What Is Coverdash Insurance?
Coverdash suits small businesses that want online shopping or an embedded partner purchase with one account for policies and billing; firms needing specialized complex-risk advice should compare broker-led programs. 1,2,3
Read the Coverdash Employment Practices Liability Insurance page
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. 5,6
Read the THREE by Berkshire Hathaway profile
Read the THREE by Berkshire Hathaway Employment Practices Liability Insurance page
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. 8,9,10
Key Differences in Employment Practices Liability Insurance
Standalone Option or BOP Component
Coverdash says EPLI can be purchased on its own or bundled into a management-liability policy with D&O and fiduciary coverage. THREE describes EPLI as part of its combined Business Owners Policy. A company that already has core property and liability insurance can ask Coverdash for a standalone EPLI quote or management-liability bundle; a small business comparing THREE should inspect which other BOP lines and management protections sit alongside EPLI. 4 7
Hiring Scope and Quote Route
Coverdash markets EPLI to businesses as soon as they start hiring and describes wrongful-termination, discrimination, harassment, retaliation, and failure-to-promote claims plus defense costs. THREE offers an online small-business quote with advisor support but does not publish separate EPLI eligibility criteria or a list of covered allegations in the reviewed record. Employers should compare the policy definitions and confirm how the quoted route handles their workforce and employment practices. 4 5 7
What to Confirm in Employment Practices Liability Insurance Quotes
Coverdash and THREE by Berkshire Hathaway Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Coverdash Review Score
Review Score
2 rated sources
Coverdash offers convenient quote comparison, but public customer feedback is sparse. A BBB unanswered-complaint record makes responsiveness worth checking before purchase.[1][4][6]
Read Coverdash reviewsTHREE by Berkshire Hathaway Review Score
Review Score
2 rated sources
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][3][1][2]
Read THREE by Berkshire Hathaway reviewsCoverdash vs THREE by Berkshire Hathaway Employment Practices Liability Compared
Coverdash vs THREE by Berkshire Hathaway: Employment Practices Liability Insurance: documented features by provider
| Criteria | Coverdash Employment Practices Liability Insurance | THREE Business Owners Policy |
|---|---|---|
| Role in This Line | Coverdash arranges employment practices liability (EPLI) quotes from its panel of insurers rather than underwriting the policy itself; you request a quote on its EPLI page and it places coverage on your behalf. 4Company-reported. Coverdash's EPLI product page, read together with the provider record's brokerage role. Does not identify which insurer would actually issue a given quote. | 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. 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. |
| Issuing Insurer | The EPLI page does not name an issuing insurer for the policy. Coverdash markets a panel of carriers generally, but not which one underwrites a particular EPLI quote. 4Not publicly disclosed. Checked the EPLI product page on 2026-09-23; no insurer is disclosed there. | 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. |
| Who It’s For | Coverdash markets EPLI to any business with employees, saying the coverage becomes relevant as soon as a business starts hiring. 4Company-reported. Who it's for section; a general target-market statement, not a jurisdiction- or industry-specific eligibility rule. | 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. 7,5Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms. |
| Coverage Features | Coverdash describes the EPLI policy as covering wrongful-termination, discrimination and harassment claims, plus retaliation and failure-to-promote claims and the cost of legal defense. 4Company-reported. Types of Coverage cards on the product page; exclusions, defense-cost structure and per-claim conditions are not described and would appear on the issued policy. Coverdash says EPLI is often bundled into a management liability policy alongside D&O and fiduciary coverage, but it can also be bought on its own. 4Company-reported. EPLI FAQ answer to 'Is EPLI part of management liability?'. | 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. 7,6Company-reported. 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 | The EPLI page does not publish limit, retention or deductible amounts for the policy. 4Not publicly disclosed. Checked the EPLI product page on 2026-09-23; limits and retentions are not shown there and would appear on a quote. | 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. 7,6Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible. |
| How to Apply | You request an EPLI quote through a 'Get a quote' flow on the product page; the page does not describe any additional line-specific application steps beyond Coverdash's general online quoting process. 4Company-reported. EPLI product page calls to action, read together with the provider record's general application facts. | 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 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 Coverdash vs THREE by Berkshire Hathaway
Employment Practices Liability Pages for Coverdash and THREE by Berkshire Hathaway
Other Coverage Lines Compared for Coverdash vs THREE by Berkshire Hathaway
Other Employment Practices Liability Insurance Provider Comparisons
Sources for Coverdash vs THREE by Berkshire Hathaway
Sources About Coverdash
- Frequently Asked Questions. Coverdash; Getting a quote & buying coverage; Claims & certificates; Billing & managing your policy; About Coverdash. Accessed 2026-09-15.
- About Us. Coverdash; How Coverdash Works: direct and embedded channels; Our Investors. Accessed 2026-09-15.
- Terms And Conditions. Coverdash; Sections 1–2 (entities, broker-of-record and exclusivity), 10 (policy controls coverage), 12–13 (producer role and payment before binding), 15–17 (no underwriting; certificates; summaries), 32 (automatic payments). Accessed 2026-09-15.
- Employment Practices Liability Insurance. Coverdash; Hero description; Types of Coverage: Wrongful termination, Discrimination, Harassment, Retaliation and more; Who it's for; FAQ: What does EPLI cover?, Do small businesses need EPLI?, Is EPLI part of management liability? Accessed 2026-09-23.
Sources About THREE by Berkshire Hathaway
- Jargon-free small business insurance - THREE by Berkshire Hathaway. 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.
- The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway. 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.
- Business Owners Policy - THREE by Berkshire Hathaway. 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
- Employment Practices Liability Insurance. Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
- Employment Practices Liability Coverage. 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.
- Liability Coverage Terms and Conditions. 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.
