Alliance Risk vs THREE by Berkshire Hathaway: How Do They Compare for Workers’ Compensation Insurance?

Alliance Risk places workers' compensation coverage and says it provides state-by-state compliance review, claims and injury analysis, and carrier negotiation and benchmarking as a broker service for this legally required line. ⁴Company-reported. Workers' Compensation Insurance page, "Our Approach" section.

THREE presents Workers’ Compensation as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. ⁷Company-reported. Company-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant.

Alliance Risk's page notes that some states, including North Dakota, Ohio, Washington and Wyoming, require coverage through a state-run monopolistic fund, but it does not name the private insurers it places workers' comp with elsewhere. ⁴Not publicly disclosed. Workers' Compensation Insurance page, "Special Considerations by State" section.

The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. ⁶Company-reported. 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.

Alliance Risk says nearly any business with W-2 employees needs workers' comp in most states, and highlights construction, manufacturing and healthcare as high-risk industries, along with employers using subcontractors, temps, seasonal workers, or a multi-state or remote workforce. ⁴Company-reported. Workers' Compensation Insurance page, "Who Needs" section.

The reviewed product page does not state separate eligibility rules for Workers’ Compensation; the general quote and advisor route is not proof that a particular business qualifies for it. ^7,5Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms.

Alliance Risk describes workers' comp as covering medical expenses, partial lost-wage replacement, temporary or permanent disability payments, rehabilitation and death benefits, while excluding off-duty injuries, self-inflicted injuries, drug- or alcohol-related accidents, and owner or partner injuries unless added by endorsement. ⁴Company-reported. Workers' Compensation Insurance page, "What Does/Doesn't Cover" sections; the issued policy and state statute control actual terms.

THREE's Business Owners Policy page lists Workers’ Compensation 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. ^7,6Company-reported. Official THREE package marketing for Workers’ Compensation. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy.

Alliance Risk publishes indicative rate ranges per $100 of payroll (for example $0.25–$1.50 for low-risk office roles up to $7.00–$25.00+ for high-risk construction work) and typical minimum premiums of $250–$1,000 per year, but statutory benefit amounts are set by state law rather than published on the page. ⁴Company-reported. Workers' Compensation Insurance page, cost section; illustrative ranges, not a specific quote.

The reviewed public product page does not state a separate limit or deductible for Workers’ Compensation; THREE says the quote-specific insurance summary lists limits and deductibles. ^7,6Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible.

Alliance Risk lists workers' comp services including audits for misclassified payroll and incorrect experience modifiers, safety-program implementation through risk engineers, and structuring loss-sensitive versus guaranteed-cost programs. ⁴Company-reported. Workers' Compensation Insurance page, "The Alliance Risk Difference" section.

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The reviewed workers' compensation page does not describe a line-specific document checklist for a quote beyond directing prospective clients to Alliance Risk's general contact and quote forms. ⁴Not found in reviewed sources. Workers' Compensation Insurance page as read on 2026-09-23.

THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. ⁵Company-reported. This is the route for the overall THREE product. It does not show whether Workers’ Compensation will be offered for a particular business or whether a customer can bind that line without an issued policy.

Alliance Risk says it manages workers' comp claims "from first report to closure" to control costs and prevent long-term disability or litigation, and separately runs return-to-work programs it says reduce downtime. ⁴Company-reported. Workers' Compensation Insurance page, "Our Approach" and "The Alliance Risk Difference" sections; claim outcomes are not independently verified.

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