---
title: "Hiscox vs THREE by Berkshire Hathaway: Professional Liability (E&O) Insurance"
description: "Hiscox sells admitted E&O online with a named underwriter and 24/7 claims line; THREE places E&O within its combined BOP."
canonical: "https://spot.insure/compare/hiscox-vs-three/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "hiscox-vs-three"
provider-a: "hiscox"
provider-b: "three"
coverage-line: "professional-errors-omissions"
---

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

## Agent Guide

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

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

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

Hiscox sells admitted E&O online with a named underwriter and 24/7 claims line; THREE places E&O within its combined BOP.

## Research Scope and Use

Use this comparison to evaluate Hiscox 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

Hiscox offers standalone professional liability online and names Hiscox Insurance Company Inc. as underwriter for admitted Hiscox NOW policies. THREE lists E&O as a BOP category and uses an online quote with advisor assistance. [6](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") [9](https://threeinsurance.com/business-owners-policy "Business Owners Policy - 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 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

### Standalone Online Policy and Named Carrier

Hiscox sells professional liability directly online as a standalone small-business policy and names Hiscox Insurance Company Inc. as underwriter for admitted Hiscox NOW policies. THREE presents E&O as a category in its combined BOP, and its linked sample declarations name Berkshire Hathaway Direct Insurance Company as issuer. The buyer can identify the named carrier for either route, but should match the declarations to the exact product and state offered. [3](https://www.hiscox.com/about-hiscox-insurance "About Hiscox US Insurance") [4](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [8](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") [9](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Claims Reporting and Policy Trigger

Hiscox describes its E&O as claims-made and tells current customers its professional-liability claims line is open around the clock. THREE's public materials describe a BOP category and quote route but do not explain a separate E&O trigger or dedicated claims line in this offering record. Buyers with prior work should compare reporting dates and call routes on the proposed documents, not assume the BOP label supplies the same detail. [5](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq "What is Professional 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 to Confirm in Professional Liability (E&O) Insurance Quotes

- Confirm the proposed Hiscox policy is admitted in your state and has the expected limit and deductible; the public page does not publish standard amounts. [6](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") [4](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses")
- Ask THREE to confirm E&O is included and provide its trigger, limit, deductible and claims contact on the issued documents. [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 Hiscox's claims-made reporting condition and 24/7 phone route with the reporting deadline and contact on THREE's proposed form. [5](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq "What is Professional Liability Insurance?") [8](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

## Offering Details

| Criteria | Hiscox Professional Liability Insurance | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Hiscox Inc., a licensed insurance intermediary, sells professional liability (errors and omissions) coverage 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/professional-liability-insurance "Professional Liability Insurance for Small Businesses") (Evidence: Company-reported; scope: Company-stated online small-business channel..) | 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 | Hiscox's appetite guide and About Hiscox US page name Hiscox Insurance Company Inc. (NAIC 10200) as the underwriter of admitted Hiscox NOW professional-liability policies. [6](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 professional 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 professional liability is licensed for sale in 49 states and Washington, D.C., excluding Alaska, and that if it does not sell the product online in a buyer's state, a specialist broker may be able to help instead. [4](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [6](https://www.hiscox.com/documents/partner-agent/appetite_guide/Hiscox-NOW-Appetite-Guide.pdf "Hiscox US Agent Appetite Guide") (Evidence: Company-reported; scope: Company-stated jurisdiction for the online small-business catalogue; the appetite guide's technology classes (IT consultants, software development) illustrate typical buyers but do not guarantee acceptance for any one applicant..) | 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 | Hiscox describes professional liability as a claims-made policy, meaning a claim is covered only if it is made (and typically reported) while the policy is active, rather than an occurrence policy covering incidents regardless of when the claim surfaces. [5](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq "What is Professional Liability Insurance?") (Evidence: Company-reported; scope: Product FAQ description; exact triggers, retroactive dates, exclusions and wording are set by the issued policy..) | 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 professional-liability pages reviewed do not publish standard limit, retention or deductible amounts; specific figures are shown only on a quote. [4](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") [5](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq "What is Professional Liability Insurance?") (Evidence: Not publicly disclosed; scope: Public product and FAQ pages as previously reviewed..) | 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 | Hiscox says eligible buyers can quote and buy professional liability online, with licensed advisors available by phone during posted hours for questions during the process. [4](https://www.hiscox.com/small-business-insurance/professional-liability-insurance "Professional Liability Insurance for Small Businesses") (Evidence: Company-reported; scope: Company-described online application; 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 Errors and Omissions will be offered for a particular business or whether a customer can bind that line without an issued policy..) |
| Claims Support | A professional-liability FAQ tells current customers that the claims phone line is open 24 hours a day, 7 days a week, separate from the general claims-center hours listed elsewhere on the Hiscox site. [5](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq "What is Professional Liability Insurance?") (Evidence: Company-reported; scope: Company-described claims-reporting availability for this product's FAQ; 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 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.
- [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 General Liability Insurance](https://spot.insure/compare/hiscox-vs-three/general-liability)
- [Hiscox vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/hiscox-vs-three/workers-compensation)
- [AIG vs Hiscox Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-hiscox/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 Hiscox Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-hiscox/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 Hiscox Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-hiscox/professional-errors-omissions)
- [At-Bay vs Hiscox Professional Liability (E&O) Insurance](https://spot.insure/compare/at-bay-vs-hiscox/professional-errors-omissions)

## 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. [Professional Liability Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/professional-liability-insurance). Hiscox; Professional liability/E&O product; licensed in 49 states and Washington, D.C. (Alaska excluded); specialist-broker assistance if not licensed in a state; licensed-advisor hours. Accessed 2026-09-16.
5. [What is Professional Liability Insurance?](https://www.hiscox.com/small-business-insurance/professional-liability-insurance/pl-faq). Hiscox; Claims-made description; current-customer claim number described as open 24 hours a day, 7 days a week. Accessed 2026-09-16.
6. [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.; technology classes including IT consultants and software development. 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.

### 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.

## 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/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)