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 USI Insurance Services?
USI suits software and hardware companies from seed stage through IPO seeking consultative broker support; buyers wanting a self-serve quote should compare digital agencies. Insurer commissions are typical and contingent compensation may also apply. 4,5,6
Read the USI Insurance Services profile
Read the USI Insurance Services 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. 9,10,11
Key Differences in Employment Practices Liability Insurance
Placement Through a BOP or a Broker
THREE presents EPLI within its combined Business Owners Policy. USI’s business-services catalogue lists EPL among its solutions, and its ExecuSafe article describes checking existing management-liability policies for gaps that include EPL. An employer can compare THREE’s package listing with USI’s existing-program review, then ask what individual placement or revised terms are available for its risk. Neither description establishes terms for a particular applicant. 3 7 8
How the Inquiry Starts
USI’s ExecuSafe page describes review of existing management-liability coverage; THREE describes an online small-business quote with licensed advisor help for its general product. Those routes answer different first questions: whether current coverage needs review, or whether a business wants to begin a package quote. A buyer should ask USI which policy form is proposed and ask THREE whether EPLI is shown for the applicant before comparing limits and exclusions. 8 1
What to Confirm in Employment Practices Liability Insurance Quotes
THREE by Berkshire Hathaway and USI Insurance Services 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.
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 reviewsUSI Insurance Services Review Score
Review Score
1 rated source
USI’s public feedback is too sparse and office-specific for a firmwide verdict. Check the local team’s responsiveness and experience with your type of business.[4][6][8]
Read USI Insurance Services reviewsTHREE by Berkshire Hathaway vs USI Insurance Services Employment Practices Liability Compared
THREE by Berkshire Hathaway vs USI Insurance Services: Employment Practices Liability Insurance: documented features by provider
| Criteria | THREE Business Owners Policy | USI Employment Practices Liability Brokerage |
|---|---|---|
| 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. | USI brokers employment practices liability (EPL) coverage, which responds to claims like wrongful termination, discrimination or harassment; it places EPL individually or reviews it as part of a management liability program under ExecuSafe. 7,8Company-reported. Business Services catalogue and ExecuSafe article. |
| 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. | Neither page names the insurer USI uses for EPL placements. 7Not publicly disclosed. Pages as read on 2026-09-23. |
| 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. | USI's Business Services practice, which lists EPL, targets building and maintenance, repair service, janitorial, staffing and printing companies; its ExecuSafe review targets small- and medium-sized businesses generally. 7,8Company-reported. Company description of client segments for each source. |
| 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. | USI lists employment practices liability among the coverages it places for business-services clients, and its ExecuSafe review looks for gaps in a client's existing EPL coverage as part of a broader management liability check. 7,8Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements 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. | Neither page publishes EPL limit or retention figures. 7Not publicly disclosed. Pages as read on 2026-09-23. |
| Risk Services | Confirm in your quote. | USI's Business Services practice says it offers classification and exposure reviews, claim advocacy and contract review across its coverage lines including EPL, and its ExecuSafe process specifically checks existing EPL coverage for gaps. 7,8Company-reported. Combines the general Business Services service list with the ExecuSafe-specific review step. |
| 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. | USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. 7,8Company-reported. Contact instructions on each page. |
Related Pages for THREE by Berkshire Hathaway vs USI Insurance Services
Employment Practices Liability Pages for THREE by Berkshire Hathaway and USI Insurance Services
Other Coverage Lines Compared for THREE by Berkshire Hathaway vs USI Insurance Services
Other Employment Practices Liability Insurance Provider Comparisons
Sources for THREE by Berkshire Hathaway vs USI Insurance Services
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 USI Insurance Services
- The Power of ONE. USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
- Technology Insurance. USI Insurance Services; Technology practice client types, seed-to-IPO range, and listed insurance placement lines including PrivaSafe. Accessed 2026-09-16.
- Commissions and Fees. USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
- Business Services. USI Insurance Services; USI advises clients...and provides solutions for...Employment Practices Liability... Accessed 2026-09-23.
- Protect Your Company and Personal Assets From Management Liability Risks. USI Insurance Services; Review existing management liability policies (if any) to uncover gaps in coverage...(including employment practices liability, fiduciary liability, and crime). 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.
