---
title: "Newfront vs THREE"
description: "Newfront begins with a consultation request for businesses from early stage to established; THREE offers an online quote route for small businesses."
canonical: "https://spot.insure/compare/newfront-vs-three"
page-type: "provider-comparison"
updated-at: "2026-09-30"
---

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/newfront-vs-three)

# Newfront vs THREE

Newfront begins with a consultation request for businesses from early stage to established; THREE offers an online quote route for small businesses.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Highlights

Newfront begins with a consultation request for businesses from early stage to established; THREE offers an online quote route for small businesses. Newfront may fit a buyer seeking broker coordination across casualty lines, while THREE is a self-directed starting point for a smaller risk. [9](https://www.newfront.com/talk-to-an-expert "Get Started Today") [8](https://www.newfront.com/business-insurance "Business Insurance") [10](https://www.newfront.com/casualty-insurance "Casualty") [35](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [44](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE")

## Provider Reliability Assessments

These sourced assessments are shown for context; this comparison does not select a winner.

### Newfront

Role: Broker.

Broker Spot Score: **5.0/10** (partial score; 15% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/newfront/reliability).

### THREE by Berkshire Hathaway

Role: Insurance carrier.

Carrier & MGA Spot Score: **Not Rated**. Assessed 2026-09-29; review due 2027-03-29.

Read the [full reliability assessment](https://spot.insure/insurance-providers/three/reliability).

## 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).





## Coverage Comparison

| Coverage Type | Newfront | THREE by Berkshire Hathaway |
| --- | --- | --- |
| [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Not listed | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [44](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [36](https://threeinsurance.com/the-policy "The Policy") |
| [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Listed: Newfront lists cargo stock throughput among the coverages its property team handles. [13](https://www.newfront.com/property-insurance "Property") | Not listed |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed: As of September 16, 2026, Newfront lists auto liability within its casualty placement services. [10](https://www.newfront.com/casualty-insurance "Casualty") | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [44](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [36](https://threeinsurance.com/the-policy "The Policy") |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Listed: As of September 16, 2026, Newfront markets property placement services and review of property and business-interruption values. [13](https://www.newfront.com/property-insurance "Property") | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [44](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [36](https://threeinsurance.com/the-policy "The Policy") |
| [Crime](https://spot.insure/coverage/crime) | Listed: As of September 16, 2026, Newfront lists fidelity and crime within its executive-risk services. [11](https://www.newfront.com/executive-risk "Executive Risk") | Not listed |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed: Newfront places cyber insurance, negotiates policy wording and provides claims consultation. [12](https://www.newfront.com/cyber-insurance "Cyber Risk") | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [44](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [36](https://threeinsurance.com/the-policy "The Policy") |
| [Digital assets](https://spot.insure/coverage/digital-assets) | Listed: Newfront offers brokerage services for digital-asset businesses, including custody and theft risk discussions. [19](https://www.newfront.com/industries/blockchain-and-cryptocurrency "Digital Assets & Blockchain") | Not listed |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed: Newfront lists D&O for private and public companies within its executive-risk services. [11](https://www.newfront.com/executive-risk "Executive Risk") | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [44](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") |
| [Employee health and benefits](https://spot.insure/coverage/employee-health-benefits) | Listed: Newfront offers employee-benefits advice and program design, including funding and pharmacy strategies. [24](https://www.newfront.com/total-rewards "Employee Benefits") [25](https://www.newfront.com/total-rewards/strategic-planning "Strategic Planning") | Not listed |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed: Newfront lists employment practices liability within its executive-risk placement and coverage-negotiation services. [11](https://www.newfront.com/executive-risk "Executive Risk") | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [44](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") |
| [Equipment breakdown](https://spot.insure/coverage/equipment-breakdown) | Listed: Newfront offers equipment breakdown solutions through its property practice. [13](https://www.newfront.com/property-insurance "Property") | Listed: THREE lists equipment breakdown within the package; its displayed sample excludes machinery, equipment or listed vehicles that stop without an accident. Check the quoted form for the actual protection. [44](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [36](https://threeinsurance.com/the-policy "The Policy") |
| [Fidelity bonds](https://spot.insure/coverage/fidelity-bonds) | Listed: Newfront lists fidelity and crime among its executive-risk brokerage coverages. [11](https://www.newfront.com/executive-risk "Executive Risk") | Not listed |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Listed: Newfront lists fiduciary coverage among its executive-risk brokerage services. [11](https://www.newfront.com/executive-risk "Executive Risk") | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [44](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") |
| [General liability](https://spot.insure/coverage/general-liability) | Listed: Newfront includes general liability in its casualty placement services. [10](https://www.newfront.com/casualty-insurance "Casualty") | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [44](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [36](https://threeinsurance.com/the-policy "The Policy") |
| [Intellectual property](https://spot.insure/coverage/intellectual-property) | Listed: Newfront’s life-science team arranges IP insurance contracts for life-science and technology clients. [18](https://www.newfront.com/industries/life-science "Life Science") | Not listed |
| [Kidnap and ransom](https://spot.insure/coverage/kidnap-ransom) | Listed: Newfront lists kidnap and ransom among its executive-risk coverage services. [11](https://www.newfront.com/executive-risk "Executive Risk") | Not listed |
| [Liquor liability](https://spot.insure/coverage/liquor-liability) | Not listed | Listed: Marketed within THREE’s combined commercial policy if required; the quote and issued form determine availability and protection. [44](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") |
| [Management liability](https://spot.insure/coverage/management-liability) | Listed: Newfront arranges management liability insurance for private and public companies. [11](https://www.newfront.com/executive-risk "Executive Risk") | Not listed |
| [Product liability](https://spot.insure/coverage/product-liability) | Listed: Newfront lists product liability among its casualty placement coverages. [10](https://www.newfront.com/casualty-insurance "Casualty") | Not listed |
| [Product recall](https://spot.insure/coverage/product-recall) | Listed: Newfront includes product recall in the life-science insurance programs it designs. [18](https://www.newfront.com/industries/life-science "Life Science") | Not listed |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: Newfront lists errors and omissions among its executive-risk coverage services. [11](https://www.newfront.com/executive-risk "Executive Risk") | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [44](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") |
| [Representations and warranties](https://spot.insure/coverage/representations-warranties) | Listed: Newfront arranges representations and warranties insurance as part of its mergers-and-acquisitions transaction-liability services. [23](https://www.newfront.com/services/mergers-acquisitions "Mergers & Acquisitions") | Not listed |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Listed: Newfront arranges contract and commercial surety bonds. [14](https://www.newfront.com/surety "Surety") | Not listed |
| [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Listed: Newfront lists technology errors and omissions among its cyber-risk placement coverages. [12](https://www.newfront.com/cyber-insurance "Cyber Risk") | Not listed |
| [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Not listed | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [44](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed: Newfront arranges umbrella and excess liability insurance through its casualty practice. [10](https://www.newfront.com/casualty-insurance "Casualty") | Not listed |
| [Venture capital asset protection](https://spot.insure/coverage/venture-capital-asset-protection) | Listed: Newfront markets venture capital asset protection for venture capital funds and their partners. [16](https://www.newfront.com/industries/venture-capital "Venture Capital") | Not listed |
| [Virtual care and telehealth](https://spot.insure/coverage/virtual-care-telehealth) | Listed: Newfront arranges insurance programs for digital-health and telemedicine businesses. [20](https://www.newfront.com/industries/digital-health-and-telemedicine "Digital Health & Telemedicine") | Not listed |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed: Newfront arranges workers’ compensation insurance through its casualty practice. [10](https://www.newfront.com/casualty-insurance "Casualty") | Listed: Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection. [44](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE") [36](https://threeinsurance.com/the-policy "The Policy") |

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.



## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## Key Differences Between Newfront and THREE

### Business Roles and Access to Insurers

Newfront’s documented role shapes who handles underwriting and how you reach a policy.

Newfront’s brokerage team analyzes risks and negotiates insurance placement. Its claims service acts as a liaison with the carrier. The broker’s advice and advocacy do not make Newfront the insurer responsible for the policy. [8](https://www.newfront.com/business-insurance "Business Insurance") [12](https://www.newfront.com/cyber-insurance "Cyber Risk") [34](https://www.newfront.com/services/claims-advocacy "Claims Advocacy") [3](https://www.newfront.com/terms "General Terms Of Use") (Evidence: Company-reported; scope: Documented broking and carrier roles. Do not infer risk-bearing authority from “program,” “underwriting,” or ownership of technology.; verified: 2026-09-15.)

THREE documents its own insurance role and access arrangement.

THREE is the commercial brand and product form used by Berkshire Hathaway Direct Insurance Company (BHDIC), which identifies itself as doing business as THREE and names itself as issuer on the sample THREE policy. THREE’s FAQ describes THREE or THREE Insurance as the product name, not a separate insurer. The state-specific issued policy controls. [35](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [36](https://threeinsurance.com/the-policy "The Policy") [37](https://threeinsurance.com/faqs "FAQs: Understanding THREE") (Evidence: Company-reported; scope: U.S. THREE commercial-insurance brand and sample policy; current company identity pages checked 2026-09-28. Company-reported legal disclosure; the state-specific issued policy controls the buyer’s contract.; verified: 2026-09-28.)

### Customer Fit and Application

Compare each provider’s stated customer focus against your business activities and stage; a published target market is not a guarantee of eligibility.

Newfront is an insurance brokerage for businesses, from early-stage companies to established enterprises. It helps buyers arrange business insurance, manage employee benefits, and coordinate risk management with a specialist team and online tools. Its practices include technology, life sciences, construction, financial services, and public-sector organizations. [1](https://www.newfront.com/ "Newfront") [8](https://www.newfront.com/business-insurance "Business Insurance") [24](https://www.newfront.com/total-rewards "Employee Benefits") (Evidence: Company-reported; scope: Current official service positioning; examples from live navigation. Not a minimum-size or eligibility determination.; verified: 2026-09-15.)

THREE describes its focus as businesses and presents industries it serves. Berkshire Hathaway’s 2025 annual report says BH Direct and GUARD together primarily offer commercial insurance to small and medium-sized businesses; it separately says BH Direct underwrites through the biBERK.com and Threeinsurance.com distribution platforms. Eligibility varies by state and business. [35](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [41](https://www.berkshirehathaway.com/2025ar/202510-k.pdf "Berkshire Hathaway Inc. 2025 Annual Report / Form 10-K") (Evidence: Company-reported; scope: THREE’s company-described business focus and industry examples, plus the 2025 report’s joint BH Direct-and-GUARD SMB statement. The report does not attribute that customer-size focus to BHDIC alone; actual eligibility varies by state and business.; verified: 2026-09-28.)

These entry points show how to start; they do not confirm eligibility or that coverage has been bound. [8](https://www.newfront.com/business-insurance "Business Insurance") [9](https://www.newfront.com/talk-to-an-expert "Get Started Today") [10](https://www.newfront.com/casualty-insurance "Casualty") [35](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [35](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [44](https://threeinsurance.com/business-owners-policy "Business Owners Policy | THREE")

The public buying path starts with a consultation request. The form asks for your role, company, contact details, industry, employee count, and the service you need. It does not display a premium or bind coverage. [9](https://www.newfront.com/talk-to-an-expert "Get Started Today") (Evidence: Verified; scope: The empty public form was reviewed on 15 September 2026. No information was entered or submitted; downstream underwriting and purchasing workflow was not tested.; verified: 2026-09-15.)

THREE directs prospective customers to an online quote flow and says licensed Small Business Advisors can help them start or continue the process; the company’s FAQ also describes a phone quote and says an unfinished quote can be saved and resumed. This documents quote routes, not online purchase or binding by an individual customer. [35](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [37](https://threeinsurance.com/faqs "FAQs: Understanding THREE") (Evidence: Company-reported; scope: U.S. business insurance quote application. Company-described online and phone process; no customer form was submitted and no binding outcome was tested.; verified: 2026-09-28.)

## What to Confirm in Quotes

Ask Newfront which markets it will solicit and who handles renewal service. Ask THREE whether your operations fit its product and what the issued policy includes. Ask each provider to identify the proposed insurer, exact forms and endorsements, any intermediary or account service contact, and the steps required to bind. Compare premiums only after matching limits, retentions, exclusions, policy periods, taxes and fees.

## Compare Services

What each provider documents about the services you may need.

| Criteria | Newfront | THREE by Berkshire Hathaway |
| --- | --- | --- |
| Business role | WTW announced that it completed its acquisition of Newfront on January 27, 2026. Newfront’s Business Insurance team joined WTW’s Risk & Broking segment, while Total Rewards joined Health, Wealth & Career. [2](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront "WTW Completes Acquisition Of Newfront") (Evidence: Company-reported; scope: Acquirer’s completed-transaction announcement, corroborated by current Newfront homepage; company-reported corporate event, not an insurer financial-strength assessment.; verified: 2026-09-15.)<br><br>Newfront’s current terms use the name Newfront Insurance Services. An older official disclosure identifies ABD Insurance and Financial Services, Inc. as the agency behind the Newfront brand following its 2022 merger. The current site calls Newfront Insurance Services a trade name; confirm the full contracting producer name on your engagement agreement. [3](https://www.newfront.com/terms "General Terms Of Use") [1](https://www.newfront.com/ "Newfront") [5](https://downloads.ctfassets.net/c3s9zap8g5rq/13QEYBm9gO92xSeBRClBJc/3e91fc2fb08aea6d7669bbc1fcb3ea4e/Inflection-Point_The-Transformative-Promise-of-AI-in-Insurance-and-Beyond.pdf "Inflection Point: The Transformative Promise Of AI In Insurance And Beyond") (Evidence: Company-reported; scope: Historical corporate identity is separated from current trade-name usage. Current license record and any subsequent legal-name changes could not be independently established. No claim that the former Newfront Insurance Services, LLC remains a separate current producer.; verified: 2026-09-15.)<br><br>Newfront’s brokerage team analyzes risks and negotiates insurance placement. Its claims service acts as a liaison with the carrier. The broker’s advice and advocacy do not make Newfront the insurer responsible for the policy. [8](https://www.newfront.com/business-insurance "Business Insurance") [12](https://www.newfront.com/cyber-insurance "Cyber Risk") [34](https://www.newfront.com/services/claims-advocacy "Claims Advocacy") [3](https://www.newfront.com/terms "General Terms Of Use") (Evidence: Company-reported; scope: Documented broking and carrier roles. Do not infer risk-bearing authority from “program,” “underwriting,” or ownership of technology.; verified: 2026-09-15.) | THREE is the commercial brand and product form used by Berkshire Hathaway Direct Insurance Company (BHDIC), which identifies itself as doing business as THREE and names itself as issuer on the sample THREE policy. THREE’s FAQ describes THREE or THREE Insurance as the product name, not a separate insurer. The state-specific issued policy controls. [35](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [36](https://threeinsurance.com/the-policy "The Policy") [37](https://threeinsurance.com/faqs "FAQs: Understanding THREE") (Evidence: Company-reported; scope: U.S. THREE commercial-insurance brand and sample policy; current company identity pages checked 2026-09-28. Company-reported legal disclosure; the state-specific issued policy controls the buyer’s contract.; verified: 2026-09-28.)<br><br>Berkshire Hathaway’s published company list identifies Berkshire Hathaway Direct Insurance Company (THREE) and lists Berkshire Hathaway Specialty Insurance (BHSI) and biBERK separately. Its 2025 annual report says BH Direct and GUARD together primarily offer commercial products to small and medium-sized businesses; it separately describes BH Direct’s admitted commercial underwriting and use of the biBERK.com and Threeinsurance.com distribution platforms. The reviewed list and report do not establish the exact direct-versus-indirect ownership chain. [42](https://www.berkshirehathaway.com/subs/sublinks.html "Links to Berkshire Hathaway Subsidiary Companies") [41](https://www.berkshirehathaway.com/2025ar/202510-k.pdf "Berkshire Hathaway Inc. 2025 Annual Report / Form 10-K") (Evidence: Company-reported; scope: Berkshire Hathaway company list checked 2026-09-28 and 2025 annual-report discussion of BH Direct and GUARD; group relationship and commercial operating scope only, not a precise ownership-chain finding.; verified: 2026-09-28.) |
| Customer focus | Newfront is an insurance brokerage for businesses, from early-stage companies to established enterprises. It helps buyers arrange business insurance, manage employee benefits, and coordinate risk management with a specialist team and online tools. Its practices include technology, life sciences, construction, financial services, and public-sector organizations. [1](https://www.newfront.com/ "Newfront") [8](https://www.newfront.com/business-insurance "Business Insurance") [24](https://www.newfront.com/total-rewards "Employee Benefits") (Evidence: Company-reported; scope: Current official service positioning; examples from live navigation. Not a minimum-size or eligibility determination.; verified: 2026-09-15.) | THREE describes its focus as businesses and presents industries it serves. Berkshire Hathaway’s 2025 annual report says BH Direct and GUARD together primarily offer commercial insurance to small and medium-sized businesses; it separately says BH Direct underwrites through the biBERK.com and Threeinsurance.com distribution platforms. Eligibility varies by state and business. [35](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [41](https://www.berkshirehathaway.com/2025ar/202510-k.pdf "Berkshire Hathaway Inc. 2025 Annual Report / Form 10-K") (Evidence: Company-reported; scope: THREE’s company-described business focus and industry examples, plus the 2025 report’s joint BH Direct-and-GUARD SMB statement. The report does not attribute that customer-size focus to BHDIC alone; actual eligibility varies by state and business.; verified: 2026-09-28.) |
| Application process | The public buying path starts with a consultation request. The form asks for your role, company, contact details, industry, employee count, and the service you need. It does not display a premium or bind coverage. [9](https://www.newfront.com/talk-to-an-expert "Get Started Today") (Evidence: Verified; scope: The empty public form was reviewed on 15 September 2026. No information was entered or submitted; downstream underwriting and purchasing workflow was not tested.; verified: 2026-09-15.)<br><br>Newfront describes assembling a team for your industry, reviewing your business and risk exposures, and presenting that information to underwriters. Its technology practice describes onboarding and renewal reviews, with additional market shopping when appropriate. The reviewed public pages do not promise a universal quote or binding turnaround. [8](https://www.newfront.com/business-insurance "Business Insurance") [29](https://www.newfront.com/industries/technology "Technology") [9](https://www.newfront.com/talk-to-an-expert "Get Started Today") (Evidence: Company-reported; scope: Service descriptions, not observed customer onboarding or measured timing. A consultation is not a completed insurance application.; verified: 2026-09-15.)<br><br>Some online services may require you to appoint Newfront as broker of record—the broker designated to service your insurance. Ask which tools and services are included before signing that appointment. [3](https://www.newfront.com/terms "General Terms Of Use") (Evidence: Company-reported; scope: General Terms §1.2; condition applies to some services, not a claim all public pages require an appointment.; verified: 2026-09-15.)<br><br>Life-science clients can use Newfront’s Clinical Trial Portal to check country requirements, upload documents, and request quotes. The public description does not establish automatic approval or a guaranteed time to receive coverage. [18](https://www.newfront.com/industries/life-science "Life Science") (Evidence: Company-reported; scope: Public portal description only; no portal authentication, uploads or quotation attempts.; verified: 2026-09-15.) | THREE directs prospective customers to an online quote flow and says licensed Small Business Advisors can help them start or continue the process; the company’s FAQ also describes a phone quote and says an unfinished quote can be saved and resumed. This documents quote routes, not online purchase or binding by an individual customer. [35](https://threeinsurance.com/ "THREE by Berkshire Hathaway — small business insurance") [37](https://threeinsurance.com/faqs "FAQs: Understanding THREE") (Evidence: Company-reported; scope: U.S. business insurance quote application. Company-described online and phone process; no customer form was submitted and no binding outcome was tested.; verified: 2026-09-28.)<br><br>THREE describes a partner-agency channel. Its partner page says the Agency Service Team assists policyholders and agents and that agency partners can use the THREE platform to quote, bind, and issue policies online. This describes the partner channel, not the direct public quote flow. [40](https://threeinsurance.com/become-a-three-partner "Become a THREE Partner") (Evidence: Company-reported; scope: THREE partner agency program and platform capabilities as described by the company; these capabilities apply to partner agencies and do not establish direct-customer self-binding.; verified: 2026-09-28.) |

## Related Reading

- [What Is Newfront?](https://spot.insure/insurance-providers/newfront)
- [THREE small business insurance: coverage, issuer and buying routes](https://spot.insure/insurance-providers/three)

## Related Comparisons

- [AIG vs Newfront](https://spot.insure/compare/aig-vs-newfront)
- [AIG vs THREE by Berkshire Hathaway](https://spot.insure/compare/aig-vs-three)
- [Alliance Risk vs Newfront](https://spot.insure/compare/alliance-risk-vs-newfront)
- [Alliance Risk vs THREE by Berkshire Hathaway](https://spot.insure/compare/alliance-risk-vs-three)
- [Amelia Risk vs Newfront](https://spot.insure/compare/amelia-risk-vs-newfront)
- [Amelia Risk vs THREE by Berkshire Hathaway](https://spot.insure/compare/amelia-risk-vs-three)
- [Aon vs Newfront](https://spot.insure/compare/aon-vs-newfront)
- [Aon vs THREE by Berkshire Hathaway](https://spot.insure/compare/aon-vs-three)
- [Armilla vs Newfront](https://spot.insure/compare/armilla-vs-newfront)
- [Armilla vs THREE by Berkshire Hathaway](https://spot.insure/compare/armilla-vs-three)
- [At-Bay vs Newfront](https://spot.insure/compare/at-bay-vs-newfront)
- [At-Bay vs THREE by Berkshire Hathaway](https://spot.insure/compare/at-bay-vs-three)
- [The Baldwin Group vs Newfront](https://spot.insure/compare/baldwin-vs-newfront)
- [The Baldwin Group vs THREE by Berkshire Hathaway](https://spot.insure/compare/baldwin-vs-three)
- [Beazley vs Newfront](https://spot.insure/compare/beazley-vs-newfront)
- [Beazley vs THREE by Berkshire Hathaway](https://spot.insure/compare/beazley-vs-three)
- [Berkshire Hathaway Specialty Insurance vs Newfront](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-newfront)
- [Berkshire Hathaway Specialty Insurance vs THREE by Berkshire Hathaway](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three)
- [biBerk vs Newfront](https://spot.insure/compare/biberk-vs-newfront)
- [biBerk vs THREE by Berkshire Hathaway](https://spot.insure/compare/biberk-vs-three)
- [CFC vs Newfront](https://spot.insure/compare/cfc-vs-newfront)
- [CFC vs THREE by Berkshire Hathaway](https://spot.insure/compare/cfc-vs-three)
- [Chubb vs Newfront](https://spot.insure/compare/chubb-vs-newfront)
- [Chubb vs THREE by Berkshire Hathaway](https://spot.insure/compare/chubb-vs-three)
- [CNA vs Newfront](https://spot.insure/compare/cna-vs-newfront)
- [CNA vs THREE by Berkshire Hathaway](https://spot.insure/compare/cna-vs-three)
- [Coalition vs Newfront](https://spot.insure/compare/coalition-vs-newfront)
- [Coalition vs THREE by Berkshire Hathaway](https://spot.insure/compare/coalition-vs-three)
- [Corgi vs Newfront](https://spot.insure/compare/corgi-vs-newfront)
- [Corgi vs THREE by Berkshire Hathaway](https://spot.insure/compare/corgi-vs-three)
- [Coterie Insurance vs Newfront](https://spot.insure/compare/coterie-vs-newfront)
- [Coterie Insurance vs THREE by Berkshire Hathaway](https://spot.insure/compare/coterie-vs-three)
- [Counterpart vs Newfront](https://spot.insure/compare/counterpart-vs-newfront)
- [Counterpart vs THREE by Berkshire Hathaway](https://spot.insure/compare/counterpart-vs-three)
- [Coverdash vs Newfront](https://spot.insure/compare/coverdash-vs-newfront)
- [Coverdash vs THREE by Berkshire Hathaway](https://spot.insure/compare/coverdash-vs-three)
- [Cowbell vs Newfront](https://spot.insure/compare/cowbell-vs-newfront)
- [Cowbell vs THREE by Berkshire Hathaway](https://spot.insure/compare/cowbell-vs-three)
- [Embroker vs Newfront](https://spot.insure/compare/embroker-vs-newfront)
- [Embroker vs THREE by Berkshire Hathaway](https://spot.insure/compare/embroker-vs-three)

## Sources

### [Newfront Official Website](https://www.newfront.com)

1. [Newfront](https://www.newfront.com/). Newfront; Built to Scale; business and industry navigation; footer trade-name and license notice; WTW announcement hero. Accessed 2026-09-15.
2. [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.
3. [General Terms Of Use](https://www.newfront.com/terms). Newfront; Last updated 17 July 2025; opening contracting name; §1.2 Additional Requirements; §5.3 Reliance on Services; §2 copyright and use restrictions. Accessed 2026-09-15.
4. [Privacy Policy](https://www.newfront.com/privacy). Newfront; Last updated 13 March 2026; Introduction, paragraphs beginning “On January 27, 2026” and “We anticipate”; integration timetable and qualifications. Accessed 2026-09-15.
5. [Inflection Point: The Transformative Promise Of AI In Insurance And Beyond](https://downloads.ctfassets.net/c3s9zap8g5rq/13QEYBm9gO92xSeBRClBJc/3e91fc2fb08aea6d7669bbc1fcb3ea4e/Inflection-Point_The-Transformative-Promise-of-AI-in-Insurance-and-Beyond.pdf). Newfront; PDF page 14 of 14, ©2023 footer: Newfront brand name; ABD Insurance and Financial Services, Inc. as surviving agency; 1 January 2022 merger. Accessed 2026-09-15.
6. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; Search for 0H55918 on 15 September 2026; the public lookup could not be completed and no record was returned. Accessed 2026-09-15.
7. [License List Linked By Newfront](https://docs.google.com/document/d/1UMPePkw6yPnyB41_ME6Tmb0OfTAyDl7dA6bgyLPVvW8/edit). Newfront (linked Google document); Footer-linked license list; the linked list could not be independently read on 15 September 2026. Accessed 2026-09-15.
8. [Business Insurance](https://www.newfront.com/business-insurance). Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
9. [Get Started Today](https://www.newfront.com/talk-to-an-expert). Newfront; Consultation form: contact and company fields, industry, employee count, service choices and Additional Details. Accessed 2026-09-15.
10. [Casualty](https://www.newfront.com/casualty-insurance). Newfront; Our Approach: Placement Expertise; Key Coverages to Protect Your Business: General Liability, Product Liability, Auto Liability, Umbrella/Excess Liability, Workers’ Compensation. Accessed 2026-09-16.
11. [Executive Risk](https://www.newfront.com/executive-risk). Newfront; Key Coverages to Protect Your Business: Directors and Officers (D&O) for private and public companies, Errors and Omissions (E&O), Employment Practices Liability Insurance (EPLI), Fiduciary, Fidelity and Crime, Kidnap & Ransom; Committed to Client Advocacy: integrated claims and coverage negotiation; Industry-Leading Technology; Executive Risk Solutions Practice Leader description of management liability lines; brokerage footer. Accessed 2026-09-16.
12. [Cyber Risk](https://www.newfront.com/cyber-insurance). Newfront; Coverage Negotiation; Subject Matter Expertise; Key Coverages to Protect Your Business: Cyber Liability Insurance, Data Breach Insurance, Technology Errors and Omissions (E&O), Business Interruption, Network Security Liability, Cyber Extortion and Ransomware Coverage. Accessed 2026-09-16.
13. [Property](https://www.newfront.com/property-insurance). Newfront; Opening equipment-breakdown service offer; Our Approach: Quality Matters and Global Placement Expertise; No Two Risks are Alike; Key Coverages to Protect Your Business: Cargo Stock Throughput; Talk to an Expert. Accessed 2026-09-16.
14. [Surety](https://www.newfront.com/surety). Newfront; Safeguarding Your Success; Contract Bonds; Commercial Bonds; Key Bond Types for Your Business: Contract Surety, Commercial Surety, Subdivision/Developer Bonds; Industry-Leading Technology. Accessed 2026-09-16.
15. [Workers’ Compensation](https://www.newfront.com/workers-compensation). Newfront; Optimized Risk Financing; Claims Advocacy; Circle of Care; Technology-Based Resources. Accessed 2026-09-15.
16. [Venture Capital](https://www.newfront.com/industries/venture-capital). Newfront; Our approach; Comprehensive Coverage: Venture Capital Asset Protection; Customized Coverage: Manuscript Coverage Endorsement; VCAP policy for funds, partners and portfolio companies. Accessed 2026-09-16.
17. [Asset Protection Program](https://www.newfront.com/asset-protection-program). Newfront; Tailored LPI Services; Comprehensive Coverage Solutions; Strong Carrier Partnerships; Seamless Technology & Full-Service Support. Accessed 2026-09-15.
18. [Life Science](https://www.newfront.com/industries/life-science). Newfront; Insightful risk management (program design for supply chain, clinical trials, product liability and recall); Foreign clinical trial expertise; Clinical trial portal; Leadership: IP insurance contracts for life-science and technology clients. Accessed 2026-09-16.
19. [Digital Assets & Blockchain](https://www.newfront.com/industries/blockchain-and-cryptocurrency). Newfront; Subject matter expertise: theft of digital assets, custody and counterparties; underwriter relationships in US, London and Bermuda. Accessed 2026-09-16.
20. [Digital Health & Telemedicine](https://www.newfront.com/industries/digital-health-and-telemedicine). Newfront; Digital Health & Telemedicine hero; Strategies for the journey; Vertically-dedicated team; A tech-forward take; Step-by-step claims guidance. Accessed 2026-09-16.
21. [Aviation](https://www.newfront.com/industries/aviation). Newfront; Custom Strategy; Deep Industry Connections; Subject Matter Expertise: aircraft, helicopters, VTOL and drones. Accessed 2026-09-15.
22. [Entertainment](https://www.newfront.com/industries/entertainment). Newfront; Subject matter expertise: live events, theme parks, resorts, media companies, event cancellation, weather and parametrics. Accessed 2026-09-15.
23. [Mergers & Acquisitions](https://www.newfront.com/services/mergers-acquisitions). Newfront; Transaction liability: R&W, tax and contingent liability insurance; Due diligence; Go-forward insurance & benefits. Accessed 2026-09-16.
24. [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.
25. [Strategic Planning](https://www.newfront.com/total-rewards/strategic-planning). Newfront; Funding Approach; Pharmacy Solutions; Renewal Negotiations & Proprietary Programs. Accessed 2026-09-16.
26. [Total Rewards Terms Of Service](https://www.newfront.com/terms/total-rewards). Newfront; Last updated 4 May 2026; §§1–2 scope and client obligations; §§3.2–3.4 renewal, termination and Block Strategy; §§4.1–4.8 compensation and expenses. Accessed 2026-09-15.
27. [Global Insurance](https://www.newfront.com/services/global). Newfront; Our Approach; Worldwide Connections; Global Services including locally admitted coverage. Accessed 2026-09-15.
28. [Alternative Risk Financing](https://www.newfront.com/services/alternative-risk-financing). Newfront; Analyze the options; Robust and unique solutions; Leveraging a Captive. Accessed 2026-09-15.
29. [Technology](https://www.newfront.com/industries/technology). Newfront; Process-driven approach; Fully engaged; IPO D&O Toolkit. Accessed 2026-09-15.
30. [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.
31. [Partner Management Tool](https://www.newfront.com/partner-management). Newfront; Simplify Compliance. Strengthen Vendor Management; Automated Compliance, No Extra Cost. Accessed 2026-09-15.
32. [AI-Powered Contract Review](https://www.newfront.com/contract-review). Newfront; Introduction; Clarity Without the Complexity; Backed by Experts. Accessed 2026-09-15.
33. [AI-Powered Coverage Gap Analysis](https://www.newfront.com/cga). Newfront; Consistent, Confident Coverage Reviews; walkthrough describing tools used by Newfront teams. Accessed 2026-09-15.
34. [Claims Advocacy](https://www.newfront.com/services/claims-advocacy). Newfront; Pre-loss protocols; Meaningful consulting; Proactive advocacy; Comprehensive service at the core. Accessed 2026-09-15.

### [THREE by Berkshire Hathaway Official Website](https://threeinsurance.com/)

35. [THREE by Berkshire Hathaway — small business insurance](https://threeinsurance.com/). Berkshire Hathaway Direct Insurance Company, dba THREE; Issuer, business focus, and industry scope, lines 70–81; quote/advisor route, lines 405–420; DBA footer, lines 432–434. Accessed 2026-09-28.
36. [The Policy](https://threeinsurance.com/the-policy). Berkshire Hathaway Direct Insurance Company, dba THREE; Sample declarations, limits and three-day Business Interruption waiting period (lines 58–76); Section I: interruption follows a property loss the insurer pays and ends on resumed normal operations or an applicable limit (lines 82–86); Section III: machinery/equipment/listed vehicles stopping without an accident are excluded (lines 104–112). Accessed 2026-09-29.
37. [FAQs: Understanding THREE](https://threeinsurance.com/faqs). Berkshire Hathaway Direct Insurance Company, dba THREE; Quote save/resume, lines 73–76; claim/update routes, lines 78–89; product-not-company wording, lines 98–100; one-year policy/payment terms, lines 129–130; servicing requests, lines 141–157. Accessed 2026-09-28.
38. [Terms & Conditions](https://threeinsurance.com/terms-conditions). Berkshire Hathaway Direct Insurance Company, dba THREE; BHDIC dba THREE, lines 20–23; recurring automatic bank draft qualification, lines 27–33. Accessed 2026-09-28.
39. [Filing a Claim: Call to get started](https://threeinsurance.com/claims). Berkshire Hathaway Direct Insurance Company, dba THREE; Online/phone claims and account-manager assignment, lines 24–43; claim updates, lines 59–61. Accessed 2026-09-28.
40. [Become a THREE Partner](https://threeinsurance.com/become-a-three-partner). Berkshire Hathaway Direct Insurance Company, dba THREE; Partner-agency program and platform permissions, lines 6–18; state availability, lines 30–35. Accessed 2026-09-28.
41. [Berkshire Hathaway Inc. 2025 Annual Report / Form 10-K](https://www.berkshirehathaway.com/2025ar/202510-k.pdf). Berkshire Hathaway Inc.; 2025 annual report, PDF page 5, printed K-4, lines 303–308: BH Direct and GUARD joint SMB focus; BH Direct platforms/admitted products. Accessed 2026-09-28.
42. [Links to Berkshire Hathaway Subsidiary Companies](https://www.berkshirehathaway.com/subs/sublinks.html). Berkshire Hathaway Inc.; Published subsidiary-company list; BHDIC (THREE), BHSI, and biBERK shown separately, lines 11–16. Accessed 2026-09-28.
43. [THREE online quote application](https://quotes.threeinsurance.com/). Berkshire Hathaway Direct Insurance Company, dba THREE; THREE online quote entry point inspected; the page is a route to begin an application. No form was submitted or quote generated; this source alone does not establish customer self-binding. Accessed 2026-09-28.
44. [Business Owners Policy | THREE](https://threeinsurance.com/business-owners-policy). Berkshire Hathaway Direct Insurance Company, dba THREE; Product page explicitly markets Business Liability categories (including liquor liability if required), Property (including equipment breakdown and inland marine), Business Auto (including cargo liability and hired/non-owned), Business Interruption, Cyber and Workers’ Compensation, within one combined policy description (lines 8–9, 19–21, 23–76); BHDIC dba THREE footer (lines 93–94). Accessed 2026-09-29.
45. [Benefits | THREE](https://threeinsurance.com/benefits). Berkshire Hathaway Direct Insurance Company, dba THREE; Page copy: commercial coverage category descriptions for liability, cyber, property/business interruption, business auto and workers compensation; describes product benefits, not a complete policy form. Accessed 2026-09-29.
46. [THREE logo SVG](https://threeinsurance.com/three-logo.svg). Berkshire Hathaway Direct Insurance Company, dba THREE; Direct official SVG asset; viewBox 0 0 720 253; embedded title “Three by Berkshire Hathaway”; downloaded and preserved byte-for-byte as assets/three-logo.svg. Accessed 2026-09-29.

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; it is not a recommendation for a specific policy. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/newfront-vs-three.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)