Carrier comparison
biBERK vs. THREE by Berkshire Hathaway for Workers' Comp
biBERK and THREE by Berkshire Hathaway are two workers' compensation carriers we can quote side by side through Provident Financial Group, an independent agency. On one application we present every carrier we can access, ranked, so you can compare and purchase online.
biBERK and THREE by Berkshire Hathaway take different approaches to workers' compensation for small businesses. The details below come directly from each carrier's record on this site — we present the facts we have verified so you can compare them directly, then request quotes through our agency. We do not rank one carrier above another; we show every option side by side.
When you submit one application through US Workers Comp Insure, we request quotes from every carrier we can access for your class code and state, including both biBERK and THREE by Berkshire Hathaway where each carrier's appetite and underwriting criteria allow it. A carrier that declines is shown honestly rather than hidden, and a licensed agent at Provident Financial Group can explain why and what alternatives remain.
The two carriers
biBERK
biBERK is the direct-to-consumer online insurance brand of Berkshire Hathaway Direct Insurance Company, founded in 2015 and based in Omaha, Nebraska. Its underwriting entity is included in the A++ (Superior) AM Best rating held by National Indemnity Company and its affiliates.
- AM Best rating:
- A++ (Superior) (as of 2026-04)
- How it’s quoted:
- Through our agency, alongside other carriers
Workers’ comp highlights
- Underwriting entity included in National Indemnity Company's AM Best A++ (Superior) rating, affirmed April 16, 2026
- Founded 2015 as a direct-to-consumer online brand
- Backed by Berkshire Hathaway Direct Insurance Company; based in Omaha, Nebraska
- Built around a simple, self-service online application
- Separate operation from agent-distributed Berkshire Hathaway carriers such as GUARD
Typical fit
- Small businesses comfortable with a fully online, self-service application
- Employers who want a Berkshire Hathaway-backed carrier with a top-tier financial strength rating
- Simpler, lower-complexity accounts across common small-business class codes
- Businesses prioritizing balance-sheet strength when comparing carrier options
THREE by Berkshire Hathaway
THREE by Berkshire Hathaway is a small-business insurance brand launched in 2019 that bundles workers' compensation with general liability, property, and commercial auto in a single policy. Its underwriting entity is included in the A++ (Superior) AM Best rating held by National Indemnity Company and its affiliates.
- AM Best rating:
- A++ (Superior) (as of 2026-04)
- How it’s quoted:
- Through our agency, alongside other carriers
Workers’ comp highlights
- Underwriting entity included in National Indemnity Company's AM Best A++ (Superior) rating, affirmed April 16, 2026
- Launched 2019 as a Berkshire Hathaway small-business brand
- Bundles workers' compensation with general liability, property, and commercial auto in one policy
- Underwritten by Berkshire Hathaway Direct Insurance Company, dba THREE
- Positioned around a simplified, combined-policy buying experience for small business
Typical fit
- Small businesses that want workers' comp bundled with other core coverage lines
- Employers seeking to simplify multiple policies into one combined product
- Accounts that qualify for THREE's small-business bundling criteria
- Businesses prioritizing a top-tier financial strength rating in a bundled product
Compare up to 10 carriers in minutes.
One application goes out to every carrier we can access for your class of business. You get a ranked comparison you can review and purchase online — with a licensed agent available whenever you want one.
Mon–Fri, 8:00am–6:00pm ET · Independent agency licensed in 23 states
Side by side
| Attribute | biBERK | THREE by Berkshire Hathaway |
|---|---|---|
| Carrier | biBERK | THREE by Berkshire Hathaway |
| AM Best financial strength rating | A++ (Superior) (as of 2026-04) | A++ (Superior) (as of 2026-04) |
| How it's quoted | Through our agency, alongside other carriers | Through our agency, alongside other carriers |
| Typical account fit | Small businesses comfortable with a fully online, self-service application; Employers who want a Berkshire Hathaway-backed carrier with a top-tier financial strength rating; Simpler, lower-complexity accounts across common small-business class codes | Small businesses that want workers' comp bundled with other core coverage lines; Employers seeking to simplify multiple policies into one combined product; Accounts that qualify for THREE's small-business bundling criteria |
| Overview | biBERK is the direct-to-consumer online insurance brand of Berkshire Hathaway Direct Insurance Company, founded in 2015 and based in Omaha, Nebraska. Its underwriting entity is included in the A++ (Superior) AM Best rating held by National Indemnity Company and its affiliates. | THREE by Berkshire Hathaway is a small-business insurance brand launched in 2019 that bundles workers' compensation with general liability, property, and commercial auto in a single policy. Its underwriting entity is included in the A++ (Superior) AM Best rating held by National Indemnity Company and its affiliates. |
How each is quoted through our agency
biBERK
Quoted through our agency alongside other carriers; we present every option side by side so you can compare and purchase online.
THREE by Berkshire Hathaway
Quoted through our agency alongside other carriers; we present every option side by side so you can compare and purchase online.
The bottom line
There is no single "best" carrier between biBERK and THREE by Berkshire Hathaway. The right fit depends on your operation, class codes, payroll and how each carrier's underwriting appetite lines up with your account — and that is exactly what one application, sent to every carrier we can access, is built to show you.
Rather than choosing one carrier up front, US Workers Comp Insure requests quotes from every carrier we can access for your state and class code, including biBERK and THREE by Berkshire Hathaway where each carrier's criteria allow it, and presents them ranked side by side. A carrier that declines is shown honestly rather than hidden, and a licensed agent at Provident Financial Group can explain why and what alternatives remain.
Frequently asked questions
Are biBERK and THREE by Berkshire Hathaway both available through your agency?
Yes. Both are carriers we can present side by side when you request workers' compensation quotes through our agency, alongside the other carriers we can access for your state and class code.
How do biBERK and THREE by Berkshire Hathaway compare on AM Best rating?
biBERK carries an AM Best financial strength rating of A++ (Superior) (as of 2026-04), and THREE by Berkshire Hathaway carries A++ (Superior) (as of 2026-04). Ratings are for identification only and do not imply an endorsement.
Which should I choose, biBERK or THREE by Berkshire Hathaway?
There is no single best answer. The right carrier depends on your operation, class codes, payroll and how each carrier's underwriting appetite fits your account. Rather than picking one up front, we request quotes from every carrier we can access and show you a ranked comparison so you can decide.
Do I have to choose only one carrier to get a quote?
No. You submit one application and we request quotes from every carrier we can access for your account — including biBERK and THREE by Berkshire Hathaway where each carrier's criteria allow it — then present them ranked side by side.
What is biBERK's AM Best rating?
biBERK's underwriting entity, Berkshire Hathaway Direct Insurance Company, is included among the National Indemnity Company affiliates that AM Best rated A++ (Superior) with an aaa (Exceptional) Long-Term Issuer Credit Rating, affirmed April 16, 2026.
When was biBERK founded?
biBERK was founded in 2015 and is based in Omaha, Nebraska.
Is THREE a standalone workers' comp policy?
No. THREE bundles workers' compensation together with general liability, property, and commercial auto coverage into a single combined policy rather than issuing it standalone.
What is THREE's AM Best rating?
THREE's underwriting entity, Berkshire Hathaway Direct Insurance Company, is included among the National Indemnity Company affiliates rated A++ (Superior) with an aaa (Exceptional) Long-Term Issuer Credit Rating, affirmed April 16, 2026.
Sources
- biberk.com — https://www.biberk.com/about-biberk
- markets.financialcontent.com — https://markets.financialcontent.com/stocks/article/bizwire-2026-4-16-am-best-affirms-credit-ratings-of-national-indemnity-company-and-its-affiliates?Language=english%2F1000
- threeinsurance.com — https://threeinsurance.com/workers-compensation
- threeinsurance.com — https://threeinsurance.com/brand
Last reviewed · Reviewed by Provident Financial Group licensed agents
Carrier names are used for identification only; we are not affiliated with, endorsed by, or sponsored by any carrier. Quotes are not offers of insurance; coverage and pricing are determined by each carrier’s underwriting.
US Workers Comp Insure is a brand of Provident Financial Group, a licensed independent insurance agency. NJ resident license; licensed in 23 states — NJ, NY, CT, VT, OH, MI, VA, PA, DE, MD, NC, SC, GA, FL, TX, KY, KS, CA, IN, AZ, DC, MA and NV. State license numbers available on request. We are an independent agency, not an insurer; coverage is underwritten by the issuing carrier and is subject to that policy's terms, conditions, limits and exclusions. Quotes are not offers of insurance, and no coverage is bound until confirmed in writing by a licensed agent. Carrier names are used for identification only; we are not affiliated with, endorsed by, or sponsored by any carrier named on this site.
View this comparison at https://usworkerscompinsure.com/compare/biberk-vs-three-workers-comp
Compare up to 10 carriers in minutes.
One application goes out to every carrier we can access for your class of business. You get a ranked comparison you can review and purchase online — with a licensed agent available whenever you want one.
Mon–Fri, 8:00am–6:00pm ET · Independent agency licensed in 23 states