---
title: "Corgi vs THREE by Berkshire Hathaway: Fiduciary Liability Insurance"
description: "Corgi includes fiduciary liability in Growth Stage and Custom packages; THREE lists it within its combined BOP."
canonical: "https://spot.insure/compare/corgi-vs-three/fiduciary"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "corgi-vs-three"
provider-a: "corgi"
provider-b: "three"
coverage-line: "fiduciary"
---

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[Human-readable page](https://spot.insure/compare/corgi-vs-three/fiduciary)

## Agent Guide

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

**Key facts:**
- Line: Fiduciary Liability Insurance. Providers: Corgi 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:**
- [Corgi vs THREE by Berkshire Hathaway](https://spot.insure/compare/corgi-vs-three) — parent: all coverage lines for this pair
- [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — coverage explainer for this line
- [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile (evidence)
- [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence)
- [Corgi vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/corgi-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Corgi vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Corgi vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/corgi-vs-three/cyber) — sibling comparison (other line, or other pair for this line)
- [Corgi vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/corgi-vs-three/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Corgi vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/corgi-vs-three/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Corgi vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/corgi-vs-three/general-liability) — sibling comparison (other line, or other pair for this line)
- [Corgi vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/corgi-vs-three/liquor-liability) — sibling comparison (other line, or other pair for this line)
- [Corgi vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Corgi vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-corgi/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-three/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-corgi/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-three/fiduciary) — sibling comparison (other line, or other pair for this line)

# Corgi vs THREE by Berkshire Hathaway: How Do They Compare for Fiduciary Liability Insurance?

Corgi includes fiduciary liability in Growth Stage and Custom packages; THREE lists it within its combined BOP.

## How to Use the Corgi vs THREE by Berkshire Hathaway Fiduciary Liability Insurance Comparison

Use this comparison to evaluate Corgi and THREE by Berkshire Hathaway for Fiduciary Liability 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.

## Corgi vs THREE by Berkshire Hathaway Fiduciary Liability Insurance Summary

Corgi says fiduciary coverage appears in its Growth Stage and Custom startup packages, not its Pre-Seed & Seed or Series A tiers; THREE lists it in its BOP. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [9](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [8](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

## What Is Corgi Insurance?

Corgi suits technology startups wanting packages organized from pre-seed through growth, with dashboard changes as the business grows; firms seeking only a direct single-carrier policy should compare alternatives. Issuers vary by product and state. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [3](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [4](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [5](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups")

[Corgi profile](https://spot.insure/insurance-providers/corgi)

## 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. [7](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [8](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 Fiduciary Liability Insurance?

Fiduciary liability can protect your company and plan fiduciaries when participants claim mishandling of an employee benefit plan. If you sponsor a retirement or health plan, check who is insured and whether both administration errors and fiduciary-breach claims are addressed. [10](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf "Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements") [11](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9 "Fiduciary Liability") [12](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance")

## What Are the Key Differences Between Corgi and THREE by Berkshire Hathaway Fiduciary Liability Insurance?

### Startup Stage and Package Availability

Corgi places fiduciary liability in its Growth Stage and Custom startup packages, while excluding it from its Pre-Seed & Seed and Series A tiers. THREE lists Fiduciary Liability as a category within its combined BOP. A startup considering Corgi can check which package tier applies and ask THREE whether its proposal schedules fiduciary liability for the business. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [9](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Claims-Made Form and Investigation Costs

Corgi describes its standard form as claims-made and says DOL investigations, IRS audits, and HHS inquiries are not covered claims unless they lead to a participant lawsuit; investigation costs themselves are not covered. THREE lists Fiduciary Liability as a BOP category. A plan sponsor comparing the two should check the proposed notice trigger, retroactive date, and response to agency inquiries in each form. [6](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [9](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

## What Should You Confirm in Corgi and THREE by Berkshire Hathaway Fiduciary Liability Insurance Quotes?

- Ask Corgi which package tier applies, whether any investigation endorsement changes the standard-form treatment, and what retention applies. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [6](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups")
- Ask THREE for the fiduciary form’s claim trigger, agency-investigation terms, limit, and deductible. [9](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [8](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

## Corgi vs THREE by Berkshire Hathaway Fiduciary Liability Compared

| Criteria | Corgi Fiduciary Liability | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Corgi sells Fiduciary Liability as part of its Growth Stage and Custom startup packages; it is not included in the Pre-Seed & Seed or Series A package tiers, unlike CGL, D&O, Tech E&O and Cyber. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: Homepage package contents as read on 2026-09-23..) | THREE presents Fiduciary Liability as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. [9](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 | Corgi's fiduciary product page does not name the issuing insurer. Corgi's disclaimers page says coverage on the platform is underwritten by carrier affiliates or third-party partners depending on the product, jurisdiction and risk, and that the specific carrier appears in the issued policy documents. [6](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") (Evidence: Company-reported; scope: Fiduciary product page and general Corgi underwriting disclosure; not specific confirmation of which entity underwrites fiduciary policies..) | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [8](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 | Confirm in your quote. | The reviewed product page does not state separate eligibility rules for Fiduciary Liability; the general quote and advisor route is not proof that a particular business qualifies for it. [9](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [7](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 | The standard policy (CORG-FL-0100) is claims-made and covers ERISA breach-of-fiduciary-duty claims such as excessive-fee litigation, plan administration errors and late deposit of employee contributions, but excludes settlor acts (plan design, amendment or termination decisions), ESOPs and multi-employer plans from the standard form. [6](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") (Evidence: Company-reported; scope: Fiduciary coverage table and scenario/policy notes; illustrative summary, not policy wording..)<br><br>Corgi says DOL investigations, IRS audits and HHS inquiries are not covered "Claims" under the standard fiduciary policy; only a resulting participant lawsuit is a covered claim, and investigation costs themselves are not covered. [6](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") (Evidence: Company-reported; scope: Fiduciary scenario note 3..) | THREE's Business Owners Policy page lists Fiduciary Liability 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. [9](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [8](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Official THREE package marketing for Fiduciary Liability. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy..) |
| Limits and Retentions | Corgi shows illustrative fiduciary limits of up to $1 million per claim and $2 million aggregate, with defense costs inside the limit and a $25,000 per-claim self-insured retention. [6](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") (Evidence: Company-reported; scope: Fiduciary coverage table, described as illustrative..) | The reviewed public product page does not state a separate limit or deductible for Fiduciary Liability; THREE says the quote-specific insurance summary lists limits and deductibles. [9](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [8](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 | The reviewed fiduciary page does not describe plan-compliance reviews or fiduciary-training services for policyholders beyond the optional HIPAA, ERISA civil-penalty and voluntary-compliance endorsements. [6](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") (Evidence: Not found in reviewed sources; scope: Fiduciary product page as read on 2026-09-23..) | Confirm in your quote. |
| How to Apply | You request a Fiduciary quote through Corgi's online "Get a Fiduciary quote" flow, the same self-serve path Corgi uses for its other startup lines. [6](https://www.corgi.insure/fiduciary-liability "Fiduciary Liability Insurance for Startups") (Evidence: Company-reported; scope: Fiduciary product page call to action..) | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. [7](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 Fiduciary Liability will be offered for a particular business or whether a customer can bind that line without an issued policy..) |

## Related Pages for Corgi vs THREE by Berkshire Hathaway

- [Corgi vs THREE by Berkshire Hathaway](https://spot.insure/compare/corgi-vs-three): all coverage lines, business roles, service and claims.
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability can protect your company and plan fiduciaries from covered claims about benefit-plan management; check who is insured and whether administration errors are included.
- [Corgi vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/corgi-vs-three/business-owners-policy)
- [Corgi vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-three/commercial-auto)
- [Corgi vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/corgi-vs-three/cyber)
- [Corgi vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/corgi-vs-three/directors-officers)
- [Corgi vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/corgi-vs-three/employment-practices)
- [Corgi vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/corgi-vs-three/general-liability)
- [Corgi vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/corgi-vs-three/liquor-liability)
- [Corgi vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-three/professional-errors-omissions)
- [Corgi vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-three/workers-compensation)
- [AIG vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-corgi/fiduciary)
- [AIG vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-three/fiduciary)
- [Alliance Risk vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/fiduciary)
- [Alliance Risk vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/fiduciary)
- [Aon vs Corgi Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-corgi/fiduciary)
- [Aon vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-three/fiduciary)

## Sources for Corgi vs THREE by Berkshire Hathaway

### Sources About Corgi

1. [Disclaimers & Licensing](https://www.corgi.insure/disclaimers). Corgi Insurance; About Corgi; How Insurance Is Provided Through Corgi (Underwriting); Specialty Insurance Carrier and Underwriting Disclosures. Accessed 2026-09-23.
2. [Corgi Insurance: Startup Insurance, Quoted in Minutes](https://www.corgi.insure). Corgi Insurance; Coverage Designed Around Your Startup's Journey: Fiduciary Liability listed only in the Growth Stage and Custom Package tiers. Accessed 2026-09-23.
3. [Corgi Insurance Launches Admitted Insurance Carrier](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html). PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
4. [NAIC Listing of Companies](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf). National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
5. [Insurance Topics: Risk Retention Groups](https://content.naic.org/insurance-topics/risk-retention-groups). National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15.
6. [Fiduciary Liability Insurance for Startups](https://www.corgi.insure/fiduciary-liability). Corgi Insurance; What's Actually Inside Your Fiduciary Policy (form CORG-FL-0100); Scenario notes; Policy notes; Available Add-ons; FAQ. Accessed 2026-09-23.

### Sources About THREE by Berkshire Hathaway

7. [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.
8. [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.
9. [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 Fiduciary Liability Insurance Guide

10. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16.
11. [Fiduciary Liability](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9). Travelers Casualty and Surety Company of America; II.D,J–L pp.2–3; II.A p.1; II.V p.5; Header p.1; II.M p.3; I p.1; III.A.6–8 pp.5–6; II.M.2 p.3; III.B.1 p.6. Accessed 2026-09-16.
12. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; What Is Fiduciary Liability Insurance?. 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.

## Corgi Review Scores for 2026

Review Score: not enough ratings.

The reviewed sources did not yield customer reviews; the inspected Trustpilot profiles showed none. Its Trustpilot page exists but shows no reviews or rating.



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

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