---
title: "Newfront vs THREE by Berkshire Hathaway: Commercial Auto Insurance"
description: "Newfront brokers auto liability with claims advocacy and risk controls, while THREE lists Business Auto in its combined BOP and offers online quoting."
canonical: "https://spot.insure/compare/newfront-vs-three/commercial-auto"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "newfront-vs-three"
provider-a: "newfront"
provider-b: "three"
coverage-line: "commercial-auto"
---

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

## Agent Guide

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

**Key facts:**
- Line: Commercial Auto Insurance. Providers: Newfront 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:**
- [Newfront vs THREE by Berkshire Hathaway](https://spot.insure/compare/newfront-vs-three) — parent: all coverage lines for this pair
- [Commercial Auto Insurance guide](https://spot.insure/coverage/commercial-auto) — coverage explainer for this line
- [Newfront profile](https://spot.insure/insurance-providers/newfront) — provider profile (evidence)
- [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence)
- [Newfront vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/newfront-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Newfront vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/newfront-vs-three/general-liability) — sibling comparison (other line, or other pair for this line)
- [Newfront vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/newfront-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Newfront vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/newfront-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Newfront Commercial Auto Insurance](https://spot.insure/compare/aig-vs-newfront/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/aig-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Newfront Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Aon vs Newfront Commercial Auto Insurance](https://spot.insure/compare/aon-vs-newfront/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Aon vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/aon-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line)

# Newfront vs THREE by Berkshire Hathaway: How Do They Compare for Commercial Auto Insurance?

Newfront brokers auto liability with claims advocacy and risk controls, while THREE lists Business Auto in its combined BOP and offers online quoting.

## Research Scope and Use

Use this comparison to evaluate Newfront and THREE by Berkshire Hathaway for Commercial Auto 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

Newfront places auto liability through its casualty practice and says its team manages claims through resolution with integrated risk-control resources. THREE lists Business Auto as a BOP category and offers an online quote with advisor help. [5](https://www.newfront.com/casualty-insurance "Casualty") [6](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

## What Is Newfront?

Newfront suits growing and enterprise businesses seeking specialist insurance and benefits teams plus Navigator policy tools; small firms wanting an instant direct quote should compare online carriers. Its Partner Management tool is included in client service agreements. [1](https://www.newfront.com/business-insurance "Business Insurance") [2](https://www.newfront.com/total-rewards "Employee Benefits") [3](https://www.newfront.com/navigator "Newfront Navigator") [4](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront "WTW Completes Acquisition Of Newfront")

[Newfront profile](https://spot.insure/insurance-providers/newfront)

## 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 Commercial Auto Insurance?

Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://content.naic.org/insurance-topics/auto-insurance "Auto Insurance") [11](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/business-vehicle-insurance "Business Vehicle Insurance") [12](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf "Business Auto Coverage Form")

## Key Differences in Commercial Auto Insurance

### Auto liability and fleet scope

Newfront’s casualty practice brokers auto liability and lists it alongside general liability, product liability, workers’ compensation, umbrella, and environmental liability. Its page addresses motor-vehicle accidents for companies of every size without specifying a fleet-size or industry cutoff. THREE lists Business Auto within its combined BOP, a package route that may not fit a buyer seeking only auto liability. Ask whether each proposal covers owned and employee-used vehicles and what liability limits apply. [5](https://www.newfront.com/casualty-insurance "Casualty") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Claims and risk-control support

Newfront says its casualty claims team manages claims through resolution and offers integrated risk controls to mitigate exposures and reduce claim frequency and cost. THREE’s reviewed offering describes an online quote and licensed advisor help but does not name comparable claims advocacy. A buyer should compare who will assist after an accident, and whether the quote includes collision or physical-damage cover in addition to the auto-liability placement Newfront describes. [5](https://www.newfront.com/casualty-insurance "Casualty") [6](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

## What to Confirm in Commercial Auto Insurance Quotes

- Ask Newfront which carrier and liability limits are proposed and whether physical damage is included. [5](https://www.newfront.com/casualty-insurance "Casualty")
- Ask THREE whether Business Auto is available separately and what claims support applies. [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")
- Compare claims contacts, risk services, and vehicle schedules. [5](https://www.newfront.com/casualty-insurance "Casualty") [6](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

## Offering Details

| Criteria | Newfront Auto Liability Insurance | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Newfront's casualty practice brokers auto liability coverage. It negotiates placement and program structure with carriers rather than underwriting the risk itself. [5](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: Casualty offering page; auto liability is one of several coverages the casualty practice places..) | THREE presents Business Auto 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 casualty page does not name the insurer or insurers that would issue an auto liability policy placed through Newfront. [5](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Not publicly disclosed; scope: Casualty page as read on 2026-09-23; carrier depends on the specific placement..) | 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 | Newfront says it addresses "the rise in motor vehicle accidents" as part of casualty risk for companies of every size and scope, without naming a fleet-size or industry cutoff for auto liability specifically. [5](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: Casualty page intro paragraph; general framing, not a stated eligibility rule..) | The reviewed product page does not state separate eligibility rules for Business Auto; 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 | Newfront lists Auto Liability among the Key Coverages of its casualty program, alongside general liability, product liability, workers' compensation, umbrella/excess liability, and environmental and pollution liability. [5](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: Casualty page Key Coverages list; no description of auto-specific limits, endorsements or fleet-safety requirements..) | THREE's Business Owners Policy page lists Business Auto 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. [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: Official THREE package marketing for Business Auto. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy..) |
| Limits and Retentions | Newfront's casualty page does not publish limits, deductibles, retentions or program structures (such as guaranteed-cost versus large-deductible) specific to auto liability. [5](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Not publicly disclosed; scope: Casualty page as read on 2026-09-23; program-structure options are described only in general terms for casualty overall..) | The reviewed public product page does not state a separate limit or deductible for Business Auto; 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 | Newfront says its casualty practice provides claims advocacy and integrated risk control resources to help clients mitigate risk exposures and reduce claim frequency and costs, alongside market intelligence from carrier relationships. [5](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: Claims Advocacy & Risk Control and Market Intelligence sections; described casualty-wide, not auto-specific..) | Confirm in your quote. |
| How to Apply | You start an auto liability placement by requesting a consultation through Newfront's casualty page. [5](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: Casualty page call-to-action; no online quoting or binding described..) | 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 Business Auto will be offered for a particular business or whether a customer can bind that line without an issued policy..) |
| Claims Support | Newfront says its casualty claims advocacy team manages claims through resolution, which would include an auto liability claim. [5](https://www.newfront.com/casualty-insurance "Casualty") (Evidence: Company-reported; scope: The Newfront Difference section; casualty-wide description, not an auto-specific claims workflow..) | Confirm in your quote. |

## Full Comparison

- [Newfront vs THREE by Berkshire Hathaway](https://spot.insure/compare/newfront-vs-three): all coverage lines, business roles, service and claims.
- [What Is Commercial Auto Insurance?](https://spot.insure/coverage/commercial-auto): Commercial auto covers liability from vehicles used for work, with vehicle damage and employee personal or rented cars requiring separate quote checks.
- [Newfront vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/newfront-vs-three/commercial-property)
- [Newfront vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/newfront-vs-three/general-liability)
- [Newfront vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/newfront-vs-three/professional-errors-omissions)
- [Newfront vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/newfront-vs-three/workers-compensation)
- [AIG vs Newfront Commercial Auto Insurance](https://spot.insure/compare/aig-vs-newfront/commercial-auto)
- [AIG vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/aig-vs-three/commercial-auto)
- [Alliance Risk vs Newfront Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/commercial-auto)
- [Alliance Risk vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-auto)
- [Aon vs Newfront Commercial Auto Insurance](https://spot.insure/compare/aon-vs-newfront/commercial-auto)
- [Aon vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/aon-vs-three/commercial-auto)

## Sources

### Newfront

1. [Business Insurance](https://www.newfront.com/business-insurance). Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
2. [Employee Benefits](https://www.newfront.com/total-rewards). Newfront; Employee Benefits heading; Tailored Solutions; Comprehensive Expertise: Benefits, Global Benefits, Compensation and Retirement. Accessed 2026-09-16.
3. [Newfront Navigator](https://www.newfront.com/navigator). Newfront; Total Access. Real Confidence; Explore What You Can Do in Navigator; product demonstration image. Accessed 2026-09-15.
4. [WTW Completes Acquisition Of Newfront](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront). WTW; 27 January 2026 release; completion announcement and allocation of Business Insurance and Total Rewards to WTW segments. Accessed 2026-09-15.
5. [Casualty](https://www.newfront.com/casualty-insurance). Newfront; Casualty intro: addressing the rise in motor vehicle accidents; Key Coverages to Protect Your Business: Auto Liability; Claims Advocacy & Risk Control; Market Intelligence. Accessed 2026-09-23.

### 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.

### Commercial Auto Insurance Guide

9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial Automobile: Coverage, Classification and Limits. Accessed 2026-09-16.
10. [Auto Insurance](https://content.naic.org/insurance-topics/auto-insurance). NAIC; Coverages. Accessed 2026-09-16.
11. [Business Vehicle Insurance](https://www.iii.org/publication/insuring-your-business-small-business-owners-guide-to-insurance/specific-coverages/business-vehicle-insurance). Insurance Information Institute; Will My Personal Auto Policy Cover Business Use?; What Vehicles Are Covered?; What Coverage Do I Need if Employees Drive Their Personal Vehicles for Business?; Does a Business Umbrella Cover Autos?; Do I Need a Business Auto Policy?; Be Sure the Right Insured Is on the Policy. Accessed 2026-09-16.
12. [Business Auto Coverage Form](https://nationalgeneral.com/forms_catalog/CA0001_10012013.pdf). Insurance Services Office, Inc.; hosted by National General; I.A, printed/PDF page 1; II.A.1, printed/PDF page 2; III.C–D, printed/PDF page 6; II.B.6, printed/PDF page 3; III.B.3, printed/PDF page 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.

## Newfront Reviews

Review Score: 10.0 / 10 from 1 rated source, equally weighted.

Newfront has too little firmwide customer feedback for a reliable review verdict. An individual agent’s BBB grade does not establish the wider company’s service quality.

- BBB: BBB grade A (BBB letter grade). BBB profile for Ryan Tice | Newfront Insurance at a San Francisco address. Individual-producer/local listing, not Newfront Insurance Services company-wide. BBB profile displays A grade and says not BBB Accredited; grade is not customer stars. Period: File opened 2023-12-22; accessed 2026-09-25. Checked 2026-09-25. [Ryan Tice | Newfront Insurance | BBB](https://www.bbb.org/us/ca/san-francisco/profile/insurance-agency/ryan-tice---newfront-insurance-1116-955130)

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