---
title: "Hiscox vs THREE by Berkshire Hathaway: General Liability Insurance"
description: "Hiscox offers direct online general-liability applications in 49 states and D.C.; THREE lists the line as part of its combined business policy."
canonical: "https://spot.insure/compare/hiscox-vs-three/general-liability"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "hiscox-vs-three"
provider-a: "hiscox"
provider-b: "three"
coverage-line: "general-liability"
---

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/hiscox-vs-three/general-liability)

## Agent Guide

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

**Key facts:**
- Line: General Liability Insurance. Providers: Hiscox 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:**
- [Hiscox vs THREE by Berkshire Hathaway](https://spot.insure/compare/hiscox-vs-three) — parent: all coverage lines for this pair
- [General Liability Insurance guide](https://spot.insure/coverage/general-liability) — coverage explainer for this line
- [Hiscox profile](https://spot.insure/insurance-providers/hiscox) — provider profile (evidence)
- [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence)
- [Hiscox vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/hiscox-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Hiscox vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/hiscox-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Hiscox vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/hiscox-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Hiscox General Liability Insurance](https://spot.insure/compare/aig-vs-hiscox/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/aig-vs-three/general-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Hiscox General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hiscox/general-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/general-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Hiscox General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hiscox/general-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-three/general-liability) — sibling comparison (other line, or other pair for this line)

# Hiscox vs THREE by Berkshire Hathaway: How Do They Compare for General Liability Insurance?

Hiscox offers direct online general-liability applications in 49 states and D.C.; THREE lists the line as part of its combined business policy.

## Research Scope and Use

Use this comparison to evaluate Hiscox and THREE by Berkshire Hathaway for General 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.

## Summary

Hiscox describes direct online purchasing, electronic-data coverage for IT and technology professions, and 24/7 online claims reporting. THREE lists general liability in its package. [4](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability 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 Hiscox?

Hiscox suits eligible small businesses that want online GL, professional liability, cyber or BOP quotes; businesses needing other specialty products should compare brokers. Core Hiscox NOW policies are usually issued by its own insurer, while some products use partners. [1](https://www.hiscox.com/terms-of-use "Website Terms & Conditions of Use") [2](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business "Get A Small Business Insurance Quote") [3](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance")

[Hiscox profile](https://spot.insure/insurance-providers/hiscox)

## 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 General Liability Insurance?

General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. [10](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [12](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form")

## Key Differences in General Liability Insurance

### Direct Application and State Availability

Hiscox says eligible buyers can apply for general liability online in 49 states and the District of Columbia; Alaska is not available online, and buyers in certain states are directed to a specialist broker. THREE directs small businesses to an online quote and says licensed advisors can help. Confirm both availability and the final application route for your state before comparing timing. [4](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [7](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

### Technology Data and Package Listing

Hiscox says its general-liability product adds an electronic-data-liability provision for IT and technology professions. THREE lists general liability within its combined Business Owners Policy, but its reviewed product description does not mention a comparable technology-data feature. Technology firms should ask whether electronic data losses are included, limited or excluded in each quoted form and whether separate technology coverage is needed. [4](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [9](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Claims Access and Issuer

Hiscox says policyholders can report claims online around the clock and that a specialized claims professional validates reported coverage; its admitted NOW general-liability policies name Hiscox Insurance Company Inc. as underwriter. THREE's sample declarations name Berkshire Hathaway Direct Insurance Company, while its broader line page does not describe claim reporting. Compare the issuer and reporting instructions in the issued documents, not just the package label. [4](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [5](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [8](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

## What to Confirm in General Liability Insurance Quotes

- Ask Hiscox about state availability, online eligibility, data liability limits and the named insurer; ask THREE to identify its insurer and any electronic-data provision. [4](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [5](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [8](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")
- Request claim reporting contacts and compare limits, exclusions and technology-related wording in both forms. [4](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [9](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

## Offering Details

| Criteria | Hiscox General Liability Insurance | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Hiscox Inc., a Delaware-based licensed insurance intermediary, sells general liability directly online to small businesses as part of its Hiscox NOW admitted small-business catalogue. [3](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [4](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") (Evidence: Company-reported; scope: Company-stated online small-business channel; broker-only sections of the Hiscox site are a separate, licensed-professional path not covered here..) | THREE presents General Liability as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. [9](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Company-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant..) |
| Issuing Insurer | Hiscox's appetite guide and About Hiscox US page name Hiscox Insurance Company Inc. (NAIC 10200), a Chicago-based insurer, as the underwriter of admitted Hiscox NOW general liability policies. [5](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [3](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") (Evidence: Company-reported; scope: Admitted small-business general liability as described in company materials; the exact contracting entity for a particular state or channel should be confirmed on the quote..) | 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 | Hiscox says it is currently licensed to sell general liability online in 49 states and the District of Columbia, with coverage unavailable in Alaska; it directs buyers in states where it does not sell online to a specialist broker instead. [4](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") (Evidence: Company-reported; scope: Company-stated jurisdiction for the online small-business catalogue; specific class or industry eligibility still depends on underwriting..) | The reviewed product page does not state separate eligibility rules for General Liability; the general quote and advisor route is not proof that a particular business qualifies for it. [9](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [7](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms..) |
| Coverage Features | Hiscox's general-liability product page adds an electronic-data-liability provision for IT and technology professions on top of its standard general-liability coverage. [4](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") (Evidence: Company-reported; scope: Product-page description; specific wording, limits and exclusions are set by the issued policy and declarations..) | THREE's Business Owners Policy page lists General Liability among its marketed coverage categories in the combined policy. This describes the product page, not whether the category appears in a particular quote or responds to a loss. [9](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [8](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Official THREE package marketing for General 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 | The general-liability page does not publish a standard limit amount; example California consultant pricing shown on the page is explicitly labeled illustrative rather than a quote. [4](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") (Evidence: Not publicly disclosed; scope: Public product page as previously reviewed; actual limits, retentions and pricing are quote-specific..) | The reviewed public product page does not state a separate limit or deductible for General Liability; THREE says the quote-specific insurance summary lists limits and deductibles. [9](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [8](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible..) |
| How to Apply | Hiscox says eligible buyers can apply for general liability online, with the policy issued by email and a certificate of insurance included in the welcome documents once the application is complete; buyers can also pay annually or monthly with no additional fees. [4](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") (Evidence: Company-reported; scope: Company-described online application and billing options; eligibility and binding conditions require confirmation on the actual application..) | 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 General Liability will be offered for a particular business or whether a customer can bind that line without an issued policy..) |
| Claims Support | Hiscox says general-liability policyholders can report a claim online 24/7, and describes assigning a specialized claims professional to validate coverage on reported claims. [4](https://www.hiscox.com/small-business-insurance/general-liability-insurance "General Liability Insurance") [6](https://www.hiscox.com/manage-your-policy/claims-center "Start a Business Insurance Claim Online, by Phone or Mail") (Evidence: Company-reported; scope: Company-described claims process; does not establish claim outcomes or turnaround time..) | Confirm in your quote. |

## Full Comparison

- [Hiscox vs THREE by Berkshire Hathaway](https://spot.insure/compare/hiscox-vs-three): all coverage lines, business roles, service and claims.
- [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability can protect your business from covered injury and property-damage claims; your building, tools and stock need separate property coverage.
- [Hiscox vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/hiscox-vs-three/business-owners-policy)
- [Hiscox vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/hiscox-vs-three/professional-errors-omissions)
- [Hiscox vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/hiscox-vs-three/workers-compensation)
- [AIG vs Hiscox General Liability Insurance](https://spot.insure/compare/aig-vs-hiscox/general-liability)
- [AIG vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/aig-vs-three/general-liability)
- [Alliance Risk vs Hiscox General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hiscox/general-liability)
- [Alliance Risk vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/general-liability)
- [Amelia Risk vs Hiscox General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hiscox/general-liability)
- [Amelia Risk vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-three/general-liability)

## Sources

### Hiscox

1. [Website Terms & Conditions of Use](https://www.hiscox.com/terms-of-use). Hiscox; Last modified May 28, 2024; Hiscox Inc. as Delaware corporation headquartered in Atlanta, d/b/a Hiscox Insurance Agency in CA, licensed intermediary for admitted and surplus-lines business with Hiscox Insurance Company Inc., other domestic insurers, and Lloyd’s syndicates; small-business online path distinguished from broker-only site sections. Accessed 2026-09-16.
2. [Get A Small Business Insurance Quote](https://www.hiscox.com/small-business-insurance/get-a-quote-for-your-small-business). Hiscox; States that Hiscox offers general liability, professional liability, cyber security and business owner’s policies online; zip-code quote field; licensed-agent hours Monday–Friday 7 a.m.–10 p.m. ET and Saturday–Sunday 8 a.m.–5 p.m. ET. Accessed 2026-09-16.
3. [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance). Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
4. [General Liability Insurance](https://www.hiscox.com/small-business-insurance/general-liability-insurance). Hiscox; Online quote; 49-state and D.C. availability with Alaska excluded; broker-referral if not sold online; payment annually or monthly with no additional fees; online 24/7 claim reporting; policy issued via email and certificate in welcome documents; electronic data liability for IT professions; coverage subject to underwriting. Accessed 2026-09-16.
5. [Hiscox US Agent Appetite Guide](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf). Hiscox; Hiscox NOW admitted GL, PL, cyber and BOP underwritten by Hiscox Insurance Company Inc.; footer underwriting disclosure. Accessed 2026-09-16.
6. [Start a Business Insurance Claim Online, by Phone or Mail](https://www.hiscox.com/manage-your-policy/claims-center). Hiscox; Online claim filing; specialized claims professional assignment; coverage validation. Accessed 2026-09-16.

### 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.

### General Liability Insurance Guide

10. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated?. Accessed 2026-09-16.
12. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. 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.

## Hiscox Reviews

Review Score: 6.3 / 10 from 4 rated sources, equally weighted.

Hiscox’s review results are sharply divided: low Trustpilot and ConsumerAffairs scores contrast with strong Feefo feedback. Service quality deserves closer scrutiny before purchase.

- Trustpilot: TrustScore 1.4 (5 stars); 958 reviews. Global Hiscox brand profile, varied geography and products; not limited to US commercial policies. Period: 21 in prior 12 months as displayed. Checked 2026-09-25. [Hiscox Reviews | Trustpilot](https://www.trustpilot.com/review/www.hiscox.com)
- ConsumerAffairs: Consumer rating 1.5 (5 stars); 20 reviews. ConsumerAffairs page specific to Hiscox small-business insurance; updated 2026-08-14. Period: Updated 2026-08-14. Checked 2026-09-25. [Hiscox Small Business Insurance Reviews & Complaints](https://www.consumeraffairs.com/insurance/hiscox-small-business-insurance.html)
- BBB: BBB grade A+ (BBB letter grade). BBB profile for Hiscox Insurance Company, Inc. in Chicago; this legal insurer is in the canonical Hiscox provider record. Checked 2026-09-25. [Hiscox Insurance Company, Inc | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-companies/hiscox-insurance-company-inc-0654-88714362)
- Feefo (linked from Hiscox small-business site): Service score 4.7 (5 stars); 1563 reviews. Feefo service-feedback page identified for Hiscox US small-business insurance; past-year filter. Period: Past year as displayed. Checked 2026-09-25. [Hiscox Reviews | Feefo](https://www.feefo.com/en-US/reviews/hiscox?displayFeedbackType=BOTH&page=1&timeFrame=YEAR)

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