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

RiskCube lists Employment Practices Liability Insurance (EPLI) as one line in its startup catalogue, sold through RiskCube Insurance Services, LLC, which the catalogue page describes as an "Independent brokerage." RiskCube does not underwrite the policy itself. ⁴Company-reported. Catalogue-level description; no EPLI-specific product page exists to confirm additional role detail.

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. ⁸Company-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.

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The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. ⁷Company-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.

RiskCube's catalogue says EPLI is "critical for startups hiring their first employees or scaling a team rapidly," framing it around early hiring growth rather than company size generally. ⁴Company-reported. Catalogue marketing description, not an underwriting eligibility rule.

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. ^8,6Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms.

RiskCube's catalogue describes EPLI as covering claims from current or former employees alleging wrongful termination, discrimination, harassment or retaliation. ⁴Company-reported. One-paragraph catalogue card; no policy form or endorsement list was found for this line.

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. ^8,7Company-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.

The reviewed EPLI catalogue card and contact-form page do not publish limit, retention or premium ranges for this line. ^4,5Not publicly disclosed. Public pages checked on 2026-09-23; amounts may appear only on an individual 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. ^8,7Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible.

Unlike RiskCube's technology E&O and key person life insurance lines, the catalogue's "Learn more" link for EPLI (riskcubeai.com/insurance/epli) redirects to a general contact form rather than a dedicated page describing an EPLI-specific application flow, timeline or required intake information. ⁵Not found in reviewed sources. Checked on 2026-09-23; the URL may change to a dedicated page later.

THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. ⁶Company-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.