---
title: "StartupInsurance.ai vs THREE by Berkshire Hathaway: Inland Marine Insurance"
description: "StartupInsurance.ai places inland marine for hardware startups through a specialist route; THREE lists the line within its Business Owners Policy."
canonical: "https://spot.insure/compare/startupinsurance-vs-three/inland-marine"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "startupinsurance-vs-three"
provider-a: "startupinsurance"
provider-b: "three"
coverage-line: "inland-marine"
---

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[Human-readable page](https://spot.insure/compare/startupinsurance-vs-three/inland-marine)

## Agent Guide

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

**Key facts:**
- Line: Inland Marine 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 2026-09-30. 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
- [Inland Marine Insurance guide](https://spot.insure/coverage/inland-marine) — 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)
- [AIG vs StartupInsurance.ai Inland Marine Insurance](https://spot.insure/compare/aig-vs-startupinsurance/inland-marine) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/aig-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs StartupInsurance.ai Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-startupinsurance/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs StartupInsurance.ai Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-startupinsurance/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Berkshire Hathaway Specialty Insurance vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line)

# StartupInsurance.ai vs THREE by Berkshire Hathaway: How Do They Compare for Inland Marine Insurance?

StartupInsurance.ai places inland marine for hardware startups through a specialist route; THREE lists the line within its Business Owners Policy.

## Research Scope and Use

Use this comparison to evaluate StartupInsurance.ai and THREE by Berkshire Hathaway for Inland Marine Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

StartupInsurance.ai groups inland marine with physical-risk lines for robotics, hardware, energy and defense technology, with a specialist inquiry rather than self-serve quote. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - 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. [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 Inland Marine Insurance?

If your business moves equipment between sites or ships goods, inland marine can cover those property exposures; installation and other forms address different property categories. Match the quote to what you own, rent or hold for others. [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://www.dms.myflorida.com/content/download/132333/823484/SoF_Policy_CE_17-18_UM00056635MA17A.pdf "Inland Marine Policy: Contractors’ Equipment")

## Key Differences in Inland Marine Insurance

### Hardware-Sector Focus

StartupInsurance.ai lists inland marine among physical-risk lines for founders building robotics, hardware, energy or defense technology, alongside tools and equipment, builders risk and property. THREE lists inland marine within its combined Business Owners Policy. A hardware startup should ask whether the equipment in transit is covered as inland marine, tools and equipment or both, rather than relying on the category label. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Placement Route

StartupInsurance.ai says its licensed agency arranges coverage but does not underwrite it, and its inland-marine call to action asks buyers to discuss requirements with a specialist rather than using the site's general quote flow. THREE directs small businesses to an online package quote and licensed advisors. Ask each route who will source insurers and what equipment schedule they need before issuing terms. [4](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [6](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

### Distinguishing Inland Marine from Tools Coverage

StartupInsurance.ai lists Inland Marine and Tools and Equipment as separate lines on the same physical-risk section. THREE's offering page lists inland marine as a package category but does not explain whether it overlaps with a tools form. Provide an inventory and travel pattern and ask both providers where each item is scheduled, including customer sites and transit. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

## What to Confirm in Inland Marine Insurance Quotes

- Ask StartupInsurance.ai which insurer and form applies and how inland marine differs from its tools-and-equipment line; ask THREE for the exact package section. [4](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")
- Confirm replacement values, transit, customer-site storage, theft and deductibles for each scheduled item. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

## Offering Details

| Criteria | StartupInsurance.ai Inland Marine Insurance | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | StartupInsurance.ai does not underwrite inland marine coverage itself. ContractorNerd Insurance Services, LLC, the licensed property and casualty agency behind the brand, is licensed in all 50 states and arranges placement; its terms describe the company as an insurance agency/producer that does not underwrite insurance. [4](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") [5](https://www.contractornerd.com/insurance-licenses/ "Insurance Licenses") [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: ContractorNerd's terms and conditions and insurance-licenses page; describes the brokerage's general role, not inland-marine-specific placement terms..) | THREE presents Inland Marine 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 homepage's carrier panel names six insurers at the program level (The Hartford, Chubb, Coalition, Tokio Marine HCC, Travelers and CNA) but does not state which one, if any, underwrites a given company's inland marine policy. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Not publicly disclosed; scope: Carrier panel is program-wide rather than broken out by line; the insurer for an inland marine placement is not disclosed on the pages reviewed and varies by 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 | The section frames these seven lines around founders "building robots, hardware, energy or defense tech," saying StartupInsurance.ai treats them as "our daily lines, not our exceptions" — positioning inland marine as a line it places regularly for hardware-adjacent startups moving equipment between sites, rather than as a rare add-on. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Same homepage section; describes the target customer segment StartupInsurance.ai says it serves for this catalogue of lines, not formal underwriting eligibility criteria..) | The reviewed product page does not state separate eligibility rules for Inland Marine; 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 | StartupInsurance.ai lists Inland Marine among seven lines in the homepage's "Physical risk, because AI outgrew software" section — Products Liability, Inland Marine, Tools and Equipment, Commercial Auto, Builders Risk, Surety and Property — offered alongside the core startup program of GL, cyber, D&O and related lines. The section lists Inland Marine and "Tools and Equipment" separately, suggesting the two are treated as distinct offerings on this page. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "Physical risk, because AI outgrew software" section as read on 2026-09-23; the reviewed page names the line but does not describe specific coverage terms, forms or exclusions, and does not explain how it distinguishes inland marine from the adjacent tools-and-equipment listing..) | THREE's Business Owners Policy page lists Inland Marine among its marketed coverage categories in the combined policy. This describes the product page, not whether the category appears in a particular quote or responds to a loss. [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [7](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Official THREE package marketing for Inland Marine. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy..) |
| Limits and Retentions | The reviewed pages do not publish sample inland marine limits, scheduled-equipment values or deductibles. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [3](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Not found in reviewed sources; scope: Homepage and quote-intake screen as read on 2026-09-23; limits would only surface on an actual quote..) | The reviewed public product page does not state a separate limit or deductible for Inland Marine; 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..) |
| How to Apply | The physical-risk section's call to action reads "Ask about your insurance requirements →" rather than the "Get Quotes" button used elsewhere on the homepage, indicating inland marine is discussed with a specialist rather than quoted through a self-serve form. [2](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Homepage "Physical risk, because AI outgrew software" section as read on 2026-09-23; the page does not describe what that conversation covers..)<br><br>The public quote-application's coverage-selection screen offers seven checkboxes (D&O, Cyber, Tech E&O, EPL, Fiduciary, Crime and GL); Inland Marine is not one of them, so it is not part of that self-serve intake flow. [3](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Not found in reviewed sources; scope: Initial coverage-selection screen of the quote application as read on 2026-09-23; a later screen or specialist conversation could still address this line..) | 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 Inland Marine will be offered for a particular business or whether a customer can bind that line without an issued policy..) |

## Full Comparison

- [StartupInsurance.ai vs THREE by Berkshire Hathaway](https://spot.insure/compare/startupinsurance-vs-three): all coverage lines, business roles, service and claims.
- [What Is Inland Marine Insurance?](https://spot.insure/coverage/inland-marine): Inland marine covers specialized property exposures such as equipment moved between sites, installed property and goods in transit; the quote must match what you own or hold.
- [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)
- [AIG vs StartupInsurance.ai Inland Marine Insurance](https://spot.insure/compare/aig-vs-startupinsurance/inland-marine)
- [AIG vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/aig-vs-three/inland-marine)
- [Alliance Risk vs StartupInsurance.ai Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-startupinsurance/inland-marine)
- [Alliance Risk vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-three/inland-marine)
- [Berkshire Hathaway Specialty Insurance vs StartupInsurance.ai Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-startupinsurance/inland-marine)
- [Berkshire Hathaway Specialty Insurance vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three/inland-marine)

## Sources

### 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; Carrier panel; Physical risk, because AI outgrew software (Products Liability · Inland Marine · Tools and Equipment · Commercial Auto · Builders Risk · Surety · Property; "Building robots, hardware, energy or defense tech?"). Accessed 2026-09-23.
3. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Coverage-selection screen: seven checkboxes (D&O, Cyber, Tech E&O, EPL, Fiduciary, Crime, GL). 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.
5. [Insurance Licenses](https://www.contractornerd.com/insurance-licenses/). ContractorNerd; Company information: "a property and casualty independent insurance agency licensed in all 50 states"; 50-state licensing table for ContractorNerd Insurance Services, LLC. Accessed 2026-09-16.

### 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.

### Inland Marine Insurance Guide

9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery. Accessed 2026-09-16.
10. [Inland Marine Policy: Contractors’ Equipment](https://www.dms.myflorida.com/content/download/132333/823484/SoF_Policy_CE_17-18_UM00056635MA17A.pdf). Markel American Insurance Company / American Association of Insurance Services; hosted by Florida Department of Management Services; PDF p.8 declarations; attached Contractors’ Equipment printed pp.1–13 (PDF pp.18–30); replacement-cost endorsement PDF p.34. Accessed 2026-09-16.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## StartupInsurance.ai Reviews

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 Reviews

Review Score: 7.3 / 10 from 2 rated sources, equally weighted.

The inspected sources report separate measures: NerdWallet’s 4.0/5 editorial rating is excluded from the source-rating average; Trustpilot displayed 2.5/5 from five user posts and BBB displayed 4.8/5 from 265 reviews. Trustpilot and BBB include different purchase, service and agent/intermediary interactions, not a verified common policyholder cohort. BBB separately lists complaints. Any source-rating average weights eligible platforms equally and is not a pooled, representative customer-experience estimate or a claims-quality measure.

- NerdWallet: NerdWallet editorial rating 4.0 (5 stars). NerdWallet editorial evaluation of THREE commercial insurance; updated May 11, 2026. Its methodology score is an editorial rating, not an average of consumer reviews or a claims study. Period: Updated 2026-05-11. Checked 2026-09-29. [Three Insurance review | NerdWallet](https://www.nerdwallet.com/business/insurance/learn/three-insurance)
- Trustpilot: TrustScore 2.5 (5 stars); 5 reviews. Trustpilot page for threeinsurance.com checked 2026-09-29. Five user-posted reviews, one in prior 12 months; small self-selected population, review provenance not independently verified. Period: Displayed 2026-09-29. Checked 2026-09-29. [THREE Reviews | Trustpilot](https://uk.trustpilot.com/review/threeinsurance.com)
- BBB: BBB customer review average 4.8 (5 stars); 265 reviews. BBB profile for THREE by Berkshire Hathaway, customer-review and complaints pages directly rechecked 2026-09-29. The customer-review population includes sales-agent/intermediary interactions and customer purchase/service reports; it is not a verified uniform policyholder or claims-outcome cohort. Average and complaints are distinct populations. BBB says third-party information may not be verified and complaint text may be incomplete. Period: Displayed 2026-09-29. Checked 2026-09-29. [THREE by Berkshire Hathaway customer reviews | BBB](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/customer-reviews?page=1); [THREE by Berkshire Hathaway complaints | BBB](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/complaints)

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

## Agent and Developer Resources

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