---
title: "Relm Insurance vs THREE by Berkshire Hathaway: Employment Practices Liability Insurance"
description: "Relm describes EPL and wage-and-hour coverage for growing employers through brokers; THREE lists EPLI within a combined BOP."
canonical: "https://spot.insure/compare/relm-vs-three/employment-practices"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "relm-vs-three"
provider-a: "relm"
provider-b: "three"
coverage-line: "employment-practices"
---

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

## Agent Guide

**What this page is:** Focused comparison of Relm 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 Relm 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:**
- Relm Insurance vs THREE by Berkshire Hathaway for Employment Practices Liability Insurance: how do they differ?
- Which is better for Employment Practices Liability Insurance, Relm Insurance or THREE by Berkshire Hathaway?
- What does Relm 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 Relm Insurance or THREE by Berkshire Hathaway?

**Key facts:**
- Line: Employment Practices Liability Insurance. Providers: Relm 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 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [Relm Insurance vs THREE by Berkshire Hathaway](https://spot.insure/compare/relm-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
- [Relm Insurance profile](https://spot.insure/insurance-providers/relm) — provider profile (evidence)
- [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence)
- [Relm Insurance vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/relm-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Relm Insurance vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/relm-vs-three/cyber) — sibling comparison (other line, or other pair for this line)
- [Relm Insurance vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/relm-vs-three/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Relm Insurance vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/relm-vs-three/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Relm Insurance vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/relm-vs-three/general-liability) — sibling comparison (other line, or other pair for this line)
- [Relm Insurance vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/relm-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line)
- [Relm Insurance vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/relm-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-relm/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 Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-relm/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-relm/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-three/employment-practices) — sibling comparison (other line, or other pair for this line)

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

Relm describes EPL and wage-and-hour coverage for growing employers through brokers; THREE lists EPLI within a combined BOP.

## How to Use the Relm Insurance vs THREE by Berkshire Hathaway Employment Practices Liability Insurance Comparison

Use this comparison to evaluate Relm 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.

## Relm Insurance vs THREE by Berkshire Hathaway Employment Practices Liability Insurance Summary

Relm describes EPL and separate wage-and-hour coverage and says EPL exposure applies to companies at any headcount; THREE lists EPLI as a BOP component. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [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")

## What Is Relm Insurance?

Relm suits AI developers distinguishing liability and cyber/Tech E&O through Nova AI from first-party losses caused by third-party AI failures through Resca AI; businesses seeking standard small-business coverage should compare generalist providers. [1](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [2](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions")

[Relm Insurance profile](https://spot.insure/insurance-providers/relm)

## 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")

## What Are the Key Differences Between Relm Insurance and THREE by Berkshire Hathaway Employment Practices Liability Insurance?

### Wage-and-Hour Coverage and Hiring Stage

Relm describes EPL coverage for legal defense and settlement costs tied to harassment, discrimination, wrongful termination, and other employee claims, and separately discusses wage-and-hour issues such as overtime and misclassification. It says companies of any headcount can face EPL exposure, while emphasizing wage-and-hour exposure for large employers. THREE lists EPLI within its BOP but does not publish wage-and-hour terms or a separate employee threshold. Employers should ask whether wage-and-hour protection is included, excluded, or separately available in each proposal. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Broker Placement and Package Route

Relm says buyers access EPL coverage through brokers and its reviewed page does not describe a direct online quote. THREE offers a small-business online quote with advisor assistance as part of its combined BOP. A company that prefers broker-arranged financial-lines coverage can discuss the Relm option through its broker; a THREE buyer can compare the broader package and confirm which EPL terms appear in the quote. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") [4](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

## What Should You Confirm in Relm Insurance and THREE by Berkshire Hathaway Employment Practices Liability Insurance Quotes?

- Ask your broker whether Relm’s wage-and-hour terms cover defense only or also settlements, and identify the insurer. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance")
- Ask THREE for EPLI’s limit, retention, employee eligibility, and wage-and-hour wording in the BOP schedule. [6](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

## Relm Insurance vs THREE by Berkshire Hathaway Employment Practices Liability Compared

| Criteria | Relm Employment Practices Liability Insurance (EPL/W&H) | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Relm markets employment practices liability, including wage and hour liability, as a coverage brokers can place for clients through Relm's adaptable coverage solutions. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement..) | 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 | The reviewed page does not name a specific issuing insurer for EPL/wage-and-hour placements. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Not publicly disclosed; scope: Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific..) | 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 | Relm says any company with employees, regardless of headcount, benefits from EPL coverage, and highlights fast-growing companies as facing rising HR-related exposure as they scale hiring. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Financial Lines page framing; not a guarantee of eligibility for a particular company..) | 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 | Relm says EPL covers legal defense and settlement costs for employee claims including harassment, discrimination, wrongful termination, breach of contract and emotional distress, and separately describes wage-and-hour coverage for issues such as minimum-wage underpayment, overtime mishandling and employee misclassification. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Financial Lines page general description; the issued policy and declarations control..)<br><br>Relm says wage-and-hour claims are increasingly pursued as individual and class actions at both the state and federal level, and frames its wage-and-hour coverage as addressing that growing exposure specifically for large employers. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Financial Lines page 'What Is Wage and Hour Liability Insurance?' section..) | 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 | Confirm in your quote. | 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 | Relm sells EPL coverage through insurance brokers; its reviewed pages do not describe a direct online quote. [3](https://relminsurance.com/lines-of-business/financial-lines-insurance/ "Financial Lines Insurance") (Evidence: Company-reported; scope: Financial Lines page framing; consistent with Relm's broader broker-distribution model..) | 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..) |

## Related Pages for Relm Insurance vs THREE by Berkshire Hathaway

- [Relm Insurance vs THREE by Berkshire Hathaway](https://spot.insure/compare/relm-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.
- [Relm Insurance vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/relm-vs-three/commercial-property)
- [Relm Insurance vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/relm-vs-three/cyber)
- [Relm Insurance vs THREE by Berkshire Hathaway D&O Insurance](https://spot.insure/compare/relm-vs-three/directors-officers)
- [Relm Insurance vs THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://spot.insure/compare/relm-vs-three/fiduciary)
- [Relm Insurance vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/relm-vs-three/general-liability)
- [Relm Insurance vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/relm-vs-three/inland-marine)
- [Relm Insurance vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/relm-vs-three/professional-errors-omissions)
- [AIG vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-relm/employment-practices)
- [AIG vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-three/employment-practices)
- [Alliance Risk vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-relm/employment-practices)
- [Alliance Risk vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/employment-practices)
- [Amelia Risk vs Relm Insurance Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-relm/employment-practices)
- [Amelia Risk vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-three/employment-practices)

## Sources for Relm Insurance vs THREE by Berkshire Hathaway

### Sources About Relm Insurance

1. [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/). Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
2. [Relm Launches AI Liability Solutions](https://relminsurance.com/relm-insurance-launches-ai-suite/). Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
3. [Financial Lines Insurance](https://relminsurance.com/lines-of-business/financial-lines-insurance/). Relm Insurance; Employment Practices Liability Insurance (EPL): What Is Employment Practices Liability Insurance?; What Is Wage and Hour Liability Insurance?; Growing Fast? Make Sure Your Cover Keeps Up; Who Needs Employment Practices Liability?. Accessed 2026-09-23.

### Sources About 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.

### Sources for the 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 2026-10-01. 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.

## Relm Insurance Review Scores for 2026

Review Score: not enough ratings.

We couldn't find any public customer reviews or ratings for Relm Insurance. Its Trustpilot page exists but has no reviews yet.



Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/relm/reviews).

## THREE by Berkshire Hathaway Review Scores for 2026

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/relm-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)