison to evaluate Chubb 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.

## Chubb vs THREE by Berkshire Hathaway Equipment Breakdown Insurance Summary

Chubb underwrites equipment breakdown as monoline or package coverage and describes engineer inspections and loss prevention; THREE lists the coverage within its combined BOP. [4](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html "Equipment Breakdown Insurance") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

## What Is Chubb?

Chubb fits technology firms seeking DigiTech ERM or small businesses with up to $30 million in revenue seeking a BOP; buyers wanting an instant direct purchase should compare online carriers. Agents can quote eligible small accounts, with a faster cyber route. [1](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance For Technology Companies") [2](https://www.chubb.com/us-en/terms-of-use.html "Terms Of Use") [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")

[Chubb profile](https://spot.insure/insurance-providers/chubb)

## 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 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. [8](https://www.iii.org/article/understanding-commercial-package-policies "Understanding Commercial Package Policies") [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://www.travelers.com/risk-control/specialties/equipment-breakdown "Equipment Breakdown") [11](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")

## What Are the Key Differences Between Chubb and THREE by Berkshire Hathaway Equipment Breakdown Insurance?

### Chubb’s Monoline Option and the THREE Package

Chubb says it underwrites equipment-breakdown coverage directly and offers it both as a monoline policy and within a package. THREE presents the line as one component of its combined Business Owners Policy. A manufacturer comparing the choices can ask Chubb for a standalone proposal alongside its property program, while a THREE buyer should inspect how the breakdown protection is scheduled in the BOP. Neither product label by itself identifies the equipment, causes of loss, or limits on a quote. [4](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html "Equipment Breakdown Insurance") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Engineering and Inspections

Chubb describes board-certified equipment-breakdown engineers who perform jurisdictional inspections, surveys, accident investigations, thermography, and oil or vibration analysis. THREE lists Equipment Breakdown as a BOP category. These are different kinds of public detail: Chubb describes engineering work, while THREE identifies the line in a package. Ask Chubb which services apply to the proposed placement and ask THREE what equipment and loss triggers its quoted wording covers. [4](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html "Equipment Breakdown Insurance") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

## What Should You Confirm in Chubb and THREE by Berkshire Hathaway Equipment Breakdown Insurance Quotes?

- Ask Chubb which inspections and loss-control services are part of the proposed placement and what conditions apply to the planned equipment. [4](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html "Equipment Breakdown Insurance")
- Ask THREE for the equipment list, breakdown wording, limit, deductible, and any inspection services in the BOP documents. [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")

## Chubb vs THREE by Berkshire Hathaway Equipment Breakdown Compared

| Criteria | Chubb Equipment Breakdown Insurance | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Chubb underwrites equipment breakdown coverage directly, offered on both a monoline basis and as part of a package policy. [4](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html "Equipment Breakdown Insurance") (Evidence: Company-reported; scope: Equipment Breakdown product page..) | 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. [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 | Chubb lists target clients including municipalities, water and sewer utilities, wholesale and retail businesses, schools and universities, commercial and residential real estate, hospitals and nursing homes, manufacturing, food processing and cold storage, hotels, publishing, communications, life sciences and biotech, museums, and chemical manufacturers. [4](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html "Equipment Breakdown Insurance") (Evidence: Company-reported; scope: Target Client list..) | 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. [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 | Chubb says the policy can be customized with separate, higher limits for selected coverages or a higher blanket limit, and that additional coverage such as ammonia contamination and food spoilage can be purchased separately for higher limits. [4](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html "Equipment Breakdown Insurance") (Evidence: Company-reported; scope: Coverage Highlights, Advantages section; subject to the policy as issued..)<br><br>Chubb offers a Green Standards feature to rebuild to LEED standards or replace with energy-efficient equipment after an insured loss, and an Enhanced Safety feature providing up to 25% in additional limits for rebuilding or replacing equipment with safer features. [4](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html "Equipment Breakdown Insurance") (Evidence: Company-reported; scope: Coverage Highlights, Advantages section..) | 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. [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: 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 page does not publish specific dollar limits; it describes "significant capacity available" and higher or blanket limits as options without naming figures. [4](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html "Equipment Breakdown Insurance") (Evidence: Not found in reviewed sources; scope: Equipment Breakdown product page as read on 2026-09-23..) | 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. [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 | Chubb says its board-certified Equipment Breakdown engineers perform required jurisdictional inspections, conduct surveys and accident investigations, and provide loss-prevention services including thermography imaging and oil and vibration analysis. [4](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html "Equipment Breakdown Insurance") (Evidence: Company-reported; scope: Expert Claims Handling & Loss Control section..) | 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 Equipment Breakdown will be offered for a particular business or whether a customer can bind that line without an issued policy..) |
| Claims Support | Chubb says a dedicated equipment-breakdown claim unit handles losses, and that the risk engineer who conducted the original inspection often also conducts the initial loss investigation for continuity of service. [4](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html "Equipment Breakdown Insurance") (Evidence: Company-reported; scope: Expert Claims Handling & Loss Control section; company-described process, not an independently verified outcome..) | Confirm in your quote. |

## Related Pages for Chubb vs THREE by Berkshire Hathaway

- [Chubb vs THREE by Berkshire Hathaway](https://spot.insure/compare/chubb-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.
- [Chubb vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/chubb-vs-three/business-owners-policy)
- [Chubb vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/chubb-vs-three/commercial-auto)
- [Chubb vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/chubb-vs-three/commercial-property)
- [Chubb vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/chubb-vs-three/cyber)
- [Chubb vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/chubb-vs-three/directors-officers)
- [Chubb vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/chubb-vs-three/employment-practices)
- [Chubb vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/chubb-vs-three/fiduciary)
- [Chubb vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/chubb-vs-three/general-liability)
- [Chubb vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/chubb-vs-three/inland-marine)
- [Chubb vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/chubb-vs-three/professional-errors-omissions)
- [Chubb vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-three/workers-compensation)
- [AIG vs Chubb Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-chubb/equipment-breakdown)
- [AIG vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-three/equipment-breakdown)
- [Alliance Risk vs Chubb Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/equipment-breakdown)
- [Alliance Risk vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-three/equipment-breakdown)
- [The Baldwin Group vs Chubb Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-chubb/equipment-breakdown)
- [The Baldwin Group vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-three/equipment-breakdown)

## Sources for Chubb vs THREE by Berkshire Hathaway

### Sources About Chubb

1. [Insurance For Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Industry overview; Who we serve; Products and services: commercial package insurance (BOP, Benchmarq, Customarq), E&O/Cyber, Financial Lines, workers’ compensation, auto and umbrella; dedicated underwriting, claims and risk engineering. Accessed 2026-09-16.
2. [Terms Of Use](https://www.chubb.com/us-en/terms-of-use.html). Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
3. [Cyber Insurance Coverage & Products](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html). Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
4. [Equipment Breakdown Insurance](https://www.chubb.com/us-en/business-insurance/equipment-breakdown.html). Chubb; Coverage Highlights: Advantages and Benefits lists; Expert Claims Handling & Loss Control section; Target Client industry list. Accessed 2026-09-23.

### 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 Equipment Breakdown Insurance Guide

8. [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.
9. [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.
10. [Equipment Breakdown](https://www.travelers.com/risk-control/specialties/equipment-breakdown). Travelers; Definition and equipment list. Accessed 2026-09-16.
11. [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 2026-10-01. 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.

## Chubb Review Scores for 2026

Review Score: 6.9 / 10 from 5 rated sources, equally weighted.

Chubb earns 5/5 from NerdWallet, which reports fewer-than-expected commercial property and liability complaints. Customer ratings are mixed across products and locations.

- NerdWallet: NerdWallet editorial rating 5.0 (5 stars). Chubb identity; US commercial insurance review/satisfaction evidence sought on NerdWallet. Period: updated 2026-05-14. Checked 2026-09-25. [Chubb Business Insurance Review 2026: Top-Rated Company, Customizable BOP](https://www.nerdwallet.com/business/insurance/learn/chubb-small-business-insurance)
- Trustpilot: TrustScore 4.2 (5 stars); 3345 reviews. Chubb identity; US commercial insurance review/satisfaction evidence sought on Trustpilot. Checked 2026-09-25. [Chubb (European Region) Reviews](https://www.trustpilot.com/review/www.chubb.com)
- Google: Google star rating 2.0 (5 stars); 8 reviews. One Chubb Group local listing at 701 5th Ave, Seattle, Washington; profile-level feedback is not firmwide, not line-specific, and may include personal policies/claims. Checked 2026-09-25. [Chubb Group of Insurance Companies — Google reviews via Birdeye](https://reviews.birdeye.com/chubb-group-of-insurance-companies-149396582765159)
- ConsumerAffairs: ConsumerAffairs star rating 1.8 (5 stars); 20 reviews. ConsumerAffairs page for U.S. Chubb auto insurance (personal auto); not commercial-policy feedback. Period: page updated 2026-08-14. Checked 2026-09-25. [Chubb Auto Insurance Reviews](https://www.consumeraffairs.com/insurance/chubb.html)
- MoneyGeek: MoneyGeek customer score 4.2 (5 points). MoneyGeek’s U.S. small-business insurance customer-review analysis; publisher describes it as cross-source review analysis and does not isolate one commercial line. Period: 2026 review; MoneyGeek reports over 1,100 reviews, collection period not stated. Checked 2026-09-25. [Chubb Business Insurance Review (2026 Ratings)](https://www.moneygeek.com/insurance/business/chubb-review/)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/chubb/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/chubb-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)