--- title: "Heffernan Insurance Brokers vs THREE by Berkshire Hathaway: Fiduciary Liability Insurance" description: "Heffernan places fiduciary coverage through business and family-office practices with risk assessments; THREE lists it in its BOP." canonical: "https://spot.insure/compare/heffernan-vs-three/fiduciary" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "heffernan-vs-three" provider-a: "heffernan" provider-b: "three" coverage-line: "fiduciary" --- 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/heffernan-vs-three/fiduciary) ## Agent Guide **What this page is:** Focused comparison of Heffernan Insurance Brokers 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 Heffernan Insurance Brokers 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:** - Heffernan Insurance Brokers vs THREE by Berkshire Hathaway for Fiduciary Liability Insurance: how do they differ? - Which is better for Fiduciary Liability Insurance, Heffernan Insurance Brokers or THREE by Berkshire Hathaway? - What does Heffernan Insurance Brokers 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 Heffernan Insurance Brokers or THREE by Berkshire Hathaway? **Key facts:** - Line: Fiduciary Liability Insurance. Providers: Heffernan Insurance Brokers 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:** - [Heffernan Insurance Brokers vs THREE by Berkshire Hathaway](https://spot.insure/compare/heffernan-vs-three) — parent: all coverage lines for this pair - [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — coverage explainer for this line - [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) — provider profile (evidence) - [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence) - [Heffernan Insurance Brokers vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/heffernan-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/heffernan-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/heffernan-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/heffernan-vs-three/cyber) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/heffernan-vs-three/employment-practices) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/heffernan-vs-three/general-liability) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Heffernan Insurance Brokers vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/heffernan-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-heffernan/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 Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/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 Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-heffernan/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) # Heffernan Insurance Brokers vs THREE by Berkshire Hathaway: How Do They Compare for Fiduciary Liability Insurance? Heffernan places fiduciary coverage through business and family-office practices with risk assessments; THREE lists it in its BOP. ## How to Use the Heffernan Insurance Brokers vs THREE by Berkshire Hathaway Fiduciary Liability Insurance Comparison Use this comparison to evaluate Heffernan Insurance Brokers 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. ## Heffernan Insurance Brokers vs THREE by Berkshire Hathaway Fiduciary Liability Insurance Summary Heffernan places fiduciary coverage for general business and family-office clients and describes a risk-management assessment; THREE lists Fiduciary Liability within its BOP. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/family-office/ "Family Office") [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 Heffernan Insurance Brokers? Heffernan’s technology practice targets mid- and late-stage, venture-funded and pre-IPO companies; early-stage firms seeking a direct online quote should compare digital providers. It also offers claims consulting and workers’ compensation support. [1](https://www.heffins.com/about-us/our-story/ "Our Story") [2](https://www.heffins.com/business-insurance/technology/ "Technology Company Insurance") [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [Heffernan Insurance Brokers profile](https://spot.insure/insurance-providers/heffernan) ## 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 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. [8](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") [9](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9 "Fiduciary Liability") [10](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") ## What Are the Key Differences Between Heffernan Insurance Brokers and THREE by Berkshire Hathaway Fiduciary Liability Insurance? ### Business Brokerage and Family-Office Practice Heffernan lists fiduciary liability in its general business-insurance program and in a family-office practice serving trusts, trustees, financial advisers, private-equity firms, foundations, and financial institutions. The company says it places the coverage with insurers rather than underwriting it. THREE lists the line in its combined BOP. A plan sponsor can compare Heffernan’s broker placement across those client practices with fiduciary coverage scheduled alongside other lines in a THREE package. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/family-office/ "Family Office") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ### Risk Assessment and Plan-Level Questions Heffernan’s family-office practice describes an assessment that inventories structures, assets, and exposures, develops strategies for gaps, and helps clients navigate claims. THREE’s product listing identifies fiduciary liability as a category but does not set out terms for a particular plan. A buyer with multiple entities or benefit arrangements can ask Heffernan how the assessment treats each exposure and ask THREE which plan and sponsoring entities appear on the quoted policy. [4](https://www.heffins.com/family-office/ "Family Office") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ## What Should You Confirm in Heffernan Insurance Brokers and THREE by Berkshire Hathaway Fiduciary Liability Insurance Quotes? - Ask Heffernan which practice team will handle placement, which carriers are approached, and what claims-navigation help is part of the engagement. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/family-office/ "Family Office") - Ask THREE to identify covered plans and entities, the issuing insurer, and the fiduciary limit in the BOP proposal. [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") ## Heffernan Insurance Brokers vs THREE by Berkshire Hathaway Fiduciary Liability Compared | Criteria | Heffernan Fiduciary Liability Insurance | THREE Business Owners Policy | | --- | --- | --- | | Role in This Line | Heffernan places fiduciary liability coverage within its general corporate/executive-protection lineup and again within a dedicated family-office and financial-institution practice. It shops and places the coverage with insurers rather than underwriting it. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Business Insurance and Family Office page listings; no dedicated fiduciary-liability product page was found..) | 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. [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 | The reviewed pages do not name the insurer or insurers that issue fiduciary liability policies Heffernan places for either business clients or family offices. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/family-office/ "Family Office") (Evidence: Not publicly disclosed; scope: Business Insurance and Family Office pages as read on 2026-09-23..) | 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 | Heffernan offers fiduciary liability to two named segments: general business clients through its business-insurance brokerage, and family offices, trust companies, trustees, financial advisors, private equity firms, foundations, and other financial institutions through its family-office practice. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Direct practice-page listings; no minimum size or asset-under-management threshold was published for the coverage specifically..) | 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. [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 | On the family-office page, fiduciary liability insurance is listed alongside directors and officers, professional liability, employment practices liability, trustee liability, and other management-liability-adjacent lines as coverage the practice can arrange, without describing the policy's insuring agreement or exclusions. [4](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Family Office page as read on 2026-09-23..) | 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. [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 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 | Neither page publishes a fiduciary-liability limit, retention, or premium range. [3](https://www.heffins.com/business-insurance/ "Heffernan Business Insurance Brokerage") [4](https://www.heffins.com/family-office/ "Family Office") (Evidence: Not found in reviewed sources; scope: Business Insurance and Family Office pages as read on 2026-09-23..) | 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. [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible..) | | Risk Services | Heffernan's family-office practice describes a Risk Management Assessment: itemizing a client's structures, assets, and exposures; crafting insurance and risk-management strategies to close coverage gaps; and helping navigate claims, for its fiduciary and financial-institution client base. [4](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Family Office page as read on 2026-09-23; a company-described service, not a measured outcome..) | Confirm in your quote. | | How to Apply | The family-office practice's fiduciary-liability coverage is reached through a named Private Client Group specialist contact rather than a self-service online quote flow. [4](https://www.heffins.com/family-office/ "Family Office") (Evidence: Company-reported; scope: Family Office page as read on 2026-09-23; the general business-insurance page's fiduciary listing routes through Heffernan's general Contact Us form instead..) | 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 Fiduciary Liability will be offered for a particular business or whether a customer can bind that line without an issued policy..) | ## Related Pages for Heffernan Insurance Brokers vs THREE by Berkshire Hathaway - [Heffernan Insurance Brokers vs THREE by Berkshire Hathaway](https://spot.insure/compare/heffernan-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. - [Heffernan Insurance Brokers vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/heffernan-vs-three/business-owners-policy) - [Heffernan Insurance Brokers vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/heffernan-vs-three/commercial-auto) - [Heffernan Insurance Brokers vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/heffernan-vs-three/commercial-property) - [Heffernan Insurance Brokers vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/heffernan-vs-three/cyber) - [Heffernan Insurance Brokers vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/heffernan-vs-three/employment-practices) - [Heffernan Insurance Brokers vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/heffernan-vs-three/general-liability) - [Heffernan Insurance Brokers vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/heffernan-vs-three/professional-errors-omissions) - [Heffernan Insurance Brokers vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/heffernan-vs-three/workers-compensation) - [AIG vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-heffernan/fiduciary) - [AIG vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-three/fiduciary) - [Alliance Risk vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-heffernan/fiduciary) - [Alliance Risk vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/fiduciary) - [Aon vs Heffernan Insurance Brokers Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-heffernan/fiduciary) - [Aon vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-three/fiduciary) ## Sources for Heffernan Insurance Brokers vs THREE by Berkshire Hathaway ### Sources About Heffernan Insurance Brokers 1. [Our Story](https://www.heffins.com/about-us/our-story/). Heffernan Insurance Brokers; Headquartered in Walnut Creek; nationwide presence; founded 1988; employee owned; niche practices including technology. Accessed 2026-09-16. 2. [Technology Company Insurance](https://www.heffins.com/business-insurance/technology/). Heffernan Insurance Brokers; Pre-IPO and venture-funded heading; mid to late stage specialization; global expansion copy; self-insurance strategies; Key Markets list; Why Heffernan broker history; Joseph Talmadge practice leader; FAQ. Accessed 2026-09-16. 3. [Heffernan Business Insurance Brokerage](https://www.heffins.com/business-insurance/). Heffernan Insurance Brokers; Corporate and executive protection, such as employment practices liability, directors and officers liability, fiduciary responsibility, cyber liability, and kidnap and ransom are also available through our comprehensive business insurance programs.. Accessed 2026-09-23. 4. [Family Office](https://www.heffins.com/family-office/). Heffernan Insurance Brokers; We serve: Family offices, Trust companies, Individual and professional trustees, Financial advisors/CPAs/attorneys, Private equity firms, Foundations, Financial institutions; Coverage for Family Offices, Trustees & Financial Firms: ... Fiduciary liability insurance ...; Risk Management Assessment section; contact Lacey Garrison. 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 Fiduciary Liability Insurance Guide 8. [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. 9. [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. 10. [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. ## Heffernan Insurance Brokers Review Scores for 2026 Review Score: 5.2 / 10 from 1 rated source, equally weighted. Heffernan’s available review sample is small and local, with a low Google rating for one office. Check the team that would actually serve your business. - Google reviews (aggregated by Birdeye): Google local listing rating (displayed by Birdeye) 2.6 (5 stars); 5 reviews. Portland office listing at 5100 S Macadam Avenue, matching the official Heffernan locations directory; Birdeye identifies the original review platform as Google. Checked 2026-09-25. [Heffernan Insurance Brokers - Portland reviews](https://reviews.birdeye.com/heffernan-insurance-brokers-144140015138058) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/heffernan/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/heffernan-vs-three/fiduciary.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)