Alliance Risk vs THREE by Berkshire Hathaway: How Do They Compare for General Liability Insurance?

Alliance Risk arranges general liability (also called commercial general liability, or CGL) coverage as a broker rather than issuing the policy itself. ⁴Company-reported. General liability product page; the page describes the coverage generically and does not name Alliance Risk's specific placement process for this line.

THREE presents General Liability as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. ⁷Company-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.

The reviewed general liability page does not name the insurer that would issue a policy for a given buyer. ⁴Not publicly disclosed. General liability product page as read on 2026-09-23.

The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. ⁶Company-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 general liability at businesses that operate a physical location open to the public, interact with clients or customers face-to-face, work on client property, advertise, or sell products or services, naming contractors and construction, retail and e-commerce, hospitality and food service, consulting, and manufacturing and distribution as common buyers. ⁴Company-reported. General liability product page; eligibility for a particular company depends on underwriting.

The reviewed product page does not state separate eligibility rules for General Liability; the general quote and advisor route is not proof that a particular business qualifies for it. ^7,5Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms.

Alliance Risk lists bodily injury, property damage, and personal and advertising injury (libel, slander, copyright infringement, false advertising) as typically covered, and says employee injuries, professional errors, auto accidents, intentional acts, and damage to the policyholder's own property are excluded and belong to other lines such as workers' compensation, professional liability, commercial auto, or commercial property. ⁴Company-reported. General liability product page; coverage and exclusions described in general terms, subject to the policy as issued.

THREE's Business Owners Policy page lists General 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. ^7,6Company-reported. Official THREE package marketing for General Liability. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy.

The reviewed general liability page gives cost ranges (for example, small businesses around $500 annually up to larger enterprises near $25,000 a month) but does not publish specific coverage limits, retentions or deductible amounts for general liability. ⁴Not found in reviewed sources. General liability product page as read on 2026-09-23; cost figures are illustrative premium estimates, not published limits.

The reviewed public product page does not state a separate limit or deductible for General Liability; THREE says the quote-specific insurance summary lists limits and deductibles. ^7,6Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible.

The reviewed general liability page does not describe a dedicated risk-control service, specialist team or claims-advocacy offering for this line beyond generic risk-management tips such as maintaining a safe work environment and using clear client contracts. ⁴Not found in reviewed sources. General liability product page as read on 2026-09-23.

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The general liability page's only application route is a generic 'Get a quote' request; it does not list the specific submission information Alliance Risk asks for on this line, unlike its D&O, EPLI and fiduciary product pages. ⁴Not found in reviewed sources. General liability product page as read on 2026-09-23.

THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. ⁵Company-reported. This is the route for the overall THREE product. It does not show whether General Liability will be offered for a particular business or whether a customer can bind that line without an issued policy.

The reviewed general liability page does not describe an Alliance Risk claims-handling or claims-advocacy process for this line. ⁴Not found in reviewed sources. General liability product page as read on 2026-09-23.

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