--- title: "THREE by Berkshire Hathaway vs Travelers: Fiduciary Liability Insurance" description: "THREE lists fiduciary liability in its combined Business Owners Policy, while Travelers offers it standalone or with management-liability coverage." canonical: "https://spot.insure/compare/three-vs-travelers/fiduciary" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "three-vs-travelers" provider-a: "three" provider-b: "travelers" coverage-line: "fiduciary" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/three-vs-travelers/fiduciary) ## Agent Guide **What this page is:** Focused comparison of THREE by Berkshire Hathaway and Travelers 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 THREE by Berkshire Hathaway versus Travelers. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - THREE by Berkshire Hathaway vs Travelers for Fiduciary Liability Insurance: how do they differ? - Which is better for Fiduciary Liability Insurance, THREE by Berkshire Hathaway or Travelers? - What does THREE by Berkshire Hathaway or Travelers publish about Fiduciary Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Fiduciary Liability Insurance from THREE by Berkshire Hathaway or Travelers? **Key facts:** - Line: Fiduciary Liability Insurance. Providers: THREE by Berkshire Hathaway and Travelers. - 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:** - [THREE by Berkshire Hathaway vs Travelers](https://spot.insure/compare/three-vs-travelers) — parent: all coverage lines for this pair - [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — coverage explainer for this line - [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence) - [Travelers profile](https://spot.insure/insurance-providers/travelers) — provider profile (evidence) - [THREE by Berkshire Hathaway vs Travelers Business Owner’s Policy](https://spot.insure/compare/three-vs-travelers/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Travelers Commercial Auto Insurance](https://spot.insure/compare/three-vs-travelers/commercial-auto) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Travelers Commercial Property Insurance](https://spot.insure/compare/three-vs-travelers/commercial-property) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Travelers General Liability Insurance](https://spot.insure/compare/three-vs-travelers/general-liability) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Travelers Inland Marine Insurance](https://spot.insure/compare/three-vs-travelers/inland-marine) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/three-vs-travelers/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/three-vs-travelers/workers-compensation) — 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) - [AIG vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-travelers/fiduciary) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/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) - [Aon vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-travelers/fiduciary) — sibling comparison (other line, or other pair for this line) - [The Baldwin Group vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-three/fiduciary) — sibling comparison (other line, or other pair for this line) # THREE by Berkshire Hathaway vs Travelers: How Do They Compare for Fiduciary Liability Insurance? THREE lists fiduciary liability in its combined Business Owners Policy, while Travelers offers it standalone or with management-liability coverage. ## Research Scope and Use Use this comparison to evaluate THREE by Berkshire Hathaway and Travelers 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 THREE presents fiduciary liability as a package component; Travelers describes standalone and combined options with ERISA plan-management claims coverage through an independent agent. [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [7](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") ## 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. [1](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [2](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 Travelers Insurance? Travelers suits technology companies that want CyberRisk Tech and can work through an independent agent; buyers seeking a direct online technology quote should compare digital providers. Many small accounts can be quoted in agent platforms, while specialty risks need underwriting. [4](https://www.travelers.com/business-insurance/technology "Technology Insurance") [5](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [6](https://www.travelers.com/contact-us "Contact Us") [Travelers profile](https://spot.insure/insurance-providers/travelers) ## 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 ### Standalone Choice or Combined Policy Travelers says it underwrites fiduciary liability within Management & Professional Liability and makes it available alone or alongside other management-liability coverages. THREE describes fiduciary liability as part of its combined Business Owners Policy. If you are coordinating multiple management lines, compare Travelers' stated standalone option with the coverage THREE actually includes in its package quote. [7](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ### Plan Administration Claims Travelers describes protection for companies and individuals managing retirement or health plans, including ERISA fiduciary-duty claims, litigation costs and plan-administration errors or omissions. THREE lists fiduciary liability in the package but its reviewed product description does not specify comparable claim scenarios. Ask THREE which plan duties and defense costs its form addresses, and compare the wording with the Travelers proposal. [7](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ### Buying and Identifying the Issuer Travelers places this coverage through an independent agent, and its disclosed issuing company can vary by policy. THREE offers an online quote and licensed Small Business Advisors; its linked sample declarations identify Berkshire Hathaway Direct Insurance Company, though a quote still governs the specific policy. For either route, get the issuer and fiduciary-specific declarations before comparing price. [7](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") [7](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") [1](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") ## What to Confirm in Fiduciary Liability Insurance Quotes - Ask Travelers which affiliate will issue the policy and whether it is standalone; ask THREE to show fiduciary liability, limits and insured plan roles on its package quote. [7](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") - Compare ERISA-related defense costs and coverage for retirement, health and plan-administration errors. [7](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ## Offering Details | Criteria | THREE Business Owners Policy | Travelers Fiduciary Liability Insurance | | --- | --- | --- | | Role in This Line | 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. [3](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..) | Travelers underwrites fiduciary liability insurance as part of its Management & Professional Liability line, sold standalone or alongside other management liability coverages. [7](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Product page general framing; confirmed against the broader Management and Professional Liability Insurance page..) | | Issuing Insurer | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [2](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..) | The product page's video disclosure names Travelers Casualty and Surety Company of America and its property casualty affiliates; the specific issuing entity for a given policy can vary. [7](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Product page video legal footer..) | | Who It’s For | 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. [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [1](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..) | Travelers markets fiduciary liability coverage to financial institutions, nonprofit organizations, private companies and public companies. [7](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Product page "Who is fiduciary liability insurance right for?" section..) | | Coverage Features | 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. [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [2](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..) | Travelers says fiduciary liability coverage protects companies and individuals who manage a company-sponsored retirement or health plan from claims of mismanagement and personal liability for breach of fiduciary duty under ERISA, including litigation costs and errors or omissions in plan administration. [7](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Product page "What Is Fiduciary Liability Insurance?" and "What does fiduciary liability insurance cover?" sections; exact terms and exclusions are set by the issued policy..) | | Limits and Retentions | 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. [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [2](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..) | The reviewed page does not publish fiduciary liability limits, retentions or premiums; it cites industry claim examples (settlements and defense costs from roughly $1 million to $14 million, and an average ERISA case cost topping $1.2 million) as general risk context, not as policy terms. [7](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") (Evidence: Not found in reviewed sources; scope: Product page video claim scenarios and cost statistics as read on 2026-09-23..) | | How to Apply | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. [1](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..) | Fiduciary liability coverage is bought through a Travelers independent agent. [7](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability "Fiduciary Liability Insurance") (Evidence: Company-reported; scope: Product page "Find an insurance agent" call to action..) | ## Full Comparison - [THREE by Berkshire Hathaway vs Travelers](https://spot.insure/compare/three-vs-travelers): 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. - [THREE by Berkshire Hathaway vs Travelers Business Owner’s Policy](https://spot.insure/compare/three-vs-travelers/business-owners-policy) - [THREE by Berkshire Hathaway vs Travelers Commercial Auto Insurance](https://spot.insure/compare/three-vs-travelers/commercial-auto) - [THREE by Berkshire Hathaway vs Travelers Commercial Property Insurance](https://spot.insure/compare/three-vs-travelers/commercial-property) - [THREE by Berkshire Hathaway vs Travelers General Liability Insurance](https://spot.insure/compare/three-vs-travelers/general-liability) - [THREE by Berkshire Hathaway vs Travelers Inland Marine Insurance](https://spot.insure/compare/three-vs-travelers/inland-marine) - [THREE by Berkshire Hathaway vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/three-vs-travelers/professional-errors-omissions) - [THREE by Berkshire Hathaway vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/three-vs-travelers/workers-compensation) - [AIG vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-three/fiduciary) - [AIG vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/aig-vs-travelers/fiduciary) - [Alliance Risk vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/fiduciary) - [Aon vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-three/fiduciary) - [Aon vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/aon-vs-travelers/fiduciary) - [The Baldwin Group vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/baldwin-vs-three/fiduciary) ## Sources ### THREE by Berkshire Hathaway 1. [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. 2. [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. 3. [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. ### Travelers 4. [Technology Insurance](https://www.travelers.com/business-insurance/technology). Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16. 5. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16. 6. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16. 7. [Fiduciary Liability Insurance](https://www.travelers.com/business-insurance/professional-liability-insurance/fiduciary-liability). Travelers; What Is Fiduciary Liability Insurance?; What does fiduciary liability insurance cover?; Who is fiduciary liability insurance right for?; video legal footer naming Travelers Casualty and Surety Company of America. Accessed 2026-09-23. ### 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. ## 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). ## Travelers Reviews Review Score: 4.8 / 10 from 3 rated sources, equally weighted. Travelers earns 4.5/5 from NerdWallet, but customer feedback is poor: 1.4/5 on Trustpilot and 1.3/5 for homeowners on ConsumerAffairs. Those reviews mostly concern personal insurance. - 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 Travelers](https://www.nerdwallet.com/business/insurance/learn/travelers-business-insurance) - Trustpilot: Trustpilot TrustScore 1.4 (5 stars); 144 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 Travelers](https://www.trustpilot.com/review/travelers.com) - ConsumerAffairs: ConsumerAffairs homeowners consumer rating 1.3 (5 stars); 331 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-09-21; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for Travelers](https://www.consumeraffairs.com/insurance/travelers.html) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/travelers/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/three-vs-travelers/fiduciary.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)