--- title: "Kinro vs THREE by Berkshire Hathaway: Workers’ Compensation Insurance" description: "Kinro collects payroll by state, class codes and experience modifiers for carrier placement; THREE lists the line in its BOP." canonical: "https://spot.insure/compare/kinro-vs-three/workers-compensation" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "kinro-vs-three" provider-a: "kinro" provider-b: "three" coverage-line: "workers-compensation" --- 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/kinro-vs-three/workers-compensation) ## Agent Guide **What this page is:** Focused comparison of Kinro 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 Kinro 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:** - Kinro vs THREE by Berkshire Hathaway for Workers’ Compensation Insurance: how do they differ? - Which is better for Workers’ Compensation Insurance, Kinro or THREE by Berkshire Hathaway? - What does Kinro 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 Kinro or THREE by Berkshire Hathaway? **Key facts:** - Line: Workers’ Compensation Insurance. Providers: Kinro 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:** - [Kinro vs THREE by Berkshire Hathaway](https://spot.insure/compare/kinro-vs-three) — parent: all coverage lines for this pair - [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — coverage explainer for this line - [Kinro profile](https://spot.insure/insurance-providers/kinro) — provider profile (evidence) - [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence) - [Kinro vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/kinro-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Kinro vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/kinro-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Kinro vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/kinro-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line) - [Kinro vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/kinro-vs-three/general-liability) — sibling comparison (other line, or other pair for this line) - [Kinro vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/kinro-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line) - [Kinro vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/kinro-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Kinro Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-kinro/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 Kinro Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-kinro/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 Kinro Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-kinro/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) # Kinro vs THREE by Berkshire Hathaway: How Do They Compare for Workers’ Compensation Insurance? Kinro collects payroll by state, class codes and experience modifiers for carrier placement; THREE lists the line in its BOP. ## Research Scope and Use Use this comparison to evaluate Kinro 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 Kinro brokers workers' compensation and gathers payroll by state, owner inclusion, employee duties, class codes, subcontractors and experience modifiers. THREE lists workers' comp within its combined Business Owners Policy and starts with an online quote or advisor. [4](https://kinro.com/products/workers-compensation "Workers Compensation") [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") ## 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](https://kinro.com/ "Kinro Business Insurance") [2](https://kinro.com/policy-review "Free Review Of Your Insurance Policy") [3](https://kinro.com/partners/carriers "For Carriers And MGAs") [Kinro profile](https://spot.insure/insurance-providers/kinro) ## 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 ### 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](https://kinro.com/products/workers-compensation "Workers Compensation") [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") ### 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](https://kinro.com/products/workers-compensation "Workers Compensation") [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") ## 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](https://kinro.com/products/workers-compensation "Workers Compensation") - Ask THREE whether workers' comp is selected, what payroll and job assumptions it used, and when a certificate can be issued. [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") - Compare certificate requirements and state benefits against any contract, lease or customer requirement. [4](https://kinro.com/products/workers-compensation "Workers Compensation") [6](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") ## Offering Details | 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. [4](https://kinro.com/products/workers-compensation "Workers Compensation") (Evidence: Company-reported; scope: 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. [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 | 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. [4](https://kinro.com/products/workers-compensation "Workers Compensation") (Evidence: Company-reported; scope: 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](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 | 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. [4](https://kinro.com/products/workers-compensation "Workers Compensation") (Evidence: Company-reported; scope: 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](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 | 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. [4](https://kinro.com/products/workers-compensation "Workers Compensation") (Evidence: Not found in reviewed sources; scope: 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](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 | 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. [4](https://kinro.com/products/workers-compensation "Workers Compensation") (Evidence: Company-reported; scope: 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. [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..) | ## Full Comparison - [Kinro vs THREE by Berkshire Hathaway](https://spot.insure/compare/kinro-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. - [Kinro vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/kinro-vs-three/business-owners-policy) - [Kinro vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/kinro-vs-three/commercial-auto) - [Kinro vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/kinro-vs-three/commercial-property) - [Kinro vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/kinro-vs-three/general-liability) - [Kinro vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/kinro-vs-three/inland-marine) - [Kinro vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/kinro-vs-three/professional-errors-omissions) - [AIG vs Kinro Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-kinro/workers-compensation) - [AIG vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-three/workers-compensation) - [Alliance Risk vs Kinro Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-kinro/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 Kinro Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-kinro/workers-compensation) - [Amelia Risk vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-three/workers-compensation) ## Sources ### Kinro 1. [Kinro Business Insurance](https://kinro.com/). 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. 2. [Free Review Of Your Insurance Policy](https://kinro.com/policy-review). Kinro; Introductory price/coverage claim and step 1 of 2 upload panel; accepted documents and file limits. Accessed 2026-09-15. 3. [For Carriers And MGAs](https://kinro.com/partners/carriers). Kinro; Product access; API integration; approvals paragraph after Dormant lead recovery. Accessed 2026-09-15. 4. [Workers Compensation](https://kinro.com/products/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 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. ## Kinro Reviews Review Score: not enough ratings. 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. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/kinro/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/kinro-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)