Kinro vs 
THREE by Berkshire Hathaway: How Do They Compare for Workers’ Compensation Insurance?
What Is Kinro Insurance?
Kinro fits U.S. small businesses that want a free review of an existing policy or renewal packet and agent help comparing quotes online. Its pages don't name the insurer behind a given quote, so ask which markets Kinro approached before you switch. 1,2,3
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 Workers’ Compensation Insurance page
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. 8,9,10,11
Key Differences in Workers’ Compensation Insurance
Submission Detail and Carrier Fit
Kinro says workers' comp underwriting can differ by business operation and carrier appetite. It gathers payroll by state, owner inclusion, employee duties, class codes, subcontractor exposure and prior experience modifiers, often alongside general liability, auto and BOP coverage. THREE lists workers' compensation in its combined BOP and starts with an online quote supported by licensed advisors. Kinro's stated intake centers the submission on workforce and payroll details; a THREE buyer should ensure the package application captures the same state and job information. 4 7 5
Contract Evidence and Quote Terms
Kinro describes workers' comp as protection for workplace injuries and occupational illness and notes that contracts, leases or customers may require evidence of coverage. THREE presents the line as part of a BOP, while its quote summary supplies limits and deductibles. Businesses facing a start-work deadline should ask both routes when they can provide a certificate and whether the policy meets the contract's state and limit requirements. 4 6
What to Confirm in Workers’ Compensation Insurance Quotes
- Give Kinro payroll by state, class codes, owner status, subcontractors and experience modifiers, then ask which carrier it recommends. 4
- Ask THREE whether workers' comp is selected, what payroll and job assumptions it used, and when a certificate can be issued. 7 5
- Compare certificate requirements and state benefits against any contract, lease or customer requirement. 4 6
Review Scores
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.
Kinro
Review Score
No reviews found
We found no independent customer reviews of Kinro. It shows a 5.0 Google rating on its own website, but there is no review count or listing behind it.[7]
Read Kinro reviewsTHREE by Berkshire Hathaway
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 reviewsOffering Details
Kinro vs THREE by Berkshire Hathaway: Workers’ Compensation Insurance: documented features by provider
| Criteria | Kinro Workers Compensation | THREE Business Owners Policy |
|---|---|---|
| Role in This Line | Kinro is a broker: it matches a business to a workers' compensation carrier rather than underwriting the policy itself, saying the product "can underwrite differently" by operation and that market fit depends on carrier appetite and required state filings. 4Company-reported. Workers Compensation page "Routing" and "Market fit" sections. | 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. |
| 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 | Kinro says workers' compensation commonly fits restaurants, contractors, cleaning crews and retail teams, and typically comes up when a business hires W-2 employees, a customer or contract requires it before work starts, or the business operates in a state where employee count triggers a coverage requirement. 4Company-reported. Workers Compensation page "Common fit" and "Triggers" sections. | 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. |
| Coverage Features | Kinro describes workers' compensation as covering employee workplace injuries and occupational illness claims, with state-specific payroll, class-code and ownership questions and evidence of coverage for contracts, leases and customer requirements. 4Company-reported. Workers Compensation page introduction and "Coverage" section; actual terms depend on the carrier, state and policy placed. | 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. |
| Limits and Retentions | The reviewed page does not publish workers' compensation premiums or benefit limits; statutory benefit levels are set by each state, and Kinro's page lists payroll, class codes and experience modifiers as inputs carriers need to quote, not published amounts. 4Not found in reviewed sources. Workers Compensation page "Quote file" section as read on 2026-09-23. | 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. |
| How to Apply | To quote workers' compensation, Kinro collects payroll by state, owner inclusion or exclusion, employee duties, class codes, subcontractor exposure and prior experience modifiers, and often reviews it together with general liability, commercial auto and BOP coverage. 4Company-reported. Workers Compensation page "Quote file" and "Reviewed with" sections. | 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. |
Full Comparison
More Kinro vs THREE by Berkshire Hathaway Comparisons
Other Workers’ Compensation Insurance Comparisons
Sources
Kinro
- Kinro Business Insurance. Kinro; Hero; Clear guidance before you buy; industry groups; carrier-logo strip; Insurance expertise; FAQs on follow-up, purchase obligation and AI; footer. Accessed 2026-09-15.
- Free Review Of Your Insurance Policy. Kinro; Introductory price/coverage claim and step 1 of 2 upload panel; accepted documents and file limits. Accessed 2026-09-15.
- For Carriers And MGAs. Kinro; Product access; API integration; approvals paragraph after Dormant lead recovery. Accessed 2026-09-15.
- Workers Compensation. Kinro; Common fit; Product file; Coverage — What it usually handles; Triggers — When it comes up; Quote file — Inputs carriers usually need; Routing — Match the product to the operation; Market fit. Accessed 2026-09-23.
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.
Workers’ Compensation Insurance Guide
- Workers’ 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.
- Small Business Insurance. 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.
- DWC employer information. 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.
- Employer resources. 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.
