---
title: "Liberty Mutual vs THREE by Berkshire Hathaway: Commercial Auto Insurance"
description: "Liberty Mutual describes commercial auto with named coverage categories; THREE presents Business Auto as part of a combined Business Owners Policy."
canonical: "https://spot.insure/compare/liberty-mutual-vs-three/commercial-auto"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "liberty-mutual-vs-three"
provider-a: "liberty-mutual"
provider-b: "three"
coverage-line: "commercial-auto"
---

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

## Agent Guide

**What this page is:** Focused comparison of Liberty Mutual 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 Liberty Mutual 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:**
- Liberty Mutual vs THREE by Berkshire Hathaway for Commercial Auto Insurance: how do they differ?
- Which is better for Commercial Auto Insurance, Liberty Mutual or THREE by Berkshire Hathaway?
- What does Liberty Mutual 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 Liberty Mutual or THREE by Berkshire Hathaway?

**Key facts:**
- Line: Commercial Auto Insurance. Providers: Liberty Mutual and THREE by Berkshire Hathaway.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [Liberty Mutual vs THREE by Berkshire Hathaway](https://spot.insure/compare/liberty-mutual-vs-three) — parent: all coverage lines for this pair
- [Commercial Auto Insurance guide](https://spot.insure/coverage/commercial-auto) — coverage explainer for this line
- [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence)
- [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence)
- [Liberty Mutual vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/liberty-mutual-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/liberty-mutual-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/liberty-mutual-vs-three/cyber) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/liberty-mutual-vs-three/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-three/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/liberty-mutual-vs-three/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-three/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-three/general-liability) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/liberty-mutual-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/liberty-mutual-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/liberty-mutual-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/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 Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/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 Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/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)

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

Liberty Mutual describes commercial auto with named coverage categories; THREE presents Business Auto as part of a combined Business Owners Policy.

## How to Use the Liberty Mutual vs THREE by Berkshire Hathaway Commercial Auto Insurance Comparison

Use this comparison to evaluate Liberty Mutual 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.

## Liberty Mutual vs THREE by Berkshire Hathaway Commercial Auto Insurance Summary

Liberty Mutual lists liability, physical damage and uninsured-motorist protections; THREE presents Business Auto within its combined BOP and directs small-business prospects to an online quote with advisor help. [3](https://business.libertymutual.com/commercial-solutions/commercial-auto-and-fleet/ "Commercial Auto and Fleet") [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [4](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

## 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](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [2](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions")

[Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual)

## 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](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [5](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. [7](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [8](https://content.naic.org/insurance-topics/auto-insurance "Auto Insurance") [9](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/business-vehicle-insurance "Business Vehicle Insurance") [10](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form")

## 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](https://business.libertymutual.com/commercial-solutions/commercial-auto-and-fleet/ "Commercial Auto and Fleet")[6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### 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](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")[5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")[3](https://business.libertymutual.com/commercial-solutions/commercial-auto-and-fleet/ "Commercial Auto and Fleet")

## What Should You Confirm in Liberty Mutual and THREE by Berkshire Hathaway Commercial Auto Insurance Quotes?

- Ask THREE whether Business Auto is included in your BOP quote, who issues it and which auto limits apply. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")
- Ask Liberty Mutual for its policy forms, limits, deductibles and purchase steps. [3](https://business.libertymutual.com/commercial-solutions/commercial-auto-and-fleet/ "Commercial Auto and Fleet")

## Liberty Mutual vs THREE by Berkshire Hathaway Commercial Auto Compared

| Criteria | Commercial Auto and Fleet | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Liberty Mutual describes commercial-auto insurance for businesses with commercial vehicles. [3](https://business.libertymutual.com/commercial-solutions/commercial-auto-and-fleet/ "Commercial Auto and Fleet") (Evidence: Company-reported; scope: 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. [6](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 | Confirm in your quote. | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [5](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 | The company says underwriters tailor solutions to industry, fleet, location and vehicle use. [3](https://business.libertymutual.com/commercial-solutions/commercial-auto-and-fleet/ "Commercial Auto and Fleet") (Evidence: Company-reported; scope: 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [4](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 | Its page names liability, physical damage, bodily injury and uninsured-motorist coverages; policy terms determine the actual protection. [3](https://business.libertymutual.com/commercial-solutions/commercial-auto-and-fleet/ "Commercial Auto and Fleet") (Evidence: Company-reported; scope: 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](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. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](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 | 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. [3](https://business.libertymutual.com/commercial-solutions/commercial-auto-and-fleet/ "Commercial Auto and Fleet") (Evidence: Not found in reviewed sources; scope: 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. [4](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..) |

## Related Pages for Liberty Mutual vs THREE by Berkshire Hathaway

- [Liberty Mutual vs THREE by Berkshire Hathaway](https://spot.insure/compare/liberty-mutual-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.
- [Liberty Mutual vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/liberty-mutual-vs-three/business-owners-policy)
- [Liberty Mutual vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/liberty-mutual-vs-three/commercial-property)
- [Liberty Mutual vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/liberty-mutual-vs-three/cyber)
- [Liberty Mutual vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/liberty-mutual-vs-three/directors-officers)
- [Liberty Mutual vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-three/employment-practices)
- [Liberty Mutual vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/liberty-mutual-vs-three/equipment-breakdown)
- [Liberty Mutual vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-three/fiduciary)
- [Liberty Mutual vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-three/general-liability)
- [Liberty Mutual vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/liberty-mutual-vs-three/inland-marine)
- [Liberty Mutual vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/liberty-mutual-vs-three/professional-errors-omissions)
- [Liberty Mutual vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/liberty-mutual-vs-three/workers-compensation)
- [AIG vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/commercial-auto)
- [AIG vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/aig-vs-three/commercial-auto)
- [Alliance Risk vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/commercial-auto)
- [Alliance Risk vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-auto)
- [Aon vs Liberty Mutual Commercial Auto Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/commercial-auto)
- [Aon vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/aon-vs-three/commercial-auto)

## Sources for Liberty Mutual vs THREE by Berkshire Hathaway

### Sources About Liberty Mutual

1. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/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.
2. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-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.
3. [Commercial Auto and Fleet](https://business.libertymutual.com/commercial-solutions/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

4. [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.
5. [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.
6. [Business Owners Policy - THREE by Berkshire Hathaway](https://threeinsurance.com/business-owners-policy). Berkshire Hathaway Direct Insurance Company, dba THREE; Product page: “No need for multiple policies” and one comprehensive policy; Business Liability, Property and Business Auto categories and the listed line names. Product page footer identifies Berkshire Hathaway Direct Insurance Company, dba THREE.. Accessed 2026-09-30.

### Sources for the Commercial Auto Insurance Guide

7. [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.
8. [Auto Insurance](https://content.naic.org/insurance-topics/auto-insurance). NAIC; Coverages. Accessed 2026-09-16.
9. [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.
10. [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 2026-10-01. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Liberty Mutual Review Scores for 2026

Review Score: 7.2 / 10 from 2 rated sources, equally weighted.

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.

- NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance)
- Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/liberty-mutual/reviews).

## THREE by Berkshire Hathaway Review Scores for 2026

Review Score: 7.3 / 10 from 2 rated sources, equally weighted.

The inspected sources report separate measures: NerdWallet’s 4.0/5 editorial rating is excluded from the source-rating average; Trustpilot displayed 2.5/5 from five user posts and BBB displayed 4.8/5 from 265 reviews. Trustpilot and BBB include different purchase, service and agent/intermediary interactions, not a verified common policyholder cohort. BBB separately lists complaints. Any source-rating average weights eligible platforms equally and is not a pooled, representative customer-experience estimate or a claims-quality measure.

- NerdWallet: NerdWallet editorial rating 4.0 (5 stars). NerdWallet editorial evaluation of THREE commercial insurance; updated May 11, 2026. Its methodology score is an editorial rating, not an average of consumer reviews or a claims study. Period: Updated 2026-05-11. Checked 2026-09-29. [Three Insurance review | NerdWallet](https://www.nerdwallet.com/business/insurance/learn/three-insurance)
- Trustpilot: TrustScore 2.5 (5 stars); 5 reviews. Trustpilot page for threeinsurance.com checked 2026-09-29. Five user-posted reviews, one in prior 12 months; small self-selected population, review provenance not independently verified. Period: Displayed 2026-09-29. Checked 2026-09-29. [THREE Reviews | Trustpilot](https://uk.trustpilot.com/review/threeinsurance.com)
- BBB: BBB customer review average 4.8 (5 stars); 265 reviews. BBB profile for THREE by Berkshire Hathaway, customer-review and complaints pages directly rechecked 2026-09-29. The customer-review population includes sales-agent/intermediary interactions and customer purchase/service reports; it is not a verified uniform policyholder or claims-outcome cohort. Average and complaints are distinct populations. BBB says third-party information may not be verified and complaint text may be incomplete. Period: Displayed 2026-09-29. Checked 2026-09-29. [THREE by Berkshire Hathaway customer reviews | BBB](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/customer-reviews?page=1); [THREE by Berkshire Hathaway complaints | BBB](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/three/reviews).

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