Liberty Mutual vs 
THREE by Berkshire Hathaway: How Do They Compare for Commercial Auto Insurance?
What Is Liberty Mutual Business Insurance?
Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. 1,2
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. 4,5
Read the THREE by Berkshire Hathaway profile
Read the THREE by Berkshire Hathaway Commercial Auto Insurance page
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. 7,8,9,10
What Are the Key Differences Between Liberty Mutual and THREE by Berkshire Hathaway Commercial Auto Insurance?
Standalone auto description and package structure
Liberty Mutual describes commercial auto and names liability, physical damage, bodily injury and uninsured-motorist coverages, with policy terms controlling. THREE presents Business Auto as one component of its combined Business Owners Policy rather than identifying a standalone auto policy on the reviewed page. Buyers considering a package should check whether Business Auto appears in the actual quote and how its limits coordinate with the other BOP sections. 3 6
Quote path and insurer confirmation
THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help. Its linked sample policy names Berkshire Hathaway Direct Insurance Company as issuer, but that sample alone does not identify the carrier on every quote. Liberty Mutual’s record describes its own commercial-auto offering without a comparable online quote detail. For a useful comparison, verify the issuer, auto forms and effective date in both proposals rather than relying on product-page labels. 4 5 3
What Should You Confirm in Liberty Mutual and THREE by Berkshire Hathaway Commercial Auto Insurance Quotes?
Liberty Mutual and THREE by Berkshire Hathaway Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Liberty Mutual Review Score
Review Score
2 rated sources
Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.[4][1]
Read Liberty Mutual reviewsTHREE by Berkshire Hathaway Review Score
Review Score
2 rated sources
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.[4][3][1][2]
Read THREE by Berkshire Hathaway reviewsLiberty Mutual vs THREE by Berkshire Hathaway Commercial Auto Compared
Liberty Mutual vs THREE by Berkshire Hathaway: Commercial Auto Insurance: documented features by provider
| Criteria | Commercial Auto and Fleet | THREE Business Owners Policy |
|---|---|---|
| Role in This Line | Liberty Mutual describes commercial-auto insurance for businesses with commercial vehicles. 3Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Auto and Fleet. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. | 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. 6Company-reported. 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 | Confirm in your quote. | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. 5Company-reported. 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 | The company says underwriters tailor solutions to industry, fleet, location and vehicle use. 3Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Auto and Fleet. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. | 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. 6,4Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms. |
| Coverage Features | Its page names liability, physical damage, bodily injury and uninsured-motorist coverages; policy terms determine the actual protection. 3Company-reported. Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Auto and Fleet. Not policy wording, underwriting approval, state eligibility or a coverage guarantee. | 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. 6,5Company-reported. 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. 6,5Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible. |
| How to Apply | The cited product page does not establish an online application or policy-binding path; ask the listed team or your broker/agent how this product is placed. 3Not found in reviewed sources. Reviewed product-page scope only. This not-found disposition is not a claim that no digital route exists. | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. 4Company-reported. 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. |
Related Pages for Liberty Mutual vs THREE by Berkshire Hathaway
Commercial Auto Pages for Liberty Mutual and THREE by Berkshire Hathaway
Other Coverage Lines Compared for Liberty Mutual vs THREE by Berkshire Hathaway
Other Commercial Auto Insurance Provider Comparisons
Sources for Liberty Mutual vs THREE by Berkshire Hathaway
Sources About Liberty Mutual
- Company Profile. Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide). Accessed 2026-09-29.
- Commercial Insurance Solutions. Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary. Accessed 2026-09-29.
- Commercial Auto and Fleet. Liberty Mutual Business Insurance; ‘Solutions for complex risks’ names liability, physical damage, bodily injury and uninsured motorists; ‘Expertise that delivers’ says underwriting is tailored to industry, fleet, location and usage; ‘Better control over claims’ describes auto liability claims resources. Company marketing claims are not an independent outcome study. Accessed 2026-09-29.
Sources About THREE by Berkshire Hathaway
- Jargon-free small business insurance - THREE by Berkshire Hathaway. 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.
- The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway. 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.
- Business Owners Policy - THREE by Berkshire Hathaway. 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 Commercial Auto Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Commercial Automobile: Coverage, Classification and Limits. Accessed 2026-09-16.
- Auto Insurance. NAIC; Coverages. Accessed 2026-09-16.
- 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.
- Business Auto Coverage Form. 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.
