---
title: "Nationwide vs THREE by Berkshire Hathaway: Commercial Property Insurance"
description: "THREE presents property inside a combined Business Owners Policy with a named issuer on its sample policy, while Nationwide describes commercial property as a product overview."
canonical: "https://spot.insure/compare/nationwide-vs-three/commercial-property"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "nationwide-vs-three"
provider-a: "nationwide"
provider-b: "three"
coverage-line: "commercial-property"
---

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[Human-readable page](https://spot.insure/compare/nationwide-vs-three/commercial-property)

## Agent Guide

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

**Key facts:**
- Line: Commercial Property Insurance. Providers: Nationwide 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:**
- [Nationwide vs THREE by Berkshire Hathaway](https://spot.insure/compare/nationwide-vs-three) — parent: all coverage lines for this pair
- [Commercial Property Insurance guide](https://spot.insure/coverage/commercial-property) — coverage explainer for this line
- [Nationwide profile](https://spot.insure/insurance-providers/nationwide) — provider profile (evidence)
- [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence)
- [Nationwide vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/nationwide-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/nationwide-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/nationwide-vs-three/cyber) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/nationwide-vs-three/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/nationwide-vs-three/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/nationwide-vs-three/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/nationwide-vs-three/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/nationwide-vs-three/general-liability) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/nationwide-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/nationwide-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Nationwide vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/nationwide-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Nationwide Commercial Property Insurance](https://spot.insure/compare/aig-vs-nationwide/commercial-property) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/aig-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Nationwide Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Aon vs Nationwide Commercial Property Insurance](https://spot.insure/compare/aon-vs-nationwide/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Aon vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/aon-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line)

# Nationwide vs THREE by Berkshire Hathaway: How Do They Compare for Commercial Property Insurance?

THREE presents property inside a combined Business Owners Policy with a named issuer on its sample policy, while Nationwide describes commercial property as a product overview.

## How to Use the Nationwide vs THREE by Berkshire Hathaway Commercial Property Insurance Comparison

Use this comparison to evaluate Nationwide and THREE by Berkshire Hathaway for Commercial Property 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.

## Nationwide vs THREE by Berkshire Hathaway Commercial Property Insurance Summary

THREE offers Property as part of a Business Owners Policy and names its sample-policy issuer; Nationwide's page describes standalone commercial property in general terms. [4](https://www.nationwide.com/business/insurance/property/ "Commercial Property Insurance") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

## What Is Nationwide?

Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. [1](https://www.nationwide.com/business/insurance/small-commercial/ "Small Business Insurance") [2](https://www.nationwide.com/agents/business/ "Small Business Insurance Solutions for Agents") [3](https://www.nationwide.com/personal/about-us/terms-conditions "Terms and Conditions for Nationwide.com")

[Nationwide profile](https://spot.insure/insurance-providers/nationwide)

## 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. [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [6](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 Commercial Property Insurance?

Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop "Business Interruption Insurance/Businessowner’s Policies (BOP)") [10](https://www.tdi.texas.gov/pubs/consumer/cb021.html "Commercial property insurance guide")

## What Are the Key Differences Between Nationwide and THREE by Berkshire Hathaway Commercial Property Insurance?

### Package component or product page

THREE presents Property as one component of its combined Business Owners Policy, not as a separate standalone policy [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway"). Nationwide's page describes commercial property coverage for business buildings and property as its own product [4](https://www.nationwide.com/business/insurance/property/ "Commercial Property Insurance").

### What the issuer disclosures show

THREE's linked sample policy declarations identify Berkshire Hathaway Direct Insurance Company as issuer [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway"). Nationwide's reviewed page offers a marketing description and says actual coverage depends on the issued policy and jurisdiction [4](https://www.nationwide.com/business/insurance/property/ "Commercial Property Insurance").

### Limits and buying route

THREE says the quote-specific insurance summary lists limits and deductibles, and it points small businesses to an online quote with licensed advisors [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway"). Nationwide sets no universal limit or retention and directs prospects to an agent or quote request [4](https://www.nationwide.com/business/insurance/property/ "Commercial Property Insurance").

## What Should You Confirm in Nationwide and THREE by Berkshire Hathaway Commercial Property Insurance Quotes?

- Is property priced separately or inside the THREE package? [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")
- What limits and retentions appear in the Nationwide proposal? [4](https://www.nationwide.com/business/insurance/property/ "Commercial Property Insurance")
- Does your business qualify for the THREE route? [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

## Nationwide vs THREE by Berkshire Hathaway Commercial Property Compared

| Criteria | Nationwide commercial property (official overview) | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Nationwide describes offering commercial property for the audience stated on the cited product page. [4](https://www.nationwide.com/business/insurance/property/ "Commercial Property Insurance") (Evidence: Company-reported; scope: commercial property marketed by nationwide; 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 Property as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. [7](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. [6](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 | Businesses insuring commercial property; specific occupancy and terms depend on underwriting. [4](https://www.nationwide.com/business/insurance/property/ "Commercial Property Insurance") (Evidence: Company-reported; scope: commercial property marketed by nationwide; 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 Property; the general quote and advisor route is not proof that a particular business qualifies for it. [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](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 commercial property coverage for business buildings and property, with the page's stated coverage and occupancy qualifications. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [4](https://www.nationwide.com/business/insurance/property/ "Commercial Property Insurance") (Evidence: Company-reported; scope: commercial property marketed by nationwide; 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 Property 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. [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Official THREE package marketing for Property. 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. [4](https://www.nationwide.com/business/insurance/property/ "Commercial Property Insurance") (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 Property; THREE says the quote-specific insurance summary lists limits and deductibles. [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](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 directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. [4](https://www.nationwide.com/business/insurance/property/ "Commercial Property Insurance") (Evidence: Company-reported; scope: commercial property marketed by nationwide; 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. [5](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 Property will be offered for a particular business or whether a customer can bind that line without an issued policy..) |

## Related Pages for Nationwide vs THREE by Berkshire Hathaway

- [Nationwide vs THREE by Berkshire Hathaway](https://spot.insure/compare/nationwide-vs-three): all coverage lines, business roles, service and claims.
- [What Is Commercial Property Insurance?](https://spot.insure/coverage/commercial-property): Commercial property insurance can protect buildings, equipment and inventory, while valuation, deductibles, exclusions and income protection affect your cost after a loss.
- [Nationwide vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/nationwide-vs-three/business-owners-policy)
- [Nationwide vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/nationwide-vs-three/commercial-auto)
- [Nationwide vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/nationwide-vs-three/cyber)
- [Nationwide vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/nationwide-vs-three/directors-officers)
- [Nationwide vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/nationwide-vs-three/employment-practices)
- [Nationwide vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/nationwide-vs-three/equipment-breakdown)
- [Nationwide vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/nationwide-vs-three/fiduciary)
- [Nationwide vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/nationwide-vs-three/general-liability)
- [Nationwide vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/nationwide-vs-three/inland-marine)
- [Nationwide vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/nationwide-vs-three/professional-errors-omissions)
- [Nationwide vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/nationwide-vs-three/workers-compensation)
- [AIG vs Nationwide Commercial Property Insurance](https://spot.insure/compare/aig-vs-nationwide/commercial-property)
- [AIG vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/aig-vs-three/commercial-property)
- [Alliance Risk vs Nationwide Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-nationwide/commercial-property)
- [Alliance Risk vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-property)
- [Aon vs Nationwide Commercial Property Insurance](https://spot.insure/compare/aon-vs-nationwide/commercial-property)
- [Aon vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/aon-vs-three/commercial-property)

## Sources for Nationwide vs THREE by Berkshire Hathaway

### Sources About Nationwide

1. [Small Business Insurance](https://www.nationwide.com/business/insurance/small-commercial/). Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247.. Accessed 2026-09-29.
2. [Small Business Insurance Solutions for Agents](https://www.nationwide.com/agents/business/). Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193.. Accessed 2026-09-29.
3. [Terms and Conditions for Nationwide.com](https://www.nationwide.com/personal/about-us/terms-conditions). Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394.. Accessed 2026-09-29.
4. [Commercial Property Insurance](https://www.nationwide.com/business/insurance/property/). Nationwide; Commercial property page; buildings, business property, and property-in-transit coverage overview.. Accessed 2026-09-30.

### Sources About THREE by Berkshire Hathaway

5. [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.
6. [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.
7. [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 Commercial Property Insurance Guide

8. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; What Should I Expect from a Broker-Agent; Commercial Property: Coverage Sections, Limits of Insurance, and Coinsurance; Covered Causes of Loss; Valuation Types; Inland Marine. Accessed 2026-09-16.
9. [Business Interruption Insurance/Businessowner’s Policies (BOP)](https://content.naic.org/cipr-topics/business-interruptionbusinessowners-policies-bop). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16.
10. [Commercial property insurance guide](https://www.tdi.texas.gov/pubs/consumer/cb021.html). Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your insurance. 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.

## Nationwide Review Scores for 2026

Review Score: 7.8 / 10 from 4 rated sources, equally weighted.

Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.

- NerdWallet: NerdWallet rating 4.5 (out of 5). NerdWallet's editorial small-business review of Nationwide, updated 2026-06-03. It is an expert score, not a customer average. The page header shows 4.5 and a partner card on the same page shows 4.0; the 4.5 is the review's own headline rating. Period: review updated 2026-06-03. Checked 2026-09-29. [Nationwide Business Insurance Review 2026](https://www.nerdwallet.com/business/insurance/learn/nationwide-business-insurance)
- J.D. Power: 2025 Small Commercial satisfaction index 707 (out of 1,000); 2848 reviews. 2025 U.S. Small Commercial Insurance Study: 2,848 U.S. businesses with 50 or fewer employees, fielded Mar-May 2025. Nationwide scored 707 against a study average of 698. A 2026 study was published 2026-08-20 (average 713); Nationwide's 2026 score was not found. Period: 2025 study. Checked 2026-09-29. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/sites/default/files/file/2025-08/2025092%20U.S.%20Small%20Commercial%20Insurance%20Study.pdf); [U.S. Small Commercial Insurance Study](https://www.jdpower.com/business/u-s-small-commercial-insurance-study/); [Rates, Digital Support Boost Small Business Insurance Customer Satisfaction: JD Power](https://www.carriermanagement.com/news/2026/08/20/291242.htm)
- Trustpilot: TrustScore 1.3 (out of 5); 261 reviews. Nationwide's main Trustpilot page. It mixes personal and commercial customers; it cannot be separated. The page text says 1.3 out of 5 while an embedded badge image text said 1.5; we use the visible text score. Period: 69 reviews in the prior 12 months (checked 2026-09-29). Checked 2026-09-29. [Nationwide Reviews](https://www.trustpilot.com/review/nationwide.com)
- ConsumerAffairs: ConsumerAffairs auto average 1.5 (out of 5); 1091 reviews. ConsumerAffairs Nationwide personal auto page (1,091 reviews displayed). Personal auto, not commercial. Period: checked 2026-09-29. Checked 2026-09-29. [Nationwide Auto Insurance Reviews](https://www.consumeraffairs.com/insurance/nationwide_auto.html)
- ConsumerAffairs: ConsumerAffairs rating 2.5 (out of 5); 19 reviews. ConsumerAffairs Nationwide Small Business Insurance page; unclaimed profile; small-business customers. Screenshot captured 2026-09-29. Period: page updated Aug. 14, 2026; captured 2026-09-29. Checked 2026-09-29. [Nationwide Small Business Insurance Reviews](https://www.consumeraffairs.com/insurance/nationwide-small-business-insurance.html)
- BBB: BBB business grade A+. BBB Nationwide profile at the Columbus, Ohio headquarters (BBB Accredited). Covers all Nationwide products, not just commercial. Checked 2026-09-29. [Nationwide BBB Complaints Profile](https://www.bbb.org/us/oh/columbus/profile/insurance-companies/nationwide-0302-2388/complaints)
- BBB: Complaints 111. Same BBB headquarters profile; all Nationwide products, no premium denominator. BBB warns complaint details may be incomplete. The page also shows 269 customer reviews but no star average. Period: closed in the last three years (checked 2026-09-29). Checked 2026-09-29. [Nationwide BBB customer reviews](https://www.bbb.org/us/oh/columbus/profile/insurance-companies/nationwide-0302-2388/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/nationwide/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/nationwide-vs-three/commercial-property.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)