Markel Insurance vs 
THREE by Berkshire Hathaway: How Do They Compare for Employment Practices Liability Insurance?
Markel Insurance: Specialty Business and Products
Markel Insurance is Markel Group's specialty and small-business insurance business, with offerings across packages, workers' compensation, cyber, professional and management liability, property, marine, and surety. Products use different insurers and distribution routes, so compare the issuer and terms shown on the specific quote. 1,2
Read the Markel Insurance profile
Read the Markel Insurance 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. 4,5
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. 7,8,9
Key Differences in Employment Practices Liability Insurance
Standalone Detail Versus a Combined Policy
Markel’s product description identifies EPL coverage and names discrimination, harassment, wrongful termination and unfair hiring practices. THREE presents Employment Practices Liability as a component of its combined Business Owners Policy, not as a separately identified standalone policy on the reviewed page. Its page lists the category, but does not establish whether it appears in every quote or responds to a specific loss. Buyers seeking an EPL-only policy should ask Markel about the available form and ask THREE whether its quote includes a distinct EPL grant and what package limits are shared. 3 6 6
Application and Issuing Paper
THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help; the sample policy declarations name Berkshire Hathaway Direct Insurance Company as issuer. Markel invites customers or brokers to contact Markel or its named underwriting team, without a published online bind path in the reviewed record. The buyer-facing difference is a documented package quote route versus a contact-led underwriting inquiry; confirm the actual issuer on the offered declarations. 6 6 3
What to Confirm in Employment Practices Liability Insurance Quotes
- Does THREE’s quote include EPLI, and is it separately limited or part of a shared BOP aggregate? 6 6
- Which workplace allegations, defense costs, exclusions and reporting terms appear in each policy? 3 6
- Which insurer and limit will appear on the issued policy, rather than the sample declarations? 6 3
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.
Markel Insurance
Review Score
2 rated sources
There is little public customer feedback on Markel. Trustpilot shows 2.5 out of 5 from just 5 reviews, and BBB lists 12 complaints closed in the last three years.[4][3]
Read Markel Insurance 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
Markel Insurance vs THREE by Berkshire Hathaway: Employment Practices Liability Insurance: documented features by provider
| Criteria | Markel employment practices (official overview) | THREE Business Owners Policy |
|---|---|---|
| Role in This Line | Markel describes offering employment practices for the audience stated on the cited product page. 3Company-reported. employment practices marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. | 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. 6Company-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. 5Company-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 | Private companies and not-for-profit organizations described on the product page; exact underwriting class and terms remain risk-specific. 3Company-reported. employment practices marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. | 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. 6,4Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms. |
| Coverage Features | The cited product page describes EPL for named workplace claims such as discrimination, harassment, wrongful termination, and unfair hiring practices. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 3Company-reported. employment practices marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. | 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. 6,5Company-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 | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 3Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. | 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. 6,5Not 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 | The page invites prospective customers or brokers to contact Markel or the named underwriting team. The page does not establish a quote, bind, or coverage-effective timeline. 3Company-reported. employment practices marketed by markel; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. 4Company-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. |
Full Comparison
More Markel Insurance vs THREE by Berkshire Hathaway Comparisons
Other Employment Practices Liability Insurance Comparisons
Sources
Markel Insurance
- About us. Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc. Accessed 2026-09-28.
- Markel Group Inc. 2025 Form 10-K. U.S. Securities and Exchange Commission; filed by Markel Group Inc.; Cover page; Part I, Item 1 Business—Markel Insurance, U.S. Wholesale and Specialty, Programs and Solutions; Part II, Item 7/8 for group and segment risks. Accessed 2026-09-28.
- Private and Nonprofit Management Liability Insurance. Markel; Employment practices liability section; listed workplace claims; policy highlights. Accessed 2026-09-30.
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.
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.
