TechInsurance vs 
THREE by Berkshire Hathaway: How Do They Compare for Workers’ Compensation Insurance?
What Is TechInsurance?
TechInsurance fits freelancers and small software, SaaS and IT firms that want to compare several insurers' quotes from one application, with agent help and a tech E&O plus cyber bundle. Growth-stage companies needing a managed renewal program or firm quote deadlines should look at specialist brokers. 1,2,3
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. 5,6
Read the THREE by Berkshire Hathaway profile
Read the THREE by Berkshire Hathaway Workers’ Compensation Insurance page
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. 8,9,10,11
Key Differences in Workers’ Compensation Insurance
Cost Reference and Billing Structure
TechInsurance reports a $54 monthly median ($643 yearly), while noting the actual premium depends on payroll, employee count, location, industry and claims history. It also says very small businesses may have pay-as-you-go or minimum-premium structures. THREE presents workers' compensation as part of its BOP and gives quote-specific limits and deductibles, but the reviewed materials do not publish a separate workers' comp premium. The published median is only a reference point; compare quotes with the same payroll and class codes. 4 7 6
Standalone Line and Package Quote
TechInsurance arranges workers' comp as a required policy in most states and offers a short online application with agent help. THREE lists workers' comp within its combined Business Owners Policy and routes prospects to an online quote or Small Business Advisor. This separates a standalone quote path from a package path; buyers should check state eligibility and whether the quote includes the required coverage before comparing price. 4 7 5
What to Confirm in Workers’ Compensation Insurance Quotes
- Ask TechInsurance whether your payroll qualifies for pay-as-you-go or minimum-premium terms and which carrier issues the policy. 4
- Ask THREE to break out the workers' comp premium and list the payroll basis, class codes, issuer and state forms. 7 6
- Compare which medical, wage-replacement, employer-liability and death benefits each form provides. 4 6
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
TechInsurance
Review Score
2 rated sources
TechInsurance’s available ratings are favorable, with praise for broker guidance. The feedback supports its shopping service more than any particular insurer’s claims handling.[4][5]
Read TechInsurance reviewsTHREE by Berkshire Hathaway
Review Score
2 rated sources
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.[4][3][1][2]
Read THREE by Berkshire Hathaway reviewsOffering Details
TechInsurance vs THREE by Berkshire Hathaway: Workers’ Compensation Insurance: documented features by provider
| Criteria | TechInsurance Workers' Compensation Insurance | THREE Business Owners Policy |
|---|---|---|
| Role in This Line | TechInsurance arranges workers' compensation insurance for small businesses; the reviewed page describes it as a legally required policy in most states rather than a proprietary product. 4Company-reported. Workers' compensation 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. 7Company-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. |
| Issuing Insurer | The reviewed page does not name the issuing insurer for a workers' compensation policy; TechInsurance notes that a small number of monopolistic states (it names Wyoming, Washington, Ohio and North Dakota) require purchasing coverage through a dedicated state fund rather than a private carrier. 4Not publicly disclosed. Workers' compensation product page as read on 2026-09-23. | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. 6Company-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. |
| Who It’s For | TechInsurance says workers' comp requirements vary by state: most states require coverage once a business hires its first employee, Texas and South Dakota do not mandate it, and some states such as California require it for certain contractors even with no employees. 4Company-reported. Workers' compensation product page, Are you legally required to carry workers' comp insurance? 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. 7,5Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms. |
| Coverage Features | TechInsurance says workers' compensation covers emergency and ongoing medical treatment for work injuries and illnesses, partial wage replacement during recovery, employer's liability coverage for related lawsuits, and death benefits including funeral costs and family financial support. 4Company-reported. Workers' compensation product page; general policy description, not a specific policy form. | 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. 7,6Company-reported. 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 | TechInsurance says its workers' compensation policyholders pay a median of $54 per month, or about $643 a year, with the exact cost depending on employee count, location, claims history, policy limits, payroll and industry risk factors. 4Company-reported. Workers' compensation product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table. | 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. 7,6Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible. |
| How to Apply | You request workers' compensation quotes online through a short application; TechInsurance says licensed agents are available to help, and mentions pay-as-you-go and minimum-premium policy structures as options for very small businesses. 4Company-reported. Workers' compensation product page, How can I save money on workers' comp coverage? section. | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. 5Company-reported. 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
More TechInsurance vs THREE by Berkshire Hathaway Comparisons
Other Workers’ Compensation Insurance Comparisons
Sources
TechInsurance
- About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
- Technology Errors and Omissions – Tech E&O Insurance. TechInsurance; Tech E&O insurance includes two policies; quotation form; Technology professionals we insure. Accessed 2026-09-16.
- Contact Us. TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
- Workers' Compensation Insurance – Compare Quotes. TechInsurance; What does workers' compensation insurance cover? (emergency response, ongoing treatment, partial wages, employer's liability, death benefits); How much does workers' compensation insurance cost?; Are you legally required to carry workers' comp insurance?; Do sole proprietors and independent contractors need workers' compensation insurance? Accessed 2026-09-23.
THREE by Berkshire Hathaway
- Jargon-free small business insurance - THREE by Berkshire Hathaway. 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.
- The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway. 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.
- Business Owners Policy - THREE by Berkshire Hathaway. 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
- Workers’ 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.
- Small Business Insurance. 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.
- DWC employer information. 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.
- Employer resources. 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.
