---
title: "Corgi vs THREE by Berkshire Hathaway: Liquor Liability Insurance"
description: "Corgi's liquor program targets eligible veterans' and fraternal lodges; THREE lists liquor liability if required in its combined policy."
canonical: "https://spot.insure/compare/corgi-vs-three/liquor-liability"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "corgi-vs-three"
provider-a: "corgi"
provider-b: "three"
coverage-line: "liquor-liability"
---

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/liquor-liability)

## Agent Guide

**What this page is:** Focused comparison of Corgi and THREE by Berkshire Hathaway for Liquor Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Liquor Liability Insurance 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 Liquor Liability Insurance: how do they differ?
- Which is better for Liquor Liability Insurance, Corgi or THREE by Berkshire Hathaway?
- What does Corgi or THREE by Berkshire Hathaway publish about Liquor Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Liquor Liability Insurance from Corgi or THREE by Berkshire Hathaway?

**Key facts:**
- Line: Liquor Liability Insurance. 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
- [Liquor Liability Insurance guide](https://spot.insure/coverage/liquor-liability) — 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 Business Owner’s Policy](https://spot.insure/compare/corgi-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [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 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 Liquor Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/liquor-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/liquor-liability) — sibling comparison (other line, or other pair for this line)
- [Corgi vs Coverdash Liquor Liability Insurance](https://spot.insure/compare/corgi-vs-coverdash/liquor-liability) — sibling comparison (other line, or other pair for this line)
- [Corgi vs Harper Liquor Liability Insurance](https://spot.insure/compare/corgi-vs-harper/liquor-liability) — sibling comparison (other line, or other pair for this line)
- [Coverdash vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/coverdash-vs-three/liquor-liability) — sibling comparison (other line, or other pair for this line)
- [Harper vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/harper-vs-three/liquor-liability) — sibling comparison (other line, or other pair for this line)

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

Corgi's liquor program targets eligible veterans' and fraternal lodges; THREE lists liquor liability if required in its combined policy.

## Research Scope and Use

Use this comparison to evaluate Corgi and THREE by Berkshire Hathaway for Liquor Liability Insurance 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 an occurrence-based lodge program with a default assault-and-battery sublimit and advisor-led underwriting. THREE lists liquor liability as a package category. [6](https://www.corgi.insure/liquor-liability "Liquor Liability Insurance for Clubs & Lodges") [7](https://www.corgi.insure/clubs-and-lodges "Insurance for Clubs & Lodges") [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [9](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - 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 homepage") [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. [8](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [9](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 Liquor Liability Insurance?

Liquor liability can cover claims tied to your business selling, serving or furnishing alcohol. If you run a bar, restaurant or event where you provide drinks, check how the quote treats injuries, property damage and occasional service. [11](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [12](https://assets-prod.nextinsurance.com/resources/gl-policy-specimen "General Liability Policy Specimen including Liquor Liability Coverage") [13](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form")

## Key Differences in Liquor Liability Insurance

### Lodge Program or Broader Package Inquiry

Corgi markets liquor liability only to eligible veterans' and fraternal lodges with licensed on-premises bars; it does not describe general liquor coverage for restaurants or other venues. THREE lists liquor liability “if required” among its combined-policy categories. A lodge can ask Corgi about program eligibility, while other businesses should ask THREE whether its quoted package can include the line for their operation. [6](https://www.corgi.insure/liquor-liability "Liquor Liability Insurance for Clubs & Lodges") [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Declared Premises and Assault-and-Battery Sublimit

Corgi describes an occurrence-based form for third-party bodily injury or property damage connected to selling or serving alcohol, limited to declared premises, with exclusions for off-site events and certain underage service. Its default assault-and-battery sublimit is $25,000 per common cause and $50,000 annual aggregate, with defense costs inside those limits. THREE's cited page does not publish comparable terms. Compare declarations, event scope and defense-cost treatment directly. [6](https://www.corgi.insure/liquor-liability "Liquor Liability Insurance for Clubs & Lodges") [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Issuer and Application Review

Corgi says its policy is non-admitted surplus-lines coverage without state guaranty-fund protection; the issuing insurer is named in the issued policy. It routes buyers to an advisor who reviews the license, alcohol receipts, hours, entertainment, staff practices and loss history. THREE offers online quote and licensed advisor support. Ask both for the issuer and the underwriting information needed before comparing terms. [6](https://www.corgi.insure/liquor-liability "Liquor Liability Insurance for Clubs & Lodges") [8](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

## What to Confirm in Liquor Liability Insurance Quotes

- Confirm whether Corgi's lodge eligibility fits, and ask THREE whether its package can cover the venue and declared premises. [6](https://www.corgi.insure/liquor-liability "Liquor Liability Insurance for Clubs & Lodges") [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")
- Compare per-occurrence and aggregate limits, assault-and-battery sublimits, defense-cost erosion, off-site events and insurer status. [6](https://www.corgi.insure/liquor-liability "Liquor Liability Insurance for Clubs & Lodges") [9](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

## Offering Details

| Criteria | Corgi Liquor Liability Insurance for Clubs & Lodges | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | 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. [10](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 | 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. [6](https://www.corgi.insure/liquor-liability "Liquor Liability Insurance for Clubs & Lodges") (Evidence: Company-reported; scope: Liquor liability page's Surplus Lines Placement section..)<br><br>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. [6](https://www.corgi.insure/liquor-liability "Liquor Liability Insurance for Clubs & Lodges") (Evidence: Not found in reviewed sources; scope: 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. [9](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 | 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](https://www.corgi.insure/liquor-liability "Liquor Liability Insurance for Clubs & Lodges") [7](https://www.corgi.insure/clubs-and-lodges "Insurance for Clubs & Lodges") (Evidence: Company-reported; scope: 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [8](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 | 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. [6](https://www.corgi.insure/liquor-liability "Liquor Liability Insurance for Clubs & Lodges") (Evidence: Company-reported; scope: 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [9](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: 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..) |
| Limits and Retentions | 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. [6](https://www.corgi.insure/liquor-liability "Liquor Liability Insurance for Clubs & Lodges") (Evidence: Company-reported; scope: 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [9](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..) |
| Risk Services | 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](https://www.corgi.insure/liquor-liability "Liquor Liability Insurance for Clubs & Lodges") [7](https://www.corgi.insure/clubs-and-lodges "Insurance for Clubs & Lodges") (Evidence: Not found in reviewed sources; scope: Liquor liability and clubs-and-lodges pages as read on 2026-09-23..) | Confirm in your quote. |
| How to Apply | 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](https://www.corgi.insure/liquor-liability "Liquor Liability Insurance for Clubs & Lodges") [7](https://www.corgi.insure/clubs-and-lodges "Insurance for Clubs & Lodges") (Evidence: Company-reported; scope: 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. [8](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 Liquor Liability 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 Liquor Liability Insurance?](https://spot.insure/coverage/liquor-liability): Liquor liability addresses claims arising from alcohol service; a bar, restaurant or event may need terms beyond its general liability policy.
- [Corgi vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/corgi-vs-three/business-owners-policy)
- [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 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 Liquor Liability Insurance](https://spot.insure/compare/alliance-risk-vs-corgi/liquor-liability)
- [Alliance Risk vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/liquor-liability)
- [Corgi vs Coverdash Liquor Liability Insurance](https://spot.insure/compare/corgi-vs-coverdash/liquor-liability)
- [Corgi vs Harper Liquor Liability Insurance](https://spot.insure/compare/corgi-vs-harper/liquor-liability)
- [Coverdash vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/coverdash-vs-three/liquor-liability)
- [Harper vs THREE by Berkshire Hathaway Liquor Liability Insurance](https://spot.insure/compare/harper-vs-three/liquor-liability)

## 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 homepage](https://www.corgi.insure). Corgi Insurance Services, Inc.; Product packages: Cyber and Directors & Officers; Growth Stage and Custom Package; Self-Serve (apply, get quoted in minutes, bind same-day) and Book a Demo paths; Explore Our Main Policies: Commercial General Liability, Crime Insurance, Fiduciary Liability, Hired and Non-Owned Auto (HNOA), Worker’s Compensation; Specialized coverages: Employment Practices Liability (EPLI), K&R (Kidnap & Ransom), Representations and Warranties; Commercial Umbrella Liability; Business Owners Policy (BOP); Coverage sales cards: Media Liability, Medical Malpractice, Miscellaneous E&O; Core Operations: Tech E&O Insurance; Tech & AI Liability product module; Transportation menu: Auto Liability, Contractual Liability Insurance - Cargo; FAQ on cost, claims, and binding; footer entity, program-administrator and issuing-carrier notices. Accessed 2026-09-16.
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.
6. [Liquor Liability Insurance for Clubs & Lodges](https://www.corgi.insure/liquor-liability). Corgi Insurance; What's Actually Inside Your Liquor Liability Policy (form CES-2-LIQ-001); Surplus Lines Placement notice; Scenario notes; Policy notes; Available Endorsements; Glossary; FAQ. Accessed 2026-09-23.
7. [Insurance for Clubs & Lodges](https://www.corgi.insure/clubs-and-lodges). Corgi Insurance; Made for Lodge Operations; Focused on Alcohol-Service Claims; Underwritten Around the Premises; FAQ on eligibility, off-premises events and underwriting information reviewed. Accessed 2026-09-23.

### THREE by Berkshire Hathaway

8. [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.
9. [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.
10. [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.

### Liquor Liability Insurance Guide

11. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
12. [General Liability Policy Specimen including Liquor Liability Coverage](https://assets-prod.nextinsurance.com/resources/gl-policy-specimen). NEXT Insurance; ISO wording; PDF pp.94–99 liquor form; p.100 BYOA endorsement; p.101 premises limitation. Accessed 2026-09-16.
13. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. 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/liquor-liability.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)