Coverdash vs THREE by Berkshire Hathaway: How Do They Compare for General Liability Insurance?

Coverdash arranges general liability coverage as a broker rather than an insurer. Its terms say it does not provide underwriting services and require customers to designate it as broker or agent of record before it places coverage with a carrier. ^3,4Company-reported. General brokerage terms applied to the general liability product page; not specific to any one carrier or state.

THREE presents General Liability as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. ⁸Company-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 general liability page does not name the insurer that issues the policy. Coverdash's terms say the insurance company, not Coverdash, decides whether to offer or renew coverage. ^4,3Not publicly disclosed. Reviewed general liability page and terms as of 2026-09-23; the checked pages describe a broker-carrier structure without naming a specific carrier for this line.

The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. ⁷Company-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.

Coverdash markets general liability to small businesses, startups and e-commerce merchants across more than 2,500 industries, citing construction, restaurants, real estate agencies and professional services as examples. ⁴Company-reported. Product-page eligibility description; actual acceptance depends on underwriting.

The reviewed product page does not state separate eligibility rules for General Liability; the general quote and advisor route is not proof that a particular business qualifies for it. ^8,6Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms.

Coverdash describes four insuring agreements for general liability: bodily injury to a customer or visitor, property damage to a client's or landlord's property, personal and advertising injury such as a copied-marketing claim, and product liability for products the business sells. ⁴Company-reported. Product-page coverage cards; the issued policy and declarations control actual wording, limits and exclusions.

Coverdash says general liability does not cover damage to the business's own location or property, and points customers toward a business owner's policy for that protection instead. ⁴Company-reported. Product-page exclusion note.

THREE's Business Owners Policy page lists General Liability 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. ^8,7Company-reported. Official THREE package marketing for General Liability. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy.

The general liability page does not publish specific limit, retention or deductible amounts. ⁴Not publicly disclosed. Reviewed general liability page as of 2026-09-23; figures are quote-specific and not shown on the public product page.

The reviewed public product page does not state a separate limit or deductible for General Liability; THREE says the quote-specific insurance summary lists limits and deductibles. ^8,7Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible.

Coverdash describes a fully digital quote-to-purchase process for general liability, with a certificate of insurance issued once a policy is purchased. ⁴Company-reported. Product-page company information and FAQ on proof of coverage.

THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. ⁶Company-reported. This is the route for the overall THREE product. It does not show whether General Liability will be offered for a particular business or whether a customer can bind that line without an issued policy.