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

Coverdash arranges professional liability (errors and omissions) coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. ^3,4Company-reported. General brokerage terms applied to the professional liability page; not specific to any one carrier or state.

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. 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 professional liability page does not name the insurer that issues the policy. ⁴Not publicly disclosed. Reviewed professional liability page as of 2026-09-23; the page describes coverage without naming a specific carrier.

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 professional liability to any small business, startup or e-commerce seller that gives advice, provides a service or delivers work for clients, citing examples including architects, dentists, doctors and real estate agencies. ⁴Company-reported. Product-page eligibility description; actual acceptance depends on underwriting and profession-specific appetite.

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. ^8,6Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms.

Coverdash describes professional liability as covering claims that a client's financial harm came from the business's negligent advice or service, mistakes made by the business or an employee, or a missed deadline or undelivered work, and pays legal defense costs even for a baseless claim. ⁴Company-reported. Product-page coverage cards; the issued policy and declarations control actual wording, limits, exclusions and whether the policy is claims-made.

Coverdash's coverage hub lists this general professional liability product separately from Tech E&O (for technology companies) and Lawyers Professional Liability, so a technology or legal business would typically be pointed to the more specific product instead. ⁵Company-reported. Coverage hub category structure; does not establish which product a given underwriter would actually issue.

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. ^8,7Company-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 professional liability page does not publish specific limit, retention or deductible amounts. ⁴Not publicly disclosed. Reviewed professional 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 Errors and Omissions; 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 professional liability, with the option to add coverages such as general liability or cyber alongside it. ⁴Company-reported. Product-page company information and cross-sell section.

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