--- title: "THREE Insurance Reliability Evidence" description: "An entity-scoped account of public evidence about THREE’s named insurer, financial disclosures, claims processes and material limitations; evidence is insufficient for a numerical assessment." canonical: "https://spot.insure/insurance-providers/three/reliability" page-type: "reliability-article" updated-at: "2026-09-29" --- 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/insurance-providers/three/reliability) # THREE Insurance Reliability Evidence An entity-scoped account of public evidence about THREE’s named insurer, financial disclosures, claims processes and material limitations; evidence is insufficient for a numerical assessment. ## Assessment - **Role:** Insurance carrier - **Scope:** Berkshire Hathaway Direct Insurance Company (BHDIC), the insurer named on the displayed THREE sample policy. THREE is the commercial product/DBA label. This assessment uses BHDIC-specific evidence only; information about parent companies, affiliates, brokers and other Berkshire insurers is not transferred to BHDIC. **Assessed entity: Berkshire Hathaway Direct Insurance Company. Scope: Berkshire Hathaway Direct Insurance Company (BHDIC), the insurer named on the displayed THREE sample policy. THREE is the commercial product/DBA label. This assessment uses BHDIC-specific evidence only; information about parent companies, affiliates, brokers and other Berkshire insurers is not transferred to BHDIC.** No numerical reliability score is assigned. Current entity-specific authority, executed reinsurance terms, claims delegation and complete financial detail are not established by the reviewed public evidence. Available sources include company disclosures and one unresolved party allegation with the insurer’s denial; that allegation is not an adjudicated finding. - **Carrier & MGA Spot Score:** **Not Rated** - **Subject:** Assessed entity: Berkshire Hathaway Direct Insurance Company. Scope: Berkshire Hathaway Direct Insurance Company (BHDIC), the insurer named on the displayed THREE sample policy. THREE is the commercial product/DBA label. This assessment uses BHDIC-specific evidence only; information about parent companies, affiliates, brokers and other Berkshire insurers is not transferred to BHDIC. - **Role:** Insurance carrier - **Scope:** Berkshire Hathaway Direct Insurance Company (BHDIC), the insurer named on the displayed THREE sample policy. THREE is the commercial product/DBA label. This assessment uses BHDIC-specific evidence only; information about parent companies, affiliates, brokers and other Berkshire insurers is not transferred to BHDIC. - **Assessed:** 2026-09-29 - **Review due:** 2027-03-29 - **Factor basis:** No current numerical score. Excluded: Identity and Authority; Financial Resilience; Claims and Servicing; Carrier-Network Strength; Regulatory Conduct; Disclosure Clarity. - **Methodology:** [How we calculate the Spot Score](/spot-rating) - **Provider profile:** [THREE by Berkshire Hathaway](/insurance-providers/three) ## Research summary ### Insurer Identity and Authority THREE’s site and sample declarations identify Berkshire Hathaway Direct Insurance Company (BHDIC) as the insurer and THREE as its commercial product/DBA name. The declarations and issued state form identify the insurer for a particular policy. [THREE by Berkshire Hathaway — small business insurance](https://threeinsurance.com/), [The Policy](https://threeinsurance.com/the-policy), [FAQs: Understanding THREE](https://threeinsurance.com/faqs) ### Financial Information A company-published June 2026 BHDIC financial snapshot reports assets, liabilities and surplus on a statutory accounting basis. AM Best’s April 16, 2026 release affirmed an A++ (Superior) Financial Strength Rating and an aaa (Exceptional) Long-Term Issuer Credit Rating, both with stable outlooks, for National Indemnity Company and named affiliates including BHDIC. The release’s explanatory analysis is group-scoped and does not establish every BHDIC-specific financial detail. [Bhdic Financial 2026Q2](https://www.nationalindemnity.com/content/dam/pdfs/financial-reports/Berkshire_Hathaway_Direct_Insurance_Company.pdf), [Ambest National Indemnity Release](https://news.ambest.com/NewsContent.aspx?altsrc=23&refnum=273871) ### Claims Handling and Accountability The displayed sample policy gives the insurer rights to prepare and defend liability claims and decide whether to settle, subject to the issued policy and state form. THREE describes online or phone claim reporting and an account-manager contact after submission; it does not identify the current adjuster or administrator. A Florida commercial-property claimant’s filing alleges delay and underpayment. BHDIC counsel’s response denies bad faith; the filing page shows no adjudication or final outcome. [The Policy](https://threeinsurance.com/the-policy), [Filing a Claim: Call to get started](https://threeinsurance.com/claims), [Civil Remedy Notice filing 813495](https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=813495) ### Reinsurance Support THREE states that National Indemnity Company provides 90% quota-share reinsurance support. This is a company-reported description; the executed treaty, retained share and allocation by state or policy period were not reviewed. National Indemnity is described as reinsurer, not issuer of the displayed THREE policy. [FAQs: Understanding THREE](https://threeinsurance.com/faqs) ### Conduct Evidence and Limits Florida Civil Remedy Notice 813495, accepted March 27, 2025, contains a party-submitted allegation about delay and underpayment on a commercial property/water claim against BHDIC. BHDIC counsel responded on May 23, 2025, denying bad faith. The portal shows no adjudication or final outcome; this filing and response are not a finding of misconduct. [Civil Remedy Notice filing 813495](https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=813495) ### Public Disclosures THREE distinguishes its product name from the insurer and describes claim reporting routes. Its terms say New York policyholders may request more information about representative compensation; that statement is limited to the described New York context and is not a nationwide compensation schedule. [THREE by Berkshire Hathaway — small business insurance](https://threeinsurance.com/), [The Policy](https://threeinsurance.com/the-policy), [FAQs: Understanding THREE](https://threeinsurance.com/faqs), [Terms & Conditions](https://threeinsurance.com/terms-conditions), [Filing a Claim: Call to get started](https://threeinsurance.com/claims) ## Licenses and authority No license records are included in this assessment. ## Jurisdiction searches No jurisdiction searches are recorded. ## Rating dimensions ### Carrier & MGA Spot Score No numerical factor breakdown is published for the Carrier & MGA Spot Score. ## Evidence gaps - THREE’s public claim materials do not identify the current claim adjustment administrator or delegation arrangements. - The executed quota-share treaty and its allocation by state or policy period are not described in the inspected public materials. ## Related terms No published related terms are recorded. ## Sources - [Civil Remedy Notice filing 813495](https://apps.fldfs.com/CivilRemedy/ViewFiling.aspx?fid=813495) — Florida Department of Financial Services (filing portal; party-submitted notice); Accepted 2025-03-27; filing identifies BHDIC (NAIC 10391), commercial property/water claim; complainant alleges delay and underpayment. BHDIC counsel response dated 2025-05-23 denies bad faith. Page shows no adjudication or outcome. This is a party filing and response, not a regulator finding.; accessed 2026-09-29. - [THREE by Berkshire Hathaway — small business insurance](https://threeinsurance.com/) — Berkshire Hathaway Direct Insurance Company, dba THREE; Issuer, business focus, and industry scope, lines 70–81; quote/advisor route, lines 405–420; DBA footer, lines 432–434; accessed 2026-09-28. - [The Policy](https://threeinsurance.com/the-policy) — Berkshire Hathaway Direct Insurance Company, dba THREE; Sample declarations, limits and three-day Business Interruption waiting period (lines 58–76); Section I: interruption follows a property loss the insurer pays and ends on resumed normal operations or an applicable limit (lines 82–86); Section III: machinery/equipment/listed vehicles stopping without an accident are excluded (lines 104–112).; accessed 2026-09-29. - [FAQs: Understanding THREE](https://threeinsurance.com/faqs) — Berkshire Hathaway Direct Insurance Company, dba THREE; Quote save/resume, lines 73–76; claim/update routes, lines 78–89; product-not-company wording, lines 98–100; one-year policy/payment terms, lines 129–130; servicing requests, lines 141–157; accessed 2026-09-28. - [Filing a Claim: Call to get started](https://threeinsurance.com/claims) — Berkshire Hathaway Direct Insurance Company, dba THREE; Online/phone claims and account-manager assignment, lines 24–43; claim updates, lines 59–61; accessed 2026-09-28. - [Terms & Conditions](https://threeinsurance.com/terms-conditions) — Berkshire Hathaway Direct Insurance Company, dba THREE; BHDIC dba THREE, lines 20–23; recurring automatic bank draft qualification, lines 27–33; accessed 2026-09-28. - [Bhdic Financial 2026Q2](https://www.nationalindemnity.com/content/dam/pdfs/financial-reports/Berkshire_Hathaway_Direct_Insurance_Company.pdf) — Berkshire Hathaway Direct Insurance Company; Page 1: BHDIC address; June 30, 2026 assets, liabilities and surplus; footnote identifies statutory accounting basis. The undated rating line is not used as rating evidence.; accessed 2026-09-28. - [Ambest National Indemnity Release](https://news.ambest.com/NewsContent.aspx?altsrc=23&refnum=273871) — AM Best; AM Best release dated 2026-04-16, opening rating-action paragraph and named-company list: affirmed A++ (Superior) Financial Strength Rating and aaa (Exceptional) Long-Term Issuer Credit Rating, stable outlook, for National Indemnity Company and named affiliates including Berkshire Hathaway Direct Insurance Company. Explanatory analysis is group-scoped; it does not establish every BHDIC-specific financial detail.; accessed 2026-09-29. ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-providers/three/reliability.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)