What Does Employment Practices Liability Insurance from THREE by Berkshire Hathaway Cover?

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. ¹Company-reportedCompany-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant.

The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. ²Company-reportedThis 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.

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. ^1,3Not publicly disclosedEligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms.

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. ^1,2Company-reportedOfficial 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.

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. ^1,2Not publicly disclosedNo number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible.

THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. ³Company-reportedThis 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.