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

Alliance Risk says it places liquor liability coverage for bars, nightclubs, taverns, restaurants and lounges in all 50 states, including accounts it says most standard carriers decline. ⁴Company-reported. Dedicated liquor liability product page, opening placement description.

Alliance Risk describes itself as an independent brokerage that specializes in complex placements for high-risk hospitality businesses, working with specialty carriers and surplus-lines markets it says most retail brokerages don't access. ⁴Company-reported. Dedicated liquor liability product page.

THREE presents Liquor 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 liquor liability page describes working with "specialty carriers and surplus lines markets" without naming any specific insurer that Alliance Risk places this coverage with. ⁴Not publicly disclosed. Checked the full dedicated product page as read on 2026-09-23; no carrier is identified by name for this line.

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 says it places liquor liability coverage in all 50 states, including jurisdictions with the strictest dram shop statutes such as New York, New Jersey and Illinois, where it says claims frequency and severity are highest. ⁴Company-reported. Dedicated liquor liability product page, dram shop section.

The reviewed product page does not state separate eligibility rules for Liquor 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's page explains that liquor liability is sold separately from general liability because standard CGL policies exclude alcohol-related claims for businesses that sell or serve alcohol, and that liquor liability policies commonly exclude assault-and-battery claims unless a separate endorsement is added. ⁴Company-reported. Dedicated liquor liability product page, coverage and exclusions sections; the issued policy controls actual terms.

THREE's Business Owners Policy page lists Liquor Liability (if required) 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 Liquor Liability. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy.

Confirm in your quote.

The reviewed public product page does not state a separate limit or deductible for Liquor 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.

Alliance Risk says it accesses surplus-lines markets and specialty hospitality carriers to keep placing liquor liability coverage in hard-market conditions, walks clients through the policy, and helps address the assault-and-battery coverage gap common to this line. ⁴Company-reported. Dedicated liquor liability product page, closing sections on market conditions and policy evaluation.

Confirm in your quote.

Alliance Risk's liquor liability page directs prospective clients to book a customized risk assessment with one of its insurance risk advisors or request a quote online. ⁴Company-reported. Dedicated liquor liability product page calls to action.

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 Liquor Liability will be offered for a particular business or whether a customer can bind that line without an issued policy.