Lockton vs 
THREE by Berkshire Hathaway: How Do They Compare for Workers’ Compensation Insurance?
What Is Lockton?
Lockton suits technology companies and larger businesses seeking a broker across cyber, D&O, property, liability and benefits; small firms wanting an instant standard quote should compare digital agencies. 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
Alternative Programs and Industry Scope
Lockton describes specialty workers' comp capabilities including captive consulting, Texas non-subscription advice, maritime and offshore programs, trucking occupational-accident solutions, and qualified self-insurance implementation. It also says clients can access more than 100 regional, global and program markets. THREE presents workers' comp as a category within its combined BOP. Employers with unusual exposures or risk-financing goals can ask Lockton which program fits; a THREE buyer should confirm whether its package addresses those operations and states. 4 7
Safety and Claims Support
Lockton lists OSHA consulting, safety services, loss forecasting, probability analysis and claims service advocates alongside its brokerage. THREE's cited line materials identify workers' comp in the BOP but do not describe comparable safety consulting. That distinction may matter to employers who want help reducing workplace losses as well as transferring statutory risk; ask what services are included with the proposed placement. 4 7
What to Confirm in Workers’ Compensation Insurance Quotes
- Ask Lockton which of its 100-plus markets it approached and whether captive, self-insurance or maritime options apply to your business. 4
- Ask THREE to confirm workers' comp availability for each state and whether safety or claims services accompany the quoted BOP. 7 6
- Compare who delivers OSHA support, claims advocacy and return-to-work coordination after binding. 4 7
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.
Lockton
Review Score
3 rated sources
Lockton’s reviews vary by office and entity. Local Google-derived ratings provide some service feedback, but no reliable firmwide verdict.[2][6][7][8]
Read Lockton 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
Lockton vs THREE by Berkshire Hathaway: Workers’ Compensation Insurance: documented features by provider
| Criteria | Lockton Workers' Compensation Insurance Brokerage | THREE Business Owners Policy |
|---|---|---|
| Role in This Line | Lockton's workers' compensation team designs programs and analyzes their effectiveness through what it calls a strategic claims mitigation process; the team includes actuaries, claims advisors and safety specialists working alongside brokers. Lockton is the broker, not the insurer of record. 4Company-reported. Workers' Compensation product page as read 2026-09-23. | 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 | The page does not name the workers' compensation insurers or programs Lockton places coverage with for a given client, beyond describing access to '100+ markets' in general terms. 4Not publicly disclosed. Workers' Compensation page checked 2026-09-23. | 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 | Confirm in your quote. | 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 | Lockton lists specialty workers' compensation capabilities: alternative risk expertise including captive consulting and formation, Texas non-subscription consulting, Jones Act/Outer Continental Shelf/USL&H programs for maritime and offshore exposures, trucking solutions including occupational accident programs, and qualified self-insurance consulting, implementation, administration, design and placement. 4Company-reported. Workers' Compensation product page as read 2026-09-23. A capability list, not a specimen policy. | 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 | Confirm in your quote. | 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. |
| Risk Services | Lockton says clients can access more than 100 regional, global and program workers' compensation markets, and it offers benchmarking through its InfoLock service. 4Company-reported. Workers' Compensation product page as read 2026-09-23. Lockton says it offers a full suite of safety services designed to reduce loss costs, OSHA consulting, loss forecasting and probability analysis, and claims service advocates to help ensure coverage and reduce retained loss costs. 4Company-reported. Workers' Compensation product page as read 2026-09-23. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | 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 Lockton vs THREE by Berkshire Hathaway Comparisons
Other Workers’ Compensation Insurance Comparisons
Sources
Lockton
- Lockton United States. Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
- Technology. Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16.
- US Terms of Business. Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16.
- Workers' Compensation. Lockton; Empower your workforce to achieve your company goals; Access to a multitude of experts; list of workers' compensation expert services (100+ markets, InfoLock benchmarking, alternative risk/captive consulting, Texas non-subscription, Jones Act/OCS/USL&H, trucking occupational accident programs, self-insurance consulting, safety services, OSHA consulting, claims service advocates). 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.
