---
title: "Embroker vs THREE by Berkshire Hathaway: D&O Insurance"
description: "Embroker describes Side A, B, and C D&O agreements and exclusions, while THREE markets D&O as a category within its Business Owners Policy."
canonical: "https://spot.insure/compare/embroker-vs-three/directors-officers"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "embroker-vs-three"
provider-a: "embroker"
provider-b: "three"
coverage-line: "directors-officers"
---

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[Human-readable page](https://spot.insure/compare/embroker-vs-three/directors-officers)

## Agent Guide

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

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

# Embroker vs THREE by Berkshire Hathaway: How Do They Compare for D&O Insurance?

Embroker describes Side A, B, and C D&O agreements and exclusions, while THREE markets D&O as a category within its Business Owners Policy.

## How to Use the Embroker vs THREE by Berkshire Hathaway D&O Insurance Comparison

Use this comparison to evaluate Embroker and THREE by Berkshire Hathaway for D&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.

## Embroker vs THREE by Berkshire Hathaway D&O Insurance Summary

Embroker outlines Side A, B, and C D&O protection; THREE lists D&O as a category in its combined Business Owners Policy, subject to quote-specific terms. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") [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 Embroker?

Embroker suits technology firms seeking a single application for management coverage plus eligible Tech E&O and cyber, and law firms seeking a grouped package; buyers needing only standard small-business coverage should compare direct carriers. [1](https://www.embroker.com/ "Embroker") [2](https://www.embroker.com/terms/ "Terms And Conditions") [3](https://access.embroker.com/ "Embroker Access")

[Embroker profile](https://spot.insure/insurance-providers/embroker)

## 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 Directors and Officers Insurance?

D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. [8](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [9](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [10](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage")

## What Are the Key Differences Between Embroker and THREE by Berkshire Hathaway D&O Insurance?

### Embroker Explains Side A, B, and C Agreements

Embroker describes Side A for leaders when the company cannot indemnify them, Side B reimbursement when it does, and Side C protection for the entity when sued for financial mismanagement. THREE lists Directors & Officers among its marketed BOP categories, but that category alone does not establish inclusion or policy response for a particular buyer. A board comparing the structures should request Embroker's proposed form and ask THREE which D&O insuring agreements its quote includes. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Embroker Lists D&O Exclusions for Specific Allegations

Embroker says its policy excludes intra-company lawsuits, criminal or deliberately fraudulent activity, prior-knowledge claims, and claims against directors actively engaged in antitrust violations. THREE's BOP page markets D&O as a category; its claim scope says the category listing does not establish whether a specific quote responds to a loss. For a company concerned about these allegations, compare the proposed exclusions and ask whether the THREE quote includes D&O before comparing its wording. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

## What Should You Confirm in Embroker and THREE by Berkshire Hathaway D&O Insurance Quotes?

- For Embroker, check the proposed Side A/B/C grants and whether intra-company, prior-knowledge, fraud, or antitrust exclusions apply. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained")
- For THREE, verify D&O inclusion, its insuring agreements, and wording for the allegations relevant to the company's board. [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")

## Embroker vs THREE by Berkshire Hathaway D&O Insurance Compared

| Criteria | Embroker Directors and Officers Insurance | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Embroker sells D&O as a standalone policy and offers to package it with cyber and workers' compensation; it also says EPLI, D&O and related coverages are sometimes bundled into a management liability program. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") (Evidence: Company-reported; scope: Product-page description; not a statement about the issuing insurer..) | THREE presents Directors and Officers 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 | Embroker markets D&O to any private or public company with a board of directors, startups that have received or are about to receive venture capital funding, and nonprofit corporations, saying VC and private equity investors commonly require it before funding. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") (Evidence: Company-reported; scope: Product-page eligibility and 'Why Do Startups Need D&O Insurance?' sections; not a guarantee of coverage for a particular company..) | The reviewed product page does not state separate eligibility rules for Directors and Officers; 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 | Embroker lists coverage for misuse of company funds, misrepresentation of company assets, breach of fiduciary duty, failure to comply with workplace laws and lack of corporate governance. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") (Evidence: Company-reported; scope: Product-page What's covered section; the issued policy and declarations control..)<br><br>Embroker says the policy excludes lawsuits between members of the same company, criminal or deliberately fraudulent activity, prior-knowledge claims, and claims against directors actively engaged in antitrust violations. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") (Evidence: Company-reported; scope: Product-page What's not included section..)<br><br>Embroker structures its D&O policy with three insuring agreements: Side A covers individual directors and officers when the company cannot indemnify them, Side B reimburses the company for indemnifying its leaders, and Side C covers the company itself when it is sued for financial mismanagement. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") (Evidence: Company-reported; scope: Product-page 'What are Side A, B, and C insuring agreements?' section; specific policy structure, not a claim about every insurer's D&O form..) | THREE's Business Owners Policy page lists Directors & Officers 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 Directors and Officers. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy..) |
| Limits and Retentions | For its startup package, Embroker publishes illustrative D&O/EPLI/fiduciary limit and retention ranges by funding stage, from roughly $1-2 million in limits with a $10-25k retention for companies raising up to $10 million, up to $8-10 million in limits with a $25-75k retention for companies raising $100-250 million. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") (Evidence: Company-reported; scope: Product-page cost table for the Embroker Startup Package; actual limits, retentions and premiums depend on underwriting..) | The reviewed public product page does not state a separate limit or deductible for Directors and Officers; 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..) |
| How to Apply | Embroker offers an online quote for D&O coverage through its digital platform, describing underwriting factors including revenue, industry risk and claims history. [4](https://www.embroker.com/coverage/directors-officers-insurance/ "Directors & Officers Insurance Coverage: D&O Explained") (Evidence: Company-reported; scope: Product-page 'Quick quotes' feature and cost-factor list; no quote was requested during this research..) | 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 Directors and Officers will be offered for a particular business or whether a customer can bind that line without an issued policy..) |

## Related Pages for Embroker vs THREE by Berkshire Hathaway D&O

- [Embroker vs THREE by Berkshire Hathaway](https://spot.insure/compare/embroker-vs-three): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [Embroker vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/embroker-vs-three/business-owners-policy)
- [Embroker vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/embroker-vs-three/commercial-auto)
- [Embroker vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/embroker-vs-three/commercial-property)
- [Embroker vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/embroker-vs-three/cyber)
- [Embroker vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/embroker-vs-three/employment-practices)
- [Embroker vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/embroker-vs-three/fiduciary)
- [Embroker vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/embroker-vs-three/general-liability)
- [Embroker vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/embroker-vs-three/professional-errors-omissions)
- [Embroker vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/embroker-vs-three/workers-compensation)
- [AIG vs Embroker D&O Insurance](https://spot.insure/compare/aig-vs-embroker/directors-officers)
- [AIG vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/aig-vs-three/directors-officers)
- [Alliance Risk vs Embroker D&O Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/directors-officers)
- [Alliance Risk vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/alliance-risk-vs-three/directors-officers)
- [Amelia Risk vs Embroker D&O Insurance](https://spot.insure/compare/amelia-risk-vs-embroker/directors-officers)
- [Amelia Risk vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/amelia-risk-vs-three/directors-officers)

## Sources for Embroker vs THREE by Berkshire Hathaway D&O Insurance

### Sources About Embroker

1. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
2. [Terms And Conditions](https://www.embroker.com/terms/). Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
3. [Embroker Access](https://access.embroker.com/). Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
4. [Directors & Officers Insurance Coverage: D&O Explained](https://www.embroker.com/coverage/directors-officers-insurance/). Embroker; Why it's essential; Who needs this coverage; What is Directors and Officers (D&O) insurance?; What's covered; What's not included; What are Side A, B, and C insuring agreements?; What does Directors and Officers insurance cost?. 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 D&O Insurance Guide

8. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16.
9. [The Chubb Primary Directors & Officers and Entity Securities Liability Insurance](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf). Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16.
10. [Private Company Directors and Officers Liability Coverage](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95). Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. 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.

## Embroker Review Scores for 2026

Review Score: 5.6 / 10 from 3 rated sources, equally weighted.

Embroker’s reviews are mixed, and BBB records a complaint-response concern. The feedback is too limited to establish consistent service quality.

- Trustpilot: TrustScore 2.9 (5); 2 reviews. Trustpilot review search using provider brand/domain; identity checked against the canonical insurance entity. Period: current page aggregate accessed 2026-09-25. Checked 2026-09-25. [Embroker Reviews | Read Customer Service Reviews](https://www.trustpilot.com/review/embroker.com)
- BBB: BBB business grade D+ (BBB letter grade). BBB business profile for Embroker, categorized as Small Business Insurance. Grade is BBB letter grade, not customer-star aggregate; complaint record is a product-issues billing/cancellation concern. Period: current profile; grade rationale includes 1 unanswered complaint. Checked 2026-09-25. [Embroker | BBB Business Profile](https://www.bbb.org/us/ca/san-francisco/profile/small-business-insurance/embroker-1116-974895)
- Birdeye: Combined office rating (Google + Birdeye sources) 3.9 (5); 19 reviews. Office-level listing at 24 Shotwell St, San Francisco; business profile links to embroker.com and categorizes it as Insurance. Birdeye displays combined rating from 18 Google-origin reviews plus 2 Birdeye-origin reviews. This is one office listing, not a firmwide aggregate; review dates displayed are old (examples from about five/six years before access date). Period: page accessed 2026-09-25; 17 Google-origin + 2 Birdeye-origin; displayed sample comments dated about 5-6 years earlier. Checked 2026-09-25. [Embroker - 20 Reviews - Insurance in San Francisco, CA | Birdeye](https://reviews.birdeye.com/embroker-150058735264881)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/embroker/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/embroker-vs-three/directors-officers.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)