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
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 4,5
Read the Zurich U.S. 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. 7,8,9
Key Differences in Employment Practices Liability Insurance
Covered Allegations and Optional Terms
Zurich says its EPLI can address defense costs, judgments, and settlements tied to allegations including discrimination, harassment, retaliation, wrongful termination, and failure to hire or promote. It also describes a broad employee definition, possible third-party coverage, and optional endorsements. THREE lists EPLI in its combined BOP, but the category listing does not show which of those terms apply to a particular quote. Employers should compare the issued-form language rather than assume the same claimant or territory scope. 6 3
Workplace Resources and Package Schedule
Zurich describes workplace-law resources, training, an employment hotline, sample policies, and checklists; its page notes that some portal services may cost extra. THREE’s public materials identify EPLI as a BOP category, so the buyer needs to check the quote and any service access separately. This distinction matters for an employer deciding whether it needs policy protection alone or also wants practical employment resources. 6 3
What to Confirm in Employment Practices Liability Insurance Quotes
THREE by Berkshire Hathaway and Zurich U.S. 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 reviewsZurich U.S. Review Score
Review Score
No reviews found
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsTHREE by Berkshire Hathaway vs Zurich U.S. Employment Practices Liability Compared
THREE by Berkshire Hathaway vs Zurich U.S.: Employment Practices Liability Insurance: documented features by provider
| Criteria | THREE Business Owners Policy | Zurich Employment Practices Liability Insurance |
|---|---|---|
| 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. | Confirm in your quote. |
| 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. | Confirm in your quote. |
| 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. | Confirm in your quote. |
| 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. | Zurich EPLI can address defense costs, judgments and settlements for employment-related allegations including discrimination, harassment, retaliation, wrongful termination and failure to hire/promote. 6Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; employment practices liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| 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. | Zurich identifies a broad employee definition, third-party coverage availability, worldwide territory where legally permissible and optional endorsements. 6Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; employment practices liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| Risk Services | Confirm in your quote. | Zurich EPLI customers can access workplace-law resources, training, an employment hotline, sample policies and checklists; the page says some portal services may cost extra. 6Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; employment practices liability; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| 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. | Confirm in your quote. |
Related Pages for THREE by Berkshire Hathaway vs Zurich U.S.
Employment Practices Liability Pages for THREE by Berkshire Hathaway and Zurich U.S.
Other Coverage Lines Compared for THREE by Berkshire Hathaway vs Zurich U.S.
Other Employment Practices Liability Insurance Provider Comparisons
Sources for THREE by Berkshire Hathaway vs Zurich U.S.
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 Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- Employment Practices Liability Insurance (EPLI) | Zurich U.S. Zurich U.S.; EPLI protection, coverage features, risk services. Accessed 2026-09-28.
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.
