---
title: "Marsh vs THREE by Berkshire Hathaway: Cyber Insurance"
description: "Marsh brokers cyber placements and offers claims advocacy, while THREE lists cyber as a Business Owners Policy category."
canonical: "https://spot.insure/compare/marsh-vs-three/cyber"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "marsh-vs-three"
provider-a: "marsh"
provider-b: "three"
coverage-line: "cyber"
---

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-vs-three/cyber)

## Agent Guide

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

**Key facts:**
- Line: Cyber Insurance. Providers: Marsh 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 vs THREE by Berkshire Hathaway](https://spot.insure/compare/marsh-vs-three) — parent: all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — coverage explainer for this line
- [Marsh profile](https://spot.insure/insurance-providers/marsh) — provider profile (evidence)
- [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence)
- [Marsh vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/marsh-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Marsh vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/marsh-vs-three/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Marsh vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/marsh-vs-three/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Marsh vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/marsh-vs-three/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [Marsh vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/marsh-vs-three/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Marsh vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Marsh vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/marsh-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Marsh Cyber Insurance](https://spot.insure/compare/aig-vs-marsh/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/aig-vs-three/cyber) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Marsh Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/cyber) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-three/cyber) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Marsh Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-marsh/cyber) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-three/cyber) — sibling comparison (other line, or other pair for this line)

# Marsh vs THREE by Berkshire Hathaway: How Do They Compare for Cyber Insurance?

Marsh brokers cyber placements and offers claims advocacy, while THREE lists cyber as a Business Owners Policy category.

## How to Use the Marsh vs THREE by Berkshire Hathaway Cyber Insurance Comparison

Use this comparison to evaluate Marsh and THREE by Berkshire Hathaway for Cyber 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 vs THREE by Berkshire Hathaway Cyber Insurance Summary

Marsh describes cyber placement and claims support; THREE’s product page lists cyber without describing claims assistance. [8](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") [11](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [10](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

## What Is Marsh?

Marsh suits technology and larger businesses seeking specialist cyber placement or broad global risk advice; small firms wanting a quick standard quote should compare its MMA route or digital agencies. [1](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [2](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [3](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [4](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management")

[Marsh profile](https://spot.insure/insurance-providers/marsh)

## 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. [9](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [10](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 Cyber Insurance?

Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. [12](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance") [13](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf "CyberEdge specimen policy")

## What Are the Key Differences Between Marsh and THREE by Berkshire Hathaway Cyber Insurance?

### Coverage and service detail

Marsh’s cyber practice places coverage and describes claims advocacy; its MMA offering includes cyber placement for middle-market buyers. THREE lists Cyber Liability in its combined Business Owners Policy but does not detail claims support on the product page. For a claim-sensitive buyer, ask Marsh how its advocacy works and ask THREE who manages cyber claims under the issued policy. [5](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [11](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Buying route and policy specifics

Marsh’s reviewed pages do not name an issuing insurer or buyer-specific limits, while THREE provides an online package quote and a sample policy naming its issuer. This makes the quote and policy documents decisive for both options. Ask for comparable cyber limits, retentions, carrier identity, and any cyber coverage shared with other package lines. [8](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") [10](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

## What Should You Confirm in Marsh and THREE by Berkshire Hathaway Cyber Insurance Quotes?

- For Marsh, name the carrier and state the cyber limits, retentions, and claims-advocacy scope. [7](https://www.marsh.com/en/services/cyber-risk/expertise/claims-advocacy.html "Claims Advocacy")
- For THREE, show the cyber limit, deductible, insurer, and whether its package shares limits with other lines. [11](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

## Marsh vs THREE by Berkshire Hathaway Cyber Insurance Compared

| Criteria | Marsh Cyber Insurance Brokerage | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Marsh's cyber risk practice places and advises on cyber insurance brokerage; it does not underwrite the policies it places. [5](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") (Evidence: Company-reported; scope: Marsh corporate cyber insurance product page..)<br><br>Marsh McLennan Agency (MMA), Marsh's middle-market subsidiary, places cyber coverage and acts as a carrier liaison, combining placement with claims advocacy. [8](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") (Evidence: Company-reported; scope: MMA cyber solutions page..) | THREE presents Cyber as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. [11](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 | The reviewed pages do not name a specific cyber insurer for a standard placement. Marsh's Cyber ECHO excess facility lets clients choose underwriting from Lloyd's of London syndicates, company markets or Bermuda-based insurers, so the carrier varies by placement. [6](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html "Cyber ECHO") (Evidence: Not publicly disclosed; scope: Cyber ECHO facility page, which covers excess layers rather than every primary policy Marsh places..) | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [10](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 | MMA says any company can benefit from cyber coverage, but prioritizes organizations that store significant customer data, run large customer databases or hold valuable digital assets. [8](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") (Evidence: Company-reported; scope: MMA cyber solutions FAQ; MMA describes its own client base as middle-market organizations generally..) | The reviewed product page does not state separate eligibility rules for Cyber; the general quote and advisor route is not proof that a particular business qualifies for it. [11](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [9](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 | MMA lists incident investigation and response costs, network interruption/extra expense, extortion and ransomware payments, data restoration, and security and privacy liability as core cyber coverages, with media liability, privacy regulatory defense and reputation-based income loss available as additional coverages. [8](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") (Evidence: Company-reported; scope: MMA cyber solutions page; actual policy wording and insurer vary by placement..) | THREE's Business Owners Policy page lists Cyber 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. [11](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [10](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Official THREE package marketing for Cyber. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy..) |
| Limits and Retentions | Marsh says its Cyber ECHO excess facility can provide over $200 million of cyber capacity per client, with a free first reinstatement and a paid second reinstatement for separate cyber events within a policy year. [6](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html "Cyber ECHO") (Evidence: Company-reported; scope: Cyber ECHO facility page; describes excess capacity Marsh can arrange, not a standard primary limit..) | The reviewed public product page does not state a separate limit or deductible for Cyber; THREE says the quote-specific insurance summary lists limits and deductibles. [11](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [10](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 | You engage a named Marsh or MMA cyber specialist to design a placement; the reviewed pages describe advisor-led placement and risk analytics rather than an online self-serve quote. [5](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [8](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") (Evidence: Company-reported; scope: Marsh and MMA cyber pages, which list dedicated cyber brokerage and placement leaders..) | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. [9](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 Cyber will be offered for a particular business or whether a customer can bind that line without an issued policy..) |
| Claims Support | Marsh's global claims and incident-management specialists review cyber claims, support litigation management and work with forensic accountants to prepare proof of loss, advocating with insurers on the client's behalf. [7](https://www.marsh.com/en/services/cyber-risk/expertise/claims-advocacy.html "Claims Advocacy") (Evidence: Company-reported; scope: Claims Advocacy expertise page; recovery outcomes described as company-reported and not independently verified..) | Confirm in your quote. |

## Related Pages for Marsh vs THREE by Berkshire Hathaway Cyber Insurance

- [Marsh vs THREE by Berkshire Hathaway](https://spot.insure/compare/marsh-vs-three): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [Marsh vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/marsh-vs-three/commercial-property)
- [Marsh vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/marsh-vs-three/directors-officers)
- [Marsh vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/marsh-vs-three/employment-practices)
- [Marsh vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/marsh-vs-three/equipment-breakdown)
- [Marsh vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/marsh-vs-three/fiduciary)
- [Marsh vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-vs-three/professional-errors-omissions)
- [Marsh vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/marsh-vs-three/workers-compensation)
- [AIG vs Marsh Cyber Insurance](https://spot.insure/compare/aig-vs-marsh/cyber)
- [AIG vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/aig-vs-three/cyber)
- [Alliance Risk vs Marsh Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/cyber)
- [Alliance Risk vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-three/cyber)
- [Amelia Risk vs Marsh Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-marsh/cyber)
- [Amelia Risk vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-three/cyber)

## Sources for Marsh vs THREE by Berkshire Hathaway Cyber Insurance

### Sources About Marsh

1. [Marsh | Leader in risk, strategy, people, and investments](https://www.marsh.com/en/home.html). Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
2. [Compensation guide for US clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf). Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
3. [Marsh McLennan Agency (MMA)](https://www.marsh.com/en/services/marsh-mclennan-agency.html). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
4. [Technology | Insurance Broking & Risk Management](https://www.marsh.com/en/industries/technology.html). Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
5. [Cyber Insurance](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html). Marsh; Opening brokerage positioning; products list including Cyber Pathway, Cyber Accelerate, Claims Advocacy, CyberPort, Cyber ECHO; Rachel Lavender, US and Canada Cyber Brokerage Leader. Accessed 2026-09-23.
6. [Cyber ECHO](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html). Marsh; New for 2026: over $200 million capacity; free first reinstatement and paid second reinstatement; one underwriting lead and two claims leads per panel; Lloyd's, company markets or Bermuda-based insurers. Accessed 2026-09-23.
7. [Claims Advocacy](https://www.marsh.com/en/services/cyber-risk/expertise/claims-advocacy.html). Marsh; Global claims specialists negotiating cyber coverage issues; proof of loss with forensic accountants. Accessed 2026-09-23.
8. [Cyber Insurance | MMA](https://www.marshmma.com/us/solutions/cyber.html). Marsh McLennan Agency; Benefits of Cyber: understand, mitigate, respond, recover; Cyber Coverage list (incident investigation and response, network interruption, extortion/ransomware, data restoration, security and privacy liability, additional coverages); FAQ: Who needs cyber insurance coverage?. Accessed 2026-09-23.

### Sources About THREE by Berkshire Hathaway

9. [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.
10. [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.
11. [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 Cyber Insurance Guide

12. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance). Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
13. [CyberEdge specimen policy](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf). AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. 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 Review Scores for 2026

Review Score: 5.8 / 10 from 2 rated sources, equally weighted.

Marsh’s global Trustpilot profile has a poor 1.3/5 score. Treat it as a service warning to investigate with your proposed team; it does not isolate US commercial accounts.

- Trustpilot: TrustScore 1.3 (0–5 stars); 115 reviews. Global brand profile across products/countries, not U.S. commercial-only. Period: 35 reviews in prior 12 months. Checked 2026-09-25. [Marsh Reviews | Trustpilot](https://www.trustpilot.com/review/www.marsh.com)
- Buzdy (Google review aggregation): Google reviews shown by Buzdy 4.5 (0–5 stars); 4 reviews. Named Marsh (Hong Kong) Limited office in Quarry Bay, Hong Kong. Buzdy states ratings/counts are powered by Google. Foreign local office only; not the U.S. Marsh brokerage or a firmwide score. Period: Listing verification 2026-07-29; accessed 2026-09-25. Checked 2026-09-25. [Marsh (Hong Kong) Limited | Buzdy](https://buzdy.com/viewMerchant/marsh-hong-kong-limited-hong-kong)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/marsh/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-vs-three/cyber.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)