Pie Insurance vs THREE by Berkshire Hathaway: How Do They Compare for Business Insurance?

Pie centers its direct and agent routes on workers’ compensation, with other products supplied through additional insurers; THREE presents workers’ compensation among a broader combined small-business product. Compare whether you need a standalone workers’ compensation policy or a package with other lines.

An Overview of Pie Insurance and THREE by Berkshire Hathaway

What Stands Out About Pie Insurance and THREE by Berkshire Hathaway?

Pie Insurance at a Glance

  • Start a workers’ compensation quote online or through an insurance agent. 2,1,3Company-reportedWorkers’ compensation access for small businesses and agencies; other product pages direct buyers to quote or contact flows but do not document the same process.
  • Pay workers’ compensation premiums based on reported payroll, with no initial deposit. 17,18Company-reportedPie’s current workers’ compensation payment pages; actual availability and policy-specific charges need confirmation in the quote.

THREE by Berkshire Hathaway at a Glance

  • You can start a THREE quote online or by phone with help from licensed Small Business Advisors, and resume an unfinished quote later. 26,28Company-reportedU.S. business insurance quote application. Company-described online and phone process; no customer form was submitted and no binding outcome was tested.
  • Policyholders can report a claim online through My THREE Online or by phone, and THREE assigns an account manager for questions and updates. 30,28Company-reportedCompany-described claims intake and communication process. This does not establish claim outcomes, speed, or quality, and coverage remains subject to the policy.

Pie Insurance vs THREE by Berkshire Hathaway Coverage Lines Compared

CoveragePie InsuranceTHREE by Berkshire Hathaway
Business owner’s policyListed 7Pie accepts business owner’s policy quote requests.Listed 35,27Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Commercial autoNot listedListed 35,27Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Commercial propertyNot listedListed 35,27Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Cyber liabilityListed 8Pie provides access to cyber insurance quotes from carrier partners.Listed 35,27Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Directors and officersNot listedListed 35Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Employment practices liabilityNot listedListed 35Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Equipment breakdownNot listedListed 35,27THREE lists equipment breakdown within the package; its displayed sample excludes machinery, equipment or listed vehicles that stop without an accident. Check the quoted form for the actual protection.
Fiduciary liabilityNot listedListed 35Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
General liabilityListed 10Pie arranges general liability insurance through unaffiliated third-party insurers.Listed 35,27Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Liquor liabilityNot listedListed 35Marketed within THREE’s combined commercial policy if required; the quote and issued form determine availability and protection.
Professional errors and omissions (E&O)Listed 9Pie Insurance arranges professional errors and omissions insurance for small businesses through third-party insurers.Listed 35Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Tools, equipment and inland marineNot listedListed 35Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.
Workers’ compensationListed 3Pie Insurance offers workers’ compensation insurance for small businesses.Listed 35,27Marketed within THREE’s combined commercial policy; the quote and issued form determine the protection.

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.

Pie Insurance and THREE by Berkshire Hathaway Coverage, Line by Line

Open what Pie Insurance and THREE by Berkshire Hathaway each document for one coverage line.

Pie Insurance and THREE by Berkshire Hathaway Reliability Scores

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

Pie Insurance Reliability Scores

Hybrid provider

Broker

5.3/ 10

Carrier & MGA

6.3/ 10

Provider assessment

THREE by Berkshire Hathaway Reliability Scores

Carrier

Carrier & MGA

No Reliability Score

Provider assessment

Pie Insurance and THREE by Berkshire Hathaway 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.

Pie Insurance Review Score

1.7/ 10

Review Score

2 rated sources

Pie’s service record raises clear concerns: elevated regulator complaints reported by NerdWallet, 1.7/5 on Trustpilot and an F from BBB. Investigate billing, cancellation and complaint handling before buying.

Read Pie Insurance reviews

THREE by Berkshire Hathaway Review Score

7.3/ 10

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.

Read THREE by Berkshire Hathaway reviews

Key Differences Between Pie Insurance and THREE

Business Roles and Access to Insurers

Pie Insurance’s documented role shapes who handles underwriting and how you reach a policy.

Pie Insurance Services, Inc. is the producer that sells and administers policies; verify its current license in your state because Pie’s own license page is not regulator confirmation. 5,25Company-reportedProducer identity and Pie-published US license list; Wisconsin’s regulator separately identifies this entity in a 2024 administrative action.

THREE documents its own insurance role and access arrangement.

THREE is the commercial brand and product form used by Berkshire Hathaway Direct Insurance Company (BHDIC), which identifies itself as doing business as THREE and names itself as issuer on the sample THREE policy. THREE’s FAQ describes THREE or THREE Insurance as the product name, not a separate insurer. The state-specific issued policy controls. 26,27,28Company-reportedU.S. THREE commercial-insurance brand and sample policy; current company identity pages checked 2026-09-28. Company-reported legal disclosure; the state-specific issued policy controls the buyer’s contract.

Customer Fit and Application

Compare each provider’s stated customer focus against your business activities and stage; a published target market is not a guarantee of eligibility.

Small businesses looking for workers’ compensation can approach Pie directly or through local, regional and national agencies. 2,3Company-reportedUS small-business workers’ compensation distribution described on Pie’s current About and product pages.

THREE describes its focus as businesses and presents industries it serves. Berkshire Hathaway’s 2025 annual report says BH Direct and GUARD together primarily offer commercial insurance to small and medium-sized businesses; it separately says BH Direct underwrites through the biBERK.com and Threeinsurance.com distribution platforms. Eligibility varies by state and business. 26,32Company-reportedTHREE’s company-described business focus and industry examples, plus the 2025 report’s joint BH Direct-and-GUARD SMB statement. The report does not attribute that customer-size focus to BHDIC alone; actual eligibility varies by state and business.

These entry points show how to start; they do not confirm eligibility or that coverage has been bound. 5 2 3 26 26 35

Small businesses can start a workers’ compensation quote online or through an insurance agent; agencies use a separate partner portal. 2,1,3Company-reportedWorkers’ compensation access for small businesses and agencies; other product pages direct buyers to quote or contact flows but do not document the same process.

THREE directs prospective customers to an online quote flow and says licensed Small Business Advisors can help them start or continue the process; the company’s FAQ also describes a phone quote and says an unfinished quote can be saved and resumed. This documents quote routes, not online purchase or binding by an individual customer. 26,28Company-reportedU.S. business insurance quote application. Company-described online and phone process; no customer form was submitted and no binding outcome was tested.

What Should You Confirm in Pie Insurance and THREE Quotes?

Ask Pie which insurer provides each requested line and whether workers’ compensation is direct or agent-placed. Ask THREE how workers’ compensation is written within your proposal and whether it is available with the other sections. Ask each provider to identify the proposed insurer, exact forms and endorsements, any intermediary or account service contact, and the steps required to bind. Compare premiums only after matching limits, retentions, exclusions, policy periods, taxes and fees.

Pie Insurance vs THREE by Berkshire Hathaway Services Compared

What each provider documents about the services you may need

CriteriaPie InsuranceTHREE by Berkshire Hathaway
Business role

Small businesses can buy Pie’s workers’ compensation directly or through agents; affiliated insurers underwrite workers’ comp, while outside insurers provide some other Pie products. 2,5,3,7,8,9,10Company-reportedCurrent public Pie brand and US small-business insurance services; this describes group roles, not a promise that every product is available to every applicant.

If parent-company ownership matters, Pie Group Holdings, Inc. owns the website and is regulator-listed parent of Pie Casualty; AM Best identifies the insurer group as Pie Insurance Group. 4,24,22VerifiedWebsite ownership and the parent shown for Pie Casualty Insurance Company; no claim about voting control or every intermediate subsidiary.

Pie Insurance Services, Inc. is the producer that sells and administers policies; verify its current license in your state because Pie’s own license page is not regulator confirmation. 5,25Company-reportedProducer identity and Pie-published US license list; Wisconsin’s regulator separately identifies this entity in a 2024 administrative action.

THREE is the commercial brand and product form used by Berkshire Hathaway Direct Insurance Company (BHDIC), which identifies itself as doing business as THREE and names itself as issuer on the sample THREE policy. THREE’s FAQ describes THREE or THREE Insurance as the product name, not a separate insurer. The state-specific issued policy controls. 26,27,28Company-reportedU.S. THREE commercial-insurance brand and sample policy; current company identity pages checked 2026-09-28. Company-reported legal disclosure; the state-specific issued policy controls the buyer’s contract.

Berkshire Hathaway’s published company list identifies Berkshire Hathaway Direct Insurance Company (THREE) and lists Berkshire Hathaway Specialty Insurance (BHSI) and biBERK separately. Its 2025 annual report says BH Direct and GUARD together primarily offer commercial products to small and medium-sized businesses; it separately describes BH Direct’s admitted commercial underwriting and use of the biBERK.com and Threeinsurance.com distribution platforms. The reviewed list and report do not establish the exact direct-versus-indirect ownership chain. 33,32Company-reportedBerkshire Hathaway company list checked 2026-09-28 and 2025 annual-report discussion of BH Direct and GUARD; group relationship and commercial operating scope only, not a precise ownership-chain finding.

Customer focus

Small businesses looking for workers’ compensation can approach Pie directly or through local, regional and national agencies. 2,3Company-reportedUS small-business workers’ compensation distribution described on Pie’s current About and product pages.

THREE describes its focus as businesses and presents industries it serves. Berkshire Hathaway’s 2025 annual report says BH Direct and GUARD together primarily offer commercial insurance to small and medium-sized businesses; it separately says BH Direct underwrites through the biBERK.com and Threeinsurance.com distribution platforms. Eligibility varies by state and business. 26,32Company-reportedTHREE’s company-described business focus and industry examples, plus the 2025 report’s joint BH Direct-and-GUARD SMB statement. The report does not attribute that customer-size focus to BHDIC alone; actual eligibility varies by state and business.

Application process

Small businesses can start a workers’ compensation quote online or through an insurance agent; agencies use a separate partner portal. 2,1,3Company-reportedWorkers’ compensation access for small businesses and agencies; other product pages direct buyers to quote or contact flows but do not document the same process.

Have your ZIP, payroll and class-code details ready for a Pie workers’ compensation quote; its online intake begins with ZIP code. 6,3Company-reportedUnauthenticated first step and Pie’s description of workers’ compensation quote inputs; no data was entered and the flow was not advanced.

Pie advertises a workers’ compensation quote in about three minutes, but this company estimate does not predict underwriting or binding time. 3,1Company-reportedWorkers’ compensation quote marketing; no timed independent quote test was performed.

THREE directs prospective customers to an online quote flow and says licensed Small Business Advisors can help them start or continue the process; the company’s FAQ also describes a phone quote and says an unfinished quote can be saved and resumed. This documents quote routes, not online purchase or binding by an individual customer. 26,28Company-reportedU.S. business insurance quote application. Company-described online and phone process; no customer form was submitted and no binding outcome was tested.

THREE describes a partner-agency channel. Its partner page says the Agency Service Team assists policyholders and agents and that agency partners can use the THREE platform to quote, bind, and issue policies online. This describes the partner channel, not the direct public quote flow. 31Company-reportedTHREE partner agency program and platform capabilities as described by the company; these capabilities apply to partner agencies and do not establish direct-customer self-binding.

Sources

37 documents, numbered as cited.

Updated . 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; it is not a recommendation for a specific policy. Editorial policy. To suggest a correction, email The General Average with the page URL and supporting source.

Comparisons Related to Pie Insurance vs THREE by Berkshire Hathaway

  • Compare AIG’s broader commercial insurer group with Pie’s direct and agency workers’ compensation route.

  • AIG gives brokers and agents a portal for applications and policy tools; THREE offers a public online quote route with advisor support.

  • Pie offers premium audits and pay-as-you-go plans for workers' compensation; Alliance Risk lists the line within a larger commercial catalogue.

All Comparisons

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