---
title: "Liberty Mutual vs THREE by Berkshire Hathaway: Professional Liability (E&O) Insurance"
description: "Compare THREE by Berkshire Hathaway’s marketed BOP E&O category with Liberty Mutual’s named Physicians & Surgeons PL-only program."
canonical: "https://spot.insure/compare/liberty-mutual-vs-three/professional-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "liberty-mutual-vs-three"
provider-a: "liberty-mutual"
provider-b: "three"
coverage-line: "professional-errors-omissions"
---

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

## Agent Guide

**What this page is:** Focused comparison of Liberty Mutual and THREE by Berkshire Hathaway for Professional Liability (E&O) Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Professional Liability (E&O) Insurance questions about 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 Professional Liability (E&O) Insurance: how do they differ?
- Which is better for Professional Liability (E&O) Insurance, Liberty Mutual or THREE by Berkshire Hathaway?
- What does Liberty Mutual or THREE by Berkshire Hathaway publish about Professional Liability (E&O) Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Professional Liability (E&O) Insurance from Liberty Mutual or THREE by Berkshire Hathaway?

**Key facts:**
- Line: Professional Liability (E&O) 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
- [Professional Liability (E&O) Insurance guide](https://spot.insure/coverage/professional-errors-omissions) — 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 Auto Insurance](https://spot.insure/compare/liberty-mutual-vs-three/commercial-auto) — 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 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 Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Aon vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)

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

Compare THREE by Berkshire Hathaway’s marketed BOP E&O category with Liberty Mutual’s named Physicians & Surgeons PL-only program.

## How to Use the Liberty Mutual vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance Comparison

Use this comparison to evaluate Liberty Mutual and THREE by Berkshire Hathaway for Professional Liability (E&O) Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Liberty Mutual vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance Summary

THREE by Berkshire Hathaway lists E&O among coverage categories in its combined BOP but does not guarantee it appears in a specific quote; Liberty Mutual lists a physician PL-only program. [3](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") [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")

## 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 Professional Errors and Omissions (E&O) Insurance?

Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. [7](https://www.tdi.texas.gov/commercial/pl-faq.html "FAQ: Professional liability insurance") [8](https://www.iii.org/article/professional-liability-insurance "Professional liability insurance") [9](https://www.sba.gov/counseling/launch-your-business/#business-insurance "Get business insurance") [10](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf "Professional Liability – US Direct Errors and Omissions Insurance")

## What Are the Key Differences Between Liberty Mutual and THREE by Berkshire Hathaway Professional Liability (E&O) Insurance?

### E&O within a package versus a named specialty line

THREE by Berkshire Hathaway lists Errors & Omissions among coverage categories in its combined Business Owners Policy. Its product description does not mean E&O will appear in every applicant’s quote. Liberty Mutual’s directory separately names Physicians & Surgeons Professional and marks it “PL Only.” A small business considering THREE by Berkshire Hathaway should verify the E&O line is scheduled for its risk; a physician should ask the Liberty Mutual administrator for the program’s offered form. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [3](https://business.libertymutual.com/commercial-solutions/programs/ "Programs")

### Quote steps and actual line inclusion

THREE by Berkshire Hathaway directs small-business prospects to an online quote and says licensed Small Business Advisors can help with that overall process. Liberty Mutual supplies administrator contacts for its physician program. Neither route alone confirms E&O inclusion or eligibility: the THREE by Berkshire Hathaway schedule must show the selected line, while Liberty Mutual’s administrator must identify whether the practice is considered. Compare the policy-specific limits and issuer only after those details appear in the proposals. [4](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [3](https://business.libertymutual.com/commercial-solutions/programs/ "Programs")

## What Should You Confirm in Liberty Mutual and THREE by Berkshire Hathaway Professional Liability (E&O) Insurance Quotes?

- Ask THREE by Berkshire Hathaway whether E&O is included for your business in the quote, and verify its limit on the insurance summary. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")
- Ask Liberty Mutual’s administrator whether your physician specialty is considered and request the proposed form and limits. [3](https://business.libertymutual.com/commercial-solutions/programs/ "Programs")

## Liberty Mutual vs THREE by Berkshire Hathaway Professional Liability (E&O) Compared

| Criteria | Physicians & Surgeons Professional program | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Liberty Mutual lists a Physicians & Surgeons Professional program, marked “PL Only,” in its specialty-program portfolio. [3](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Physicians & Surgeons Professional program. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | THREE presents Errors and Omissions as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. [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 | Liberty Mutual says its programs are managed by program administrators; the page provides program inquiry contact details. [3](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Physicians & Surgeons Professional program. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | The reviewed product page does not state separate eligibility rules for Errors and Omissions; the general quote and advisor route is not proof that a particular business qualifies for it. [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 | The listing identifies professional liability only; it does not establish form terms, limits, exclusions or insurer for a quote. [3](https://business.libertymutual.com/commercial-solutions/programs/ "Programs") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Physicians & Surgeons Professional program. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | THREE's Business Owners Policy page lists Errors & Omissions among its marketed coverage categories in the combined policy. This describes the product page, not whether the category appears in a particular quote or responds to a loss. [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 Errors and Omissions. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy..) |
| Limits and Retentions | Confirm in your quote. | The reviewed public product page does not state a separate limit or deductible for Errors and Omissions; THREE says the quote-specific insurance summary lists limits and deductibles. [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/programs/ "Programs") (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 Errors and Omissions 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 Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional liability can help pay covered defense costs and losses when a client says your advice or service caused financial harm; check services and reporting terms.
- [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 Auto Insurance](https://spot.insure/compare/liberty-mutual-vs-three/commercial-auto)
- [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 Workers’ Compensation Insurance](https://spot.insure/compare/liberty-mutual-vs-three/workers-compensation)
- [AIG vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/professional-errors-omissions)
- [AIG vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-three/professional-errors-omissions)
- [Alliance Risk vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/professional-errors-omissions)
- [Alliance Risk vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-three/professional-errors-omissions)
- [Aon vs Liberty Mutual Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-liberty-mutual/professional-errors-omissions)
- [Aon vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/aon-vs-three/professional-errors-omissions)

## 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. [Programs](https://business.libertymutual.com/commercial-solutions/programs/). Liberty Mutual Business Insurance; ‘Our programs portfolio’ lists Auto Salvage/Dismantlers, Fire Suppression and Sprinkler Contractors, Nonprofits, Physicians & Surgeons Professional (PL only), Post-surgical for bariatric and plastic surgeries, Roofing Contractors, Scrap Metal Dealers, Self-storage, and Sports and Fitness. Page says programs are managed by program administrators; not a complete business catalogue.. 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 Professional Liability (E&O) Insurance Guide

7. [FAQ: Professional liability insurance](https://www.tdi.texas.gov/commercial/pl-faq.html). Texas Department of Insurance; What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies. Accessed 2026-09-16.
8. [Professional liability insurance](https://www.iii.org/article/professional-liability-insurance). Insurance Information Institute; Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion). Accessed 2026-09-16.
9. [Get business insurance](https://www.sba.gov/counseling/launch-your-business/#business-insurance). U.S. Small Business Administration; Six common types of business insurance table. Accessed 2026-09-16.
10. [Professional Liability – US Direct Errors and Omissions Insurance](https://www.hiscox.com/documents/pl-sample-policy-wording.pdf). Hiscox Inc. specimen; About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act. Accessed 2026-09-16.

Updated 2026-10-01. 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).

## Agent and Developer Resources

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