--- title: "Corgi vs THREE by Berkshire Hathaway: Employment Practices Liability Insurance" description: "Corgi publishes EPLI limits and retention plus wage-and-hour and contractor endorsements; THREE lists EPLI in its BOP with line terms set by quote." canonical: "https://spot.insure/compare/corgi-vs-three/employment-practices" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "corgi-vs-three" provider-a: "corgi" 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/corgi-vs-three/employment-practices) ## Agent Guide **What this page is:** Focused comparison of Corgi 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 Corgi 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:** - Corgi vs THREE by Berkshire Hathaway for Employment Practices Liability Insurance: how do they differ? - Which is better for Employment Practices Liability Insurance, Corgi or THREE by Berkshire Hathaway? - What does Corgi 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 Corgi or THREE by Berkshire Hathaway? **Key facts:** - Line: Employment Practices Liability Insurance. Providers: Corgi 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:** - [Corgi vs THREE by Berkshire Hathaway](https://spot.insure/compare/corgi-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 - [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile (evidence) - [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence) - [Corgi vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/corgi-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Corgi vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Corgi vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/corgi-vs-three/cyber) — sibling comparison (other line, or other pair for this line) - [Corgi vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/corgi-vs-three/directors-officers) — sibling comparison (other line, or other pair for this line) - [Corgi vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/corgi-vs-three/fiduciary) — sibling comparison (other line, or other pair for this line) - [Corgi vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/corgi-vs-three/general-liability) — sibling comparison (other line, or other pair for this line) - [Corgi vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/corgi-vs-three/liquor-liability) — sibling comparison (other line, or other pair for this line) - [Corgi vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Corgi vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-corgi/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 Corgi Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/employment-practices) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/employment-practices) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/employment-practices) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-three/employment-practices) — sibling comparison (other line, or other pair for this line) # Corgi vs THREE by Berkshire Hathaway: How Do They Compare for Employment Practices Liability Insurance? Corgi publishes EPLI limits and retention plus wage-and-hour and contractor endorsements; THREE lists EPLI in its BOP with line terms set by quote. ## How to Use the Corgi vs THREE by Berkshire Hathaway Employment Practices Liability Insurance Comparison Use this comparison to evaluate Corgi 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. ## Corgi vs THREE by Berkshire Hathaway Employment Practices Liability Insurance Summary Corgi illustrates EPLI limits up to $1 million per claim and $2 million aggregate with a $25,000 retention, and offers wage-and-hour defense-only and contractor endorsements; THREE lists EPLI in its BOP. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [9](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [8](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") ## What Is Corgi Insurance? Corgi suits technology startups wanting packages organized from pre-seed through growth, with dashboard changes as the business grows; firms seeking only a direct single-carrier policy should compare alternatives. Issuers vary by product and state. [1](https://www.corgi.insure/disclaimers "Disclaimers") [2](https://www.corgi.insure "Corgi Insurance homepage") [3](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [4](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [5](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups") [Corgi profile](https://spot.insure/insurance-providers/corgi) ## 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. [7](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [8](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. [10](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") [11](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228 "Employment Practices Liability Coverage") [12](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228 "Liability Coverage Terms and Conditions") ## What Are the Key Differences Between Corgi and THREE by Berkshire Hathaway Employment Practices Liability Insurance? ### Published Limits and Retention Corgi illustrates EPLI limits up to $1 million per claim and $2 million aggregate, with a $25,000 self-insured retention and defense costs inside the limit. THREE lists EPLI in its combined BOP; its sample-policy materials say buyer-specific limits and deductibles appear in the quote summary. The Corgi figures are a useful starting point for comparing the schedule, but the buyer should match the final quoted limit and retention across both products. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [9](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ### Wage-and-Hour and Contractor Exposure Corgi excludes wage-and-hour claims from its standard form and offers a defense-cost-only endorsement; it also excludes independent contractors from “Employee” by default unless an endorsement is added. THREE’s reviewed product record names EPLI as a BOP coverage category but does not detail these terms. Employers with hourly workers or contractors should ask both providers how the final form treats those groups and whether any available endorsement pays settlements as well as defense costs. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") [9](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ## What Should You Confirm in Corgi and THREE by Berkshire Hathaway Employment Practices Liability Insurance Quotes? - Ask Corgi to price wage-and-hour and contractor endorsements and clarify defense costs, settlements, and aggregate erosion. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") - Ask THREE for its EPLI limit, retention, wage-and-hour terms, and contractor definition in the BOP documents. [9](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ## Corgi vs THREE by Berkshire Hathaway Employment Practices Liability Compared | Criteria | Corgi Employment Practices Liability (EPLI) | THREE Business Owners Policy | | --- | --- | --- | | Role in This Line | Corgi sells EPLI as a standalone startup policy and bundles it into its Series A, Growth Stage and Custom packages, describing it as coverage for claims arising from the employment relationship: wrongful termination, discrimination, harassment, retaliation and failure to hire. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: Product page for form CORG-EPL-0100, last reviewed by Corgi on April 24, 2026 per the page 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. [9](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 | Corgi's disclaimers say coverage may be underwritten through affiliated or partner carriers, including Corgi Insurance Company, Inc. (an admitted carrier) or Technology Risk Retention Group, Inc.; the EPLI product page itself does not name which entity underwrites a given EPLI policy. [1](https://www.corgi.insure/disclaimers "Disclaimers") (Evidence: Company-reported; scope: General carrier-financial-strength disclosure that applies across Corgi's product lines, not an EPLI-specific underwriter statement; your policy names the actual insurer..) | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [8](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 | Corgi says EPLI coverage applies to claims made and pursued in the United States, its territories, Puerto Rico or Canada, and that startups with international employees should discuss this limitation with their advisor. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: Policy notes for form CORG-EPL-0100; claims brought in other jurisdictions are not covered under the standard policy..) | 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. [9](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [7](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 | The standard policy has two insuring agreements: Agreement A covers claims by current employees, former employees and job applicants alleging discrimination, harassment, retaliation or wrongful termination; Agreement B covers claims by third parties, such as customers or vendors, alleging harassment or discrimination by an employee during a business interaction. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: Coverage summary for form CORG-EPL-0100; the issued policy and declarations control..)

The standard policy excludes wage-and-hour claims (including FLSA misclassification and overtime disputes); Corgi offers a Wage & Hour Defense Costs Endorsement that covers defense costs only, not settlements or judgments, for these claims. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: Policy notes and Available Add-ons section for form CORG-EPL-0100; the endorsement requires separate issuance and does not add indemnity coverage..)

Independent contractors are excluded from the policy's definition of 'Employee' by default; Corgi offers an Independent Contractors and Leased Workers Endorsement to extend coverage to claims from contractors and leased workers. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: Policy notes and Available Add-ons section for form CORG-EPL-0100; endorsement required and availability may vary by jurisdiction and underwriting..) | 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. [9](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [8](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 | Corgi's illustrative EPLI structure shows limits up to $1 million per claim and $2 million in the policy aggregate, with a $25,000 self-insured retention per claim and defense costs included within the limit. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: Illustrative policy structure on the product page; actual limits and retentions appear on the declarations..) | 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. [9](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [8](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..) | | How to Apply | You can request an EPLI quote online through Corgi's self-serve application. [6](https://www.corgi.insure/employment-practices-liability "EPLI Insurance for Startups") (Evidence: Company-reported; scope: Product page quote call to action..) | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. [7](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..) | ## Related Pages for Corgi vs THREE by Berkshire Hathaway - [Corgi vs THREE by Berkshire Hathaway](https://spot.insure/compare/corgi-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. - [Corgi vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/corgi-vs-three/business-owners-policy) - [Corgi vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-three/commercial-auto) - [Corgi vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/corgi-vs-three/cyber) - [Corgi vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/corgi-vs-three/directors-officers) - [Corgi vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/corgi-vs-three/fiduciary) - [Corgi vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/corgi-vs-three/general-liability) - [Corgi vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/corgi-vs-three/liquor-liability) - [Corgi vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-three/professional-errors-omissions) - [Corgi vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-three/workers-compensation) - [AIG vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-corgi/employment-practices) - [AIG vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-three/employment-practices) - [Alliance Risk vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/employment-practices) - [Alliance Risk vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/employment-practices) - [Amelia Risk vs Corgi Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-corgi/employment-practices) - [Amelia Risk vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-three/employment-practices) ## Sources for Corgi vs THREE by Berkshire Hathaway ### Sources About Corgi 1. [Disclaimers](https://www.corgi.insure/disclaimers). Corgi Insurance; Carrier Financial Strength: 'Coverage may be underwritten through affiliated or partner carriers, including Corgi Insurance Company, Inc. ... Certain coverages may also be underwritten by Technology Risk Retention Group, Inc.'. Accessed 2026-09-23. 2. [Corgi Insurance homepage](https://www.corgi.insure). Corgi Insurance Services, Inc.; Product packages: Cyber and Directors & Officers; Growth Stage and Custom Package; Self-Serve (apply, get quoted in minutes, bind same-day) and Book a Demo paths; Explore Our Main Policies: Commercial General Liability, Crime Insurance, Fiduciary Liability, Hired and Non-Owned Auto (HNOA), Worker’s Compensation; Specialized coverages: Employment Practices Liability (EPLI), K&R (Kidnap & Ransom), Representations and Warranties; Commercial Umbrella Liability; Business Owners Policy (BOP); Coverage sales cards: Media Liability, Medical Malpractice, Miscellaneous E&O; Core Operations: Tech E&O Insurance; Tech & AI Liability product module; Transportation menu: Auto Liability, Contractual Liability Insurance - Cargo; FAQ on cost, claims, and binding; footer entity, program-administrator and issuing-carrier notices. Accessed 2026-09-16. 3. [Corgi Insurance Launches Admitted Insurance Carrier](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html). PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15. 4. [NAIC Listing of Companies](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf). National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15. 5. [Insurance Topics: Risk Retention Groups](https://content.naic.org/insurance-topics/risk-retention-groups). National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15. 6. [EPLI Insurance for Startups](https://www.corgi.insure/employment-practices-liability). Corgi Insurance; What's Actually Inside Your EPLI Policy (form CORG-EPL-0100); Scenario notes; Policy notes; Available Add-ons; FAQ. Accessed 2026-09-23. ### Sources About THREE by Berkshire Hathaway 7. [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. 8. [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. 9. [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 10. [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. 11. [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. 12. [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. ## Corgi Review Scores for 2026 Review Score: not enough ratings. The reviewed sources did not yield customer reviews; the inspected Trustpilot profiles showed none. Its Trustpilot page exists but shows no reviews or rating. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/corgi/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/corgi-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)