--- title: "Markel Insurance vs THREE by Berkshire Hathaway: Inland Marine Insurance" description: "Markel describes inland marine across multiple industries and equipment exposures; THREE lists it within a Business Owners Policy and routes buyers to an online quote and advisor." canonical: "https://spot.insure/compare/markel-vs-three/inland-marine" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "markel-vs-three" provider-a: "markel" provider-b: "three" coverage-line: "inland-marine" --- 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/inland-marine) ## Agent Guide **What this page is:** Focused comparison of Markel Insurance and THREE by Berkshire Hathaway for Inland Marine 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 Inland Marine 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 Inland Marine Insurance: how do they differ? - Which is better for Inland Marine Insurance, Markel Insurance or THREE by Berkshire Hathaway? - What does Markel Insurance or THREE by Berkshire Hathaway publish about Inland Marine Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Inland Marine Insurance from Markel Insurance or THREE by Berkshire Hathaway? **Key facts:** - Line: Inland Marine 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 - [Inland Marine Insurance guide](https://spot.insure/coverage/inland-marine) — 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 Commercial Property Insurance](https://spot.insure/compare/markel-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line) - [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 General Liability Insurance](https://spot.insure/compare/markel-vs-three/general-liability) — sibling comparison (other line, or other pair for this line) - [Markel Insurance vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/markel-vs-three/liquor-liability) — sibling comparison (other line, or other pair for this line) - [Markel Insurance vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/markel-vs-three/professional-errors-omissions) — 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 Inland Marine Insurance](https://spot.insure/compare/aig-vs-markel/inland-marine) — sibling comparison (other line, or other pair for this line) - [AIG vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/aig-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Markel Insurance Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-markel/inland-marine) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Markel Insurance Inland Marine Insurance](https://spot.insure/compare/baldwin-vs-markel/inland-marine) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/baldwin-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line) # Markel Insurance vs THREE by Berkshire Hathaway: How Do They Compare for Inland Marine Insurance? Markel describes inland marine across multiple industries and equipment exposures; THREE lists it within a Business Owners Policy and routes buyers to an online quote and advisor. ## How to Use the Markel Insurance vs THREE by Berkshire Hathaway Inland Marine Insurance Comparison Use this comparison to evaluate Markel Insurance and THREE by Berkshire Hathaway for Inland Marine 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. ## Markel Insurance vs THREE by Berkshire Hathaway Inland Marine Insurance Summary Markel lists transit, jobsite materials, leased equipment, installation and rigging across sectors. THREE includes inland marine among its Business Owners Policy categories, with an online quote and licensed advisor assistance. [3](https://www.markel.com/us/commercial/property/inland-marine "Commercial Inland Marine Insurance") [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - 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 Inland Marine Insurance? If your business moves equipment between sites or ships goods, inland marine can cover those property exposures; installation and other forms address different property categories. Match the quote to what you own, rent or hold for others. [7](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [8](https://www.dms.myflorida.com/content/download/132333/823484/SoF_Policy_CE_17-18_UM00056635MA17A.pdf "Inland Marine Policy: Contractors’ Equipment") ## What Are the Key Differences Between Markel Insurance and THREE by Berkshire Hathaway Inland Marine Insurance? ### Standalone Range and Package Listing Markel Insurance offers inland marine across several industries and describes coverage for property in transit, jobsite materials, leased equipment, installation and rigging. THREE by Berkshire Hathaway presents inland marine as a component of THREE's combined Business Owners Policy rather than identifying a standalone policy on the reviewed page. That distinction matters if your business needs to combine mobile property with other small-business coverages; Markel buyers can ask about the specific inland-marine product, while THREE buyers should verify the line is part of their particular quote. [3](https://www.markel.com/us/commercial/property/inland-marine "Commercial Inland Marine Insurance") [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ### Quote and Issuer THREE directs small-business prospects to an online quote and licensed Small Business Advisors. Its sample policy identifies Berkshire Hathaway Direct Insurance Company, but the sample does not establish the issuer on every policy. Markel says inland-marine specialists may use site or desktop surveys. Ask THREE to confirm the policy schedule and insurer, and Markel whether it needs an equipment survey before quoting. [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://www.markel.com/us/commercial/property/inland-marine "Commercial Inland Marine Insurance") ## What Should You Confirm in Markel Insurance and THREE by Berkshire Hathaway Inland Marine Insurance Quotes? - Ask THREE whether inland marine appears on your package quote and which insurer will issue it; ask Markel what survey and property schedule it needs. [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") [3](https://www.markel.com/us/commercial/property/inland-marine "Commercial Inland Marine Insurance") - Compare covered items, transit and storage territory, limits, deductibles and exclusions in the actual policy forms. [4](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [3](https://www.markel.com/us/commercial/property/inland-marine "Commercial Inland Marine Insurance") ## Markel Insurance vs THREE by Berkshire Hathaway Inland Marine Compared | Criteria | Markel commercial inland marine | THREE Business Owners Policy | | --- | --- | --- | | Role in This Line | Markel offers inland marine products across construction, transportation, railroad, technology, medical, renewable energy, golf, education, entertainment and equipment sales/rental. [3](https://www.markel.com/us/commercial/property/inland-marine "Commercial Inland Marine Insurance") (Evidence: Company-reported; scope: Page lists example sectors and does not claim universal appetite..) | THREE presents Inland Marine 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 page describes tailored solutions for property in transit, jobsite materials, leased equipment, installation and rigging exposures. [3](https://www.markel.com/us/commercial/property/inland-marine "Commercial Inland Marine Insurance") (Evidence: Company-reported; scope: Examples; specific class eligibility is underwritten..) | The reviewed product page does not state separate eligibility rules for Inland Marine; 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 | Confirm in your quote. | THREE's Business Owners Policy page lists Inland Marine 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 Inland Marine. 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 Inland Marine; 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..) | | Risk Services | Markel says inland-marine specialists may use on-site or desktop surveys and provide risk strategies; these are company-described services, not measured outcomes. [3](https://www.markel.com/us/commercial/property/inland-marine "Commercial Inland Marine Insurance") (Evidence: Company-reported; scope: Company-reported service descriptions..) | Confirm in your quote. | | How to Apply | Confirm in your quote. | 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 Inland Marine will be offered for a particular business or whether a customer can bind that line without an issued policy..) | ## Related Pages for Markel Insurance vs THREE by Berkshire Hathaway - [Markel Insurance vs THREE by Berkshire Hathaway](https://spot.insure/compare/markel-vs-three): all coverage lines, business roles, service and claims. - [What Is Inland Marine Insurance?](https://spot.insure/coverage/inland-marine): Inland marine covers specialized property exposures such as equipment moved between sites, installed property and goods in transit; the quote must match what you own or hold. - [Markel Insurance vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/markel-vs-three/commercial-property) - [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 General Liability Insurance](https://spot.insure/compare/markel-vs-three/general-liability) - [Markel Insurance vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/markel-vs-three/liquor-liability) - [Markel Insurance vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/markel-vs-three/professional-errors-omissions) - [Markel Insurance vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/markel-vs-three/workers-compensation) - [AIG vs Markel Insurance Inland Marine Insurance](https://spot.insure/compare/aig-vs-markel/inland-marine) - [AIG vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/aig-vs-three/inland-marine) - [Alliance Risk vs Markel Insurance Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-markel/inland-marine) - [Alliance Risk vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-three/inland-marine) - [The Baldwin Group vs Markel Insurance Inland Marine Insurance](https://spot.insure/compare/baldwin-vs-markel/inland-marine) - [The Baldwin Group vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/baldwin-vs-three/inland-marine) ## Sources for Markel Insurance vs THREE by Berkshire Hathaway ### Sources About 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 Inland Marine Insurance](https://www.markel.com/us/commercial/property/inland-marine). Markel; What we offer; inland marine classes, cargo, contractors equipment, transportation and coverage structure.. 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 Inland Marine 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; Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery. Accessed 2026-09-16. 8. [Inland Marine Policy: Contractors’ Equipment](https://www.dms.myflorida.com/content/download/132333/823484/SoF_Policy_CE_17-18_UM00056635MA17A.pdf). Markel American Insurance Company / American Association of Insurance Services; hosted by Florida Department of Management Services; PDF p.8 declarations; attached Contractors’ Equipment printed pp.1–13 (PDF pp.18–30); replacement-cost endorsement PDF p.34. 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 Review Scores for 2026 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 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 - [Markdown page](https://spot.insure/compare/markel-vs-three/inland-marine.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)