---
title: "Newfront vs THREE by Berkshire Hathaway: Equipment Breakdown Insurance"
description: "Newfront names equipment breakdown in its property practice and describes property-wide risk engineers; THREE lists it in its BOP."
canonical: "https://spot.insure/compare/newfront-vs-three/equipment-breakdown"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "newfront-vs-three"
provider-a: "newfront"
provider-b: "three"
coverage-line: "equipment-breakdown"
---

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

## Agent Guide

**What this page is:** Focused comparison of Newfront 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 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 Equipment Breakdown Insurance: how do they differ?
- Which is better for Equipment Breakdown Insurance, Newfront or THREE by Berkshire Hathaway?
- What does Newfront 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 Newfront or THREE by Berkshire Hathaway?

**Key facts:**
- Line: Equipment Breakdown 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 2026-10-01. 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
- [Equipment Breakdown Insurance guide](https://spot.insure/coverage/equipment-breakdown) — 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 Auto Insurance](https://spot.insure/compare/newfront-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [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 Cyber Insurance](https://spot.insure/compare/newfront-vs-three/cyber) — sibling comparison (other line, or other pair for this line)
- [Newfront vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/newfront-vs-three/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Newfront vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/newfront-vs-three/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Newfront vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/newfront-vs-three/fiduciary) — 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 Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-newfront/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 Newfront Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/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 Newfront Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-newfront/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)

# Newfront vs THREE by Berkshire Hathaway: How Do They Compare for Equipment Breakdown Insurance?

Newfront names equipment breakdown in its property practice and describes property-wide risk engineers; THREE lists it in its BOP.

## How to Use the Newfront vs THREE by Berkshire Hathaway Equipment Breakdown Insurance Comparison

Use this comparison to evaluate Newfront 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.

## Newfront vs THREE by Berkshire Hathaway Equipment Breakdown Insurance Summary

Newfront names equipment breakdown as a property-practice risk and describes in-house risk engineers for property placements generally; THREE lists the line in its combined BOP. [5](https://www.newfront.com/property-insurance "Property") [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")

## 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 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 Newfront and THREE by Berkshire Hathaway Equipment Breakdown Insurance?

### How Specifically the Line Is Described

Newfront’s property page names equipment breakdown as one of the risks its practice addresses, but its itemized property coverages do not separately describe covered equipment or breakdown triggers. THREE’s BOP page lists Equipment Breakdown; its sample policy also excludes some equipment stoppages without an accident, without explaining how the quoted line changes that wording. The shared category name therefore leaves both buyers with a form-level question, especially for a machine whose failure can halt production. [5](https://www.newfront.com/property-insurance "Property") [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")

### Property Risk Engineering

Newfront says its property placements are paired with in-house risk engineers for loss control, a service described across property risks rather than specifically for equipment breakdown. THREE’s product page lists Equipment Breakdown as a BOP category. A facility manager can ask both providers whether an engineer will review machinery exposures and what equipment information the underwriter needs. [5](https://www.newfront.com/property-insurance "Property") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

## What Should You Confirm in Newfront and THREE by Berkshire Hathaway Equipment Breakdown Insurance Quotes?

- Ask Newfront which carrier and equipment-breakdown wording it proposes, and whether a risk engineer will review the relevant assets. [5](https://www.newfront.com/property-insurance "Property")
- Ask THREE whether the selected line changes the sample policy’s stoppage exclusion, and request its scheduled limit and deductible. [7](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

## Newfront vs THREE by Berkshire Hathaway Equipment Breakdown Compared

| Criteria | Newfront Equipment Breakdown Insurance | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Newfront's property practice offers equipment-breakdown solutions as one of the risks it names on its property page. It brokers and negotiates placement rather than underwriting the risk itself. [5](https://www.newfront.com/property-insurance "Property") (Evidence: Company-reported; scope: Property offering page hero statement, which names equipment breakdown alongside natural disaster and supply-chain risk..) | 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 property page does not name the insurer or insurers that would issue an equipment-breakdown policy placed through Newfront. [5](https://www.newfront.com/property-insurance "Property") (Evidence: Not publicly disclosed; scope: Property 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 | Confirm in your quote. | 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 | Newfront's property page names equipment breakdown as a risk it addresses in its opening statement, but its itemized Key Coverages list for property (All-Risks, business interruption, flood, windstorm/earthquake, wildfire, terrorism, cargo stock throughput) does not include a separate equipment-breakdown line item or describe covered equipment types. [5](https://www.newfront.com/property-insurance "Property") (Evidence: Company-reported; scope: Property page as read on 2026-09-23; the mention is introductory rather than a detailed coverage description..) | 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 | The reviewed property page does not publish limits, deductibles or retentions for equipment-breakdown coverage. [5](https://www.newfront.com/property-insurance "Property") (Evidence: Not publicly disclosed; scope: Property page as read on 2026-09-23..) | 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 | Newfront says its property placements are paired with in-house risk engineers for loss control, intended to maximize the return on a client's risk-improvement capital, which could apply to equipment-related risk. [5](https://www.newfront.com/property-insurance "Property") (Evidence: Company-reported; scope: Loss Control & Claims Advocacy section; described property-wide, not specific to equipment breakdown..) | Confirm in your quote. |
| How to Apply | You start an equipment-breakdown placement by requesting a consultation through Newfront's property page. [5](https://www.newfront.com/property-insurance "Property") (Evidence: Company-reported; scope: Property 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 Equipment Breakdown will be offered for a particular business or whether a customer can bind that line without an issued policy..) |
| Claims Support | The reviewed property page does not describe an equipment-breakdown-specific claims process separate from its general property claims-advocacy and coverage-negotiation support. [5](https://www.newfront.com/property-insurance "Property") (Evidence: Not found in reviewed sources; scope: Property page as read on 2026-09-23..) | Confirm in your quote. |

## Related Pages for Newfront vs THREE by Berkshire Hathaway

- [Newfront vs THREE by Berkshire Hathaway](https://spot.insure/compare/newfront-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.
- [Newfront vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/newfront-vs-three/commercial-auto)
- [Newfront vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/newfront-vs-three/commercial-property)
- [Newfront vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/newfront-vs-three/cyber)
- [Newfront vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/newfront-vs-three/directors-officers)
- [Newfront vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/newfront-vs-three/employment-practices)
- [Newfront vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/newfront-vs-three/fiduciary)
- [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 Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-newfront/equipment-breakdown)
- [AIG vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/aig-vs-three/equipment-breakdown)
- [Alliance Risk vs Newfront Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/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 Newfront Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-newfront/equipment-breakdown)
- [The Baldwin Group vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/baldwin-vs-three/equipment-breakdown)

## Sources for Newfront vs THREE by Berkshire Hathaway

### Sources About 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. [Property](https://www.newfront.com/property-insurance). Newfront; Property hero: "Whether it's a natural disaster, supply chain constraints interrupting your business, or equipment breakdown, Newfront has solutions to protect your assets"; Loss Control & Claims Advocacy; Key Coverages to Protect Your Business. 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.

## Newfront Review Scores for 2026

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 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/newfront-vs-three/equipment-breakdown.md)
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