---
title: "Gallagher vs THREE by Berkshire Hathaway: Cyber Insurance"
description: "Gallagher describes first- and third-party cyber coverage for small businesses, while THREE lists cyber within its small-business package."
canonical: "https://spot.insure/compare/gallagher-vs-three/cyber"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "gallagher-vs-three"
provider-a: "gallagher"
provider-b: "three"
coverage-line: "cyber"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

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

## Agent Guide

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

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

# Gallagher vs THREE by Berkshire Hathaway: How Do They Compare for Cyber Insurance?

Gallagher describes first- and third-party cyber coverage for small businesses, while THREE lists cyber within its small-business package.

## How to Use the Gallagher vs THREE by Berkshire Hathaway Cyber Insurance Comparison

Use this comparison to evaluate Gallagher and THREE by Berkshire Hathaway for Cyber 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.

## Gallagher vs THREE by Berkshire Hathaway Cyber Insurance Summary

Gallagher names breach-notification and legal costs; THREE lists cyber liability without describing which cyber agreements its form includes. [6](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [9](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

## What Is Gallagher?

Gallagher’s technology specialists serve startups through global enterprises, while its executive-risk team supports IPO and M&A needs; small firms seeking one simple digital quote should compare online agencies. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [2](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [4](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [5](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## 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. [8](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [9](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 Cyber Insurance?

Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. [11](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance") [12](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf "CyberEdge specimen policy")

## What Are the Key Differences Between Gallagher and THREE by Berkshire Hathaway Cyber Insurance?

### Coverage and service detail

Gallagher divides cyber coverage between the business’s own breached systems and third-party claims alleging it failed to prevent a breach; its description includes notification, credit monitoring, legal fees, and regulatory fines. THREE lists cyber in its package but does not itemize covered costs. Ask THREE for its form and compare each proposal’s first- and third-party sections. [6](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Buying route and policy specifics

Gallagher names small businesses handling customer data or electronic payments and highlights retail, healthcare, finance, and home repair. THREE offers a small-business online quote with advisor assistance, but does not publish cyber-specific eligibility. The fit question is whether your industry qualifies and what insurer will issue the policy; neither Gallagher page names that carrier. [6](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") [8](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

## What Should You Confirm in Gallagher and THREE by Berkshire Hathaway Cyber Insurance Quotes?

- For Gallagher, identify the insurer, limits, and retention; treat its $60 million scenario as an example, not a policy limit. [7](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance")
- For THREE, confirm industry eligibility, policy issuer, and itemized cyber limits and deductibles. [9](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

## Gallagher vs THREE by Berkshire Hathaway Cyber Insurance Compared

| Criteria | Gallagher Cyber Liability Insurance | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Gallagher Small Business arranges cyber liability coverage with outside carriers for small businesses; Gallagher's group-level practice separately places cyber coverage with its own risk-consulting services for larger accounts. Gallagher does not underwrite either policy. [6](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") [7](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Small-business cyber product page and the group-level cyber liability page..) | THREE presents Cyber as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. [10](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 | Neither the small-business cyber page nor the group-level cyber liability page names the insurer that would issue a given client's policy. [6](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") [7](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance") (Evidence: Not publicly disclosed; scope: Checked both pages on 2026-09-23..) | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [9](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 | Gallagher recommends this coverage for small businesses that handle customer data or accept credit card or electronic-funds-transfer payments, and specifically names retail, healthcare, financial services and home-repair businesses as frequent attack targets. [6](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") (Evidence: Company-reported; scope: Small-business cyber product page "Who needs Cyber Liability Insurance" section; actual acceptance depends on underwriting..) | The reviewed product page does not state separate eligibility rules for Cyber; the general quote and advisor route is not proof that a particular business qualifies for it. [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [8](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 | Gallagher describes two components of cyber coverage: first-party coverage for when a business's own technology or data is breached, and third-party coverage for when a customer sues the business for failing to prevent a breach. It says the policy can cover customer notification, credit monitoring, legal fees and regulatory fines. [6](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") (Evidence: Company-reported; scope: Small-business cyber product page; a coverage description, not a specific policy's insuring agreement or exclusions..)<br><br>Gallagher's small-business team says cyber insurance rates are flat to down due to competitive market forces despite high-profile losses, and flags generative-AI-driven risks such as more convincing phishing, social-engineering and deepfake attacks as an emerging concern. [6](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") (Evidence: Company-reported; scope: Small-business cyber product page market-commentary section; a general market view, not a quote for any specific business..) | THREE's Business Owners Policy page lists Cyber 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. [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [9](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Official THREE package marketing for Cyber. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy..) |
| Limits and Retentions | Neither page publishes specific cyber coverage limits, retentions or premium ranges; the small-business page's $60 million claim example is an illustrative scenario, not a stated policy limit. [6](https://www.gallaghersmallbusiness.com/insurance-products/cyber/ "Cyber Liability Insurance: What is it? Who Needs It?") [7](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance") (Evidence: Not publicly disclosed; scope: Checked both pages on 2026-09-23..) | The reviewed public product page does not state a separate limit or deductible for Cyber; THREE says the quote-specific insurance summary lists limits and deductibles. [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [9](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 | For larger accounts, Gallagher's group-level cyber practice gives clients access to the Gallagher eRiskHub risk-management portal and a dedicated claims team that includes cyber forensic accountants; the small-business product page does not describe an equivalent service for that segment. [7](https://www.ajg.com/insurance/cyber-liability-insurance/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Group-level cyber liability page; not confirmed as included with the small-business product..) | 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. [8](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 Cyber will be offered for a particular business or whether a customer can bind that line without an issued policy..) |

## Related Pages for Gallagher vs THREE by Berkshire Hathaway Cyber

- [Gallagher vs THREE by Berkshire Hathaway](https://spot.insure/compare/gallagher-vs-three): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [Gallagher vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/gallagher-vs-three/business-owners-policy)
- [Gallagher vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/gallagher-vs-three/commercial-auto)
- [Gallagher vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-three/commercial-property)
- [Gallagher vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/gallagher-vs-three/directors-officers)
- [Gallagher vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/gallagher-vs-three/employment-practices)
- [Gallagher vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/gallagher-vs-three/fiduciary)
- [Gallagher vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/gallagher-vs-three/general-liability)
- [Gallagher vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/gallagher-vs-three/professional-errors-omissions)
- [Gallagher vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/gallagher-vs-three/workers-compensation)
- [AIG vs Gallagher Cyber Insurance](https://spot.insure/compare/aig-vs-gallagher/cyber)
- [AIG vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/aig-vs-three/cyber)
- [Alliance Risk vs Gallagher Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/cyber)
- [Alliance Risk vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-three/cyber)
- [Amelia Risk vs Gallagher Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-gallagher/cyber)
- [Amelia Risk vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-three/cyber)

## Sources for Gallagher vs THREE by Berkshire Hathaway Cyber Insurance

### Sources About Gallagher

1. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
2. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
3. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
4. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
5. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
6. [Cyber Liability Insurance: What is it? Who Needs It?](https://www.gallaghersmallbusiness.com/insurance-products/cyber/). Gallagher Small Business; What is Cyber Insurance?; Do you need cyber liability insurance?; Types of Cyber Liability Insurance (first-party and third-party); Who needs Cyber Liability Insurance; Cyber market trends; Consider this Cyber Liability Insurance claim example. Accessed 2026-09-23.
7. [Cyber Liability Insurance](https://www.ajg.com/insurance/cyber-liability-insurance/). Gallagher; Protect your business from cyber threats; We help you prevent, mitigate, manage and recover from a cybersecurity incident: Cyber exposure preparation, Insurance process preparation, Prevention and ongoing cyber risk management, Claims advocacy; Gallagher eRiskHub; dedicated claims team with cyber forensic accountants. Accessed 2026-09-23.

### Sources About THREE by Berkshire Hathaway

8. [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.
9. [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.
10. [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 Cyber Insurance Guide

11. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
12. [CyberEdge specimen policy](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf). AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. 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.

## Gallagher Review Scores for 2026

Review Score: 9.3 / 10 from 3 rated sources, equally weighted.

Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.

- J.D. Power: Broker satisfaction rank/score 2nd / 855 (Rank / 1,000-point score). 2017 US/Canada large-commercial broker study; participating organizations had at least $100m annual revenue or operating budget; not small-business-specific. Period: 2017 study. Checked 2026-09-25. [JD Power 2017 Large Commercial Insurance Study](https://www.jdpower.com/business/press-releases/jd-power-2017-large-commercial-insurance-study)
- Trustpilot: TrustScore 4.6 (5 stars); 8190 reviews. Global Arthur J. Gallagher & Co. brand profile; mixed countries and insurance lines, not US commercial-only. Period: 976 reviews in prior 12 months; observed 2026-09-25. Checked 2026-09-25. [Gallagher Reviews | Trustpilot](https://www.trustpilot.com/review/www.ajg.com)
- BBB: BBB grade A+ (BBB letter grade). BBB corporate headquarters profile for Gallagher, Rolling Meadows, Illinois. Checked 2026-09-25. [Gallagher | BBB Business Profile](https://www.bbb.org/us/il/rolling-meadows/profile/insurance-companies/gallagher-0654-23000270)

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