---
title: "Gallagher vs THREE by Berkshire Hathaway: Professional Liability (E&O) Insurance"
description: "Gallagher arranges E&O with partner carriers and describes claims involving past work and contractors; THREE lists E&O within its BOP."
canonical: "https://spot.insure/compare/gallagher-vs-three/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "gallagher-vs-three"
provider-a: "gallagher"
provider-b: "three"
coverage-line: "professional-errors-omissions"
---

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

## Agent Guide

**What this page is:** Focused comparison of Gallagher 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 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 Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, Gallagher or THREE by Berkshire Hathaway?
- What does Gallagher 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 Gallagher or THREE by Berkshire Hathaway?

**Key facts:**
- Line: Professional Liability (E&O) 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
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — 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 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 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 Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-gallagher/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 Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/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 Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-gallagher/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [At-Bay vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-gallagher/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)

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

Gallagher arranges E&O with partner carriers and describes claims involving past work and contractors; THREE lists E&O within its BOP.

## Research Scope and Use

Use this comparison to evaluate Gallagher 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

Gallagher Small Business brokers E&O with partner carriers and describes coverage for alleged negligence, copyright infringement, past work and independent contractors. THREE lists E&O in its Business Owners Policy but leaves separate limits and deductibles to the quote summary. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") [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 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. [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 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. [10](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [11](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [12](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [13](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

### Brokered E&O or Combined BOP

Gallagher Small Business arranges E&O with partner carriers and directs prospective buyers to an online quote form, advisor line or callback. THREE presents E&O as a category within its combined Business Owners Policy and directs buyers to an online quote or a Small Business Advisor. Both offer a guided path, but the policy structure differs: ask Gallagher which partner will issue a separate E&O placement and ask THREE to verify E&O is included in the BOP proposal. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") [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")

### Claims Gallagher Names and Figures to Obtain

Gallagher describes E&O claims involving negligence, personal injury, copyright infringement, punitive damages, past work and temporary staff or independent contractors. THREE's reviewed materials list the E&O category but do not state a separate limit or deductible; those amounts appear in the quote summary. A buyer should compare the detailed forms against contractor and prior-work exposures, then line up the limit and deductible in each proposal. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") [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 to Confirm in Professional Liability (E&O) Insurance Quotes

- Ask Gallagher which partner carrier is proposed and provide its actual limit, deductible and premium; its public page publishes no figures. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance")
- Ask THREE to show E&O as included and identify its separate limit and deductible in the quote summary. [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")
- Compare the treatment of past work and temporary or independent contractors in the issued forms; Gallagher describes these exposures while THREE's sample may not match every policy. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") [8](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

## Offering Details

| Criteria | Gallagher Small Business Errors and Omissions Insurance | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Gallagher Small Business arranges errors and omissions (E&O) coverage with partner carriers rather than underwriting the policy itself. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Gallagher Small Business's direct-to-small-business E&O product page..) | 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. [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 | The E&O product page does not name the insurer that would issue a given business's policy. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Not publicly disclosed; scope: Checked the E&O product page on 2026-09-23..) | 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 | Gallagher recommends E&O for small businesses that provide a specific professional service, naming technology, insurance, accounting, tax, wealth management and legal services, and lists doctors, lawyers, accountants, nurses, caregivers, counselors, social workers and engineers as example professionals; it also notes that many client contracts require carrying E&O. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Product page eligibility and recommended-professions lists; actual acceptance depends on underwriting..) | 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. [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 | Gallagher describes E&O as protecting against client charges of negligence or injury tied to professional services, covering losses, attorney fees and court costs regardless of fault, and specifically responding to alleged or actual negligence, personal injury, copyright infringement, punitive damages, and claims against past work, temporary staff or independent contractors. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Product page coverage description; the issued policy and its exclusions control. Note this record excludes medical malpractice, which the page treats as a separate specialized coverage covered under its own line..)<br><br>Gallagher's small-business team says the E&O market has seen consistent rate increases that have started to moderate, driven by higher claim frequency, litigation costs and a more litigious environment, and that insurers are more selective and require more detailed underwriting information. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Product page market-commentary section; a general market view, not a quote for any specific business..) | 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. [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 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 | The E&O product page does not publish limits, deductibles or premiums; it directs prospective buyers to request a quote instead. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Not publicly disclosed; scope: Checked the E&O product page on 2026-09-23..) | 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. [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..) |
| How to Apply | Gallagher offers an online quote form, a small business advisor phone line (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start an E&O quote. [6](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/ "Errors and Omissions Insurance") (Evidence: Company-reported; scope: Product page "Get Covered Now" section..) | 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 Errors and Omissions will be offered for a particular business or whether a customer can bind that line without an issued policy..) |

## Full Comparison

- [Gallagher vs THREE by Berkshire Hathaway](https://spot.insure/compare/gallagher-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.
- [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 General Liability Insurance](https://spot.insure/compare/gallagher-vs-three/general-liability)
- [Gallagher vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/gallagher-vs-three/workers-compensation)
- [AIG vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-gallagher/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 Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/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 Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-gallagher/professional-errors-omissions)
- [At-Bay vs Gallagher Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-gallagher/professional-errors-omissions)

## Sources

### 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. [Errors and Omissions Insurance](https://www.gallaghersmallbusiness.com/insurance-products/professional-liability-eo/). Gallagher Small Business; What is Errors and Omissions Insurance?; Do you need Errors and Omissions insurance?; Recommended for professionals including; E&O trends; An E&O policy protects you from; Consider this claim scenario; Get Covered Now. Accessed 2026-09-23.

### 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.

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

10. [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.
11. [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.
12. [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.
13. [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.

## Gallagher Reviews

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 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/gallagher-vs-three/professional-errors-omissions.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)