---
title: "Chubb vs THREE by Berkshire Hathaway: Professional Liability (E&O) Insurance"
description: "Chubb's Pro ERM combines professional liability with media and cyber exposures; THREE lists E&O as a category in its Business Owners Policy."
canonical: "https://spot.insure/compare/chubb-vs-three/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "chubb-vs-three"
provider-a: "chubb"
provider-b: "three"
coverage-line: "professional-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/chubb-vs-three/professional-errors-omissions)

## Agent Guide

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

**Key facts:**
- Line: Professional Liability (E&O) 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 2026-09-30. 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
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — 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 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 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 Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-chubb/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Chubb Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs Chubb Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-chubb/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [At-Bay vs Chubb Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-chubb/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)

# Chubb vs THREE by Berkshire Hathaway: How Do They Compare for Professional Liability (E&O) Insurance?

Chubb's Pro ERM combines professional liability with media and cyber exposures; THREE lists E&O as a category in its Business Owners Policy.

## Research Scope and Use

Use this comparison to evaluate Chubb and THREE by Berkshire Hathaway for Professional Liability (E&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.

## Summary

Chubb says Pro ERM combines professional liability, media and cyber exposures and includes worldwide defense costs for covered claims. THREE lists E&O in its combined Business Owners Policy, while the quote-specific summary supplies its limit and deductible. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [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")

## 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 Professional Errors and Omissions (E&O) Insurance?

Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. [8](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [9](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [10](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [11](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance")

## Key Differences in Professional Liability (E&O) Insurance

### How E&O Sits With Other Coverage

Chubb describes Pro ERM as one policy combining professional liability with media and cyber exposures for non-licensed professional-services firms. THREE instead lists Errors & Omissions among the coverage categories in a combined Business Owners Policy. Buyers seeking E&O alongside cyber and media can compare Chubb's named combination with THREE's broader package, but should check which categories appear on the actual quote. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Defense and the Limit Shown

Chubb says Pro ERM covers 100% of defense costs for covered claims worldwide, although its reviewed page gives no separate liability limit or retention. THREE's public E&O page likewise does not publish a separate E&O limit or deductible; it says those figures appear in the quote-specific summary. A buyer can compare defense-cost treatment only after seeing the proposed forms and figures together. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

## What to Confirm in Professional Liability (E&O) Insurance Quotes

- Ask Chubb which liability limit and retention apply to Pro ERM and whether worldwide defense costs are inside or outside that limit. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products")
- Ask THREE for the quote summary showing E&O's separate limit and deductible, and verify E&O is selected in the BOP. [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")
- Compare the specific cyber and media protections in Chubb's combined policy with the coverage categories and forms THREE proposes. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")
- Confirm which Pro ERM applicant profile fits your business: Chubb describes it for non-licensed professional-services firms, while THREE does not publish separate E&O eligibility rules. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

## Offering Details

| Criteria | Chubb Pro ERM (Professional Enterprise Risk Management) | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Chubb underwrites professional errors and omissions coverage through Pro ERM, a single policy combining professional liability, media and cyber exposures for non-licensed professional-services firms. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Cyber Insurance Coverage & Products page, Professional Enterprise Risk Management section..) | THREE presents Errors and Omissions 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 says Pro ERM is available to non-licensed professional-services firms of all sizes, naming examples including associations, consultants, business process administrators, event planners, interior and graphic design firms, marketing and PR firms, printers, staffing firms, travel agents and trustees. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Pro ERM Target Clients list..) | The reviewed product page does not state separate eligibility rules for Errors and Omissions; 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 | Beyond the Cyber ERM base, Chubb says Pro ERM adds E&O coverage including personal injury from professional services, a broadened definition of professional services that expressly includes professional technology services, coverage for independent contractors performing duties on the insured's behalf, automatic additional-insured status for clients when required by contract, and coverage for professional disciplinary proceedings. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Pro ERM Product Features list; subject to the policy as issued..) | THREE's Business Owners Policy page lists Errors & Omissions 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 Errors and Omissions. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy..) |
| Limits and Retentions | Chubb says Pro ERM includes coverage for 100% of defense costs for covered claims worldwide, but the reviewed page does not publish a separate liability limit or retention. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Pro ERM Product Features list..) | The reviewed public product page does not state a separate limit or deductible for Errors and Omissions; 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 Pro ERM policyholders get access to legal counsel with extensive professional-liability experience, in addition to the general cyber-incident-response services shared with Cyber ERM. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Pro ERM Product Features list..) | Confirm in your quote. |
| How to Apply | Agents and brokers can quote Pro ERM through Chubb's Cyber Central or Marketplace quoting platforms. [3](https://www.chubb.com/us-en/business-insurance/products/cyber-insurance/cyber-insurance-products.html "Cyber Insurance Coverage & Products") (Evidence: Company-reported; scope: Cyber Insurance Coverage & Products page quoting section..) | 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 Errors and Omissions will be offered for a particular business or whether a customer can bind that line without an issued policy..) |

## Full Comparison

- [Chubb vs THREE by Berkshire Hathaway](https://spot.insure/compare/chubb-vs-three): all coverage lines, business roles, service and claims.
- [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms.
- [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 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 Workers’ Compensation Insurance](https://spot.insure/compare/chubb-vs-three/workers-compensation)
- [AIG vs Chubb Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-chubb/professional-errors-omissions)
- [AIG vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-three/professional-errors-omissions)
- [Alliance Risk vs Chubb Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-chubb/professional-errors-omissions)
- [Alliance Risk vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-three/professional-errors-omissions)
- [Aon vs Chubb Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-chubb/professional-errors-omissions)
- [At-Bay vs Chubb Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-chubb/professional-errors-omissions)

## Sources

### 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; Professional Enterprise Risk Management section: target clients and product features beyond Cyber ERM. Accessed 2026-09-23.
4. [Insurance for Software Product & System Developers](https://www.chubb.com/us-en/business-insurance/software-system-developers.html). Chubb; Financial-lines coverage solutions list for software and systems developers. Accessed 2026-09-23.

### 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.

### Professional Liability (E&O) Insurance Guide

8. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
9. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
10. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
11. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. 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.

## Chubb Reviews

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 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/chubb-vs-three/professional-errors-omissions.md)
- [Developer resources](https://spot.insure/developers)
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