--- title: "THREE by Berkshire Hathaway vs Travelers: Employment Practices Liability Insurance" description: "THREE lists EPLI in its BOP, while Travelers underwrites it standalone or with other management-liability coverages." canonical: "https://spot.insure/compare/three-vs-travelers/employment-practices" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "three-vs-travelers" provider-a: "three" provider-b: "travelers" coverage-line: "employment-practices" --- 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/three-vs-travelers/employment-practices) ## Agent Guide **What this page is:** Focused comparison of THREE by Berkshire Hathaway and Travelers 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 THREE by Berkshire Hathaway versus Travelers. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - THREE by Berkshire Hathaway vs Travelers for Employment Practices Liability Insurance: how do they differ? - Which is better for Employment Practices Liability Insurance, THREE by Berkshire Hathaway or Travelers? - What does THREE by Berkshire Hathaway or Travelers publish about Employment Practices Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Employment Practices Liability Insurance from THREE by Berkshire Hathaway or Travelers? **Key facts:** - Line: Employment Practices Liability Insurance. Providers: THREE by Berkshire Hathaway and Travelers. - 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:** - [THREE by Berkshire Hathaway vs Travelers](https://spot.insure/compare/three-vs-travelers) — parent: all coverage lines for this pair - [Employment Practices Liability Insurance guide](https://spot.insure/coverage/employment-practices) — coverage explainer for this line - [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence) - [Travelers profile](https://spot.insure/insurance-providers/travelers) — provider profile (evidence) - [THREE by Berkshire Hathaway vs Travelers Business Owner’s Policy](https://spot.insure/compare/three-vs-travelers/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Travelers Commercial Auto Insurance](https://spot.insure/compare/three-vs-travelers/commercial-auto) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Travelers Commercial Property Insurance](https://spot.insure/compare/three-vs-travelers/commercial-property) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Travelers Cyber Insurance](https://spot.insure/compare/three-vs-travelers/cyber) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Travelers D&O Insurance](https://spot.insure/compare/three-vs-travelers/directors-officers) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Travelers Equipment Breakdown Insurance](https://spot.insure/compare/three-vs-travelers/equipment-breakdown) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/three-vs-travelers/fiduciary) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Travelers General Liability Insurance](https://spot.insure/compare/three-vs-travelers/general-liability) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Travelers Inland Marine Insurance](https://spot.insure/compare/three-vs-travelers/inland-marine) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/three-vs-travelers/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [THREE by Berkshire Hathaway vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/three-vs-travelers/workers-compensation) — 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) - [AIG vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-travelers/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) - [Alliance Risk vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/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) - [Amelia Risk vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-travelers/employment-practices) — sibling comparison (other line, or other pair for this line) # THREE by Berkshire Hathaway vs Travelers: How Do They Compare for Employment Practices Liability Insurance? THREE lists EPLI in its BOP, while Travelers underwrites it standalone or with other management-liability coverages. ## How to Use the THREE by Berkshire Hathaway vs Travelers Employment Practices Liability Insurance Comparison Use this comparison to evaluate THREE by Berkshire Hathaway and Travelers 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. ## THREE by Berkshire Hathaway vs Travelers Employment Practices Liability Insurance Summary THREE lists EPLI as a BOP category; Travelers underwrites EPL within Management & Professional Liability, either standalone or alongside other management lines. [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [7](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") ## 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](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [2](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 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](https://www.travelers.com/business-insurance/technology "Technology Insurance") [5](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Travelers Producer Compensation Disclosure (United States)") [6](https://www.travelers.com/contact-us "Contact Us") [Travelers profile](https://spot.insure/insurance-providers/travelers) ## 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](https://www.iii.org/article/employment-practices-liability-insurance "Employment Practices Liability Insurance") [9](https://asset.trvstatic.com/download/assets/epl-3001.pdf/2c354eaa63ca11eeacdd06e978c86228 "Employment Practices Liability Coverage") [10](https://asset.trvstatic.com/download/assets/lia-3001.pdf/e79a6b6c63ca11eeaa7806e978c86228 "Liability Coverage Terms and Conditions") ## What Are the Key Differences Between THREE by Berkshire Hathaway and Travelers 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](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ### 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](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ## What Should You Confirm in THREE by Berkshire Hathaway and Travelers Employment Practices Liability Insurance Quotes? - Ask Travelers whether the quote is standalone or paired with other management coverage, and identify the writing company on the proposal. [7](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") - Ask THREE to confirm EPLI is scheduled and provide its limit, deductible, and applicable form with the BOP quote. [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") ## THREE by Berkshire Hathaway vs Travelers Employment Practices Liability Compared | 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. [3](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..) | Travelers underwrites EPL insurance as part of its Management & Professional Liability line, sold standalone or alongside other management liability coverages. [7](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: 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. [2](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..) | 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. [7](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [1](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..) | Travelers markets EPL coverage to financial institutions, nonprofit organizations, private companies and public companies. [7](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [2](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..) | Travelers says EPL insurance covers defense costs and damages tied to employment-related claims, including wrongful termination, discrimination, workplace harassment and retaliation. [7](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [2](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..) | 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. [7](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Not found in reviewed sources; scope: 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. [1](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..) | EPL coverage is bought through a Travelers independent agent. [7](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices "Employment Practices Liability Insurance (EPL)") (Evidence: Company-reported; scope: Product page "Find an insurance agent" call to action..) | ## Related Pages for THREE by Berkshire Hathaway vs Travelers - [THREE by Berkshire Hathaway vs Travelers](https://spot.insure/compare/three-vs-travelers): 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. - [THREE by Berkshire Hathaway vs Travelers Business Owner’s Policy](https://spot.insure/compare/three-vs-travelers/business-owners-policy) - [THREE by Berkshire Hathaway vs Travelers Commercial Auto Insurance](https://spot.insure/compare/three-vs-travelers/commercial-auto) - [THREE by Berkshire Hathaway vs Travelers Commercial Property Insurance](https://spot.insure/compare/three-vs-travelers/commercial-property) - [THREE by Berkshire Hathaway vs Travelers Cyber Insurance](https://spot.insure/compare/three-vs-travelers/cyber) - [THREE by Berkshire Hathaway vs Travelers D&O Insurance](https://spot.insure/compare/three-vs-travelers/directors-officers) - [THREE by Berkshire Hathaway vs Travelers Equipment Breakdown Insurance](https://spot.insure/compare/three-vs-travelers/equipment-breakdown) - [THREE by Berkshire Hathaway vs Travelers Fiduciary Liability Insurance](https://spot.insure/compare/three-vs-travelers/fiduciary) - [THREE by Berkshire Hathaway vs Travelers General Liability Insurance](https://spot.insure/compare/three-vs-travelers/general-liability) - [THREE by Berkshire Hathaway vs Travelers Inland Marine Insurance](https://spot.insure/compare/three-vs-travelers/inland-marine) - [THREE by Berkshire Hathaway vs Travelers Professional Liability (E&O) Insurance](https://spot.insure/compare/three-vs-travelers/professional-errors-omissions) - [THREE by Berkshire Hathaway vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/three-vs-travelers/workers-compensation) - [AIG vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-three/employment-practices) - [AIG vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/aig-vs-travelers/employment-practices) - [Alliance Risk vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/employment-practices) - [Alliance Risk vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/employment-practices) - [Amelia Risk vs THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-three/employment-practices) - [Amelia Risk vs Travelers Employment Practices Liability Insurance](https://spot.insure/compare/amelia-risk-vs-travelers/employment-practices) ## Sources for THREE by Berkshire Hathaway vs Travelers ### Sources About THREE by Berkshire Hathaway 1. [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. 2. [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. 3. [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 About Travelers 4. [Technology Insurance](https://www.travelers.com/business-insurance/technology). 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. 5. [Travelers Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). 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. 6. [Contact Us](https://www.travelers.com/contact-us). Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16. 7. [Employment Practices Liability Insurance (EPL)](https://www.travelers.com/business-insurance/professional-liability-insurance/employment-practices). 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 8. [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. 9. [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. 10. [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. ## 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). ## Travelers Review Scores for 2026 Review Score: 4.8 / 10 from 3 rated sources, equally weighted. 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. - NerdWallet: NerdWallet editorial rating 4.5 (5 stars). Editorial commercial-insurance assessment; methodology and scope belong to publisher. Period: 2026 review; accessed 2026-09-25. Checked 2026-09-25. [NerdWallet result for Travelers](https://www.nerdwallet.com/business/insurance/learn/travelers-business-insurance) - Trustpilot: Trustpilot TrustScore 1.4 (5 stars); 144 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for Travelers](https://www.trustpilot.com/review/travelers.com) - ConsumerAffairs: ConsumerAffairs homeowners consumer rating 1.3 (5 stars); 331 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-09-21; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for Travelers](https://www.consumeraffairs.com/insurance/travelers.html) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/travelers/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/three-vs-travelers/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)