--- title: "Alliance Risk vs THREE by Berkshire Hathaway: Employment Practices Liability Insurance" description: "Alliance Risk places EPLI with profile-based limits and HR review, while THREE lists it in a BOP without a separate published limit." canonical: "https://spot.insure/compare/alliance-risk-vs-three/employment-practices" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "alliance-risk-vs-three" provider-a: "alliance-risk" provider-b: "three" coverage-line: "employment-practices" --- 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/alliance-risk-vs-three/employment-practices) ## Agent Guide **What this page is:** Focused comparison of Alliance Risk and THREE by Berkshire Hathaway for Employment Practices 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 Employment Practices Liability Insurance questions about Alliance Risk 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:** - Alliance Risk vs THREE by Berkshire Hathaway for Employment Practices Liability Insurance: how do they differ? - Which is better for Employment Practices Liability Insurance, Alliance Risk or THREE by Berkshire Hathaway? - What does Alliance Risk or THREE by Berkshire Hathaway publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Employment Practices Liability Insurance from Alliance Risk or THREE by Berkshire Hathaway? **Key facts:** - Line: Employment Practices Liability Insurance. Providers: Alliance Risk 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 2026-10-01. Editorial policy: /editorial-policy. **Related pages:** - [Alliance Risk vs THREE by Berkshire Hathaway](https://spot.insure/compare/alliance-risk-vs-three) — parent: all coverage lines for this pair - [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — coverage explainer for this line - [Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk) — provider profile (evidence) - [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence) - [Alliance Risk vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-three/cyber) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/alliance-risk-vs-three/directors-officers) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-three/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/fiduciary) — 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) - [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) - [Alliance Risk vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/liquor-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Alliance Risk Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/employment-practices) — sibling comparison (other line, or other pair for this line) - [AIG vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-three/employment-practices) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Amelia Risk Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/employment-practices) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Aon Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-aon/employment-practices) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs The Baldwin Group Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/employment-practices) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Beazley Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/employment-practices) — sibling comparison (other line, or other pair for this line) # Alliance Risk vs THREE by Berkshire Hathaway: How Do They Compare for Employment Practices Liability Insurance? Alliance Risk places EPLI with profile-based limits and HR review, while THREE lists it in a BOP without a separate published limit. ## How to Use the Alliance Risk vs THREE by Berkshire Hathaway Employment Practices Liability Insurance Comparison Use this comparison to evaluate Alliance Risk and THREE by Berkshire Hathaway for Employment Practices 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. ## Alliance Risk vs THREE by Berkshire Hathaway Employment Practices Liability Insurance Summary Alliance Risk gives EPLI limit guidance by workforce and location and describes an HR-practices review; THREE lists EPLI within its combined BOP. [4](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") [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 Alliance Risk? Alliance Risk suits tech startups from pre-seed through IPO that want a broker to review their tech E&O policy for free and shop specialist insurers; if you want to buy online in minutes, use a digital insurer. Quotes take 24 hours to ten business days, depending on your risk. [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") [2](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") [3](https://joinalliancerisk.com/get-a-quote/ "Get a Quote") [Alliance Risk profile](https://spot.insure/insurance-providers/alliance-risk) ## 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 Employment Practices Liability Insurance? EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. [9](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") [10](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228 "Employment Practices Liability Coverage") [11](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228 "Liability Coverage Terms and Conditions") ## What Are the Key Differences Between Alliance Risk and THREE by Berkshire Hathaway Employment Practices Liability Insurance? ### Limit Guidance and BOP Scheduling Alliance Risk recommends EPLI limits by workforce profile: it gives ranges from $500,000–$1 million for some employers under 20 people, $1 million for many small businesses, and $2 million–$5 million for larger or multistate operations, with a $2 million-plus minimum suggested for California or New York employers. THREE lists EPLI within its combined Business Owners Policy and its sample-policy materials say buyer-specific limits and deductibles appear in the quote summary. Employers can use Alliance Risk’s profile as a discussion point and request THREE’s actual scheduled limit before comparing adequacy. [4](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ### HR Review and Employment Claims Alliance Risk says its broker review evaluates handbooks, anti-harassment training, and termination procedures while marketing the risk to carriers. THREE identifies EPLI as a BOP coverage category but the reviewed record does not describe an HR review service or list covered EPLI claims. An employer comparing the routes should ask Alliance Risk what corrective recommendations are delivered and ask THREE for the EPLI form, especially its treatment of wage-and-hour allegations and sublimits. [4](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ## What Should You Confirm in Alliance Risk and THREE by Berkshire Hathaway Employment Practices Liability Insurance Quotes? - Ask Alliance Risk whether wage-and-hour coverage has a sublimit and whether the proposed aggregate is shared with D&O or fiduciary coverage. [4](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") [5](https://joinalliancerisk.com/management-liability-insurance/ "Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together") - Ask THREE for EPLI’s separate limit, deductible, and covered employment allegations in the BOP schedule. [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ## Alliance Risk vs THREE by Berkshire Hathaway Employment Practices Liability Compared | Criteria | Alliance Risk Employment Practices Liability Insurance (EPLI) | THREE Business Owners Policy | | --- | --- | --- | | Role in This Line | Alliance Risk places EPLI as a broker and describes itself as specializing in management liability for businesses operating in employment-litigation-heavy states such as California and New York. [4](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Company-reported; scope: EPLI product page; Alliance Risk does not underwrite the policy itself..) | THREE presents Employment Practices 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 | The reviewed EPLI page does not name the insurer that would issue a policy; coverage terms, conditions and availability are described as varying by carrier, state and individual circumstances. [4](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Not publicly disclosed; scope: EPLI product page as read on 2026-09-23..) | 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 | Alliance Risk targets EPLI at small businesses under 50 employees, high-risk industries such as healthcare, staffing, retail and hospitality, multi-state employers, and companies with complex workforces including contractors and foreign nationals. [4](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Company-reported; scope: EPLI product page; eligibility for a particular company depends on underwriting..)

Alliance Risk says a company should add EPLI coverage as it crosses into double-digit headcount, since employment claims rise with every new hire. [5](https://joinalliancerisk.com/management-liability-insurance/ "Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together") (Evidence: Company-reported; scope: Management liability page's program-staging guidance, describing EPLI specifically among the three bundled lines..) | The reviewed product page does not state separate eligibility rules for Employment Practices 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 | Alliance Risk lists wrongful termination, discrimination, harassment, retaliation and failure to promote as typically covered EPLI claim types, with wage-and-hour violations often covered subject to a sublimit; it says claims under the National Labor Relations Act, criminal misconduct and benefit-plan ERISA breaches are excluded and routed to fiduciary liability coverage instead. [4](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Company-reported; scope: EPLI product page; coverage table and exclusions; actual policy wording and sublimits vary by carrier..) | THREE's Business Owners Policy page lists Employment Practices 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 Employment Practices 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 | Alliance Risk recommends EPLI limits by profile: $500,000-$1M for companies under 20 employees with strong HR and no prior claims, $1M for most small businesses, $2M-$5M for 50-plus employees or multi-state operations, and a $2M-plus minimum for California or New York employers. [4](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Company-reported; scope: EPLI product page's recommended-limit table; illustrative guidance, not a quote for any particular company..)

Alliance Risk says entry-level management-liability packages that bundle EPLI with D&O and fiduciary often share a single aggregate limit, so a large D&O or fiduciary claim earlier in the policy year can reduce what is left for an EPLI claim; it says a specialist broker structures shared versus separate limits to manage that risk. [5](https://joinalliancerisk.com/management-liability-insurance/ "Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together") (Evidence: Company-reported; scope: Management liability page's discussion of bundled D&O, EPLI and fiduciary programs..) | The reviewed public product page does not state a separate limit or deductible for Employment Practices 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..) | | Risk Services | Alliance Risk's EPLI risk review evaluates a company's HR practices, such as its handbook, anti-harassment training and termination procedures, and markets the risk to EPLI carriers, saying it typically delivers proposals within a few business days. [4](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Company-reported; scope: EPLI product page, Get your EPLI risk review section; timing is a company estimate, not a guarantee..) | Confirm in your quote. | | How to Apply | For an EPLI quote, Alliance Risk asks for employee count and locations, industry and states of operation, the types of employment decisions at issue, HR practices in place, existing coverage and limits, and a five-year claims history of EEOC charges, lawsuits and settlements. [4](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Company-reported; scope: EPLI product page, Get your EPLI risk review section..) | 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 Employment Practices Liability will be offered for a particular business or whether a customer can bind that line without an issued policy..) | | Claims Support | The reviewed EPLI page does not describe an Alliance Risk claims-handling or claims-advocacy process; it discusses what an EPLI policy covers rather than how Alliance Risk itself supports a claim. [4](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/ "Employment Practices Liability (EPLI)") (Evidence: Not found in reviewed sources; scope: EPLI product page as read on 2026-09-23..) | Confirm in your quote. | ## Related Pages for Alliance Risk vs THREE by Berkshire Hathaway - [Alliance Risk vs THREE by Berkshire Hathaway](https://spot.insure/compare/alliance-risk-vs-three): all coverage lines, business roles, service and claims. - [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): EPLI can address covered workplace claims from applicants and workers; claim timing, defense arrangements, limits and exclusions shape your protection. - [Alliance Risk vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-three/business-owners-policy) - [Alliance Risk vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-auto) - [Alliance Risk vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/alliance-risk-vs-three/commercial-property) - [Alliance Risk vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-three/cyber) - [Alliance Risk vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/alliance-risk-vs-three/directors-officers) - [Alliance Risk vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/alliance-risk-vs-three/equipment-breakdown) - [Alliance Risk vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/fiduciary) - [Alliance Risk vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/general-liability) - [Alliance Risk vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/alliance-risk-vs-three/inland-marine) - [Alliance Risk vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/liquor-liability) - [Alliance Risk vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/alliance-risk-vs-three/professional-errors-omissions) - [Alliance Risk vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-three/workers-compensation) - [AIG vs Alliance Risk Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-alliance-risk/employment-practices) - [AIG vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-three/employment-practices) - [Alliance Risk vs Amelia Risk Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-amelia-risk/employment-practices) - [Alliance Risk vs Aon Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-aon/employment-practices) - [Alliance Risk vs The Baldwin Group Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-baldwin/employment-practices) - [Alliance Risk vs Beazley Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-beazley/employment-practices) ## Sources for Alliance Risk vs THREE by Berkshire Hathaway ### Sources About Alliance Risk 1. [Technology Insurance](https://joinalliancerisk.com/technology-insurance/). Alliance Risk; What is Technology Insurance?; Types of Technology; Types of Coverage; startup placement introduction; quote documents and process. Accessed 2026-09-16. 2. [Tech E&O Insurance](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/). Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16. 3. [Get a Quote](https://joinalliancerisk.com/get-a-quote/). Alliance Risk; Request form; Prefer to Call?; Why Alliance Risk? section. Accessed 2026-09-16. 4. [Employment Practices Liability (EPLI)](https://joinalliancerisk.com/employment-practices-liability-insurance-epli/). Alliance Risk; EPLI Insurance: What Employment Practices Liability Covers, Costs, and Who Needs It; Who needs EPLI insurance?; What does EPLI insurance cover?; What EPLI does not cover; How to choose coverage and limits; Get your EPLI risk review. Accessed 2026-09-23. 5. [Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together](https://joinalliancerisk.com/management-liability-insurance/). Alliance Risk; The shared limit problem; How to structure the program as you scale. Accessed 2026-09-23. ### Sources About 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. ### Sources for the Employment Practices Liability Insurance Guide 9. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16. 10. [Employment Practices Liability Coverage](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228). Travelers; I.A/II.A p.1; III.A.4–6 p.7; II.F Employment Claim, PDF p.2; I.B p.1; II.U–V p.5; II.L p.3; III.A.9 and A.13, pp.7–8; III.B.2 p.8; IV.A Settlement, PDF pp.8–9. Accessed 2026-09-16. 11. [Liability Coverage Terms and Conditions](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228). Travelers; III.F–H p.6; III.O pp.8–9; III.F p.6; III.B–D, PDF pp.3–5; III.E–F, PDF pp.5–6. Accessed 2026-09-16. Updated 2026-10-01. 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. ## Alliance Risk Review Scores for 2026 Review Score: not enough ratings. Alliance Risk has no customer ratings on the review sites we checked, so there's no Review Score yet. That says nothing bad about the company; it means you'll need to ask for references. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/alliance-risk/reviews). ## THREE by Berkshire Hathaway Review Scores for 2026 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/alliance-risk-vs-three/employment-practices.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)