What Is Embroker?
Embroker suits technology firms seeking a single application for management coverage plus eligible Tech E&O and cyber, and law firms seeking a grouped package; buyers needing only standard small-business coverage should compare direct carriers. 1,2,3
Read the Embroker 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 Coverage and HR Support
Embroker says EPLI can be bought as a standalone policy, combined with D&O, or added to a BOP as an endorsement, with lower limits for the endorsement route. It also offers access to an independent HR service with handbook review, an HR helpline, and compliance training. THREE lists EPLI within its combined Business Owners Policy but does not describe those EPLI-specific services. A business with employee documentation to improve can ask Embroker about the HR support and standalone limits; a THREE buyer should ask what EPLI resources accompany its quote. 4 7
Claims-Made Reporting and Coverage Terms
Embroker says most of its EPLI policies are claims-made, so reporting relative to the policy period and retroactive date matters. It lists defense costs, settlements, and judgments for employment-practice claims, including wage-and-hour disputes. THREE’s offering identifies EPLI as a BOP category without publishing a comparable reporting trigger or covered-claim list. Employers should compare reporting requirements and wage-and-hour terms in the actual forms before choosing a package. 4 7
What to Confirm in Employment Practices Liability Insurance Quotes
Embroker 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.
Embroker Review Score
Review Score
3 rated sources
Embroker’s reviews are mixed, and BBB records a complaint-response concern. The feedback is too limited to establish consistent service quality.[4][6][7]
Read Embroker 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 reviewsEmbroker vs THREE by Berkshire Hathaway Employment Practices Liability Compared
Embroker vs THREE by Berkshire Hathaway: Employment Practices Liability Insurance: documented features by provider
| Criteria | Embroker Employment Practices Liability Insurance | THREE Business Owners Policy |
|---|---|---|
| Role in This Line | Embroker sells EPLI as a standalone policy and says it is often combined with D&O insurance into a management liability program, or added as a BOP endorsement for smaller businesses (with lower limits than a standalone policy). 4Company-reported. Product-page description; not a statement about the issuing insurer. | 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 | Confirm in your quote. | 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 | Embroker says most businesses with employees qualify, but a business needs an in-depth anti-discrimination policy and a regularly revised employee handbook to be a good underwriting candidate; a business with no employees or a recent prior EPL lawsuit is described as a poor candidate. 4Company-reported. Product-page 'What are the eligibility requirements?' section; not a guarantee of coverage for a particular business. | 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 | Embroker lists coverage for legal defense costs, settlements and judgments tied to poor employment practices, retaliation claims, wrongful demotion or discipline, and wage-and-hour disputes. 4Company-reported. Product-page What's covered section; the issued policy and declarations control. Embroker says the policy excludes criminal and civil fines or punitive damages, back wages owed, employee bodily injuries, and claims related to unemployment benefits or workers' compensation. 4Company-reported. Product-page What's not included section. Embroker says most of its EPLI policies are written on a claims-made basis, meaning coverage responds based on when a claim is made and reported relative to the policy's retroactive date, not when the underlying incident occurred. 4Company-reported. Product-page 'What are claims-made vs. occurrence policies?' section. | 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 | Confirm in your 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. |
| Risk Services | Embroker says EPLI buyers get free access to HR services managed independently by Excelerator, including an HR portal, employee handbook review, an HR helpline and compliance training. 4Company-reported. Product-page 'Free access to valuable HR consulting services with Excelerator' section; a third party administers these services. | Confirm in your quote. |
| How to Apply | Embroker offers an online quote for EPLI through its digital platform. 4Company-reported. Product-page 'Quick quotes' feature description; no quote was requested during this research. | 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 Embroker vs THREE by Berkshire Hathaway
Employment Practices Liability Pages for Embroker and THREE by Berkshire Hathaway
Other Coverage Lines Compared for Embroker vs THREE by Berkshire Hathaway
Other Employment Practices Liability Insurance Provider Comparisons
Sources for Embroker vs THREE by Berkshire Hathaway
Sources About Embroker
- Embroker. Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
- Terms And Conditions. Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
- Embroker Access. Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
- Employment Practices Liability Insurance (EPLI) Coverage Defined. Embroker; Why it's essential; Who needs this coverage; What is Employment Practices Liability insurance?; What's covered; What's not included; Free access to valuable HR consulting services with Excelerator; What are the eligibility requirements?; What are claims-made vs. occurrence policies? 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.
