---
title: "The Hartford vs THREE by Berkshire Hathaway: Inland Marine Insurance"
description: "The Hartford offers multiple inland-marine products for midsize and large firms; THREE lists the line within its combined Business Owners Policy."
canonical: "https://spot.insure/compare/the-hartford-vs-three/inland-marine"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "the-hartford-vs-three"
provider-a: "the-hartford"
provider-b: "three"
coverage-line: "inland-marine"
---

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

## Agent Guide

**What this page is:** Focused comparison of The Hartford 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 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 Inland Marine Insurance: how do they differ?
- Which is better for Inland Marine Insurance, The Hartford or THREE by Berkshire Hathaway?
- What does The Hartford 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 The Hartford or THREE by Berkshire Hathaway?

**Key facts:**
- Line: Inland Marine 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
- [Inland Marine Insurance guide](https://spot.insure/coverage/inland-marine) — 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 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 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 Inland Marine Insurance](https://spot.insure/compare/aig-vs-the-hartford/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 The Hartford Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/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 The Hartford Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/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)

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

The Hartford offers multiple inland-marine products for midsize and large firms; THREE lists the line within its combined Business Owners Policy.

## Research Scope and Use

Use this comparison to evaluate The Hartford 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

The Hartford names builders risk, contractor equipment, cargo and warehouse coverages for midsize and large businesses. THREE lists inland marine within its package. [4](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") [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 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. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](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

### Business Size and Product Range

The Hartford says its inland-marine solutions target midsize and large businesses and names builders risk, installation, warehouse and logistics, contractor equipment, renewable energy, carrier logistics, fine arts and bailee processor coverage. THREE lists inland marine as one category in its combined Business Owners Policy. Companies with specialized or high-value exposures should ask The Hartford which named line applies and ask THREE whether its package addresses the same property. [4](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Fixed Location Versus Property on the Move

The Hartford distinguishes inland marine for tools, equipment and property moved between locations or used or stored away from the main site from commercial property focused on fixed locations. THREE names inland marine without detail on transit or off-site storage in the reviewed evidence. Identify property that leaves premises and confirm the applicable territory and storage terms in both proposals. [4](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Specialist Submission and Premium Threshold

The Hartford says its Quick Quote Marine team handles select submissions, including contractor equipment, builders risk, installation and motor-truck cargo; it notes premiums for larger businesses start at $10,000. THREE provides an online quote and advisor route but no comparable marine-specific threshold. Ask The Hartford whether the line and minimum apply, and ask THREE for a marine specialist if the package does not fit. [4](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

## What to Confirm in Inland Marine Insurance Quotes

- Ask which Hartford product, submission route and premium threshold apply; ask THREE for covered property, limits and any marine specialist contact. [4](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")
- Compare transit, warehouse, installation, equipment-rental and bailee terms for the business's specific inventory. [4](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

## Offering Details

| Criteria | The Hartford Inland Marine Insurance Solutions | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | The Hartford's Inland Marine Insurance Solutions are built for midsize and large businesses, protecting tools, equipment and property that move between locations or are used/stored away from a main business site, distinct from commercial property insurance, which focuses on property at a fixed location. [4](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") (Evidence: Company-reported; scope: Inland marine product page as read 2026-09-23..) | 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. [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 inland marine page does not name which Hartford property-and-casualty subsidiary would issue a given buyer's inland marine policy. [4](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") (Evidence: Not publicly disclosed; scope: Inland marine product page checked 2026-09-23..) | 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 targets inland marine at midsize and large businesses in construction, technology (high-value or specialized equipment), transportation and logistics, equipment rental and sales, and warehousing of others' property; for larger businesses, premiums through its Quick Quote Marine team start at $10,000. [4](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") (Evidence: Company-reported; scope: Inland marine product page as read 2026-09-23. The $10,000 figure is a stated premium starting point, not a coverage limit..) | 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. [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 offers named inland marine coverage types: Builders Risk and Installation, Warehouse and Logistics (Warehouse Legal Liability), Contractors' Equipment, Renewable Energy (solar, fuel cell, BESS), Carrier Logistics, and miscellaneous coverages like Fine Arts and Bailee Processor. [4](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") (Evidence: Company-reported; scope: Inland marine product page as read 2026-09-23. Capability list with linked application forms, not a specimen policy..) | 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. [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 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 | Confirm in your 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. [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 | The Hartford says its Quick Quote Marine team handles submissions for select inland marine lines (Contractor's Equipment, Builder's Risk, Installation, Motor Truck Cargo), and describes claims support designed for time-sensitive situations, with submissions routed to marineservice@thehartford.com. [4](https://www.thehartford.com/inland-marine-insurance "Inland Marine Insurance Solutions") (Evidence: Company-reported; scope: Inland marine product page as read 2026-09-23..) | Confirm in your quote. |
| 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 Inland Marine 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 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.
- [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 General Liability Insurance](https://spot.insure/compare/the-hartford-vs-three/general-liability)
- [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 Inland Marine Insurance](https://spot.insure/compare/aig-vs-the-hartford/inland-marine)
- [AIG vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/aig-vs-three/inland-marine)
- [Alliance Risk vs The Hartford Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/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 The Hartford Inland Marine Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-the-hartford/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

### 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. [Inland Marine Insurance Solutions](https://www.thehartford.com/inland-marine-insurance). The Hartford; Specialized Protection for Moveable Assets and Those in Transition; What Is Inland Marine Insurance?; Who Needs Inland Marine Insurance?; Types of Coverages; Inland Marine vs. Commercial Property Insurance; Why Choose The Hartford?. 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.

### Inland Marine Insurance Guide

8. [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.
9. [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.

## 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

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