---
title: "Embroker vs THREE by Berkshire Hathaway: Workers’ Compensation Insurance"
description: "Embroker publishes typical workers' comp limits and offers an instant standalone quote; THREE lists it in a combined BOP."
canonical: "https://spot.insure/compare/embroker-vs-three/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "embroker-vs-three"
provider-a: "embroker"
provider-b: "three"
coverage-line: "workers-compensation"
---

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[Human-readable page](https://spot.insure/compare/embroker-vs-three/workers-compensation)

## Agent Guide

**What this page is:** Focused comparison of Embroker and THREE by Berkshire Hathaway for Workers’ Compensation 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 Workers’ Compensation Insurance questions about Embroker 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:**
- Embroker vs THREE by Berkshire Hathaway for Workers’ Compensation Insurance: how do they differ?
- Which is better for Workers’ Compensation Insurance, Embroker or THREE by Berkshire Hathaway?
- What does Embroker or THREE by Berkshire Hathaway publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Workers’ Compensation Insurance from Embroker or THREE by Berkshire Hathaway?

**Key facts:**
- Line: Workers’ Compensation Insurance. Providers: Embroker 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 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Embroker vs THREE by Berkshire Hathaway](https://spot.insure/compare/embroker-vs-three) — parent: all coverage lines for this pair
- [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — coverage explainer for this line
- [Embroker profile](https://spot.insure/insurance-providers/embroker) — provider profile (evidence)
- [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence)
- [Embroker vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/embroker-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Embroker vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/embroker-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Embroker vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/embroker-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Embroker vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/embroker-vs-three/general-liability) — sibling comparison (other line, or other pair for this line)
- [Embroker vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/embroker-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Embroker Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-embroker/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Embroker Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/workers-compensation) — 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)
- [Amelia Risk vs Embroker Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-embroker/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line)

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

Embroker publishes typical workers' comp limits and offers an instant standalone quote; THREE lists it in a combined BOP.

## Research Scope and Use

Use this comparison to evaluate Embroker and THREE by Berkshire Hathaway for Workers’ Compensation 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.

## Summary

Embroker offers standalone workers' compensation online and describes typical state minimum limits of $100,000 per occurrence and employee, plus $500,000 for disease claims, subject to state variation. THREE lists workers' comp within its BOP and supplies quote-specific limits. [4](https://www.embroker.com/coverage/workers-compensation-insurance/ "Workers Compensation Insurance: Quotes & Coverage Options") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

## 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](https://www.embroker.com/ "Embroker") [2](https://www.embroker.com/terms/ "Terms And Conditions") [3](https://access.embroker.com/ "Embroker Access")

[Embroker profile](https://spot.insure/insurance-providers/embroker)

## 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](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [6](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 Workers’ Compensation Insurance?

Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. [8](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [9](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [10](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information") [11](https://www.tdi.texas.gov/wc/employer/index.html "Employer resources")

## Key Differences in Workers’ Compensation Insurance

### Published Limit Benchmarks

Embroker gives typical state-minimum figures of $100,000 per occurrence and per employee for injury claims and $500,000 for disease-related claims, noting limits vary by state and can be increased for additional premium. THREE lists workers' compensation in its BOP but does not publish a separate line limit or deductible; those appear in the quote summary. The Embroker amounts are a starting reference only, so compare state-specific limits and premiums against THREE's written proposal. [4](https://www.embroker.com/coverage/workers-compensation-insurance/ "Workers Compensation Insurance: Quotes & Coverage Options") [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

### Standalone Online Quote or Packaged Coverage

Embroker describes workers' compensation as a standalone policy that can also be packaged with cyber or a BOP and offers an instant online quote. THREE presents the line as part of its combined Business Owners Policy and provides an online quote with advisor support. For a buyer already shopping several coverages, the main difference is whether to compare an individual workers' comp placement or a package proposal; inspect how each allocates cost and handles state-fund requirements. [4](https://www.embroker.com/coverage/workers-compensation-insurance/ "Workers Compensation Insurance: Quotes & Coverage Options") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

## What to Confirm in Workers’ Compensation Insurance Quotes

- Ask Embroker which state limits and class codes apply, and whether the quote includes the optional higher limits and selected companion policies. [4](https://www.embroker.com/coverage/workers-compensation-insurance/ "Workers Compensation Insurance: Quotes & Coverage Options")
- Ask THREE to identify the line limits, deductible, carrier and any separate cost allocation in the BOP summary. [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")
- Compare the claims reporting window and who receives the injury paperwork; Embroker describes filing with the insurer typically within 30 days. [4](https://www.embroker.com/coverage/workers-compensation-insurance/ "Workers Compensation Insurance: Quotes & Coverage Options") [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

## Offering Details

| Criteria | Embroker Workers Compensation Insurance | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Embroker sells workers' compensation as a standalone policy and offers to package it with other coverages such as cyber and a business owners policy. [4](https://www.embroker.com/coverage/workers-compensation-insurance/ "Workers Compensation Insurance: Quotes & Coverage Options") (Evidence: Company-reported; scope: Product-page description; not a statement about the issuing insurer..) | 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. [7](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 | Confirm in your quote. | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [6](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 | Embroker says workers' compensation is legally required for employers in most U.S. states, that four states (North Dakota, Ohio, Washington and Wyoming) are monopolistic and require buying from the state fund, and that solopreneurs without employees are typically not required to carry it. [4](https://www.embroker.com/coverage/workers-compensation-insurance/ "Workers Compensation Insurance: Quotes & Coverage Options") (Evidence: Company-reported; scope: Product-page eligibility, 'Is Workers Compensation required by my state?' and 'Do self-employed business owners need workers compensation insurance?' sections; requirements vary by state and are not independently verified here..) | 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](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 | Embroker lists coverage for employee medical expenses, lost wages, rehabilitation, death benefits, and legal defense costs if an employee sues over a workplace injury; commuting injuries are excluded. [4](https://www.embroker.com/coverage/workers-compensation-insurance/ "Workers Compensation Insurance: Quotes & Coverage Options") (Evidence: Company-reported; scope: Product-page What's covered and What's not included sections; the issued policy and declarations control..) | 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: 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..) |
| Limits and Retentions | Embroker describes typical state minimum limits of $100,000 per occurrence and $100,000 per employee for injury claims, and $500,000 for disease-related claims, noting these limits vary by state and can be increased for a higher premium. [4](https://www.embroker.com/coverage/workers-compensation-insurance/ "Workers Compensation Insurance: Quotes & Coverage Options") (Evidence: Company-reported; scope: Product-page 'What are Workers Compensation limits?' section; actual limits depend on the state and policy purchased..)<br><br>Embroker says premiums are driven mainly by employee count, claims history, the type of work performed, and the employer's Experience Modification Rate (XMod), which compares a company's claims history to similar businesses over a three-year period. [4](https://www.embroker.com/coverage/workers-compensation-insurance/ "Workers Compensation Insurance: Quotes & Coverage Options") (Evidence: Company-reported; scope: Product-page 'What does Workers Compensation insurance cost?' section..) | 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](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 | Embroker offers an instant online quote for workers' compensation through its digital platform. [4](https://www.embroker.com/coverage/workers-compensation-insurance/ "Workers Compensation Insurance: Quotes & Coverage Options") (Evidence: Company-reported; scope: Product-page 'Get started with Embroker to receive an instant workers compensation insurance quote' call to action; 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. [5](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 Workers’ Compensation will be offered for a particular business or whether a customer can bind that line without an issued policy..) |
| Claims Support | Embroker describes a claims process where the employer documents the injury, provides paperwork to the employee, and files with the insurer, typically within a 30-day reporting window; the insurer can deny claims involving horseplay, intoxication, commuting or self-inflicted injury, and an approved claim generally pays medical costs plus about two-thirds of the employee's regular weekly wage. [4](https://www.embroker.com/coverage/workers-compensation-insurance/ "Workers Compensation Insurance: Quotes & Coverage Options") (Evidence: Company-reported; scope: Product-page 'How do Workers Compensation claims work?' and related FAQ sections; general process description, not a guarantee of a particular outcome..) | Confirm in your quote. |

## Full Comparison

- [Embroker vs THREE by Berkshire Hathaway](https://spot.insure/compare/embroker-vs-three): all coverage lines, business roles, service and claims.
- [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers’ compensation can pay medical care, rehabilitation and lost wages after an employee’s work-related injury or illness; state rules determine who must be covered.
- [Embroker vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/embroker-vs-three/business-owners-policy)
- [Embroker vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/embroker-vs-three/commercial-auto)
- [Embroker vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/embroker-vs-three/commercial-property)
- [Embroker vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/embroker-vs-three/general-liability)
- [Embroker vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/embroker-vs-three/professional-errors-omissions)
- [AIG vs Embroker Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-embroker/workers-compensation)
- [AIG vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-three/workers-compensation)
- [Alliance Risk vs Embroker Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-embroker/workers-compensation)
- [Alliance Risk vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-three/workers-compensation)
- [Amelia Risk vs Embroker Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-embroker/workers-compensation)
- [Amelia Risk vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-three/workers-compensation)

## Sources

### Embroker

1. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
2. [Terms And Conditions](https://www.embroker.com/terms/). 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.
3. [Embroker Access](https://access.embroker.com/). Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
4. [Workers Compensation Insurance: Quotes & Coverage Options](https://www.embroker.com/coverage/workers-compensation-insurance/). Embroker; Why it's essential; Who needs this coverage; What is Workers Compensation insurance?; What's covered; What's not included; Is Workers Compensation required by my state?; What are Workers Compensation limits?; How do Workers Compensation claims work?. Accessed 2026-09-23.

### THREE by Berkshire Hathaway

5. [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.
6. [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.
7. [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.

### Workers’ Compensation Insurance Guide

8. [Workers’ Compensation Insurance](https://content.naic.org/insurance-topics/workers%27-compensation-insurance). National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
9. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
10. [DWC employer information](https://www.dir.ca.gov/dwc/Employer.htm). California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.
11. [Employer resources](https://www.tdi.texas.gov/wc/employer/index.html). Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16.

Updated 2026-09-30. 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.

## Embroker Reviews

Review Score: 5.6 / 10 from 3 rated sources, equally weighted.

Embroker’s reviews are mixed, and BBB records a complaint-response concern. The feedback is too limited to establish consistent service quality.

- Trustpilot: TrustScore 2.9 (5); 2 reviews. Trustpilot review search using provider brand/domain; identity checked against the canonical insurance entity. Period: current page aggregate accessed 2026-09-25. Checked 2026-09-25. [Embroker Reviews | Read Customer Service Reviews](https://www.trustpilot.com/review/embroker.com)
- BBB: BBB business grade D+ (BBB letter grade). BBB business profile for Embroker, categorized as Small Business Insurance. Grade is BBB letter grade, not customer-star aggregate; complaint record is a product-issues billing/cancellation concern. Period: current profile; grade rationale includes 1 unanswered complaint. Checked 2026-09-25. [Embroker | BBB Business Profile](https://www.bbb.org/us/ca/san-francisco/profile/small-business-insurance/embroker-1116-974895)
- Birdeye: Combined office rating (Google + Birdeye sources) 3.9 (5); 19 reviews. Office-level listing at 24 Shotwell St, San Francisco; business profile links to embroker.com and categorizes it as Insurance. Birdeye displays combined rating from 18 Google-origin reviews plus 2 Birdeye-origin reviews. This is one office listing, not a firmwide aggregate; review dates displayed are old (examples from about five/six years before access date). Period: page accessed 2026-09-25; 17 Google-origin + 2 Birdeye-origin; displayed sample comments dated about 5-6 years earlier. Checked 2026-09-25. [Embroker - 20 Reviews - Insurance in San Francisco, CA | Birdeye](https://reviews.birdeye.com/embroker-150058735264881)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/embroker/reviews).

## THREE by Berkshire Hathaway Reviews

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/embroker-vs-three/workers-compensation.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)