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. 1,2
Read the THREE by Berkshire Hathaway profile
Read the THREE by Berkshire Hathaway Employment Practices Liability Insurance page
What Is Travelers Insurance?
Travelers suits technology companies that want CyberRisk Tech and can work through an independent agent; buyers seeking a direct online technology quote should compare digital providers. Many small accounts can be quoted in agent platforms, while specialty risks need underwriting. 4,5,6
Read the Travelers Employment Practices Liability Insurance page
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. 8,9,10
Key Differences in Employment Practices Liability Insurance
Standalone EPL or a BOP Component
Travelers describes EPL as part of Management & Professional Liability, available by itself or alongside other management-liability coverages. THREE presents EPLI as one component of its combined Business Owners Policy. A company arranging EPL apart from a small-business package can ask Travelers about the standalone route; a buyer comparing a bundled BOP should verify that EPLI appears in the actual schedule. The product-category listing alone does not establish inclusion for every applicant. 7 3
Covered Allegations and Claim Scope
Travelers says its EPL coverage responds to defense costs and damages for allegations such as wrongful termination, discrimination, harassment, and retaliation. THREE presents EPLI as a BOP category, while the cited category listing does not establish quote-specific response terms. A buyer can use Travelers’ examples to frame a form comparison, then compare definitions, exclusions, and insured-person wording in both proposed forms. 7 3
What to Confirm in Employment Practices Liability Insurance Quotes
THREE by Berkshire Hathaway and Travelers Review Scores for 2026
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.
THREE by Berkshire Hathaway Review Score
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 reviewsTravelers Review Score
Review Score
3 rated sources
Travelers earns 4.5/5 from NerdWallet, but customer feedback is poor: 1.4/5 on Trustpilot and 1.3/5 for homeowners on ConsumerAffairs. Those reviews mostly concern personal insurance.[1][2][4][5][6][7]
Read Travelers reviewsTHREE by Berkshire Hathaway vs Travelers Employment Practices Liability Compared
THREE by Berkshire Hathaway vs Travelers: Employment Practices Liability Insurance: documented features by provider
| Criteria | THREE Business Owners Policy | Travelers Employment Practices Liability Insurance (EPL) |
|---|---|---|
| Role in This Line | 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. 3Company-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. | Travelers underwrites EPL insurance as part of its Management & Professional Liability line, sold standalone or alongside other management liability coverages. 7Company-reported. Product page general framing; confirmed against the broader Management and Professional Liability Insurance page. |
| Issuing Insurer | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. 2Company-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. | The product page's video disclosure names Travelers Casualty and Surety Company of America and its property casualty affiliates; the specific issuing entity for a given policy can vary. 7Company-reported. Product page video legal footer. |
| Who It’s For | 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. 3,1Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms. | Travelers markets EPL coverage to financial institutions, nonprofit organizations, private companies and public companies. 7Company-reported. Product page "Who is this right for?" section. |
| Coverage Features | 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. 3,2Company-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. | Travelers says EPL insurance covers defense costs and damages tied to employment-related claims, including wrongful termination, discrimination, workplace harassment and retaliation. 7Company-reported. Product page "What is EPL insurance?" section; exact terms and exclusions are set by the issued policy. |
| Limits and Retentions | 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. 3,2Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible. | The reviewed page does not publish EPL limits, retentions or premiums; it references illustrative settlement examples (from $45,000 to $280,000, including defense costs) as general risk context, not as policy terms. 7Not found in reviewed sources. Product page video claim scenarios as read on 2026-09-23. |
| How to Apply | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. 1Company-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. | EPL coverage is bought through a Travelers independent agent. 7Company-reported. Product page "Find an insurance agent" call to action. |
Related Pages for THREE by Berkshire Hathaway vs Travelers
Employment Practices Liability Pages for THREE by Berkshire Hathaway and Travelers
Other Coverage Lines Compared for THREE by Berkshire Hathaway vs Travelers
Other Employment Practices Liability Insurance Provider Comparisons
Sources for THREE by Berkshire Hathaway vs Travelers
Sources About 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.
Sources About Travelers
- Technology Insurance. Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
- Travelers Producer Compensation Disclosure (United States). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
- Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
- Employment Practices Liability Insurance (EPL). Travelers; What is EPL insurance?; Who is this right for?; video legal footer naming Travelers Casualty and Surety Company of America. Accessed 2026-09-23.
Sources for the Employment Practices Liability Insurance Guide
- Employment Practices Liability Insurance. Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
- Employment Practices Liability Coverage. 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.
- Liability Coverage Terms and Conditions. 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.
