---
title: "Marsh McLennan Agency vs THREE by Berkshire Hathaway: Employment Practices Liability Insurance"
description: "Marsh McLennan Agency describes an executive-liability placement for employers and gives examples of discrimination, harassment, and equal-opportunity claims with defense costs and damages; THREE by Berkshire Hathaway presents Employment Practices Liability within its combined Business Owners Policy (BOP), and its linked sample policy identifies Berkshire Hathaway Direct Insurance Company as issuer."
canonical: "https://spot.insure/compare/marsh-mclennan-agency-vs-three/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "marsh-mclennan-agency-vs-three"
provider-a: "marsh-mclennan-agency"
provider-b: "three"
coverage-line: "employment-practices"
---

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[Human-readable page](https://spot.insure/compare/marsh-mclennan-agency-vs-three/employment-practices)

## Agent Guide

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

**Key facts:**
- Line: Employment Practices Liability 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 2026-09-30. 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
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — 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 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 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)
- [AIG vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/employment-practices) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-three/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Aon vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-marsh-mclennan-agency/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Aon vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-three/employment-practices) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency/employment-practices) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-three/employment-practices) — sibling comparison (other line, or other pair for this line)

# Marsh McLennan Agency vs THREE by Berkshire Hathaway: How Do They Compare for Employment Practices Liability Insurance?

Marsh McLennan Agency describes an executive-liability placement for employers and gives examples of discrimination, harassment, and equal-opportunity claims with defense costs and damages; THREE by Berkshire Hathaway presents Employment Practices Liability within its combined Business Owners Policy (BOP), and its linked sample policy identifies Berkshire Hathaway Direct Insurance Company as issuer.

## Research Scope and Use

Use this comparison to evaluate Marsh McLennan Agency and THREE by Berkshire Hathaway for Employment Practices 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.

## Summary

Marsh McLennan Agency describes an executive-liability placement for employers and gives examples of discrimination, harassment, and equal-opportunity claims with defense costs and damages; THREE by Berkshire Hathaway presents Employment Practices Liability within its combined Business Owners Policy (BOP), and its linked sample policy identifies Berkshire Hathaway Direct Insurance Company as issuer. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

## What Is 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 Employment Practices Liability Insurance?

EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. [7](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") [8](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228 "Employment Practices Liability Coverage") [9](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228 "Liability Coverage Terms and Conditions")

## Key Differences in Employment Practices Liability Insurance

### Coverage Details and Plan Fit

THREE by Berkshire Hathaway presents Employment Practices Liability within its combined Business Owners Policy (BOP), and its linked sample policy identifies Berkshire Hathaway Direct Insurance Company as issuer. Marsh McLennan Agency describes an executive-liability placement for employers and gives examples of discrimination, harassment, and equal-opportunity claims with defense costs and damages. For a buyer looking at a package route versus an adviser-arranged EPL placement, the key distinction is where the line appears in the product: ask whether EPL is included in the actual THREE by Berkshire Hathaway quote or merely listed as a category. [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")

### Placement and Buyer Questions

THREE by Berkshire Hathaway advertises an online quote with help from licensed Small Business Advisors; Marsh McLennan Agency asks the employer to contact an adviser or specialist. Neither page establishes identical eligibility or limits, so the quote declarations and EPL wording matter more than the package label. [4](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA")

## What to Confirm in Employment Practices Liability Insurance Quotes

- Ask THREE by Berkshire Hathaway whether EPL appears on this specific BOP quote, what limit applies, and whether the named sample-policy issuer is also the quoted issuer. [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")
- Ask Marsh McLennan Agency which insurer and policy form it proposes, including limits and exclusions for the listed allegations. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA")

## Offering Details

| Criteria | Marsh McLennan Agency employment practices (official overview) | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Marsh McLennan Agency describes arranging employment practices 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: employment practices 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 Employment Practices 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 | Employers and organizations seeking executive liability solutions; claim and policy conditions remain form-specific. [3](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: employment practices 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 Employment Practices 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 | The cited product page describes EPL for employment-related claims such as discrimination, harassment, or failure to provide equal employment opportunity, including described defense costs and damages. 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: employment practices 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 Employment Practices Liability 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 Employment Practices 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 | 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 Employment Practices 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 | 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: employment practices 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 Employment Practices Liability will be offered for a particular business or whether a customer can bind that line without an issued policy..) |

## Full Comparison

- [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 Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): EPLI can address covered workplace claims from applicants and workers; claim timing, defense arrangements, limits and exclusions shape your protection.
- [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 Fiduciary Liability Insurance](https://spot.insure/compare/marsh-mclennan-agency-vs-three/fiduciary)
- [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)
- [AIG vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/employment-practices)
- [AIG vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-three/employment-practices)
- [Aon vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-marsh-mclennan-agency/employment-practices)
- [Aon vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-three/employment-practices)
- [The Baldwin Group vs Marsh McLennan Agency Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-marsh-mclennan-agency/employment-practices)
- [The Baldwin Group vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/baldwin-vs-three/employment-practices)

## Sources

### 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; Employment Practices Liability section; example employment claims, defense costs, and damages.. 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.

### Employment Practices Liability Insurance Guide

7. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
8. [Employment Practices Liability Coverage](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228). Travelers; I.A/II.A p.1; III.A.4–6 p.7; II.F Employment Claim, PDF p.2; I.B p.1; II.U–V p.5; II.L p.3; III.A.9 and A.13, pp.7–8; III.B.2 p.8; IV.A Settlement, PDF pp.8–9. Accessed 2026-09-16.
9. [Liability Coverage Terms and Conditions](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228). Travelers; III.F–H p.6; III.O pp.8–9; III.F p.6; III.B–D, PDF pp.3–5; III.E–F, PDF pp.5–6. 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.

## Marsh McLennan Agency Reviews

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 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/marsh-mclennan-agency-vs-three/employment-practices.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)