---
title: "Mylo vs THREE by Berkshire Hathaway: Workers’ Compensation Insurance"
description: "Mylo compares carrier rates using payroll and class codes and routes monopolistic states to funds; THREE offers a BOP package quote."
canonical: "https://spot.insure/compare/mylo-vs-three/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "mylo-vs-three"
provider-a: "mylo"
provider-b: "three"
coverage-line: "workers-compensation"
---

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[Human-readable page](https://spot.insure/compare/mylo-vs-three/workers-compensation)

## Agent Guide

**What this page is:** Focused comparison of Mylo 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 Mylo 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:**
- Mylo vs THREE by Berkshire Hathaway for Workers’ Compensation Insurance: how do they differ?
- Which is better for Workers’ Compensation Insurance, Mylo or THREE by Berkshire Hathaway?
- What does Mylo 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 Mylo or THREE by Berkshire Hathaway?

**Key facts:**
- Line: Workers’ Compensation Insurance. Providers: Mylo 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:**
- [Mylo vs THREE by Berkshire Hathaway](https://spot.insure/compare/mylo-vs-three) — parent: all coverage lines for this pair
- [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — coverage explainer for this line
- [Mylo profile](https://spot.insure/insurance-providers/mylo) — provider profile (evidence)
- [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence)
- [Mylo vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/mylo-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Mylo vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/mylo-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line)
- [Mylo vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/mylo-vs-three/general-liability) — sibling comparison (other line, or other pair for this line)
- [Mylo vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/mylo-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Mylo Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-mylo/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 Mylo Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-mylo/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 Mylo Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-mylo/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)

# Mylo vs THREE by Berkshire Hathaway: How Do They Compare for Workers’ Compensation Insurance?

Mylo compares carrier rates using payroll and class codes and routes monopolistic states to funds; THREE offers a BOP package quote.

## Research Scope and Use

Use this comparison to evaluate Mylo 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

Mylo compares workers' comp quotes across carriers using business classification, payroll and claims history, and identifies state-fund routes for Ohio, North Dakota, Washington and Wyoming. THREE lists the coverage within its Business Owners Policy. [3](https://choosemylo.com/business/product-workers-comp "Workers' Comp") [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

## What Is Mylo Insurance?

Mylo suits small businesses wanting online quote comparisons or licensed-advisor help; firms needing complex program management should compare full-service brokers. Mylo says 95% of customers pay no fee, though some transactions carry fees. [1](https://choosemylo.com/business/business-insurance "Small Business Insurance") [2](https://choosemylo.com/our-story "About Mylo")

[Mylo profile](https://spot.insure/insurance-providers/mylo)

## 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 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. [7](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [8](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [9](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information") [10](https://www.tdi.texas.gov/wc/employer/index.html "Employer resources")

## Key Differences in Workers’ Compensation Insurance

### Comparing Carriers and State Funds

Mylo brokers workers' comp by comparing carrier quotes and explains that pricing combines the business classification, payroll and prior claims history; it says carriers can assign different rates and fees to the same class. It also directs employers in Ohio, North Dakota, Washington and Wyoming to required state funds. THREE instead presents workers' compensation as one category within its combined BOP. Employers can use Mylo's comparison process to examine private-market rates where available, while checking whether THREE's quote uses the correct class and any state fund route. [3](https://choosemylo.com/business/product-workers-comp "Workers' Comp") [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")

### State Requirements and Package Placement

Mylo says employee-count and employment-status requirements vary by state and notes Texas has exceptions. THREE's public materials list workers' compensation in its BOP but do not state separate eligibility rules for the line. A business operating in several states should confirm employee thresholds and officer elections with Mylo and ask THREE how each jurisdiction appears in the package quote. [3](https://choosemylo.com/business/product-workers-comp "Workers' Comp") [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")

## What to Confirm in Workers’ Compensation Insurance Quotes

- Give Mylo payroll, class codes and claims history; confirm the applicable state fund or private carrier and each carrier's rate basis. [3](https://choosemylo.com/business/product-workers-comp "Workers' Comp")
- Ask THREE to state workers' comp eligibility, state forms, payroll assumptions, issuer and quoted premium in the BOP summary. [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")
- Confirm Texas exceptions and any founder or officer exclusions in each state. [3](https://choosemylo.com/business/product-workers-comp "Workers' Comp") [4](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

## Offering Details

| Criteria | Mylo Workers' Compensation Insurance | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Mylo brokers workers' compensation insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. [3](https://choosemylo.com/business/product-workers-comp "Workers' Comp") (Evidence: Company-reported; scope: Workers' comp product page..) | 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. [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 | The workers' comp product page does not name the insurer that would issue a given business's policy, aside from noting that four states require purchase from a state fund. [3](https://choosemylo.com/business/product-workers-comp "Workers' Comp") (Evidence: Not publicly disclosed; scope: Checked the workers' comp product page on 2026-09-23..) | 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 | Mylo says almost all states require workers' compensation for employers with employees, that Texas has exceptions, and that employee-count and employment-status requirements vary by state. [3](https://choosemylo.com/business/product-workers-comp "Workers' Comp") (Evidence: Company-reported; scope: Workers' comp product page..)<br><br>Mylo says Ohio, North Dakota, Washington and Wyoming require employers to buy workers' compensation from a state fund rather than a private insurer, and that its agents can direct buyers in those states accordingly. [3](https://choosemylo.com/business/product-workers-comp "Workers' Comp") (Evidence: Company-reported; scope: Workers' comp product page "Your state makes a difference" section..) | 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. [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 | Mylo describes workers' comp as a no-fault system covering workplace accidents, repetitive injuries and occupational illness, paying medical treatment, lost wages and retraining costs, and serving as the exclusive remedy that generally shields the employer from employee lawsuits over those injuries. [3](https://choosemylo.com/business/product-workers-comp "Workers' Comp") (Evidence: Company-reported; scope: Workers' comp product page; the issued policy and its exclusions control..) | 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. [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 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 | Mylo explains that a workers' comp premium is set by classifying the business's activities, assigning a risk-based rate to that classification, and applying a formula using the rate, total payroll and prior claims history; it says comparing carriers helps because carriers can assign different rates and fees to the same classification. [3](https://choosemylo.com/business/product-workers-comp "Workers' Comp") (Evidence: Company-reported; scope: Workers' comp product page FAQ "How is my premium determined?"; no specific premium figures are given..) | 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. [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..) |
| Risk Services | Mylo says employers' liability coverage, often included within a workers' comp policy, can cover the rare situations where an employer is still sued over a workplace injury despite the no-fault system. [3](https://choosemylo.com/business/product-workers-comp "Workers' Comp") (Evidence: Company-reported; scope: Workers' comp product page FAQ..) | 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. [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 Workers’ Compensation will be offered for a particular business or whether a customer can bind that line without an issued policy..) |

## Full Comparison

- [Mylo vs THREE by Berkshire Hathaway](https://spot.insure/compare/mylo-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.
- [Mylo vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/mylo-vs-three/business-owners-policy)
- [Mylo vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/mylo-vs-three/commercial-auto)
- [Mylo vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/mylo-vs-three/general-liability)
- [Mylo vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/mylo-vs-three/professional-errors-omissions)
- [AIG vs Mylo Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-mylo/workers-compensation)
- [AIG vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-three/workers-compensation)
- [Alliance Risk vs Mylo Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-mylo/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 Mylo Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-mylo/workers-compensation)
- [Amelia Risk vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-three/workers-compensation)

## Sources

### Mylo

1. [Small Business Insurance](https://choosemylo.com/business/business-insurance). Mylo; Hero; What Insurance Does A Small Business Need (Business Owners Policy listing); Get My Quote; Business Insurance FAQs; commercial-product navigation; footer legal disclosure. Accessed 2026-09-16.
2. [About Mylo](https://choosemylo.com/our-story). Mylo; Your Digital One-Stop Shop; The Broker Advantage; Proven Heritage, Powerful Future; About Mylo FAQs. Accessed 2026-09-15.
3. [Workers' Comp](https://choosemylo.com/business/product-workers-comp). Mylo; Workers' comp protects your employees and you; How do you benefit? (no-fault system); Your state makes a difference (monopolistic states); Workers' compensation FAQs (how premium is determined). Accessed 2026-09-23.

### 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.

### Workers’ Compensation Insurance Guide

7. [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.
8. [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.
9. [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.
10. [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.

## Mylo Reviews

Review Score: 7.7 / 10 from 2 rated sources, equally weighted.

Mylo has strong feedback on its Kansas City Birdeye listing, while its tiny Trustpilot sample is negative. Most available feedback mixes personal and business insurance.

- Trustpilot: TrustScore 2.9 (0–5 stars); 2 reviews. Trustpilot brand profile linked to choosemylo.com and Kansas City address; two user reviews from U.S. reviewers, both about auto-insurance shopping, not commercial policies. Trustpilot warns reviews may not be representative. Period: 0 reviews in prior 12 months; accessed 2026-09-25. Checked 2026-09-25. [Mylo Reviews | Trustpilot](https://uk.trustpilot.com/review/choosemylo.com)
- Birdeye (aggregates Google and Birdeye reviews): combined Google/Birdeye star rating 4.8 (0–5 stars); 1329 reviews. Kansas City office at 8880 Ward Pkwy #200; profile links to choosemylo.com and identifies insurance products including business, home, auto, health and group health. Birdeye shows 1,328 Google and 1 Birdeye review. Local office and mixed-product profile, not company-wide commercial-only consensus. Period: Observed 2026-09-25; 1,328 Google-origin plus one Birdeye review. Checked 2026-09-25. [Mylo, a Lockton Company | Birdeye](https://reviews.birdeye.com/mylo-a-lockton-company-155339142807839)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/mylo/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/mylo-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)