Alliance Risk vs THREE by Berkshire Hathaway: How Do They Compare for Business Owner’s Policy?

Alliance Risk arranges BOP placements as a brokerage; the BOP page describes the bundled package it places rather than an Alliance-issued policy, and does not name an issuing insurer. ^4,5Company-reported. BOP product page and the general brokerage disclosure on the coverage catalogue page.

THREE presents its Business Owners Policy as a combined product containing multiple business coverage categories. ⁸Company-reported. Company-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant.

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The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. ⁷Company-reported. This 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.

Alliance Risk targets its BOP at small and mid-sized businesses that operate from a physical location with customer foot traffic, listing retail and boutiques, offices and consultants, restaurants and food service, artisan contractors, and healthcare and wellness providers as common buyers. ⁴Company-reported. BOP product page, Who Needs Business Owners Policy? section.

The reviewed product page does not state separate eligibility rules for Business Owners Policy; the general quote and advisor route is not proof that a particular business qualifies for it. ^8,6Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms.

Alliance Risk's BOP bundles general liability, commercial property and business interruption coverage, with optional endorsements for cyber liability, equipment breakdown, hired and non-owned auto liability, and employment practices liability (EPLI). ⁴Company-reported. BOP product page; actual endorsement availability depends on the carrier and underwriting.

Alliance Risk's BOP page says the bundled package excludes professional liability claims, workers' compensation, commercial auto coverage, and flood or earthquake damage, each of which needs a separate policy. ⁴Company-reported. BOP product page, What Doesn't Business Owners Policy Cover? section.

THREE labels its combined product a Business Owners Policy and describes multiple business coverages in one policy. The reviewed product page does not establish the exact protections included in a particular quote or issued contract. ^8,7Company-reported. Company's description of the U.S. packaged product; a product name is not a policy entitlement. The buyer's state-specific quote, declarations, and forms control.

Alliance Risk's BOP page gives typical annual premium ranges ($500-$1,200 for small businesses, $1,200-$2,500 for medium businesses, $100-$500 per added endorsement) but does not publish standard liability or property limits, deductibles or sublimits. ⁴Not publicly disclosed. BOP product page as read on 2026-09-23.

The reviewed public product page does not state a separate limit or deductible for Business Owners Policy; THREE says the quote-specific insurance summary lists limits and deductibles. ^8,7Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible.

You request a BOP quote through Alliance Risk's online quote form or by scheduling a consultation with a risk advisor; the page does not describe specific underwriting information required for a BOP submission. ⁴Company-reported. BOP product page quote call to action.

THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. ⁶Company-reported. This is the route for the overall THREE product. It does not show whether Business Owners Policy will be offered for a particular business or whether a customer can bind that line without an issued policy.