--- title: "Markel Insurance vs THREE by Berkshire Hathaway: Commercial Property Insurance" description: "Markel describes standalone primary or excess property placements, while THREE lists Property within a combined small-business BOP with quote-specific limits." canonical: "https://spot.insure/compare/markel-vs-three/commercial-property" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "markel-vs-three" provider-a: "markel" provider-b: "three" coverage-line: "commercial-property" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/markel-vs-three/commercial-property) ## Agent Guide **What this page is:** Focused comparison of Markel Insurance and THREE by Berkshire Hathaway for Commercial Property 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 Property Insurance questions about Markel Insurance 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:** - Markel Insurance vs THREE by Berkshire Hathaway for Commercial Property Insurance: how do they differ? - Which is better for Commercial Property Insurance, Markel Insurance or THREE by Berkshire Hathaway? - What does Markel Insurance or THREE by Berkshire Hathaway publish about Commercial Property Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Commercial Property Insurance from Markel Insurance or THREE by Berkshire Hathaway? **Key facts:** - Line: Commercial Property Insurance. Providers: Markel Insurance 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:** - [Markel Insurance vs THREE by Berkshire Hathaway](https://spot.insure/compare/markel-vs-three) — parent: all coverage lines for this pair - [Commercial Property Insurance guide](https://spot.insure/coverage/commercial-property) — coverage explainer for this line - [Markel Insurance profile](https://spot.insure/insurance-providers/markel) — provider profile (evidence) - [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence) - [Markel Insurance vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/markel-vs-three/cyber) — sibling comparison (other line, or other pair for this line) - [Markel Insurance vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/markel-vs-three/directors-officers) — sibling comparison (other line, or other pair for this line) - [Markel Insurance vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/markel-vs-three/employment-practices) — sibling comparison (other line, or other pair for this line) - [Markel Insurance vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/markel-vs-three/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [Markel Insurance vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/markel-vs-three/fiduciary) — sibling comparison (other line, or other pair for this line) - [Markel Insurance vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/markel-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Markel Insurance Commercial Property Insurance](https://spot.insure/compare/aig-vs-markel/commercial-property) — sibling comparison (other line, or other pair for this line) - [AIG vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/aig-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Markel Insurance Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-markel/commercial-property) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line) - [Aon vs Markel Insurance Commercial Property Insurance](https://spot.insure/compare/aon-vs-markel/commercial-property) — sibling comparison (other line, or other pair for this line) - [Aon vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/aon-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line) # Markel Insurance vs THREE by Berkshire Hathaway: How Do They Compare for Commercial Property Insurance? Markel describes standalone primary or excess property placements, while THREE lists Property within a combined small-business BOP with quote-specific limits. ## Research Scope and Use Use this comparison to evaluate Markel Insurance and THREE by Berkshire Hathaway for Commercial Property 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 THREE includes Property as a category in its Business Owners Policy and provides limits in the quote-specific summary; Markel describes primary and excess commercial-property placements without a published universal limit. [3](https://www.markel.com/us/commercial/property/commercial-and-risk-management-property "Commercial Property Insurance") [4](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") ## Markel Insurance: Specialty Business and Products Markel Insurance is Markel Group's specialty and small-business insurance business, with offerings across packages, workers' compensation, cyber, professional and management liability, property, marine, and surety. Products use different insurers and distribution routes, so compare the issuer and terms shown on the specific quote. [1](https://www.markel.com/about-us "About us") [2](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K") [Markel Insurance profile](https://spot.insure/insurance-providers/markel) ## 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 Property Insurance? Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. [7](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [8](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop "Business Interruption Insurance/Businessowner’s Policies (BOP)") [9](https://www.tdi.texas.gov/pubs/consumer/cb021.html "Commercial property insurance guide") ## Key Differences in Commercial Property Insurance ### Combined BOP or Property Placement THREE presents Property as one component of its combined Business Owners Policy rather than identifying it as a standalone product on the reviewed page. It directs small-business prospects to an online quote and says licensed Small Business Advisors can assist. Markel describes commercial property placements for commercial, industrial and technical occupancies, including primary and excess structures. Buyers seeking a package should examine THREE’s quote; businesses needing standalone or layered property should ask Markel what structure it can offer. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [3](https://www.markel.com/us/commercial/property/commercial-and-risk-management-property "Commercial Property Insurance") ### Issuer and Policy Limits THREE’s sample policy identifies Berkshire Hathaway Direct Insurance Company as issuer, while its product page says the separate property limit and deductible appear in the quote-specific insurance summary. Markel’s overview does not set a universal limit or retention. Ask THREE whether that sample issuer applies to your quote and ask Markel to identify its insurer, layer and capacity in writing. [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") [3](https://www.markel.com/us/commercial/property/commercial-and-risk-management-property "Commercial Property Insurance") ### Eligibility and Covered Property THREE’s public product page does not give separate property eligibility rules or guarantee that Property appears in an individual quote. Markel lists target occupancies such as hospitality, healthcare, manufacturing and schools. Ask each provider to confirm the business qualifies and obtain the exact property sections, exclusions and deductibles from the quote. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [3](https://www.markel.com/us/commercial/property/commercial-and-risk-management-property "Commercial Property Insurance") ## What to Confirm in Commercial Property Insurance Quotes - Ask THREE whether Property is included in the proposed BOP, who issues it and what limits and deductibles apply. [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") - Ask Markel for eligible occupancy, standalone or excess layer, carrier and covered causes. [3](https://www.markel.com/us/commercial/property/commercial-and-risk-management-property "Commercial Property Insurance") - Compare building, contents, business-income and catastrophe terms in the actual forms. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [3](https://www.markel.com/us/commercial/property/commercial-and-risk-management-property "Commercial Property Insurance") ## Offering Details | Criteria | Markel commercial property (official overview) | THREE Business Owners Policy | | --- | --- | --- | | Role in This Line | Markel describes offering commercial property for the audience stated on the cited product page. [3](https://www.markel.com/us/commercial/property/commercial-and-risk-management-property "Commercial Property Insurance") (Evidence: Company-reported; scope: commercial property marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | THREE presents Property 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 | Commercial, industrial, and technical occupancies, with examples including municipalities, hospitality, commercial real estate, healthcare, light manufacturing, medical facilities, and schools. [3](https://www.markel.com/us/commercial/property/commercial-and-risk-management-property "Commercial Property Insurance") (Evidence: Company-reported; scope: commercial property marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | The reviewed product page does not state separate eligibility rules for Property; 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 cited product page describes commercial property placements for named commercial, industrial, and technical occupancies, including primary and excess structures. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [3](https://www.markel.com/us/commercial/property/commercial-and-risk-management-property "Commercial Property Insurance") (Evidence: Company-reported; scope: commercial property marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | THREE's Business Owners Policy page lists Property 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 Property. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy..) | | Limits and Retentions | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. [3](https://www.markel.com/us/commercial/property/commercial-and-risk-management-property "Commercial Property Insurance") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) | The reviewed public product page does not state a separate limit or deductible for Property; 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 page invites prospective customers or brokers to contact Markel or the named underwriting team. The page does not establish a quote, bind, or coverage-effective timeline. [3](https://www.markel.com/us/commercial/property/commercial-and-risk-management-property "Commercial Property Insurance") (Evidence: Company-reported; scope: commercial property marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) | 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 Property will be offered for a particular business or whether a customer can bind that line without an issued policy..) | ## Full Comparison - [Markel Insurance vs THREE by Berkshire Hathaway](https://spot.insure/compare/markel-vs-three): all coverage lines, business roles, service and claims. - [What Is Commercial Property Insurance?](https://spot.insure/coverage/commercial-property): Commercial property insurance can protect buildings, equipment and inventory, while valuation, deductibles, exclusions and income protection affect your cost after a loss. - [Markel Insurance vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/markel-vs-three/cyber) - [Markel Insurance vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/markel-vs-three/directors-officers) - [Markel Insurance vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/markel-vs-three/employment-practices) - [Markel Insurance vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/markel-vs-three/equipment-breakdown) - [Markel Insurance vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/markel-vs-three/fiduciary) - [Markel Insurance vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/markel-vs-three/workers-compensation) - [AIG vs Markel Insurance Commercial Property Insurance](https://spot.insure/compare/aig-vs-markel/commercial-property) - [AIG vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/aig-vs-three/commercial-property) - [Alliance Risk vs Markel Insurance Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-markel/commercial-property) - [Alliance Risk vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-property) - [Aon vs Markel Insurance Commercial Property Insurance](https://spot.insure/compare/aon-vs-markel/commercial-property) - [Aon vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/aon-vs-three/commercial-property) ## Sources ### Markel Insurance 1. [About us](https://www.markel.com/about-us). Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc.. Accessed 2026-09-28. 2. [Markel Group Inc. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm). U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28. 3. [Commercial Property Insurance](https://www.markel.com/us/commercial/property/commercial-and-risk-management-property). Markel; What we offer; occupancy examples; coverage options; E&S primary or excess placement; policy wording.. Accessed 2026-09-30. ### 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. ### Commercial Property 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; What Should I Expect from a Broker-Agent; Commercial Property: Coverage Sections, Limits of Insurance, and Coinsurance; Covered Causes of Loss; Valuation Types; Inland Marine. Accessed 2026-09-16. 8. [Business Interruption Insurance/Businessowner’s Policies (BOP)](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16. 9. [Commercial property insurance guide](https://www.tdi.texas.gov/pubs/consumer/cb021.html). Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your insurance. 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. ## Markel Insurance Reviews Review Score: 7.5 / 10 from 2 rated sources, equally weighted. There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years. - J.D. Power: Commercial Lines Insurers agent satisfaction score 726 (out of 1,000). 2022 commercial-lines independent-agent satisfaction study and 2025 small-commercial customer study; these use different populations and measures Period: 2022. Checked 2026-09-29. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/business/press-releases/2025-us-small-commercial-insurance-study); [2022 U.S. Independent Agent Satisfaction Study](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf) - Trustpilot: TrustScore 2.5 (out of 5); 5 reviews. Trustpilot brand-level page for markel.com. It mixes products and is not mapped to one legal insurer. Checked 2026-09-29. [Markel Reviews](https://www.trustpilot.com/review/markel.com) - BBB: BBB business grade A+. BBB business profile for Markel Insurance Company headquarters/corporate-owned locations; review and complaint submissions may include other products and affiliates Checked 2026-09-29. [Markel Insurance Company Business Profile](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547); [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints) - BBB: Complaints 12; 12 reviews. BBB profile for Markel Insurance Company; complaints may include other Markel products and affiliates and BBB says not all submissions are displayed. Period: last 3 years, as displayed 2026-09-29. Checked 2026-09-29. [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/markel/reviews). ## THREE by Berkshire Hathaway Reviews Review Score: 7.3 / 10 from 2 rated sources, equally weighted. The inspected sources report separate measures: NerdWallet’s 4.0/5 editorial rating is excluded from the source-rating average; Trustpilot displayed 2.5/5 from five user posts and BBB displayed 4.8/5 from 265 reviews. Trustpilot and BBB include different purchase, service and agent/intermediary interactions, not a verified common policyholder cohort. BBB separately lists complaints. Any source-rating average weights eligible platforms equally and is not a pooled, representative customer-experience estimate or a claims-quality measure. - NerdWallet: NerdWallet editorial rating 4.0 (5 stars). NerdWallet editorial evaluation of THREE commercial insurance; updated May 11, 2026. Its methodology score is an editorial rating, not an average of consumer reviews or a claims study. Period: Updated 2026-05-11. Checked 2026-09-29. [Three Insurance review | NerdWallet](https://www.nerdwallet.com/business/insurance/learn/three-insurance) - Trustpilot: TrustScore 2.5 (5 stars); 5 reviews. Trustpilot page for threeinsurance.com checked 2026-09-29. Five user-posted reviews, one in prior 12 months; small self-selected population, review provenance not independently verified. Period: Displayed 2026-09-29. Checked 2026-09-29. [THREE Reviews | Trustpilot](https://uk.trustpilot.com/review/threeinsurance.com) - BBB: BBB customer review average 4.8 (5 stars); 265 reviews. BBB profile for THREE by Berkshire Hathaway, customer-review and complaints pages directly rechecked 2026-09-29. The customer-review population includes sales-agent/intermediary interactions and customer purchase/service reports; it is not a verified uniform policyholder or claims-outcome cohort. Average and complaints are distinct populations. BBB says third-party information may not be verified and complaint text may be incomplete. Period: Displayed 2026-09-29. Checked 2026-09-29. [THREE by Berkshire Hathaway customer reviews | BBB](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/customer-reviews?page=1); [THREE by Berkshire Hathaway complaints | BBB](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/complaints) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/three/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/markel-vs-three/commercial-property.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)