---
title: "The Hartford vs THREE by Berkshire Hathaway: Fiduciary Liability Insurance"
description: "The Hartford describes fiduciary coverage within management-liability and financial-institution offerings; THREE lists it in a combined small-business policy."
canonical: "https://spot.insure/compare/the-hartford-vs-three/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "the-hartford-vs-three"
provider-a: "the-hartford"
provider-b: "three"
coverage-line: "fiduciary"
---

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[Human-readable page](https://spot.insure/compare/the-hartford-vs-three/fiduciary)

## Agent Guide

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

**Key facts:**
- Line: Fiduciary Liability Insurance. Providers: The Hartford 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:**
- [The Hartford vs THREE by Berkshire Hathaway](https://spot.insure/compare/the-hartford-vs-three) — parent: all coverage lines for this pair
- [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — coverage explainer for this line
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile (evidence)
- [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence)
- [The Hartford vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/the-hartford-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [The Hartford vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/the-hartford-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [The Hartford vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/the-hartford-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line)
- [The Hartford vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/the-hartford-vs-three/general-liability) — sibling comparison (other line, or other pair for this line)
- [The Hartford vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/the-hartford-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line)
- [The Hartford vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/the-hartford-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [The Hartford vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/the-hartford-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-the-hartford/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-three/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-the-hartford/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Aon vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-three/fiduciary) — sibling comparison (other line, or other pair for this line)
- [The Baldwin Group vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-the-hartford/fiduciary) — sibling comparison (other line, or other pair for this line)

# The Hartford vs THREE by Berkshire Hathaway: How Do They Compare for Fiduciary Liability Insurance?

The Hartford describes fiduciary coverage within management-liability and financial-institution offerings; THREE lists it in a combined small-business policy.

## Research Scope and Use

Use this comparison to evaluate The Hartford and THREE by Berkshire Hathaway for Fiduciary Liability 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

The Hartford names nonprofit, public and private organizations and gives a benefit-plan claim example. THREE lists fiduciary liability as a category within its Business Owners Policy. [4](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [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 The Hartford?

The Hartford suits SaaS and software small businesses seeking a BOP and an online quote; buyers needing commercial auto through self-service or built-in California EPL coverage should use another route. Eligible small-business quotes can start online in minutes. [1](https://www.thehartford.com/legal-notice "Legal Notice") [2](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [3](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent")

[The Hartford profile](https://spot.insure/insurance-providers/the-hartford)

## 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 Fiduciary Liability Insurance?

Fiduciary liability can protect your company and plan fiduciaries when participants claim mishandling of an employee benefit plan. If you sponsor a retirement or health plan, check who is insured and whether both administration errors and fiduciary-breach claims are addressed. [8](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf "Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements") [9](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9 "Fiduciary Liability") [10](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance")

## Key Differences in Fiduciary Liability Insurance

### Management-Liability Options and Business Package

The Hartford places fiduciary liability among five options in Private Choice Premier and also describes a separate fiduciary line in its financial-institutions management and professional products. THREE lists the coverage as a component of its combined Business Owners Policy. Buyers can therefore ask The Hartford which management-liability structure suits their organization, while asking THREE whether fiduciary liability appears in the small-business package quote. [4](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Organization Types and Plan Examples

The Hartford identifies nonprofit, publicly traded and privately held organizations as eligible audiences and illustrates a claim involving unpaid employee medical bills under a benefit plan. THREE's reviewed description lists fiduciary liability but does not give matching organization types or plan examples. A buyer should compare whether the proposal covers the employer's plan administration and the specific organization structure, rather than relying on a broad coverage label. [4](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [4](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Route to a Quote

THREE directs small-business buyers to an online quote with licensed Small Business Advisors available. The Hartford presents fiduciary coverage through its management-liability lineup, but the reviewed claims do not spell out a comparable online workflow. Ask both providers what application details they need and whether fiduciary can be quoted separately from related management coverages. [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [4](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## What to Confirm in Fiduciary Liability Insurance Quotes

- Ask The Hartford whether fiduciary is standalone or part of Private Choice Premier for your organization; ask THREE to identify the line in the combined quote. [4](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")
- Compare covered plans, insured fiduciaries, defense costs and limits, including claims tied to unpaid employee medical benefits. [4](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

## Offering Details

| Criteria | The Hartford Fiduciary Liability Insurance | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | The Hartford's fiduciary liability coverage is one of five options in its Private Choice Premier management-liability package; it also offers a separate fiduciary liability line within its financial-institutions management and professional liability products. [4](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23..) | THREE presents Fiduciary Liability 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 | Confirm in your quote. | 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 | The Hartford's fiduciary liability coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. [4](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23..) | The reviewed product page does not state separate eligibility rules for Fiduciary Liability; 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 | The Hartford says fiduciary liability insurance helps protect a business from claims of fiduciary mismanagement, giving as an example a staff member's claim after their medical bills weren't paid in accordance with the employer's benefit plans. [4](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23. General coverage description; the issued policy controls..) | THREE's Business Owners Policy page lists Fiduciary Liability 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 Fiduciary Liability. 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 Fiduciary Liability; 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..) |
| How to Apply | Confirm in your quote. | 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 Fiduciary Liability will be offered for a particular business or whether a customer can bind that line without an issued policy..) |

## Full Comparison

- [The Hartford vs THREE by Berkshire Hathaway](https://spot.insure/compare/the-hartford-vs-three): all coverage lines, business roles, service and claims.
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability can protect your company and plan fiduciaries from covered claims about benefit-plan management; check who is insured and whether administration errors are included.
- [The Hartford vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/the-hartford-vs-three/business-owners-policy)
- [The Hartford vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/the-hartford-vs-three/commercial-auto)
- [The Hartford vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/the-hartford-vs-three/commercial-property)
- [The Hartford vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/the-hartford-vs-three/general-liability)
- [The Hartford vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/the-hartford-vs-three/inland-marine)
- [The Hartford vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/the-hartford-vs-three/professional-errors-omissions)
- [The Hartford vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/the-hartford-vs-three/workers-compensation)
- [AIG vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-the-hartford/fiduciary)
- [AIG vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-three/fiduciary)
- [Alliance Risk vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/fiduciary)
- [Aon vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-the-hartford/fiduciary)
- [Aon vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-three/fiduciary)
- [The Baldwin Group vs The Hartford Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-the-hartford/fiduciary)

## Sources

### The Hartford

1. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
2. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
3. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
4. [Management Liability Insurance | Get a Quote](https://www.thehartford.com/management-liability-insurance). The Hartford; Fiduciary Liability Insurance section; Who Does Management Liability Insurance Protect?; Management and Professional Liability Insurance for Financial Institutions. Accessed 2026-09-23.

### 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.

### Fiduciary Liability Insurance Guide

8. [Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements](https://www.dol.gov/sites/dolgov/files/ebsa/employers-and-advisers/guidance/field-assistance-bulletins/erisa-fidelity-bonding-requirements.pdf). U.S. Department of Labor, Employee Benefits Security Administration; Q2 pp.2–3. Accessed 2026-09-16.
9. [Fiduciary Liability](https://asset.trvstatic.com/download/assets/fri-3001.pdf/c75b6c8e63ca11ee93454641efede6a9). Travelers Casualty and Surety Company of America; II.D,J–L pp.2–3; II.A p.1; II.V p.5; Header p.1; II.M p.3; I p.1; III.A.6–8 pp.5–6; II.M.2 p.3; III.B.1 p.6. Accessed 2026-09-16.
10. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; What Is Fiduciary Liability Insurance?. 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.

## The Hartford Reviews

Review Score: 4.9 / 10 from 5 rated sources, equally weighted.

The Hartford’s service record is mixed: NerdWallet rates it 4.5/5 but reports below-average small-business satisfaction. Low Trustpilot ratings add a service concern, although they mix policy types.

- NerdWallet: NerdWallet editorial rating 4.5 (5 stars). Editorial commercial-insurance assessment; methodology and scope belong to publisher. Period: 2026 review; accessed 2026-09-25. Checked 2026-09-25. [NerdWallet result for The Hartford](https://www.nerdwallet.com/business/insurance/learn/hartford-business-insurance)
- J.D. Power: J.D. Power commercial-lines independent-agent satisfaction index 794 (out of 1000). Study population/segment as stated; not a universal policy quality score. Period: 2022 study; accessed 2026-09-25. Checked 2026-09-25. [J.D. Power 2022 U.S. Independent Agent Satisfaction Study — commercial lines ranking](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf)
- Trustpilot: Trustpilot TrustScore 1.2 (5 stars); 493 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for The Hartford](https://www.trustpilot.com/review/thehartford.com)
- ConsumerAffairs: ConsumerAffairs homeowners consumer rating 1.6 (5 stars); 147 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-09-12; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for The Hartford](https://www.consumeraffairs.com/insurance/hartford_homeowners.html)
- Google reviews via Birdeye: Birdeye office listing rating from Google reviews 1.0 (5 stars); 10 reviews. One Schaumburg, Illinois insurance office listing; not firmwide. Birdeye shows Google as review origin (10) and Birdeye-native reviews (0), so counts are syndicated Google reviews, not independent Birdeye reviews. Visible reviews mix business, personal, and employee-benefit claims. Period: accessed 2026-09-25. Checked 2026-09-25. [The Hartford office, Schaumburg, IL — Birdeye listing of Google reviews](https://reviews.birdeye.com/the-hartford-176946619436860)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/the-hartford/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).

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