--- title: "Marsh McLennan Agency vs THREE by Berkshire Hathaway: D&O Insurance" description: "THREE lists D&O within its combined BOP rather than identifying a separate D&O policy on the reviewed page; Marsh McLennan Agency describes defense costs for wrongful acts." canonical: "https://spot.insure/compare/marsh-mclennan-agency-vs-three/directors-officers" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "marsh-mclennan-agency-vs-three" provider-a: "marsh-mclennan-agency" provider-b: "three" coverage-line: "directors-officers" --- 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/marsh-mclennan-agency-vs-three/directors-officers) ## Agent Guide **What this page is:** Focused comparison of Marsh McLennan Agency and THREE by Berkshire Hathaway for D&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 D&O Insurance questions about Marsh McLennan Agency 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:** - Marsh McLennan Agency vs THREE by Berkshire Hathaway for D&O Insurance: how do they differ? - Which is better for D&O Insurance, Marsh McLennan Agency or THREE by Berkshire Hathaway? - What does Marsh McLennan Agency or THREE by Berkshire Hathaway publish about D&O Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for D&O Insurance from Marsh McLennan Agency or THREE by Berkshire Hathaway? **Key facts:** - Line: D&O Insurance. Providers: Marsh McLennan Agency 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:** - [Marsh McLennan Agency vs THREE by Berkshire Hathaway](https://spot.insure/compare/marsh-mclennan-agency-vs-three) — parent: all coverage lines for this pair - [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — coverage explainer for this line - [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) — provider profile (evidence) - [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence) - [Marsh McLennan Agency vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Marsh McLennan Agency vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line) - [Marsh McLennan Agency vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-three/cyber) — sibling comparison (other line, or other pair for this line) - [Marsh McLennan Agency vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-three/employment-practices) — sibling comparison (other line, or other pair for this line) - [Marsh McLennan Agency vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-three/fiduciary) — sibling comparison (other line, or other pair for this line) - [Marsh McLennan Agency vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-three/general-liability) — sibling comparison (other line, or other pair for this line) - [Marsh McLennan Agency vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Marsh McLennan Agency vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Marsh McLennan Agency D&O Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/directors-officers) — sibling comparison (other line, or other pair for this line) - [AIG vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/aig-vs-three/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Marsh McLennan Agency D&O Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/alliance-risk-vs-three/directors-officers) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Marsh McLennan Agency D&O Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/directors-officers) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/amelia-risk-vs-three/directors-officers) — sibling comparison (other line, or other pair for this line) # Marsh McLennan Agency vs THREE by Berkshire Hathaway: How Do They Compare for D&O Insurance? THREE lists D&O within its combined BOP rather than identifying a separate D&O policy on the reviewed page; Marsh McLennan Agency describes defense costs for wrongful acts. ## How to Use the Marsh McLennan Agency vs THREE by Berkshire Hathaway D&O Insurance Comparison Use this comparison to evaluate Marsh McLennan Agency and THREE by Berkshire Hathaway for D&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. ## Marsh McLennan Agency vs THREE by Berkshire Hathaway D&O Insurance Summary THREE presents D&O as a combined Business Owners Policy category; Marsh McLennan Agency’s D&O claim identifies defense costs for alleged wrongful acts. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") ## What Is Marsh McLennan Agency? Marsh McLennan Agency provides business insurance and employee health and benefits, alongside retirement, wealth, and private-client services across the United States and Canada. Its US small-business page lists six common coverage types and directs buyers to request a personalized quote by phone; the insurer and terms for a specific placement must be confirmed in the proposal. [1](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [2](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions") [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) ## 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 Directors and Officers Insurance? D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. [7](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [8](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [9](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage") ## What Are the Key Differences Between Marsh McLennan Agency and THREE by Berkshire Hathaway D&O Insurance? ### Package category versus stated defense feature THREE presents Directors & Officers as a category in its combined Business Owners Policy; its scope says the page does not establish that the category appears in every applicant’s quote. Marsh McLennan Agency’s D&O claim describes defense costs for alleged wrongful acts. A package buyer therefore needs to verify two different things in the quote: whether the THREE category is selected and what defense-cost wording appears in MMA’s proposed form. Neither marketing description substitutes for the declarations. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") ### Package selection and policy-specific figures THREE’s sample policy says the insurance summary lists limits and deductibles, while cautioning that the sample does not establish terms for a buyer’s quote or issued policy. MMA’s selected claim describes defense costs for wrongful acts. Those facts point to two documents to compare: verify that D&O is selected in THREE’s package, then read the actual declarations and defense-cost wording in each proposal. The sample issuer and sample terms should not be attributed to an individual THREE buyer. [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") ## What Should You Confirm in Marsh McLennan Agency and THREE by Berkshire Hathaway D&O Insurance Quotes? - Ask THREE to confirm D&O appears in your BOP quote and request the buyer-specific declarations and limits. [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") - Ask Marsh McLennan Agency to provide the limit, retention and defense-cost wording for its proposed D&O policy. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") ## Marsh McLennan Agency vs THREE by Berkshire Hathaway D&O Compared | Criteria | Marsh McLennan Agency directors officers (official overview) | THREE Business Owners Policy | | --- | --- | --- | | Role in This Line | Marsh McLennan Agency describes arranging directors officers for the audience stated on the cited product page. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: directors officers marketed by marsh-mclennan-agency; 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 Directors and Officers 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 | Corporate executives, board members, and their organizations, as described by the source. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: directors officers marketed by marsh-mclennan-agency; 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 Directors and Officers; 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 D&O for alleged wrongful acts by directors or officers, including described defense costs for civil and criminal actions and investigations. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: directors officers marketed by marsh-mclennan-agency; 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 Directors & Officers 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 Directors and Officers. 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.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (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 Directors and Officers; 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 organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: directors officers marketed by marsh-mclennan-agency; 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 Directors and Officers will be offered for a particular business or whether a customer can bind that line without an issued policy..) | ## Related Pages for Marsh McLennan Agency vs THREE by Berkshire Hathaway - [Marsh McLennan Agency vs THREE by Berkshire Hathaway](https://spot.insure/compare/marsh-mclennan-agency-vs-three): all coverage lines, business roles, service and claims. - [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote. - [Marsh McLennan Agency vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-three/commercial-auto) - [Marsh McLennan Agency vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-three/commercial-property) - [Marsh McLennan Agency vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-three/cyber) - [Marsh McLennan Agency vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-three/employment-practices) - [Marsh McLennan Agency vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-three/fiduciary) - [Marsh McLennan Agency vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-three/general-liability) - [Marsh McLennan Agency vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-three/professional-errors-omissions) - [Marsh McLennan Agency vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-three/workers-compensation) - [AIG vs Marsh McLennan Agency D&O Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/directors-officers) - [AIG vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/aig-vs-three/directors-officers) - [Alliance Risk vs Marsh McLennan Agency D&O Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/directors-officers) - [Alliance Risk vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/alliance-risk-vs-three/directors-officers) - [Amelia Risk vs Marsh McLennan Agency D&O Insurance](https://spot.insure/compare/amelia-risk-vs-marsh-mclennan-agency/directors-officers) - [Amelia Risk vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/amelia-risk-vs-three/directors-officers) ## Sources for Marsh McLennan Agency vs THREE by Berkshire Hathaway ### Sources About Marsh McLennan Agency 1. [Who We Are](https://www.marshmma.com/us/mma/about-us.html). Marsh McLennan Agency; Lines 193-195: ‘a business of Marsh’ and company-listed service lines across US and Canada. This does not establish the legal entity for an account, corporate ownership chart, or insurer role.. Accessed 2026-09-29. 2. [Small Business Insurance Solutions](https://www.marshmma.com/us/solutions/small-business.html). Marsh McLennan Agency; Lines 205-207: small-business audience and call invitation; lines 224-249 list six coverage categories and short descriptions; line 264 is an embedded form whose function is not stated. No form submitted.. Accessed 2026-09-29. 3. [Executive and Professional Liability | MMA](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). Marsh McLennan Agency; Directors and Officers section; claims for alleged wrongful acts and defense costs.. Accessed 2026-09-30. ### 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 D&O Insurance Guide 7. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16. 8. [The Chubb Primary Directors & Officers and Entity Securities Liability Insurance](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf). Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16. 9. [Private Company Directors and Officers Liability Coverage](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95). Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. 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. ## Marsh McLennan Agency Review Scores for 2026 Review Score: 8.2 / 10 from 2 rated sources, equally weighted. There are almost no public customer reviews of Marsh McLennan Agency (MMA). Trustpilot shows 3.2 out of 5, but from a single review, and BBB shows an A grade with four complaints closed in three years. - Trustpilot: TrustScore 3.2 (out of 5); 1 reviews. Trustpilot profile for marshmma.com, MMA's own domain. Unclaimed; MMA has not invited reviews. Period: checked 2026-09-29. Checked 2026-09-29. [marshmma.com Trustpilot profile](https://www.trustpilot.com/review/marshmma.com) - Trustpilot: TrustScore (Marsh brand) 1.3 (out of 5); 115 reviews. Trustpilot page for marsh.com, the global Marsh brand (mostly individual and non-US customers). This is a different entity from MMA. Period: checked 2026-09-29. Checked 2026-09-29. [Marsh Reviews](https://www.trustpilot.com/review/www.marsh.com) - BBB: BBB business grade A. BBB San Diego-area profile for Marsh & McLennan Agency LLC (accredited). MMA has separate BBB profiles per office; Dayton and Schaumburg both show A+. Checked 2026-09-29. [Marsh & McLennan Agency LLC (San Diego) BBB](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103) - BBB: Complaints 4. Same San Diego-area profile; zero customer reviews. No client-count denominator. Period: closed in the last three years (checked 2026-09-29). Checked 2026-09-29. [Marsh & McLennan Agency LLC — BBB Complaints](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/complaints); [Marsh & McLennan Agency LLC — BBB Reviews](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/marsh-mclennan-agency/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/marsh-mclennan-agency-vs-three/directors-officers.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)