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

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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. ¹⁰Company-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.

Corgi says liquor liability coverage is issued on a non-admitted surplus lines basis and is not protected by a state insurance guaranty fund. The page does not name the specific issuing insurer; that appears in the issued policy. ⁶Company-reported. Liquor liability page's Surplus Lines Placement section.

The liquor liability form is numbered CES-2-LIQ-001, a different prefix from the CORG-numbered forms Corgi uses for its startup lines (for example CORG-CGL-0100). The reviewed pages do not explain what "CES" refers to or confirm whether this program shares an underwriting entity with Corgi's other products. ⁶Not found in reviewed sources. Liquor liability page as read on 2026-09-23; form-number comparison against the CGL product page.

The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. ⁹Company-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.

Corgi markets liquor liability as a program limited to eligible veterans' and fraternal lodges operating licensed on-premises bars, not general liquor liability for bars, restaurants or other venues. ^6,7Company-reported. Liquor liability product page and clubs-and-lodges page, both current as of 2026-09-23. Eligibility for a specific lodge is subject to underwriting.

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. ^10,8Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms.

The occurrence-based program form may respond to third-party bodily injury or property damage claims tied to selling, serving or furnishing alcohol, including allegations of intoxication and liability under an applicable dram-shop or liquor-control law, but it applies only to the declared premises and excludes off-premises events, cannabis and THC beverages, and knowing service to an underage patron by an insured who knew, unless separately endorsed. ⁶Company-reported. Liquor liability coverage table, scenario notes and policy notes; illustrative summary subject to the issued declarations and endorsements.

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. ^10,9Company-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.

Corgi's liquor liability form defaults to a $25,000 assault-and-battery sublimit per common cause and $50,000 in the annual aggregate, with defense costs inside the limits; the per-occurrence and policy-aggregate liquor liability limits themselves are shown only as "see declarations" on the page, not published. ⁶Company-reported. Liquor liability coverage table; default sublimits may be modified by endorsement.

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. ^10,9Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible.

The reviewed liquor liability pages do not describe standalone risk-control or staff-training services beyond referencing loss history and staff practices as underwriting factors. ^6,7Not found in reviewed sources. Liquor liability and clubs-and-lodges pages as read on 2026-09-23.

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Corgi routes liquor liability prospects to "Talk to an advisor" rather than its instant-quote flow used for CGL, Cyber and other startup lines, and says underwriting reviews the liquor license, alcohol receipts, hours of service, entertainment, staff practices and loss history. ^6,7Company-reported. Liquor liability page call to action and clubs-and-lodges underwriting FAQ.

THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. ⁸Company-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.