Alliance Risk vs THREE by Berkshire Hathaway: How Do They Compare for Professional Liability (E&O) Insurance?

Alliance Risk places professional liability (errors and omissions, or E&O) coverage as a broker, saying it backs placements with risk-specific underwriting input and carrier partnerships rather than underwriting the policy itself. ⁴Company-reported. Professional liability product page.

THREE presents Errors and Omissions 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 professional liability page does not name the insurer that would issue a policy; it refers generally to 'strong carrier partnerships' without identifying a specific carrier. ⁴Not publicly disclosed. Professional 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 professional liability at consultants and advisory firms, accountants and tax professionals, architects and engineers, real estate and insurance agents and brokers, marketing and PR agencies, IT and technology consultants, healthcare providers, and financial planners and investment advisors. ⁴Company-reported. Professional liability product page; eligibility for a particular company depends on underwriting.

The reviewed product page does not state separate eligibility rules for Errors and Omissions; 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 negligent acts or omissions, breach of contract, misrepresentation, and missed deadlines as typically covered, and says bodily injury or property damage, intentional wrongdoing or fraud, employment disputes, cyber incidents, and prior known claims are excluded and belong to other lines such as general liability, EPLI or cyber liability. ⁴Company-reported. Professional liability product page; coverage and exclusions described in general terms, subject to the policy as issued.

THREE's Business Owners Policy page lists Errors & Omissions 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 Errors and Omissions. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy.

The reviewed professional liability page gives cost ranges by firm size (for example, solo practitioners at $500-$3,000 a year up to mid-sized to large firms at $10,000-$50,000-plus) but does not publish specific coverage limits, retentions or deductible amounts for this line. ⁴Not found in reviewed sources. Professional 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 Errors and Omissions; 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 describes its approach to professional liability as including industry-specific risk reviews, claims-trend analysis, customized policy language, review of client contracts to limit personal exposure, and expertise structuring claims-made policies including tail coverage, prior acts and retroactive dates. ⁴Company-reported. Professional liability product page, Our Approach to Professional Liability and The Alliance Risk Difference sections.

Confirm in your quote.

The professional 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. Professional 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 Errors and Omissions will be offered for a particular business or whether a customer can bind that line without an issued policy.

Alliance Risk says professional liability clients get access to a legal network and claims experts who understand the client's industry, providing a defense strategy if a claim arises. ⁴Company-reported. Professional liability product page, The Alliance Risk Difference section.

Confirm in your quote.