---
title: "THREE by Berkshire Hathaway vs Travelers: Workers’ Compensation Insurance"
description: "THREE lists workers' comp in its BOP; Travelers underwrites a standalone policy with separate claims and risk-control services."
canonical: "https://spot.insure/compare/three-vs-travelers/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "three-vs-travelers"
provider-a: "three"
provider-b: "travelers"
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/three-vs-travelers/workers-compensation)

## Agent Guide

**What this page is:** Focused comparison of THREE by Berkshire Hathaway and Travelers 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 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 Workers’ Compensation Insurance: how do they differ?
- Which is better for Workers’ Compensation Insurance, THREE by Berkshire Hathaway or Travelers?
- What does THREE by Berkshire Hathaway or Travelers publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Workers’ Compensation Insurance from THREE by Berkshire Hathaway or Travelers?

**Key facts:**
- Line: Workers’ Compensation 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 2026-09-30. 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
- [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — 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 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)
- [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)
- [AIG vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-travelers/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)
- [Alliance Risk vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/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)
- [Amelia Risk vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-travelers/workers-compensation) — sibling comparison (other line, or other pair for this line)

# THREE by Berkshire Hathaway vs Travelers: How Do They Compare for Workers’ Compensation Insurance?

THREE lists workers' comp in its BOP; Travelers underwrites a standalone policy with separate claims and risk-control services.

## Research Scope and Use

Use this comparison to evaluate THREE by Berkshire Hathaway and Travelers 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

THREE presents workers' compensation as a category within its Business Owners Policy. Travelers underwrites workers' comp as a standalone line and describes separate risk-control and claim services, including a medical network and return-to-work outcomes. [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [7](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance")

## 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 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](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [9](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [10](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information") [11](https://www.tdi.texas.gov/wc/employer/index.html "Employer resources")

## Key Differences in Workers’ Compensation Insurance

### Standalone Underwriting or BOP Component

Travelers says it underwrites workers' compensation directly as a standalone line, with risk-control and claim services alongside the policy. THREE instead lists workers' comp as one component of its combined Business Owners Policy. A buyer can compare Travelers' separate policy and state-specific forms with workers' compensation selected as part of THREE's package; in either case, verify the issuing company in the declarations. [7](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Return-to-Work Services

Travelers reports that 70% of injured employees return to work within 30 days, attributes a 40% decline in opioid use to its Early Severity Predictor tool, and describes access to a 2.3-million-provider medical network. These are company-reported program outcomes. THREE's reviewed workers' comp listing names the BOP category but does not describe comparable return-to-work statistics. Employers should ask what recovery services and claim measures apply to their own proposal rather than treat the reported figures as a prediction. [7](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

## What to Confirm in Workers’ Compensation Insurance Quotes

- Ask Travelers which insurer affiliate issues your policy, whether the state requires a fund route, and what claim or risk-control services apply. [7](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance")
- Ask THREE whether workers' comp is included and identify its issuer, return-to-work services, benefits and deductible. [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")
- Compare medical-network access, employer-liability terms and state-specific stop-gap needs. [7](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

## Offering Details

| Criteria | THREE Business Owners Policy | Travelers Workers Compensation Insurance |
| --- | --- | --- |
| Role in 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. [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 workers compensation insurance directly as a standalone line, separate from a business owner's policy, and says it also provides risk control and claim services alongside the policy rather than selling coverage alone. [7](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Workers-compensation product page, as read on 2026-09-23..) |
| 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..) | A video transcript on the workers-compensation page is copyrighted to The Travelers Indemnity Company, which is consistent with that entity issuing workers compensation policies, though the page does not state that every workers-comp policy is issued by that entity rather than an affiliate. [7](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Video transcript credit on the workers-compensation page; not a policy-level disclosure of the issuing entity for a specific quote..) |
| Who It’s For | 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. [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 says nearly every state requires most businesses to carry workers compensation insurance, but that in monopolistic states employers must buy coverage from a state-run fund, or may self-insure using a third-party administrator, so Travelers workers compensation is not purchasable there through Travelers itself. [7](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Workers-compensation FAQ answer, 'Who needs workers compensation insurance?'; the page does not list which states are monopolistic..)<br><br>Travelers markets workers compensation to both large, multi-state employers and small businesses, and says it maintains state-specific requirement information because coverage terms and required forms vary by jurisdiction. [7](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Large-business and small-business sections and the 'Workers compensation laws vary by state' section..) |
| Coverage Features | 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. [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 Workers’ Compensation. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy..) | Travelers says the policy covers employees' medical expenses and lost wages for job-related injuries and diseases, includes employers liability coverage for related lawsuits not covered by workers-comp law, and that employers in monopolistic states may add employers liability separately as stop-gap coverage. [7](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Product overview and 'What does workers comp cover?' FAQ; full inclusions and exclusions depend on the policy as issued and the applicable state..) |
| Limits and Retentions | 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. [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..) | Confirm in your quote. |
| Risk Services | Confirm in your quote. | Travelers reports internal outcome and cost-containment statistics for its workers-comp claim and risk-control programs, including 70% of injured employees returning to work within 30 days, a 40% decline in opioid use it attributes to its Early Severity Predictor tool, and access to a network of 2.3 million medical providers. [7](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Workers-compensation page statistics, sourced to Travelers internal data; these are company-reported outcomes, not independently verified..) |
| 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 Workers’ Compensation will be offered for a particular business or whether a customer can bind that line without an issued policy..) | Travelers directs buyers to contact a local Travelers agent to find a workers compensation policy, and separately notes pricing depends on business location, type of work, total payroll and claims history rather than a fixed rate. [7](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Workers-compensation FAQ answers 'How can I buy workers compensation insurance?' and 'What determines the cost of a workers compensation policy?'.) |

## Full Comparison

- [THREE by Berkshire Hathaway vs Travelers](https://spot.insure/compare/three-vs-travelers): 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.
- [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 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)
- [AIG vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-three/workers-compensation)
- [AIG vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-travelers/workers-compensation)
- [Alliance Risk vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-three/workers-compensation)
- [Alliance Risk vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-travelers/workers-compensation)
- [Amelia Risk vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-three/workers-compensation)
- [Amelia Risk vs Travelers Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-travelers/workers-compensation)

## Sources

### 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.

### 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. [Workers Compensation Insurance](https://www.travelers.com/business-insurance/workers-compensation). Travelers; What is workers compensation insurance?; Who needs workers compensation insurance?; What does workers comp cover?; Is all workers compensation insurance the same?; Trends in workers compensation legislation; Copyright 2018 The Travelers Indemnity Company video transcript. Accessed 2026-09-23.

### Workers’ Compensation Insurance Guide

8. [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.
9. [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.
10. [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.
11. [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.

## 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).

## Travelers Reviews

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/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)