---
title: "Liberty Mutual vs THREE by Berkshire Hathaway: Equipment Breakdown Insurance"
description: "Compare how Liberty Mutual and THREE by Berkshire Hathaway structure equipment breakdown insurance coverage, then check the policy form, eligibility, and quote route."
canonical: "https://spot.insure/compare/liberty-mutual-vs-three/equipment-breakdown"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "liberty-mutual-vs-three"
provider-a: "liberty-mutual"
provider-b: "three"
coverage-line: "equipment-breakdown"
---

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

## Agent Guide

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

**Key facts:**
- Line: Equipment Breakdown 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 2026-09-30. 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
- [Equipment Breakdown Insurance guide](https://spot.insure/coverage/equipment-breakdown) — 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 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 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 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 Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-three/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Liberty Mutual Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-liberty-mutual/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-three/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [Chubb vs Liberty Mutual Equipment Breakdown Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/equipment-breakdown) — sibling comparison (other line, or other pair for this line)

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

Compare how Liberty Mutual and THREE by Berkshire Hathaway structure equipment breakdown insurance coverage, then check the policy form, eligibility, and quote route.

## Research Scope and Use

Use this comparison to evaluate Liberty Mutual and THREE by Berkshire Hathaway for Equipment Breakdown 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

Liberty Mutual’s record describes a reinsurance details versus a bundled small-business policy; THREE by Berkshire Hathaway’s reviewed offering gives a distinct route or detail. Check both quoted forms for your business. [3](https://business.libertymutual.com/commercial-insurance-solutions/property/equipment-breakdown/liberty-mutual-equipment-re/products/ "Products: Liberty Mutual Equipment Re") [4](https://business.libertymutual.com/commercial-solutions/property/ "Property") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - 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. [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 Equipment Breakdown Insurance?

Equipment-breakdown coverage can help repair covered machinery or building equipment after a mechanical or electrical failure. It fits businesses that depend on equipment to operate; check whether lost income, spoilage and utility failures are included. [8](https://www.iii.org/article/understanding-commercial-package-policies "Understanding Commercial Package Policies") [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://www.travelers.com/risk-control/specialties/equipment-breakdown "Equipment Breakdown") [11](https://www.munichre.com/content/dam/munichre/hsb/hsb-iic/documents/hsb-techadvantage-equipment-breakdown-coverage-form.pdf/_jcr_content/renditions/original./hsb-techadvantage-equipment-breakdown-coverage-form.pdf "HSB TechAdvantage Equipment Breakdown Coverage Form")

## Key Differences in Equipment Breakdown Insurance

### Reinsurance details versus a bundled small-business policy

Liberty Mutual’s Equipment Re materials describe commercial reinsurance rather than a business buyer’s policy. THREE lists equipment breakdown within its combined Business Owners Policy and directs small businesses to an online quote. Ask THREE how the equipment item appears in your quote and identify the issuing route for any Liberty Mutual option. [3](https://business.libertymutual.com/commercial-insurance-solutions/property/equipment-breakdown/liberty-mutual-equipment-re/products/ "Products: Liberty Mutual Equipment Re") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### What the policy materials say about equipment failure

THREE’s sample policy excludes some machinery or equipment that stops without an accident, while its product page lists Equipment Breakdown. Liberty Mutual names electrical, mechanical, and pressure-system failures but says a business policy’s base terms are not established. The exact endorsement controls both comparisons. [3](https://business.libertymutual.com/commercial-insurance-solutions/property/equipment-breakdown/liberty-mutual-equipment-re/products/ "Products: Liberty Mutual Equipment Re") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

## What to Confirm in Equipment Breakdown Insurance Quotes

- Ask THREE how the equipment-breakdown coverage modifies the sample exclusion; ask Liberty Mutual for the retail form, trigger, and equipment schedule. [3](https://business.libertymutual.com/commercial-insurance-solutions/property/equipment-breakdown/liberty-mutual-equipment-re/products/ "Products: Liberty Mutual Equipment Re") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

## Offering Details

| Criteria | Commercial Equipment Breakdown | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Liberty Mutual Equipment Re describes commercial equipment-breakdown reinsurance and individualized coverages; this page does not establish the placement route for a particular business. [3](https://business.libertymutual.com/commercial-insurance-solutions/property/equipment-breakdown/liberty-mutual-equipment-re/products/ "Products: Liberty Mutual Equipment Re") [4](https://business.libertymutual.com/commercial-solutions/property/ "Property") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Equipment Breakdown. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | THREE presents Equipment Breakdown 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 | Confirm in your quote. | 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 | The page provides a direct Equipment Re team contact; it does not show an online purchase flow. [3](https://business.libertymutual.com/commercial-insurance-solutions/property/equipment-breakdown/liberty-mutual-equipment-re/products/ "Products: Liberty Mutual Equipment Re") [4](https://business.libertymutual.com/commercial-solutions/property/ "Property") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Equipment Breakdown. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | The reviewed product page does not state separate eligibility rules for Equipment Breakdown; 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 | The page names electrical, mechanical and pressure-system breakdown examples and resulting business-income and extra expenses only when included in the base policy; it does not establish terms for an individual business. [3](https://business.libertymutual.com/commercial-insurance-solutions/property/equipment-breakdown/liberty-mutual-equipment-re/products/ "Products: Liberty Mutual Equipment Re") [4](https://business.libertymutual.com/commercial-solutions/property/ "Property") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Commercial Equipment Breakdown. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | THREE's Business Owners Policy page lists Equipment Breakdown, while its sample policy also excludes some machinery, equipment, or listed vehicles that stop without an accident. The public materials do not establish how an offered equipment-breakdown item changes that sample exclusion. [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: Company marketing and the displayed sample policy only; the selected quote, state-specific forms, and endorsements determine whether a specific equipment breakdown loss is covered..) |
| Limits and Retentions | Confirm in your quote. | The reviewed public product page does not state a separate limit or deductible for Equipment Breakdown; 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..) |
| 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-insurance-solutions/property/equipment-breakdown/liberty-mutual-equipment-re/products/ "Products: Liberty Mutual Equipment Re") [4](https://business.libertymutual.com/commercial-solutions/property/ "Property") (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. [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 Equipment Breakdown will be offered for a particular business or whether a customer can bind that line without an issued policy..) |

## Full Comparison

- [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 Equipment Breakdown Insurance?](https://spot.insure/coverage/equipment-breakdown): Equipment breakdown can help repair covered machinery after mechanical or electrical failure; check whether downtime, spoilage and utility interruption are also covered.
- [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 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 Workers’ Compensation Insurance](https://spot.insure/compare/liberty-mutual-vs-three/workers-compensation)
- [AIG vs Liberty Mutual Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/equipment-breakdown)
- [AIG vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-three/equipment-breakdown)
- [Alliance Risk vs Liberty Mutual Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/equipment-breakdown)
- [The Baldwin Group vs Liberty Mutual Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-liberty-mutual/equipment-breakdown)
- [The Baldwin Group vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-three/equipment-breakdown)
- [Chubb vs Liberty Mutual Equipment Breakdown Insurance](https://spot.insure/compare/chubb-vs-liberty-mutual/equipment-breakdown)

## Sources

### 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. [Products: Liberty Mutual Equipment Re](https://business.libertymutual.com/commercial-insurance-solutions/property/equipment-breakdown/liberty-mutual-equipment-re/products/). Liberty Mutual Business Insurance; ‘Commercial equipment breakdown’ names commercial equipment breakdown and covered electrical/mechanical/pressure-system failure examples; it describes reinsurance and individualized coverage. Do not apply personal service-line products to business buyers.. Accessed 2026-09-29.
4. [Property](https://business.libertymutual.com/commercial-solutions/property/). Liberty Mutual Business Insurance; Property solutions section describes commercial property, business-interruption protection, Builder's Risk, Equipment Breakdown, Inland Marine and Ocean Marine; named Premier Property Protector, RM Select, and Liberty Mutual Property Protector product descriptions; states standalone and package options. Coverage terms depend on the policy.. Accessed 2026-09-29.

### 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.

### Equipment Breakdown Insurance Guide

8. [Understanding Commercial Package Policies](https://www.iii.org/article/understanding-commercial-package-policies). Insurance Information Institute; Available CPP additions: Equipment breakdown. Accessed 2026-09-16.
9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Boiler and Machinery; Commercial Property: Covered Causes of Loss; Commercial Property: Time Element; Inland Marine; Coverage Forms and/or Specialty Coverages. Accessed 2026-09-16.
10. [Equipment Breakdown](https://www.travelers.com/risk-control/specialties/equipment-breakdown). Travelers; Definition and equipment list. Accessed 2026-09-16.
11. [HSB TechAdvantage Equipment Breakdown Coverage Form](https://www.munichre.com/content/dam/munichre/hsb/hsb-iic/documents/hsb-techadvantage-equipment-breakdown-coverage-form.pdf/_jcr_content/renditions/original./hsb-techadvantage-equipment-breakdown-coverage-form.pdf). The Hartford Steam Boiler Inspection and Insurance Company; G.1 Accident, PDF p.17; A.2.a–c p.1; C.2 pp.8–9; C pp.8–9; D pp.9–10; E.10 Valuation, PDF pp.13–14; G.10–11 pp.18–19; A.2.n p.5 (Off Premises Equipment Breakdown); A.2.p pp.5–6; A.2.r p.6; G.18 p.20 (Interruption of Service). 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.

## Liberty Mutual Reviews

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 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

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