---
title: "Markel Insurance vs THREE by Berkshire Hathaway: Employment Practices Liability Insurance"
description: "Compare Markel’s EPL coverage description with THREE’s presentation of employment practices liability inside its business owners policy."
canonical: "https://spot.insure/compare/markel-vs-three/employment-practices"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "markel-vs-three"
provider-a: "markel"
provider-b: "three"
coverage-line: "employment-practices"
---

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[Human-readable page](https://spot.insure/compare/markel-vs-three/employment-practices)

## Agent Guide

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

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Markel Insurance 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:**
- [Markel Insurance vs THREE by Berkshire Hathaway](https://spot.insure/compare/markel-vs-three) — parent: all coverage lines for this pair
- [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — coverage explainer for this line
- [Markel Insurance profile](https://spot.insure/insurance-providers/markel) — provider profile (evidence)
- [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence)
- [Markel Insurance vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/markel-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Markel Insurance vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/markel-vs-three/cyber) — sibling comparison (other line, or other pair for this line)
- [Markel Insurance vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/markel-vs-three/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Markel Insurance vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/markel-vs-three/equipment-breakdown) — sibling comparison (other line, or other pair for this line)
- [Markel Insurance vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/markel-vs-three/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Markel Insurance vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/markel-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Markel Insurance Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-markel/employment-practices) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-three/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Markel Insurance Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-markel/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Markel Insurance Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-markel/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Aon vs Markel Insurance Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-markel/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Aon vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-three/employment-practices) — sibling comparison (other line, or other pair for this line)

# Markel Insurance vs THREE by Berkshire Hathaway: How Do They Compare for Employment Practices Liability Insurance?

Compare Markel’s EPL coverage description with THREE’s presentation of employment practices liability inside its business owners policy.

## Research Scope and Use

Use this comparison to evaluate Markel Insurance and THREE by Berkshire Hathaway for Employment Practices Liability 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

Markel describes EPL for private companies and nonprofits; THREE lists employment practices liability as a category in its combined business owners policy and offers an online quote route. [3](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

## 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](https://www.markel.com/about-us "About us") [2](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm "Markel Group Inc. 2025 Form 10-K")

[Markel Insurance profile](https://spot.insure/insurance-providers/markel)

## 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](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [5](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 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](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") [8](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228 "Employment Practices Liability Coverage") [9](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228 "Liability Coverage Terms and Conditions")

## 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](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [3](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance")

## 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")
- Which workplace allegations, defense costs, exclusions and reporting terms appear in each policy? [3](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")
- Which insurer and limit will appear on the issued policy, rather than the sample declarations? [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [3](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance")

## Offering Details

| 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. [3](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") (Evidence: Company-reported; scope: 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. [6](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. [5](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 | Private companies and not-for-profit organizations described on the product page; exact underwriting class and terms remain risk-specific. [3](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") (Evidence: Company-reported; scope: 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [4](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 | 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. [3](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") (Evidence: Company-reported; scope: 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: 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. [3](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") (Evidence: Not publicly disclosed; scope: 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](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 | 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. [3](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit "Private and Nonprofit Management Liability Insurance") (Evidence: Company-reported; scope: 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. [4](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 Employment Practices Liability will be offered for a particular business or whether a customer can bind that line without an issued policy..) |

## Full Comparison

- [Markel Insurance vs THREE by Berkshire Hathaway](https://spot.insure/compare/markel-vs-three): all coverage lines, business roles, service and claims.
- [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): EPLI can address covered workplace claims from applicants and workers; claim timing, defense arrangements, limits and exclusions shape your protection.
- [Markel Insurance vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/markel-vs-three/commercial-property)
- [Markel Insurance vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/markel-vs-three/cyber)
- [Markel Insurance vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/markel-vs-three/directors-officers)
- [Markel Insurance vs THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://spot.insure/compare/markel-vs-three/equipment-breakdown)
- [Markel Insurance vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/markel-vs-three/fiduciary)
- [Markel Insurance vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/markel-vs-three/workers-compensation)
- [AIG vs Markel Insurance Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-markel/employment-practices)
- [AIG vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-three/employment-practices)
- [Alliance Risk vs Markel Insurance Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-markel/employment-practices)
- [Amelia Risk vs Markel Insurance Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-markel/employment-practices)
- [Aon vs Markel Insurance Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-markel/employment-practices)
- [Aon vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/aon-vs-three/employment-practices)

## Sources

### Markel Insurance

1. [About us](https://www.markel.com/about-us). Markel; Markel at a glance; description of Markel Insurance within Markel Group Inc.. Accessed 2026-09-28.
2. [Markel Group Inc. 2025 Form 10-K](https://www.sec.gov/Archives/edgar/data/1096343/000109634326000020/mkl-20251231.htm). 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.
3. [Private and Nonprofit Management Liability Insurance](https://www.markel.com/us/commercial/professional-and-management-liability/management-liability/private-and-nonprofit). Markel; Employment practices liability section; listed workplace claims; policy highlights.. Accessed 2026-09-30.

### THREE by Berkshire Hathaway

4. [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.
5. [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.
6. [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.

### Employment Practices Liability Insurance Guide

7. [Employment Practices Liability Insurance](https://www.iii.org/article/employment-practices-liability-insurance). Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
8. [Employment Practices Liability Coverage](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228). 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.
9. [Liability Coverage Terms and Conditions](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228). 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.

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.

## Markel Insurance Reviews

Review Score: 7.5 / 10 from 2 rated sources, equally weighted.

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.

- J.D. Power: Commercial Lines Insurers agent satisfaction score 726 (out of 1,000). 2022 commercial-lines independent-agent satisfaction study and 2025 small-commercial customer study; these use different populations and measures Period: 2022. Checked 2026-09-29. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/business/press-releases/2025-us-small-commercial-insurance-study); [2022 U.S. Independent Agent Satisfaction Study](https://www.jdpower.com/sites/default/files/file/2022-10/2022134%20U.S.%20Independent%20Agent.pdf)
- Trustpilot: TrustScore 2.5 (out of 5); 5 reviews. Trustpilot brand-level page for markel.com. It mixes products and is not mapped to one legal insurer. Checked 2026-09-29. [Markel Reviews](https://www.trustpilot.com/review/markel.com)
- BBB: BBB business grade A+. BBB business profile for Markel Insurance Company headquarters/corporate-owned locations; review and complaint submissions may include other products and affiliates Checked 2026-09-29. [Markel Insurance Company Business Profile](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547); [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints)
- BBB: Complaints 12; 12 reviews. BBB profile for Markel Insurance Company; complaints may include other Markel products and affiliates and BBB says not all submissions are displayed. Period: last 3 years, as displayed 2026-09-29. Checked 2026-09-29. [Markel Insurance Company Complaints](https://www.bbb.org/us/va/glen-allen/profile/insurance-companies/markel-insurance-company-0603-4017547/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/markel/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/markel-vs-three/employment-practices.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)