---
title: "The Hartford vs THREE by Berkshire Hathaway: General Liability Insurance"
description: "The Hartford offers standalone or BOP general liability with specified claim features; THREE lists the line in its combined Business Owners Policy."
canonical: "https://spot.insure/compare/the-hartford-vs-three/general-liability"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "the-hartford-vs-three"
provider-a: "the-hartford"
provider-b: "three"
coverage-line: "general-liability"
---

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

## Agent Guide

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

**Key facts:**
- Line: General 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
- [General Liability Insurance guide](https://spot.insure/coverage/general-liability) — 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 Fiduciary Liability Insurance](https://spot.insure/compare/the-hartford-vs-three/fiduciary) — 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 General Liability Insurance](https://spot.insure/compare/aig-vs-the-hartford/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/aig-vs-three/general-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs The Hartford General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/general-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/general-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs The Hartford General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/general-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-three/general-liability) — sibling comparison (other line, or other pair for this line)

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

The Hartford offers standalone or BOP general liability with specified claim features; THREE lists the line in its combined Business Owners Policy.

## Research Scope and Use

Use this comparison to evaluate The Hartford and THREE by Berkshire Hathaway for General 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 products-completed operations, advertising injury, product liability and medical payments, plus 24/7 claims access. THREE lists GL in its package. [4](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [7](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

## What Is 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. [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 General Liability Insurance?

General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. [9](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form")

## Key Differences in General Liability Insurance

### Standalone Policy or Package Component

The Hartford says small businesses can buy general liability as a standalone policy or bundle it into a Business Owner's Policy. THREE presents GL as a component of its combined Business Owners Policy. Compare the Hartford's standalone quote with the full THREE package, especially if property or other lines affect the total premium and limits. [4](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Coverage Features and Product Recall

The Hartford lists bodily injury, property damage, personal and advertising injury, legal fees, products-completed operations and medical payments for minor injuries. Product liability is included, while product recall is available only by endorsement. THREE lists GL but its reviewed record does not give matching detail on these features. If product losses are central, distinguish liability claims from recall costs in both quotes. [4](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Claims Contact

The Hartford offers a 24/7 GL claims phone line and an online form. THREE offers an online quote and licensed advisor help, but the reviewed claims do not provide a GL claims-reporting route. Ask who receives a claim notice after binding and whether the insurer or broker will manage the process. [5](https://www.thehartford.com/general-liability-insurance/claims "General Liability Claims | File A Claim") [6](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

## What to Confirm in General Liability Insurance Quotes

- Ask the Hartford for product-liability and product-recall terms, limits and any required endorsement; request THREE's comparable wording. [4](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")
- Record each insurer's claims phone or portal, policy limits, deductibles and certificate process. [5](https://www.thehartford.com/general-liability-insurance/claims "General Liability Claims | File A Claim") [6](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

## Offering Details

| Criteria | The Hartford General Liability Insurance | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | The Hartford's general liability insurance (GLI), also called commercial general liability (CGL), helps protect small businesses from third-party claims of bodily injury or property damage. It can be bought as a stand-alone policy or bundled into a Business Owner's Policy. [4](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") (Evidence: Company-reported; scope: General liability product page as read 2026-09-23..) | THREE presents General Liability 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 | Confirm in your quote. | 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 Hartford markets GL coverage to businesses that meet clients face-to-face, work on or with client property, use third-party locations, or advertise, and names specific professions it targets, including architects, engineers, photographers, hair salons, gym owners, interior designers, technology companies, landscapers and real estate agents. [4](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") (Evidence: Company-reported; scope: General liability product page as read 2026-09-23..) | The reviewed product page does not state separate eligibility rules for General Liability; 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 | The Hartford lists key coverages under its GL policy: bodily injury, property damage, personal and advertising injury (like libel or false advertising claims), legal fees/judgments/settlements, copyright infringement in advertising, products-completed operations (claims after a job is finished), and medical payments for minor injuries regardless of fault. Product liability coverage is included as part of the GL policy, while product recall is available only as an endorsement. [4](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") (Evidence: Company-reported; scope: General liability product page as read 2026-09-23. Coverage descriptions are general; the issued policy controls..) | THREE's Business Owners Policy page lists General 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. [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 General 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 | The Hartford reports average GL premiums of about $810 a year ($67 a month) for its customers, and says cost varies by business type, revenue, employee count, location, coverage limits/deductibles and claims history; the page does not publish standard limit or deductible amounts. [4](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") (Evidence: Company-reported; scope: Company-reported average as of 2026-09-23; not a specific quote..) | The reviewed public product page does not state a separate limit or deductible for General Liability; 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 | Confirm in your quote. | 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 General Liability will be offered for a particular business or whether a customer can bind that line without an issued policy..) |
| Claims Support | The Hartford provides a 24/7 general liability claims phone line (800-327-3636) and an online claim form, with a policy-type selector that also covers cyber, employee benefits, property and workers' compensation claims. [5](https://www.thehartford.com/general-liability-insurance/claims "General Liability Claims | File A Claim") (Evidence: Company-reported; scope: GL claims page as read 2026-09-23. Describes intake channels, not claim outcomes..) | Confirm in your quote. |

## 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 General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability can protect your business from covered injury and property-damage claims; your building, tools and stock need separate property coverage.
- [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 Fiduciary Liability Insurance](https://spot.insure/compare/the-hartford-vs-three/fiduciary)
- [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 General Liability Insurance](https://spot.insure/compare/aig-vs-the-hartford/general-liability)
- [AIG vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/aig-vs-three/general-liability)
- [Alliance Risk vs The Hartford General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/general-liability)
- [Alliance Risk vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/general-liability)
- [Amelia Risk vs The Hartford General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/general-liability)
- [Amelia Risk vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-three/general-liability)

## 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. [General Liability Insurance](https://www.thehartford.com/general-liability-insurance). The Hartford; What Is General Liability Insurance?; How Much Does General Liability Insurance Cost?; Key Coverages; Examples of General Liability Coverage; Bundle It All With a BOP; Who Needs General Liability Insurance?. Accessed 2026-09-23.
5. [General Liability Claims | File A Claim](https://www.thehartford.com/general-liability-insurance/claims). The Hartford; 24/7 phone 800-327-3636; online general-liability claim form. Accessed 2026-09-23.

### 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.

### General Liability Insurance Guide

9. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated?. Accessed 2026-09-16.
11. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. 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).

## Agent and Developer Resources

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