---
title: "HUB International vs THREE by Berkshire Hathaway: Commercial Auto Insurance"
description: "HUB lists long-haul, hired-auto, and fleet-risk options for commercial vehicles, while THREE markets Business Auto within its combined BOP."
canonical: "https://spot.insure/compare/hub-international-vs-three/commercial-auto"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "hub-international-vs-three"
provider-a: "hub-international"
provider-b: "three"
coverage-line: "commercial-auto"
---

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[Human-readable page](https://spot.insure/compare/hub-international-vs-three/commercial-auto)

## Agent Guide

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

**Key facts:**
- Line: Commercial Auto Insurance. Providers: HUB International 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:**
- [HUB International vs THREE by Berkshire Hathaway](https://spot.insure/compare/hub-international-vs-three) — parent: all coverage lines for this pair
- [Commercial Auto Insurance guide](https://spot.insure/coverage/commercial-auto) — coverage explainer for this line
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile (evidence)
- [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence)
- [HUB International vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [HUB International vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line)
- [HUB International vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/hub-international-vs-three/general-liability) — sibling comparison (other line, or other pair for this line)
- [HUB International vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line)
- [HUB International vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [HUB International vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs HUB International Commercial Auto Insurance](https://spot.insure/compare/aig-vs-hub-international/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/aig-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs HUB International Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Aon vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/aon-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs HUB International Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-hub-international/commercial-auto) — sibling comparison (other line, or other pair for this line)

# HUB International vs THREE by Berkshire Hathaway: How Do They Compare for Commercial Auto Insurance?

HUB lists long-haul, hired-auto, and fleet-risk options for commercial vehicles, while THREE markets Business Auto within its combined BOP.

## Research Scope and Use

Use this comparison to evaluate HUB International and THREE by Berkshire Hathaway for Commercial Auto 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

HUB brokers auto for fleets and transportation businesses and lists long- and short-haul, hired and non-owned auto, towing, and lease-gap options. THREE lists Business Auto in its combined policy, with terms set by quote. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [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 HUB International?

HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. [1](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## 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 Commercial Auto Insurance?

Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://content.naic.org/insurance-topics/auto-insurance "Auto Insurance") [10](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/business-vehicle-insurance "Business Vehicle Insurance") [11](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form")

## Key Differences in Commercial Auto Insurance

### Fleet options and vehicle use

HUB brokers commercial auto for fleets and transportation companies and lists long- and short-haul transportation, hired and non-owned auto, uninsured or underinsured motorist protection, medical payments, towing, and lease-gap coverage. It also names bodily-injury and property-damage protection. THREE lists Business Auto among its combined BOP categories but does not publish comparable fleet options. A fleet buyer should ask whether towing, lease-gap, and employee-use protections appear in the quote rather than assume the broad Business Auto label includes them. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Risk management and quote access

HUB says it uses analytics to benchmark programs and offers fleet-risk and workplace-safety services, but directs prospects to a broker instead of an online quote. THREE offers online quoting with licensed advisor assistance. If you want program analysis or safety support, ask HUB what is included; if you prefer an online start, ask THREE to show limits and service contacts. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

## What to Confirm in Commercial Auto Insurance Quotes

- Ask HUB which transportation options and fleet services apply to your vehicles and routes. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage")
- Ask THREE whether Business Auto is standalone or limited to its package and what limits apply. [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")
- Compare available risk-management support after binding. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

## Offering Details

| Criteria | HUB International Commercial Auto Insurance Brokerage | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | HUB brokers commercial auto insurance for fleets and transportation businesses rather than underwriting the policy itself. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Commercial auto product page as read 2026-09-23; the page does not name an issuing insurer..) | THREE presents Business Auto 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 commercial auto product page does not name an issuing insurer; HUB places commercial auto business with insurers that vary by client and placement. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Not found in reviewed sources; scope: Checked the commercial auto product page on 2026-09-23; no carrier is disclosed there..) | 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 | HUB positions this line for businesses operating commercial auto fleets and transportation-industry providers. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page description; not a published underwriting appetite by fleet size or vehicle class..) | The reviewed product page does not state separate eligibility rules for Business Auto; 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 | HUB lists commercial auto coverage options including long- and short-haul transportation, hired and non-owned auto exposures, uninsured/underinsured motorist protection, medical payments, towing and lease gap coverage, alongside property damage and bodily injury protection. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page coverage list; the issued policy and its exclusions control an actual claim..) | THREE's Business Owners Policy page lists Business Auto 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 Business Auto. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy..) |
| Limits and Retentions | Confirm in your quote. | The reviewed public product page does not state a separate limit or deductible for Business Auto; 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 | HUB says it applies complex risk and analytics tools to benchmark programs and reduce total cost of risk, and cross-promotes Fleet Risk Management and Workplace Safety Management as complementary services for commercial auto clients. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page service description; a company-reported capability, not an independently assessed outcome..) | Confirm in your quote. |
| How to Apply | HUB directs prospects to contact a HUB broker to get started; no online quote or bind flow is described on the page. [4](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") (Evidence: Company-reported; scope: Product-page call to action as read 2026-09-23..) | 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 Business Auto will be offered for a particular business or whether a customer can bind that line without an issued policy..) |

## Full Comparison

- [HUB International vs THREE by Berkshire Hathaway](https://spot.insure/compare/hub-international-vs-three): all coverage lines, business roles, service and claims.
- [What Is Commercial Auto Insurance?](https://spot.insure/coverage/commercial-auto): Commercial auto covers liability from vehicles used for work, with vehicle damage and employee personal or rented cars requiring separate quote checks.
- [HUB International vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/hub-international-vs-three/business-owners-policy)
- [HUB International vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-three/commercial-property)
- [HUB International vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/hub-international-vs-three/general-liability)
- [HUB International vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-three/inland-marine)
- [HUB International vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-three/professional-errors-omissions)
- [HUB International vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-three/workers-compensation)
- [AIG vs HUB International Commercial Auto Insurance](https://spot.insure/compare/aig-vs-hub-international/commercial-auto)
- [AIG vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/aig-vs-three/commercial-auto)
- [Alliance Risk vs HUB International Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/commercial-auto)
- [Alliance Risk vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-auto)
- [Aon vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/aon-vs-three/commercial-auto)
- [The Baldwin Group vs HUB International Commercial Auto Insurance](https://spot.insure/compare/baldwin-vs-hub-international/commercial-auto)

## Sources

### HUB International

1. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
2. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
4. [Commercial Auto Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/commercial-auto/). HUB International; Coverage list: long- and short-haul transportation, hired and non-owned exposures, uninsured/underinsured motorists, medical payments, towing, lease gap; property damage and bodily injury; fleet-risk and complex risk analytics services; Contact a HUB broker. Accessed 2026-09-23.

### 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.

### Commercial Auto Insurance Guide

8. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Automobile: Coverage, Classification and Limits. Accessed 2026-09-16.
9. [Auto Insurance](https://content.naic.org/insurance-topics/auto-insurance). NAIC; Coverages. Accessed 2026-09-16.
10. [Business Vehicle Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/business-vehicle-insurance). Insurance Information Institute; Will My Personal Auto Policy Cover Business Use?; What Vehicles Are Covered?; What Coverage Do I Need if Employees Drive Their Personal Vehicles for Business?; Does a Business Umbrella Cover Autos?; Do I Need a Business Auto Policy?; Be Sure the Right Insured Is on the Policy. Accessed 2026-09-16.
11. [Business Auto Coverage Form](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf). Insurance Services Office, Inc.; hosted by National General; I.A, printed/PDF page 1; II.A.1, printed/PDF page 2; III.C–D, printed/PDF page 6; II.B.6, printed/PDF page 3; III.B.3, printed/PDF page 6. 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.

## HUB International Reviews

Review Score: 5.6 / 10 from 2 rated sources, equally weighted.

Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.

- BBB: BBB business grade A- (BBB letter grade). BBB profile for HUB International, Chicago headquarters and its corporate-owned locations (United States). HUB is a global broker; BBB coverage is US/Canada and split by office profile. Period: current page, accessed 2026-09-29; 3 complaints closed in last 3 years. Checked 2026-09-29. [HUB International | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202)
- BBB customer reviews: BBB customer reviews 1 (out of 5); 7 reviews. Customer reviews left on the same BBB headquarters profile (HQ and corporate-owned US locations). Small sample. Checked 2026-09-29. [HUB International | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202/customer-reviews)
- BBB Canada West: BBB business grade A- (BBB letter grade). BBB profile for HUB International Canada West ULC, Burnaby BC. Covers one Canadian regional entity only, not the whole group. Period: current page; 13 complaints closed in last 3 years; 3 customer reviews. Checked 2026-09-29. [HUB International Canada West ULC | BBB Reviews](https://www.bbb.org/ca/bc/burnaby/profile/insurance-services-office/hub-international-insurance-brokers-hub-coastal-0037-120326/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/hub-international/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/hub-international-vs-three/commercial-auto.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)