--- title: "Risklytics vs THREE by Berkshire Hathaway: Workers’ Compensation Insurance" description: "Risklytics places workers' comp with specialist carriers for robotics, autonomy and AI; THREE lists it within its BOP." canonical: "https://spot.insure/compare/risklytics-vs-three/workers-compensation" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "risklytics-vs-three" provider-a: "risklytics" provider-b: "three" coverage-line: "workers-compensation" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/risklytics-vs-three/workers-compensation) ## Agent Guide **What this page is:** Focused comparison of Risklytics 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 Risklytics 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:** - Risklytics vs THREE by Berkshire Hathaway for Workers’ Compensation Insurance: how do they differ? - Which is better for Workers’ Compensation Insurance, Risklytics or THREE by Berkshire Hathaway? - What does Risklytics 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 Risklytics or THREE by Berkshire Hathaway? **Key facts:** - Line: Workers’ Compensation Insurance. Providers: Risklytics 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:** - [Risklytics vs THREE by Berkshire Hathaway](https://spot.insure/compare/risklytics-vs-three) — parent: all coverage lines for this pair - [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — coverage explainer for this line - [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile (evidence) - [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence) - [Risklytics vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/risklytics-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line) - [Risklytics vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/risklytics-vs-three/general-liability) — sibling comparison (other line, or other pair for this line) - [Risklytics vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/risklytics-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line) - [AIG vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-risklytics/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 Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/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 Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/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) # Risklytics vs THREE by Berkshire Hathaway: How Do They Compare for Workers’ Compensation Insurance? Risklytics places workers' comp with specialist carriers for robotics, autonomy and AI; THREE lists it within its BOP. ## Research Scope and Use Use this comparison to evaluate Risklytics 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 Risklytics places workers' compensation with outside specialist carriers and focuses on robotics, autonomy and AI businesses, using an online application with a licensed producer on the file. THREE lists workers' comp within its combined Business Owners Policy. [1](https://www.risklytics.ai/about/ "About Risklytics: who we are") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ## What Is Risklytics Insurance? Risklytics suits robotics, autonomy and AI businesses that want help preparing an application and checking Tech E&O wording for AI exclusions; standard small businesses should compare generalist agencies. California eligibility is not established in its public materials. [1](https://www.risklytics.ai/about/ "About Risklytics: who we are") [2](https://www.risklytics.ai/ "Insurance for Frontier Tech") [3](https://www.risklytics.ai/terms/ "Terms of Service") [Risklytics profile](https://spot.insure/insurance-providers/risklytics) ## 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. [6](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [7](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. [9](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [10](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [11](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information") [12](https://www.tdi.texas.gov/wc/employer/index.html "Employer resources") ## Key Differences in Workers’ Compensation Insurance ### Specialist Carrier Placement Risklytics says it places workers' compensation with outside carriers and works with specialist insurers willing to cover robotics, autonomy and AI risks; it does not underwrite the policy. THREE presents the coverage as a category within its Business Owners Policy. A robotics or autonomy employer can ask Risklytics which specialist carrier will handle its job classes, while a THREE buyer should confirm the BOP form fits the actual work performed at customer sites. [1](https://www.risklytics.ai/about/ "About Risklytics: who we are") [4](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ### Application and Pricing Basis Risklytics says buyers start with an online application and that payroll and job classifications determine pricing; a licensed producer stays on the file through binding, with no broker fee added to the premium. THREE offers an online BOP quote with licensed advisor help and publishes the line's limits and deductibles in the quote summary. Compare the payroll and class-code assumptions alongside any package pricing before binding. [5](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [1](https://www.risklytics.ai/about/ "About Risklytics: who we are") [6](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [7](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") ## What to Confirm in Workers’ Compensation Insurance Quotes - Ask Risklytics which carrier will issue the policy, what state forms apply, and how its producer supports the file through binding. [1](https://www.risklytics.ai/about/ "About Risklytics: who we are") - Ask THREE to confirm workers' comp is selected in the BOP and identify the carrier, class codes, payroll basis and deductible. [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [7](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") - Compare treatment of founders or officers, whose ability to opt out may vary by state. [4](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") [6](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") ## Offering Details | Criteria | Risklytics Workers' Compensation Insurance | THREE Business Owners Policy | | --- | --- | --- | | Role in This Line | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Workers' Compensation Insurance with outside carriers; it says it does not underwrite policies itself. [1](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: About page; describes Risklytics' brokerage model generally, restated for this line..) | 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. [8](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 | Risklytics does not name the carrier that underwrites Risklytics Workers' Compensation Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. [4](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") [1](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Lines page and about page; no specific insurer is published for this line..) | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [7](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 | Risklytics says the coverage is required by law in most states once a company has its first employee, and notes states differ on whether founders and officers can exclude themselves. [4](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Lines page..) | 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. [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](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 | Risklytics describes Workers' Compensation as paying an injured employee's medical bills and part of their wages, citing a technician straining their back and a field installer falling from a ladder at a customer site as examples, and distinguishes it from general liability, which would answer a customer's own employee being hurt instead. [4](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) | 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. [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [7](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 | Risklytics says statutory limits for this line are set by state law rather than chosen by the buyer. [4](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Lines page..) | 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. [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [7](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 | Risklytics calls workers' compensation easy to get, since it is legally required and priced from the client's payroll and job classifications. [4](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Lines page..) | Confirm in your quote. | | How to Apply | You start Risklytics Workers' Compensation Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. [5](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [1](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Pricing page describes the general application and fee process, not a line-specific form..) | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. [6](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 - [Risklytics vs THREE by Berkshire Hathaway](https://spot.insure/compare/risklytics-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. - [Risklytics vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/risklytics-vs-three/commercial-property) - [Risklytics vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/risklytics-vs-three/general-liability) - [Risklytics vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/risklytics-vs-three/inland-marine) - [AIG vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-risklytics/workers-compensation) - [AIG vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-three/workers-compensation) - [Alliance Risk vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/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 Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/workers-compensation) - [Amelia Risk vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-three/workers-compensation) ## Sources ### Risklytics 1. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23. 2. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16. 3. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16. 4. [Workers' Compensation Insurance](https://www.risklytics.ai/lines/workers-comp/). Risklytics; Coverage line: Workers’ Compensation; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23. 5. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23. ### THREE by Berkshire Hathaway 6. [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. 7. [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. 8. [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 9. [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. 10. [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. 11. [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. 12. [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. ## Risklytics Reviews Review Score: not enough ratings. Risklytics has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/risklytics/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/risklytics-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)