--- title: "Marsh vs THREE by Berkshire Hathaway: Equipment Breakdown Insurance" description: "Marsh places equipment breakdown within custom data-center programs and site-specific risk studies; THREE lists the line in its small-business BOP." canonical: "https://spot.insure/compare/marsh-vs-three/equipment-breakdown" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "marsh-vs-three" provider-a: "marsh" provider-b: "three" coverage-line: "equipment-breakdown" --- 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/equipment-breakdown) ## Agent Guide **What this page is:** Focused comparison of Marsh and THREE by Berkshire Hathaway for Equipment Breakdown 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 Equipment Breakdown 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 Equipment Breakdown Insurance: how do they differ? - Which is better for Equipment Breakdown Insurance, Marsh or THREE by Berkshire Hathaway? - What does Marsh or THREE by Berkshire Hathaway publish about Equipment Breakdown Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Equipment Breakdown Insurance from Marsh or THREE by Berkshire Hathaway? **Key facts:** - Line: Equipment Breakdown 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 2026-10-01. 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 - [Equipment Breakdown Insurance guide](https://spot.insure/coverage/equipment-breakdown) — 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 Cyber Insurance](https://spot.insure/compare/marsh-vs-three/cyber) — 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 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 Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-marsh/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [AIG vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-three/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Marsh Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-three/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs Marsh Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-marsh/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-three/equipment-breakdown) — sibling comparison (other line, or other pair for this line) # Marsh vs THREE by Berkshire Hathaway: How Do They Compare for Equipment Breakdown Insurance? Marsh places equipment breakdown within custom data-center programs and site-specific risk studies; THREE lists the line in its small-business BOP. ## How to Use the Marsh vs THREE by Berkshire Hathaway Equipment Breakdown Insurance Comparison Use this comparison to evaluate Marsh and THREE by Berkshire Hathaway for Equipment Breakdown 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 Equipment Breakdown Insurance Summary Marsh describes equipment breakdown within custom data-center insurance programs and site-specific loss studies; THREE lists the line as part of its combined BOP. [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - 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. [6](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [7](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 Equipment Breakdown Insurance? Equipment-breakdown coverage can help repair covered machinery or building equipment after a mechanical or electrical failure. It fits businesses that depend on equipment to operate; check whether lost income, spoilage and utility failures are included. [9](https://www.iii.org/article/understanding-commercial-package-policies "Understanding Commercial Package Policies") [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://www.travelers.com/risk-control/specialties/equipment-breakdown "Equipment Breakdown") [12](https://www.munichre.com/content/dam/munichre/hsb/hsb-iic/documents/hsb-techadvantage-equipment-breakdown-coverage-form.pdf/_jcr_content/renditions/original./hsb-techadvantage-equipment-breakdown-coverage-form.pdf "HSB TechAdvantage Equipment Breakdown Coverage Form") ## What Are the Key Differences Between Marsh and THREE by Berkshire Hathaway Equipment Breakdown Insurance? ### Data-Center Program or Small-Business Package Marsh’s technology and digital-infrastructure team describes equipment breakdown among the risks it places inside custom data-center programs, alongside property damage and business interruption. Its page does not describe a standalone equipment-breakdown product. THREE lists the coverage as part of its combined BOP and directs small-business prospects through its general online quote. A data-center operator and a smaller business should compare the proposals in their operating context rather than treating the shared line name as identical scope. [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") ### Site-Specific Risk Work Marsh says its risk consultants perform detailed loss studies, including probable-maximum-loss analysis, to size data-center equipment and other exposures using site conditions and asset values. THREE lists Equipment Breakdown in its combined BOP. A buyer can use Marsh’s site-specific approach to frame asset questions, then ask whether engineering or valuation work is part of the THREE proposal. [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ## What Should You Confirm in Marsh and THREE by Berkshire Hathaway Equipment Breakdown Insurance Quotes? - Ask Marsh whether the program includes a loss study for each facility and how equipment values affect the proposed limit. [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") - Ask THREE how equipment breakdown changes the applicable property wording, including machinery stoppage terms, limits, and deductible. [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [7](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") ## Marsh vs THREE by Berkshire Hathaway Equipment Breakdown Compared | Criteria | Marsh Equipment Breakdown Insurance | THREE Business Owners Policy | | --- | --- | --- | | Role in This Line | Marsh's technology and digital infrastructure team arranges equipment breakdown coverage inside custom data center insurance programs. The reviewed page does not describe a standalone product. [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") (Evidence: Company-reported; scope: Data center insurance and risk management page..) | THREE presents Equipment Breakdown as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. [8](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 page does not name a specific equipment breakdown insurer. [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") (Evidence: Not publicly disclosed; scope: Data center insurance page as read on 2026-09-23..) | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [7](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 | Marsh names equipment breakdown among the main risks facing data center owners and operators, citing asset concentration and high-value, sensitive equipment as reasons a standard property policy can leave gaps for this exposure. [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") (Evidence: Company-reported; scope: Data center insurance page, Understanding your full exposure map section..) | The reviewed product page does not state separate eligibility rules for Equipment Breakdown; the general quote and advisor route is not proof that a particular business qualifies for it. [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](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 | Marsh lists equipment breakdown among the exposures a data center program can cover, alongside property damage, business interruption, delay in startup, cyber, general liability and some contractual risks. [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") (Evidence: Company-reported; scope: Data center insurance page FAQ; described as one line among several bundled into a data center program, not a standalone equipment breakdown product..) | THREE's Business Owners Policy page lists Equipment Breakdown, while its sample policy also excludes some machinery, equipment, or listed vehicles that stop without an accident. The public materials do not establish how an offered equipment-breakdown item changes that sample exclusion. [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [7](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Company marketing and the displayed sample policy only; the selected quote, state-specific forms, and endorsements determine whether a specific equipment breakdown loss is covered..) | | Limits and Retentions | Confirm in your quote. | The reviewed public product page does not state a separate limit or deductible for Equipment Breakdown; THREE says the quote-specific insurance summary lists limits and deductibles. [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [7](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible..) | | Risk Services | Marsh says its risk consulting team performs detailed loss studies, including probable maximum loss (PML) analysis, to help right-size coverage for equipment and other exposures based on site-specific conditions and asset values. [5](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html "Data center insurance and risk management") (Evidence: Company-reported; scope: Data center insurance page, Right-sizing coverage section; described for data center property and equipment risk generally..) | Confirm in your quote. | | How to Apply | Confirm in your quote. | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. [6](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 Equipment Breakdown will be offered for a particular business or whether a customer can bind that line without an issued policy..) | ## Related Pages for Marsh vs THREE by Berkshire Hathaway - [Marsh vs THREE by Berkshire Hathaway](https://spot.insure/compare/marsh-vs-three): all coverage lines, business roles, service and claims. - [What Is Equipment Breakdown Insurance?](https://spot.insure/coverage/equipment-breakdown): Equipment breakdown can help repair covered machinery after mechanical or electrical failure; check whether downtime, spoilage and utility interruption are also covered. - [Marsh vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/marsh-vs-three/commercial-property) - [Marsh vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/marsh-vs-three/cyber) - [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 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 Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-marsh/equipment-breakdown) - [AIG vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-three/equipment-breakdown) - [Alliance Risk vs Marsh Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/equipment-breakdown) - [Alliance Risk vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-three/equipment-breakdown) - [The Baldwin Group vs Marsh Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-marsh/equipment-breakdown) - [The Baldwin Group vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-three/equipment-breakdown) ## Sources for Marsh vs THREE by Berkshire Hathaway ### 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. [Data center insurance and risk management](https://www.marsh.com/en/industries/technology/expertise/data-center-insurance-and-risk-management-services.html). Marsh; Understanding your full exposure map: Physical asset damage; Closing the gaps in conventional coverage table; FAQs: What does data center insurance typically cover? (property damage, equipment breakdown, business interruption, delay in startup, cyber exposures, general liability, selected contractual risks); What are the main risks facing data center owners and operators today?. Accessed 2026-09-23. ### Sources About THREE by Berkshire Hathaway 6. [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. 7. [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. 8. [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 Equipment Breakdown Insurance Guide 9. [Understanding Commercial Package Policies](https://www.iii.org/article/understanding-commercial-package-policies). Insurance Information Institute; Available CPP additions: Equipment breakdown. Accessed 2026-09-16. 10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Boiler and Machinery; Commercial Property: Covered Causes of Loss; Commercial Property: Time Element; Inland Marine; Coverage Forms and/or Specialty Coverages. Accessed 2026-09-16. 11. [Equipment Breakdown](https://www.travelers.com/risk-control/specialties/equipment-breakdown). Travelers; Definition and equipment list. Accessed 2026-09-16. 12. [HSB TechAdvantage Equipment Breakdown Coverage Form](https://www.munichre.com/content/dam/munichre/hsb/hsb-iic/documents/hsb-techadvantage-equipment-breakdown-coverage-form.pdf/_jcr_content/renditions/original./hsb-techadvantage-equipment-breakdown-coverage-form.pdf). The Hartford Steam Boiler Inspection and Insurance Company; G.1 Accident, PDF p.17; A.2.a–c p.1; C.2 pp.8–9; C pp.8–9; D pp.9–10; E.10 Valuation, PDF pp.13–14; G.10–11 pp.18–19; A.2.n p.5 (Off Premises Equipment Breakdown); A.2.p pp.5–6; A.2.r p.6; G.18 p.20 (Interruption of Service). 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 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/equipment-breakdown.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)