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. 2,1,3Workers’ 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. 17,18Pie’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. 26,28U.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-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
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.
Business Owner’s Policy
Cyber Insurance
General Liability Insurance
Professional Liability (E&O) Insurance
Workers’ Compensation Insurance
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
THREE by Berkshire Hathaway Reliability Scores
No Reliability Score
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
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 reviewsTHREE by Berkshire Hathaway 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 reviewsKey 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. 5,25Producer 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. 26,27,28U.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. 2,3US 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. 26,32THREE’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. 2,1,3Workers’ 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. 26,28U.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
37 documents, numbered as cited. Open the sources
Sources for Pie Insurance vs THREE by Berkshire Hathaway
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.
