THREE by Berkshire Hathaway Workers' Compensation Insurance

THREE by Berkshire Hathaway launched in 2019 as a small-business insurance brand of Berkshire Hathaway Direct Insurance Company, the same underwriting entity behind the biBERK brand, though THREE is marketed and structured as a distinct product. Rather than issuing workers' compensation as a standalone policy, THREE bundles workers' compensation together with general liability, property, and commercial auto coverage into a single combined policy for qualifying small businesses, aiming to reduce the number of separate policies, renewal dates, and points of contact a small-business owner has to manage.

Berkshire Hathaway Direct Insurance Company is included among the affiliates of National Indemnity Company that AM Best affirmed with a Financial Strength Rating of A++ (Superior) and a Long-Term Issuer Credit Rating of aaa (Exceptional) on April 16, 2026, with a stable outlook, among the highest ratings AM Best assigns to any insurer.

THREE is positioned as a simplified, jargon-reduced buying experience for small businesses that want multiple coverage lines combined rather than purchased separately from different carriers. Because THREE issues one combined policy rather than a standalone workers' comp policy, it is best suited to businesses whose general liability, property, and auto needs also fit within THREE's underwriting criteria. Our agency can include THREE's bundled workers' compensation option in a side-by-side comparison alongside standalone carrier options so an employer can weigh a bundled versus an unbundled approach. Employers who already carry other coverage lines with a different insurer should confirm how switching to a bundled product like THREE would affect those existing policies before making a change.