---
title: "THREE Customer Reviews and Ratings"
description: "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."
canonical: "https://spot.insure/insurance-providers/three/reviews"
page-type: "provider-reviews"
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/reviews)

Canonical URL: https://spot.insure/insurance-providers/three/reviews

# THREE Customer Reviews and Ratings

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. [4](https://www.nerdwallet.com/business/insurance/learn/three-insurance) [3](https://uk.trustpilot.com/review/threeinsurance.com) [1](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/customer-reviews?page=1) [2](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/complaints)

A source-scoped look at editorial ratings, customer review averages and complaints about THREE, with limitations on what each measure can show.

Reviewed 2026-09-29; updated 2026-09-29.

## Review Score

Review Score: 7.3 / 10 from 2 rated sources, equally weighted.

Each eligible numerical review or satisfaction rating is converted to a score out of 10, then given equal weight. Duplicate source URLs count once. A rating with a stated source, entity, product, or population limitation may be excluded from the average while remaining visible as source evidence. BBB letter grades use a rough academic GPA conversion: A+/A = 10, A− = 9.25, B+ = 8.25, B = 7.5, B− = 6.75, C+ = 5.75, C = 5, C− = 4.25, D+ = 3.25, D = 2.5, D− = 1.75, F = 0. This is our approximation, not BBB’s formula. Complaint measures and missing ratings are excluded. Sources can cover different products, locations and years; this is a source-rating average, not a pooled customer score. Spot Score is shown separately.

## Review Sources

### NerdWallet

Score: 8.0 / 10 (original: 4 / 5).

Status: Found. Checked 2026-09-29.

Scope: 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.

Excluded from Review Score: Editorial evaluation under NerdWallet’s own methodology; not a customer review rating.

NerdWallet displays a 4.0/5 editorial rating. Its customer commentary is described as anecdotal/AI-summary and does not establish a representative customer average. [4](https://www.nerdwallet.com/business/insurance/learn/three-insurance)

NerdWallet editorial rating: 4.0 (5 stars); Updated 2026-05-11

### Trustpilot

Score: 5.0 / 10 (original: 2.5 / 5).

Status: Found. Checked 2026-09-29.

Scope: 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.

Displayed 2.5/5. Narratives include lapse/non-follow-up/certificate-service complaints as well as other individual reports. These are reviewer allegations, not verified claim outcomes. [3](https://uk.trustpilot.com/review/threeinsurance.com)

TrustScore: 2.5 (5 stars); 5 reviews; Displayed 2026-09-29

### BBB

Score: 9.6 / 10 (original: 4.8 / 5).

Status: Found. Checked 2026-09-29.

Scope: 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.

BBB displayed a 4.8/5 customer-review average from 265 reviews. The distinct complaints page displayed 26 complaints in the last 3 years and 7 complaints closed in the last 12 months (22 billing, 2 customer service, 2 service/repair; status filters: 24 answered, 2 resolved). These are platform reports, not adjudicated findings or a representative estimate of commercial claims experience. [1](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/customer-reviews?page=1) [2](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/complaints)

BBB customer review average: 4.8 (5 stars); 265 reviews; Displayed 2026-09-29

### J.D. Power

Status: Not found in reviewed sources. Checked 2026-09-29.

Scope: J.D. Power business landing page and visible small-business insurance material inspected 2026-09-29; search scope does not cover all subscriber datasets or products.

No THREE/BHDIC small-commercial policyholder score located in inspected material; no score assigned. [5](https://www.jdpower.com/business)

### NAIC

Status: Not found in reviewed sources. Checked 2026-09-29.

Scope: NAIC CIS landing/search workflow inspected 2026-09-29; no current THREE/BHDIC commercial-line/year report retrieved.

No suitable current provider-specific commercial complaint metric was retrieved; no NAIC complaint statistic or score is proposed. [6](https://content.naic.org/cis_refined_results.htm)

### ConsumerAffairs

Status: Not found in reviewed sources. Checked 2026-09-29.

Scope: ConsumerAffairs insurance category and exact-name search inspected 2026-09-29; bounded page/search scope.

No THREE profile located in inspected category/search results. This does not establish no mentions elsewhere. [7](https://www.consumeraffairs.com/insurance/)

## Editorial rating

NerdWallet displayed a 4.0/5 editorial rating in its review updated May 11, 2026. This is an editorial evaluation under NerdWallet’s methodology, distinct from policyholder ratings, complaints and claims studies. It remains visible here as its original measure but is excluded from the source-rating average. [4](https://www.nerdwallet.com/business/insurance/learn/three-insurance)

## Customer-posted reviews

Trustpilot displayed 2.5/5 from five self-selected user posts, one in the prior twelve months. Narratives allege lapse-notification, non-follow-up and certificate-service problems; these are user allegations, not verified outcomes. On September 29, 2026, BBB displayed 4.8/5 from 265 customer reviews. The platform populations include purchase, service and sales-agent/intermediary interactions, and are not verified as a common policyholder cohort. BBB says third-party information may not be verified; neither platform average represents all THREE commercial customers. [3](https://uk.trustpilot.com/review/threeinsurance.com) [1](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/customer-reviews?page=1)

## BBB complaints and limitations

On September 29, 2026, BBB separately displayed 26 complaints in the prior three years and seven complaints closed in the prior twelve months; categories were 22 billing, two customer service and two service/repair, with 24 marked answered and two resolved. BBB warns complaint information may be incomplete. Counts and response labels are not determinations that complaints are valid or resolved to the complainant’s satisfaction. [2](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/complaints)

## Other reviewed sources

The bounded checks did not retrieve a current THREE commercial metric from NAIC CIS, a THREE small-commercial policyholder score from the inspected J.D. Power materials, or a THREE profile from the inspected ConsumerAffairs insurance category. These not-found results are limited to the sources and scope reviewed. [6](https://content.naic.org/cis_refined_results.htm) [5](https://www.jdpower.com/business) [7](https://www.consumeraffairs.com/insurance/)

## Spot Score

- Carrier & MGA Spot Score: - / 10 (Not Rated). Assessed 2026-09-29; review due 2027-03-29.

Spot’s editorial score is separate from customer reviews and third-party ratings. [Read the assessment](https://spot.insure/insurance-providers/three/reliability) or [see the methodology](https://spot.insure/spot-rating).

## Limitations

- The Review Score is an equal-weight average of eligible source ratings, not a pooled or representative customer-experience average. The NerdWallet editorial rating is retained as its own measure and excluded from that average.
- Trustpilot posts, BBB customer reviews and BBB complaints have different populations and methods. The rating populations include purchase/service and sales-agent/intermediary interactions, not a verified common policyholder cohort; complaints are separate self-selected platform material. Verification differs, counts do not show claims outcomes, and BBB says it may not verify third-party information.
- No representative survey or study of THREE policyholder claim outcomes was located in this bounded research.

## Questions to Ask

- Which issuing entity and policy form would appear on the buyer’s quote and issued declarations?
- What coverage is available for the buyer’s state, business class and requested limits?
- For any reviewed complaint, what outcome did the insurer and customer ultimately report?

## Disclosure

Spot is a product of Tools for Enlightenment and participates in the commercial-insurance market. This article uses public sources; provider statements and customer allegations are identified as such. Its measures are source-specific and do not establish claims quality.

## Sources

1. [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) — Better Business Bureau; On direct recheck of this exact customer-reviews URL, BBB displayed a 4.8/5 average from 265 customer reviews (2026-09-29); visible posts include sales-agent interactions and customer purchase/service reports, with both favorable and adverse accounts. BBB says it does not verify third-party profile information or endorse. This platform population is intermediary-inclusive, not a verified uniform THREE policyholder or claims-outcome cohort.; accessed 2026-09-29.
2. [THREE by Berkshire Hathaway complaints | BBB](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/complaints) — Better Business Bureau; On direct recheck (2026-09-29), BBB displayed 26 complaints in the last 3 years and 7 complaints closed in the last 12 months; categories were 22 billing, 2 customer service and 2 service/repair. The separate status filters showed 24 answered and 2 resolved. BBB says displayed complaint text may not include all complaints; counts and company responses are not adjudicated findings.; accessed 2026-09-29.
3. [THREE Reviews | Trustpilot](https://uk.trustpilot.com/review/threeinsurance.com) — Trustpilot; Displayed 2.5/5 from 5 reviews, one review in prior 12 months; page notes review provenance/company invitation status. User-generated small sample; narratives include lapse/non-follow-up/certificate issues and are allegations, not verified outcomes.; accessed 2026-09-29.
4. [Three Insurance review | NerdWallet](https://www.nerdwallet.com/business/insurance/learn/three-insurance) — NerdWallet; Updated May 11, 2026. NerdWallet editorial rating 4.0/5 under NerdWallet methodology, distinct from user ratings. Article says customer commentary is anecdotal/AI-summary; not a policyholder average.; accessed 2026-09-29.
5. [J.D. Power business](https://www.jdpower.com/business) — J.D. Power; Reviewed business landing page and visible small-business insurance content; no THREE/BHDIC small-commercial policyholder score located in inspected material. This is a bounded not-found result, not a claim about every J.D. Power dataset.; accessed 2026-09-29.
6. [Consumer Insurance Search](https://content.naic.org/cis_refined_results.htm) — National Association of Insurance Commissioners; Inspected CIS landing/search workflow; no current THREE/BHDIC commercial-line/year complaint report retrieved. No complaint metric assigned.; accessed 2026-09-29.
7. [Insurance company reviews and ratings](https://www.consumeraffairs.com/insurance/) — ConsumerAffairs; Inspected insurance category and exact-name results for THREE; no THREE profile located in inspected category/search results. Not proof no mention exists elsewhere.; accessed 2026-09-29.

## Methodology

The baseline covers NerdWallet, J.D. Power, NAIC, Trustpilot, ConsumerAffairs, and BBB. Additional relevant sources may also appear. Platforms may cover different products, time periods, and groups of customers, and their metrics use different methods. The Review Score combines numerical ratings and approximate BBB grade conversions on a 10-point scale, with equal weight per source.

A BBB letter grade describes BBB’s view of a business; customer star ratings are a separate measure. An NAIC complaint index compares complaint volume with expected volume for a company’s size and is not a customer rating.

[View THREE by Berkshire Hathaway provider profile](https://spot.insure/insurance-providers/three)

## Agent and Developer Resources

- [Markdown page](https://spot.insure/insurance-providers/three/reviews.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)