--- title: "Corgi vs THREE by Berkshire Hathaway: Business Owner’s Policy" description: "Corgi publishes a 1–14 day BOP turnaround and a general liability and property bundle, while THREE directs buyers to an online quote and advisor." canonical: "https://spot.insure/compare/corgi-vs-three/business-owners-policy" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "corgi-vs-three" provider-a: "corgi" provider-b: "three" coverage-line: "business-owners-policy" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/corgi-vs-three/business-owners-policy) ## Agent Guide **What this page is:** Focused comparison of Corgi and THREE by Berkshire Hathaway for Business Owner’s Policy: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Business Owner’s Policy questions about Corgi versus THREE by Berkshire Hathaway. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Corgi vs THREE by Berkshire Hathaway for Business Owner’s Policy: how do they differ? - Which is better for Business Owner’s Policy, Corgi or THREE by Berkshire Hathaway? - What does Corgi or THREE by Berkshire Hathaway publish about Business Owner’s Policy (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Business Owner’s Policy from Corgi or THREE by Berkshire Hathaway? **Key facts:** - Line: Business Owner’s Policy. Providers: Corgi and THREE by Berkshire Hathaway. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Corgi vs THREE by Berkshire Hathaway](https://spot.insure/compare/corgi-vs-three) — parent: all coverage lines for this pair - [Business Owner’s Policy guide](https://spot.insure/coverage/business-owners-policy) — coverage explainer for this line - [Corgi profile](https://spot.insure/insurance-providers/corgi) — provider profile (evidence) - [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence) - [Corgi vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Corgi vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/corgi-vs-three/cyber) — sibling comparison (other line, or other pair for this line) - [Corgi vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/corgi-vs-three/general-liability) — sibling comparison (other line, or other pair for this line) - [Corgi vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/corgi-vs-three/liquor-liability) — sibling comparison (other line, or other pair for this line) - [Corgi vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Corgi vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Corgi Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-corgi/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Corgi Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-corgi/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Chubb vs Corgi Business Owner’s Policy](https://spot.insure/compare/chubb-vs-corgi/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Chubb vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/chubb-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line) # Corgi vs THREE by Berkshire Hathaway: How Do They Compare for Business Owner’s Policy? Corgi publishes a 1–14 day BOP turnaround and a general liability and property bundle, while THREE directs buyers to an online quote and advisor. ## Research Scope and Use Use this comparison to evaluate Corgi and THREE by Berkshire Hathaway for Business Owner’s Policy against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Corgi describes its BOP as combining general liability and commercial property, with a stated 1–14 day turnaround. THREE markets a combined BOP and offers an online quote with licensed advisor help. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [6](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") ## What Is Corgi Insurance? Corgi suits technology startups wanting packages organized from pre-seed through growth, with dashboard changes as the business grows; firms seeking only a direct single-carrier policy should compare alternatives. Issuers vary by product and state. [1](https://www.corgi.insure/disclaimers "Disclaimers & Licensing") [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [3](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html "Corgi Insurance Launches Admitted Insurance Carrier") [4](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf "NAIC Listing of Companies") [5](https://content.naic.org/insurance-topics/risk-retention-groups "Insurance Topics: Risk Retention Groups") [Corgi profile](https://spot.insure/insurance-providers/corgi) ## THREE small business insurance: coverage, issuer and buying routes THREE markets a packaged commercial insurance product through a direct quote route and partner agents. Berkshire Hathaway Direct Insurance Company is named as issuer on THREE’s sample policy. [6](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [7](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) ## What Is a Business Owner’s Policy? A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. [9](https://content.naic.org/consumer/small-business.htm "Small Business") [10](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy "Business Interruption and Business Owner Policy") ## Key Differences in Business Owner’s Policy ### Quote timing Corgi labels its BOP turnaround as 1–14 days and distinguishes it from the same-day instant-quote products on its site. THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help, but its reviewed record does not state a BOP turnaround. If you have a lease or contract deadline, Corgi’s published window offers a planning range; ask THREE for its expected timing before relying on either path. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [6](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") ### Coverage detail in the published descriptions Corgi names general liability and commercial property as the two components of its BOP. THREE describes a combined BOP with multiple coverage categories but does not enumerate them in the reviewed description. That means you can use Corgi’s stated components as a comparison checklist, then ask THREE to identify whether both appear in your proposal and what limits and exclusions apply. Product descriptions alone do not settle the final policy wording. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ## What to Confirm in Business Owner’s Policy Quotes - Ask Corgi whether the 1–14 day estimate is for quote delivery, binding, or both. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") - Ask THREE for a BOP timeline and whether an advisor is involved before binding. [6](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") - Have both providers itemize general liability and property limits and identify exclusions in the offered form. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ## Offering Details | Criteria | Corgi Business Owners Policy (BOP) | THREE Business Owners Policy | | --- | --- | --- | | Role in This Line | Corgi lists a Business Owners Policy among its main policies, but groups it with the slower, non-instant-quote products rather than the modules that get an on-page instant quote. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: Homepage coverage catalog as read on 2026-09-23. No dedicated BOP product page was found on corgi.insure or its sitemap..) | THREE presents its Business Owners Policy as a combined product containing multiple business coverage categories. [8](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Company-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant..) | | Issuing Insurer | The reviewed homepage listing does not name an issuing insurer, policy form number or underwriting entity for the Business Owners Policy. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Not publicly disclosed; scope: Homepage catalog card as read on 2026-09-23; no dedicated BOP page exists to check for a form number or underwriter disclosure..) | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [7](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: 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..) | | Who It’s For | Confirm in your quote. | 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms..) | | Coverage Features | Corgi describes its BOP as combining general liability and commercial property coverage into a single policy, designed for small and growing businesses. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: One-line homepage product description; no policy form, limits, exclusions or endorsement list is published for this line..) | 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [7](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: 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..) | | Limits and Retentions | No limits, deductibles or retentions are published for the Business Owners Policy in the reviewed sources. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Not found in reviewed sources; scope: Homepage catalog card only; Corgi publishes illustrative limits for several other lines (e.g. D&O, EPLI, Crime) on their own product pages, but no equivalent page exists for BOP..) | 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [7](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible..) | | How to Apply | Corgi tags the BOP card with a 1-14 days turnaround, distinct from the same-day instant-quote path it advertises for CGL, Cyber, Tech & AI, D&O, EPLI, Fiduciary, Media and HNOA. [2](https://www.corgi.insure "Corgi Insurance: Startup Insurance, Quoted in Minutes") (Evidence: Company-reported; scope: Homepage badge language only; the reviewed sources do not describe the actual BOP application steps or underwriting requirements..) | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. [6](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: 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..) | ## Full Comparison - [Corgi vs THREE by Berkshire Hathaway](https://spot.insure/compare/corgi-vs-three): all coverage lines, business roles, service and claims. - [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy): A business owners policy combines property, liability and lost-income protection for eligible small businesses, while auto, workers’ compensation and professional liability may need separate coverage. - [Corgi vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/corgi-vs-three/commercial-auto) - [Corgi vs THREE by Berkshire Hathaway Cyber Insurance](https://spot.insure/compare/corgi-vs-three/cyber) - [Corgi vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/corgi-vs-three/general-liability) - [Corgi vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/corgi-vs-three/liquor-liability) - [Corgi vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/corgi-vs-three/professional-errors-omissions) - [Corgi vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/corgi-vs-three/workers-compensation) - [Alliance Risk vs Corgi Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-corgi/business-owners-policy) - [Alliance Risk vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-three/business-owners-policy) - [Amelia Risk vs Corgi Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-corgi/business-owners-policy) - [Amelia Risk vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-three/business-owners-policy) - [Chubb vs Corgi Business Owner’s Policy](https://spot.insure/compare/chubb-vs-corgi/business-owners-policy) - [Chubb vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/chubb-vs-three/business-owners-policy) ## Sources ### Corgi 1. [Disclaimers & Licensing](https://www.corgi.insure/disclaimers). Corgi Insurance Services, Inc.; Carrier Financial Strength (including “federally chartered” and “federal prudential oversight” wording); About Corgi; Licensing; Premium and Payment Disclosures (producer commissions, fees, or other consideration, amounts available on request); Binding Authority and Policy Issuance; page last updated 04/05/26. Accessed 2026-09-15. 2. [Corgi Insurance: Startup Insurance, Quoted in Minutes](https://www.corgi.insure). Corgi Insurance; Explore Our Main Policies: Business Owners Policy (BOP) card, listed with an 1-14 days turnaround badge rather than the Instant quote badge used for CGL, Cyber, Tech & AI, D&O, EPLI, Fiduciary, Media and HNOA. Accessed 2026-09-23. 3. [Corgi Insurance Launches Admitted Insurance Carrier](https://www.prnewswire.com/news-releases/corgi-insurance-launches-admitted-insurance-carrier-302860246.html). PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15. 4. [NAIC Listing of Companies](https://content.naic.org/sites/default/files/publication-loc-zu-listing-companies-summary.pdf). National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15. 5. [Insurance Topics: Risk Retention Groups](https://content.naic.org/insurance-topics/risk-retention-groups). National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15. ### THREE by Berkshire Hathaway 6. [Jargon-free small business insurance - THREE by Berkshire Hathaway](https://threeinsurance.com/). Berkshire Hathaway Direct Insurance Company, dba THREE; Lines 23, 39, 70–81 and 406–410: business location quote entry, single-policy description, issuer, business focus, online quote and licensed Small Business Advisor route. Quote entry inspected without submitting a form.. Accessed 2026-09-30. 7. [The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway](https://threeinsurance.com/the-policy). Berkshire Hathaway Direct Insurance Company, dba THREE; State-selectable sample policy: Summary (Declarations) identifies Berkshire Hathaway Direct Insurance Company as issuer and says the insurance summary lists limits and deductibles; sample policy text and state selection do not establish terms for a particular quote or issued policy.. Accessed 2026-09-30. 8. [Business Owners Policy - THREE by Berkshire Hathaway](https://threeinsurance.com/business-owners-policy). Berkshire Hathaway Direct Insurance Company, dba THREE; Product page: “No need for multiple policies” and one comprehensive policy; Business Liability, Property and Business Auto categories and the listed line names. Product page footer identifies Berkshire Hathaway Direct Insurance Company, dba THREE.. Accessed 2026-09-30. ### Business Owner’s Policy Guide 9. [Small Business](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; FAQ: What’s a business owners policy?; What’s general liability insurance. Accessed 2026-09-16. 10. [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy). National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Corgi Reviews Review Score: not enough ratings. The reviewed sources did not yield customer reviews; the inspected Trustpilot profiles showed none. Its Trustpilot page exists but shows no reviews or rating. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/corgi/reviews). ## THREE by Berkshire Hathaway Reviews Review Score: 7.3 / 10 from 2 rated sources, equally weighted. The inspected sources report separate measures: NerdWallet’s 4.0/5 editorial rating is excluded from the source-rating average; Trustpilot displayed 2.5/5 from five user posts and BBB displayed 4.8/5 from 265 reviews. Trustpilot and BBB include different purchase, service and agent/intermediary interactions, not a verified common policyholder cohort. BBB separately lists complaints. Any source-rating average weights eligible platforms equally and is not a pooled, representative customer-experience estimate or a claims-quality measure. - NerdWallet: NerdWallet editorial rating 4.0 (5 stars). NerdWallet editorial evaluation of THREE commercial insurance; updated May 11, 2026. Its methodology score is an editorial rating, not an average of consumer reviews or a claims study. Period: Updated 2026-05-11. Checked 2026-09-29. [Three Insurance review | NerdWallet](https://www.nerdwallet.com/business/insurance/learn/three-insurance) - Trustpilot: TrustScore 2.5 (5 stars); 5 reviews. Trustpilot page for threeinsurance.com checked 2026-09-29. Five user-posted reviews, one in prior 12 months; small self-selected population, review provenance not independently verified. Period: Displayed 2026-09-29. Checked 2026-09-29. [THREE Reviews | Trustpilot](https://uk.trustpilot.com/review/threeinsurance.com) - BBB: BBB customer review average 4.8 (5 stars); 265 reviews. BBB profile for THREE by Berkshire Hathaway, customer-review and complaints pages directly rechecked 2026-09-29. The customer-review population includes sales-agent/intermediary interactions and customer purchase/service reports; it is not a verified uniform policyholder or claims-outcome cohort. Average and complaints are distinct populations. BBB says third-party information may not be verified and complaint text may be incomplete. Period: Displayed 2026-09-29. Checked 2026-09-29. [THREE by Berkshire Hathaway customer reviews | BBB](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/customer-reviews?page=1); [THREE by Berkshire Hathaway complaints | BBB](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/complaints) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/three/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/corgi-vs-three/business-owners-policy.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)