--- title: "StartupInsurance.ai vs THREE by Berkshire Hathaway: D&O Insurance" description: "StartupInsurance.ai offers a D&O policy check for AI exclusions, while THREE lists D&O within its combined Business Owners Policy." canonical: "https://spot.insure/compare/startupinsurance-vs-three/directors-officers" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "startupinsurance-vs-three" provider-a: "startupinsurance" provider-b: "three" coverage-line: "directors-officers" --- 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/startupinsurance-vs-three/directors-officers) ## Agent Guide **What this page is:** Focused comparison of StartupInsurance.ai and THREE by Berkshire Hathaway for D&O 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 D&O Insurance questions about StartupInsurance.ai 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:** - StartupInsurance.ai vs THREE by Berkshire Hathaway for D&O Insurance: how do they differ? - Which is better for D&O Insurance, StartupInsurance.ai or THREE by Berkshire Hathaway? - What does StartupInsurance.ai or THREE by Berkshire Hathaway publish about D&O Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for D&O Insurance from StartupInsurance.ai or THREE by Berkshire Hathaway? **Key facts:** - Line: D&O Insurance. Providers: StartupInsurance.ai 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:** - [StartupInsurance.ai vs THREE by Berkshire Hathaway](https://spot.insure/compare/startupinsurance-vs-three) — parent: all coverage lines for this pair - [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — coverage explainer for this line - [StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance) — provider profile (evidence) - [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence) - [StartupInsurance.ai vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/startupinsurance-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line) - [StartupInsurance.ai vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/startupinsurance-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line) - [StartupInsurance.ai vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/startupinsurance-vs-three/fiduciary) — sibling comparison (other line, or other pair for this line) - [StartupInsurance.ai vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/startupinsurance-vs-three/general-liability) — sibling comparison (other line, or other pair for this line) - [StartupInsurance.ai vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/startupinsurance-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line) - [AIG vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/aig-vs-startupinsurance/directors-officers) — sibling comparison (other line, or other pair for this line) - [AIG vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/aig-vs-three/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/alliance-risk-vs-startupinsurance/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/alliance-risk-vs-three/directors-officers) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/amelia-risk-vs-startupinsurance/directors-officers) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/amelia-risk-vs-three/directors-officers) — sibling comparison (other line, or other pair for this line) # StartupInsurance.ai vs THREE by Berkshire Hathaway: How Do They Compare for D&O Insurance? StartupInsurance.ai offers a D&O policy check for AI exclusions, while THREE lists D&O within its combined Business Owners Policy. ## How to Use the StartupInsurance.ai vs THREE by Berkshire Hathaway D&O Insurance Comparison Use this comparison to evaluate StartupInsurance.ai and THREE by Berkshire Hathaway for D&O 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. ## StartupInsurance.ai vs THREE by Berkshire Hathaway D&O Insurance Summary StartupInsurance.ai says its free policy check looks for AI exclusions in D&O forms. THREE lists D&O among its BOP coverage categories; the listing does not establish inclusion in every quote. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") ## What Is StartupInsurance.ai? StartupInsurance.ai fits startups, including hardware, robotics and AI companies, that must meet a customer-contract or investor insurance requirement and want a free policy review it says takes 48 hours. Look elsewhere if you need a named AI-failure insurer or a documented claims advocate before you buy. [1](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [StartupInsurance.ai profile](https://spot.insure/insurance-providers/startupinsurance) ## THREE small business insurance: coverage, issuer and buying routes THREE markets a packaged commercial insurance product through a direct quote route and partner agents. Berkshire Hathaway Direct Insurance Company is named as issuer on THREE’s sample policy. [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) ## What Is Directors and Officers Insurance? D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. [8](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms "Glossary of Business Insurance Terms") [9](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf "The Chubb Primary Directors & Officers and Entity Securities Liability Insurance") [10](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95 "Private Company Directors and Officers Liability Coverage") ## What Are the Key Differences Between StartupInsurance.ai and THREE by Berkshire Hathaway D&O Insurance? ### Review for AI Exclusions StartupInsurance.ai says its free policy check reviews D&O forms for AI exclusions and contract gaps, a specific check for startups whose products or board oversight involve artificial intelligence. THREE’s reviewed BOP materials list D&O as a coverage category but do not describe an AI-exclusion review. An AI company comparing the two should ask StartupInsurance.ai what form and endorsements it reviewed, and ask THREE for the actual D&O wording and any AI-related exclusion before relying on the package. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ### Separate Startup Intake and Combined Policy StartupInsurance.ai identifies D&O as the first coverage choice in its online startup quote intake and frames the line around investor and board exposure. THREE presents D&O inside a combined Business Owners Policy, with an online quote and advisor assistance. The first route focuses on a startup-specific application; the second asks the buyer to check that D&O is selected and defined in the BOP quote rather than infer its terms from the listed category. [3](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") ## What Should You Confirm in StartupInsurance.ai and THREE by Berkshire Hathaway D&O Insurance Quotes? - Ask StartupInsurance.ai which carrier will issue your D&O policy and whether the AI exclusion review covers the final renewal form. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") - Ask THREE for the scheduled D&O limit, deductible, and applicable wording in the BOP summary. [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ## StartupInsurance.ai vs THREE by Berkshire Hathaway D&O Compared | Criteria | StartupInsurance.ai Directors & Officers (D&O) Insurance | THREE Business Owners Policy | | --- | --- | --- | | Role in This Line | StartupInsurance.ai lists directors and officers coverage among the lines its startup program places, and its homepage cites an investor's term-sheet request for D&O as a typical reason a founder comes to it. ContractorNerd Insurance Services, LLC arranges the placement as agent/broker of record rather than underwriting it. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [4](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: Homepage coverage list and "the problem" narrative, plus ContractorNerd's terms and conditions on its producer role; does not describe a specific D&O policy's terms..) | THREE presents Directors and Officers as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Company-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant..) | | Issuing Insurer | The homepage's carrier panel names insurers with D&O capacity, such as Chubb (shown as A++ Admitted) and Coalition (shown as A- Surplus), but does not state that either one specifically underwrites D&O placements; the issuing insurer varies by placement. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Not publicly disclosed; scope: Homepage carrier panel and ratings card; the panel is program-wide, not broken out by coverage line..) | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: This is the issuer named on the public sample only; the sample does not establish the issuing entity for every state-specific quote or buyer's issued policy..) | | Who It’s For | StartupInsurance.ai frames D&O as coverage founders typically need once an investor's term sheet requires it, positioning the line for venture-backed startups with a board rather than pre-revenue companies with no outside investors. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage narrative example; not a stated underwriting eligibility rule (e.g., minimum funding stage or headcount)..) | The reviewed product page does not state separate eligibility rules for Directors and Officers; the general quote and advisor route is not proof that a particular business qualifies for it. [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms..) | | Coverage Features | StartupInsurance.ai says one major carrier added a blanket AI exclusion to D&O (along with E&O and fiduciary forms), typically arriving at renewal inside an endorsement, and that it reviews policies for this exclusion as part of its free check. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "wording that still says yes" section; names the exclusion trend industrywide but not the carrier, and does not state whether any StartupInsurance.ai-placed D&O policy carries this specific endorsement..) | THREE's Business Owners Policy page lists Directors & Officers among its marketed coverage categories in the combined policy. This describes the product page, not whether the category appears in a particular quote or responds to a loss. [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Official THREE package marketing for Directors and Officers. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy..) | | Limits and Retentions | Confirm in your quote. | The reviewed public product page does not state a separate limit or deductible for Directors and Officers; THREE says the quote-specific insurance summary lists limits and deductibles. [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible..) | | Risk Services | StartupInsurance.ai's free policy check reviews an existing program for AI exclusions and contract gaps within 48 hours, and the homepage specifically calls out D&O as one of the forms affected by the AI-exclusion trend it checks for. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage service description; a marketing offer describing what the review covers, not a report on any specific customer's D&O policy..) | Confirm in your quote. | | How to Apply | Directors & Officers (D&O) is the first coverage box on StartupInsurance.ai's online quote-intake screen, described there as coverage that "protects your board and executives from lawsuits." [3](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Company-reported; scope: Initial coverage-selection screen of the quote application; does not show the underwriting questions that follow for this line..) | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: This is the route for the overall THREE product. It does not show whether Directors and Officers will be offered for a particular business or whether a customer can bind that line without an issued policy..) | ## Related Pages for StartupInsurance.ai vs THREE by Berkshire Hathaway - [StartupInsurance.ai vs THREE by Berkshire Hathaway](https://spot.insure/compare/startupinsurance-vs-three): all coverage lines, business roles, service and claims. - [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote. - [StartupInsurance.ai vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/startupinsurance-vs-three/commercial-auto) - [StartupInsurance.ai vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/startupinsurance-vs-three/commercial-property) - [StartupInsurance.ai vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/startupinsurance-vs-three/fiduciary) - [StartupInsurance.ai vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/startupinsurance-vs-three/general-liability) - [StartupInsurance.ai vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/startupinsurance-vs-three/inland-marine) - [AIG vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/aig-vs-startupinsurance/directors-officers) - [AIG vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/aig-vs-three/directors-officers) - [Alliance Risk vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/alliance-risk-vs-startupinsurance/directors-officers) - [Alliance Risk vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/alliance-risk-vs-three/directors-officers) - [Amelia Risk vs StartupInsurance.ai D&O Insurance](https://spot.insure/compare/amelia-risk-vs-startupinsurance/directors-officers) - [Amelia Risk vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/amelia-risk-vs-three/directors-officers) ## Sources for StartupInsurance.ai vs THREE by Berkshire Hathaway ### Sources About StartupInsurance.ai 1. [Company | Startup Insurance](https://www.startupinsurance.ai/company/). StartupInsurance.ai; The story; founders; The free policy check; legal footer. Accessed 2026-09-16. 2. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; The problem (“An investor's term sheet asked for D&O”); Wording that still says yes (“One major carrier added a blanket AI exclusion to D&O, E&O and fiduciary”); Coverage: What we place; The free policy check. Accessed 2026-09-23. 3. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Coverage-selection screen: Directors & Officers (D&O) — “Protects your board and executives from lawsuits”. Accessed 2026-09-23. 4. [Terms and Conditions](https://www.contractornerd.com/terms-and-conditions/). ContractorNerd; Section 2, Insurance Services: “ContractorNerd is an insurance agency/insurance producer... not an insurance company, does not underwrite insurance”; Section 2.A, Broker/Agent of Record. Accessed 2026-09-23. ### Sources About THREE by Berkshire Hathaway 5. [Jargon-free small business insurance - THREE by Berkshire Hathaway](https://threeinsurance.com/). Berkshire Hathaway Direct Insurance Company, dba THREE; Lines 23, 39, 70–81 and 406–410: business location quote entry, single-policy description, issuer, business focus, online quote and licensed Small Business Advisor route. Quote entry inspected without submitting a form.. Accessed 2026-09-30. 6. [The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway](https://threeinsurance.com/the-policy). Berkshire Hathaway Direct Insurance Company, dba THREE; State-selectable sample policy: Summary (Declarations) identifies Berkshire Hathaway Direct Insurance Company as issuer and says the insurance summary lists limits and deductibles; sample policy text and state selection do not establish terms for a particular quote or issued policy.. Accessed 2026-09-30. 7. [Business Owners Policy - THREE by Berkshire Hathaway](https://threeinsurance.com/business-owners-policy). Berkshire Hathaway Direct Insurance Company, dba THREE; Product page: “No need for multiple policies” and one comprehensive policy; Business Liability, Property and Business Auto categories and the listed line names. Product page footer identifies Berkshire Hathaway Direct Insurance Company, dba THREE.. Accessed 2026-09-30. ### Sources for the D&O Insurance Guide 8. [Glossary of Business Insurance Terms](https://www.thehartford.com/business-insurance/glossary-of-business-insurance-terms). The Hartford; Directors and Officers Liability Insurance; Errors and Omissions Insurance; Employment Practices Liability Insurance. Accessed 2026-09-16. 9. [The Chubb Primary Directors & Officers and Entity Securities Liability Insurance](https://eperils.com/wp-content/uploads/2016/09/14-02-18480.pdf). Chubb Group of Insurance Companies; hosted by eperils; I.A–C p.1; I.C p.1; I and III.A–B pp.1–2; VI Reporting pp.3–4. Accessed 2026-09-16. 10. [Private Company Directors and Officers Liability Coverage](https://asset.trvstatic.com/download/assets/pdo-3001.pdf/d66bd58e63c911ee99d14294a32ecb95). Travelers Casualty and Surety Company of America; I.A–C p.1; I.C p.1; Header p.1 and VI.A pp.6–7. 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. ## StartupInsurance.ai Review Scores for 2026 Review Score: not enough ratings. StartupInsurance.ai has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/startupinsurance/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/startupinsurance-vs-three/directors-officers.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)