---
title: "Markel Insurance vs THREE by Berkshire Hathaway: Liquor Liability Insurance"
description: "Markel lists monoline or package liquor liability in most states and says assault-and-battery coverage is included under GL; THREE lists liquor liability only as a Business Owners Policy category if required."
canonical: "https://spot.insure/compare/markel-vs-three/liquor-liability"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "markel-vs-three"
provider-a: "markel"
provider-b: "three"
coverage-line: "liquor-liability"
---

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[Human-readable page](https://spot.insure/compare/markel-vs-three/liquor-liability)

## Agent Guide

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

**Key facts:**
- Line: Liquor Liability 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
- [Liquor Liability Insurance guide](https://spot.insure/coverage/liquor-liability) — 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 Inland Marine Insurance](https://spot.insure/compare/markel-vs-three/inland-marine) — 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)
- [Alliance Risk vs Markel Insurance Liquor Liability Insurance](https://spot.insure/compare/alliance-risk-vs-markel/liquor-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/liquor-liability) — sibling comparison (other line, or other pair for this line)
- [Corgi vs Markel Insurance Liquor Liability Insurance](https://spot.insure/compare/corgi-vs-markel/liquor-liability) — sibling comparison (other line, or other pair for this line)
- [Corgi vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/corgi-vs-three/liquor-liability) — sibling comparison (other line, or other pair for this line)
- [Coverdash vs Markel Insurance Liquor Liability Insurance](https://spot.insure/compare/coverdash-vs-markel/liquor-liability) — sibling comparison (other line, or other pair for this line)
- [Coverdash vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/coverdash-vs-three/liquor-liability) — sibling comparison (other line, or other pair for this line)

# Markel Insurance vs THREE by Berkshire Hathaway: How Do They Compare for Liquor Liability Insurance?

Markel lists monoline or package liquor liability in most states and says assault-and-battery coverage is included under GL; THREE lists liquor liability only as a Business Owners Policy category if required.

## How to Use the Markel Insurance vs THREE by Berkshire Hathaway Liquor Liability Insurance Comparison

Use this comparison to evaluate Markel Insurance and THREE by Berkshire Hathaway for Liquor Liability 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 Liquor Liability Insurance Summary

Markel describes monoline or package liquor coverage with assault-and-battery protection under GL, subject to wording. THREE markets liquor liability as a BOP category if required but publishes no separate limits or eligibility rules. [3](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property 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 Liquor Liability Insurance?

Liquor liability can cover claims tied to your business selling, serving or furnishing alcohol. If you run a bar, restaurant or event where you provide drinks, check how the quote treats injuries, property damage and occasional service. [7](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [8](https://assets-prod.nextinsurance.com/resources/gl-policy-specimen "General Liability Policy Specimen including Liquor Liability Coverage") [9](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form")

## What Are the Key Differences Between Markel Insurance and THREE by Berkshire Hathaway Liquor Liability Insurance?

### Package Versus Monoline

Markel Insurance lists liquor liability within Markel's small-business casualty offering and says monoline or package options are available in most states. It says assault-and-battery coverage is included under general liability in the described offering, though policy wording and jurisdiction control. THREE by Berkshire Hathaway presents liquor liability as a category in THREE's Business Owners Policy when required, rather than identifying a separate standalone policy on the reviewed page. Markel describes more than one placement structure; THREE buyers should verify whether the category appears in their individual quote and what wording applies. [3](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property 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 with help from licensed Small Business Advisors. Its sample policy names Berkshire Hathaway Direct Insurance Company, but that does not establish the issuer for every buyer. Markel's reviewed page does not publish liquor-specific limits or a comprehensive class list. Both buyers need quote documents to establish the actual insurer, limits and endorsements. [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/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance")

## What Should You Confirm in Markel Insurance and THREE by Berkshire Hathaway Liquor Liability Insurance Quotes?

- Ask THREE to confirm liquor liability appears in your BOP quote, its separate limit and eligibility; ask Markel for monoline versus package terms and assault-and-battery wording. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [3](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance")
- Verify the issuing insurer, premises, state, limits, defense costs and exclusions in the policy forms. [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") [3](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance")

## Markel Insurance vs THREE by Berkshire Hathaway Liquor Liability Compared

| Criteria | Markel liquor liability | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Markel lists liquor liability within its small-business casualty offering and says monoline or package options are available in most states. [3](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") (Evidence: Company-reported; scope: Availability varies by state/product; exact issuer not mapped..) | THREE presents Liquor Liability as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Company-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant..) |
| Issuing Insurer | Confirm in your quote. | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: This is the issuer named on the public sample only; the sample does not establish the issuing entity for every state-specific quote or buyer's issued policy..) |
| Who It’s For | The company page discusses liquor-liability solutions as part of its small-business casualty portfolio; no comprehensive eligible class list was reviewed. [3](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") (Evidence: Company-reported; scope: No universal eligibility conclusion..) | The reviewed product page does not state separate eligibility rules for Liquor Liability; 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 | Markel says assault-and-battery coverage is included under general liability in the described liquor-liability offering; policy wording and jurisdiction control. [3](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property "Small Business Casualty and Property Insurance") (Evidence: Company-reported; scope: Statement applies to described product only..) | THREE's Business Owners Policy page lists Liquor Liability (if required) 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 Liquor Liability. 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 Liquor Liability; 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 | 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 Liquor Liability 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 Liquor Liability Insurance?](https://spot.insure/coverage/liquor-liability): Liquor liability addresses claims arising from alcohol service; a bar, restaurant or event may need terms beyond its general liability policy.
- [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 Inland Marine Insurance](https://spot.insure/compare/markel-vs-three/inland-marine)
- [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)
- [Alliance Risk vs Markel Insurance Liquor Liability Insurance](https://spot.insure/compare/alliance-risk-vs-markel/liquor-liability)
- [Alliance Risk vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/liquor-liability)
- [Corgi vs Markel Insurance Liquor Liability Insurance](https://spot.insure/compare/corgi-vs-markel/liquor-liability)
- [Corgi vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/corgi-vs-three/liquor-liability)
- [Coverdash vs Markel Insurance Liquor Liability Insurance](https://spot.insure/compare/coverdash-vs-markel/liquor-liability)
- [Coverdash vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/coverdash-vs-three/liquor-liability)

## 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. [Small Business Casualty and Property Insurance](https://www.markel.com/us/commercial/small-business/small-business-casualty-and-property). Markel; What we offer; product/liability, property, general casualty, inland marine, excess umbrella, liquor liability, hired/non-owned auto, employee benefits liability, E&O and equipment breakdown references.. 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 Liquor Liability Insurance Guide

7. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
8. [General Liability Policy Specimen including Liquor Liability Coverage](https://assets-prod.nextinsurance.com/resources/gl-policy-specimen). NEXT Insurance; ISO wording; PDF pp.94–99 liquor form; p.100 BYOA endorsement; p.101 premises limitation. Accessed 2026-09-16.
9. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. 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

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