---
title: "Founder Shield vs THREE by Berkshire Hathaway: General Liability Insurance"
description: "Founder Shield places general liability through third-party carriers and an advisor-led process; THREE lists the line in a combined business policy."
canonical: "https://spot.insure/compare/foundershield-vs-three/general-liability"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "foundershield-vs-three"
provider-a: "foundershield"
provider-b: "three"
coverage-line: "general-liability"
---

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[Human-readable page](https://spot.insure/compare/foundershield-vs-three/general-liability)

## Agent Guide

**What this page is:** Focused comparison of Founder Shield and THREE by Berkshire Hathaway for General 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 General Liability Insurance questions about Founder Shield 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:**
- Founder Shield vs THREE by Berkshire Hathaway for General Liability Insurance: how do they differ?
- Which is better for General Liability Insurance, Founder Shield or THREE by Berkshire Hathaway?
- What does Founder Shield or THREE by Berkshire Hathaway publish about General Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for General Liability Insurance from Founder Shield or THREE by Berkshire Hathaway?

**Key facts:**
- Line: General Liability Insurance. Providers: Founder Shield 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:**
- [Founder Shield vs THREE by Berkshire Hathaway](https://spot.insure/compare/foundershield-vs-three) — parent: all coverage lines for this pair
- [General Liability Insurance guide](https://spot.insure/coverage/general-liability) — coverage explainer for this line
- [Founder Shield profile](https://spot.insure/insurance-providers/foundershield) — provider profile (evidence)
- [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence)
- [Founder Shield vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/foundershield-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line)
- [Founder Shield vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/foundershield-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Founder Shield vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/foundershield-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Founder Shield General Liability Insurance](https://spot.insure/compare/aig-vs-foundershield/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/aig-vs-three/general-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Founder Shield General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-foundershield/general-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/general-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Founder Shield General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-foundershield/general-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-three/general-liability) — sibling comparison (other line, or other pair for this line)

# Founder Shield vs THREE by Berkshire Hathaway: How Do They Compare for General Liability Insurance?

Founder Shield places general liability through third-party carriers and an advisor-led process; THREE lists the line in a combined business policy.

## Research Scope and Use

Use this comparison to evaluate Founder Shield and THREE by Berkshire Hathaway for General 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

Founder Shield describes third-party injury, property and advertising claims and places policies with carriers rated A- or better. THREE lists general liability within its Business Owners Policy. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [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 Founder Shield Insurance?

Founder Shield is a broker for venture-backed startups: you apply online in under 15 minutes, and an advisor shops its 200+ carrier markets to build a program that changes as your products and locations change. It doesn't insure you itself, so ask which insurer carries each policy. [1](https://foundershield.com/ "Founder Shield") [2](https://foundershield.com/startup-insurance/ "Startup Insurance") [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [4](https://foundershield.com/insurance-faqs/general-faqs/what-if-our-company-grows-a-lot-or-things-change-during-the-year/ "What If Our Company Grows A Lot or Things Change During the Year?") [5](https://foundershield.com/terms-of-service/ "Terms of Service")

[Founder Shield profile](https://spot.insure/insurance-providers/foundershield)

## 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 General Liability Insurance?

General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. [11](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [12](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [13](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form")

## Key Differences in General Liability Insurance

### Brokerage Placement and Issuing Carrier

Founder Shield says it is a retail brokerage and places its general-liability policy with third-party carriers, selecting carriers rated A- or better by AM Best; the actual issuer depends on the placement. THREE lists liability inside its combined Business Owners Policy, and its sample declarations identify Berkshire Hathaway Direct Insurance Company as issuer. Check the actual declarations from both routes to compare the insurer named on your policy. [7](https://foundershield.com/about-us/ "About Us") [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [9](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

### Customer-Facing Business and Coverage

Founder Shield describes general liability for physical or customer-facing businesses, including retail, technology startups, home businesses and property renters. It lists third-party bodily injury, property damage, personal or advertising injury and legal defense costs, while directing employee injuries, professional errors and own-property damage to other lines. THREE names general liability in its combined offering but its reviewed record does not specify equivalent claim categories. Match the policy wording to the business's location, services and products. [6](https://foundershield.com/coverage/general-liability-insurance/ "General Liability Insurance") [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Advisor-Led Application

Founder Shield says buyers request coverage through its website or an advisor, after which its placement team approaches carriers; the public description does not offer direct binding. THREE provides an online quote route and licensed Small Business Advisor assistance. Ask Founder Shield which insurers it will approach and THREE how the proposal becomes bound coverage. [7](https://foundershield.com/about-us/ "About Us") [8](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

## What to Confirm in General Liability Insurance Quotes

- Request the proposed carrier, AM Best rating, liability limits and exclusions from Founder Shield; get the named insurer and policy form from THREE. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") [9](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")
- Compare employee injury, professional-services and own-property boundaries and confirm how defense expenses affect limits. [6](https://foundershield.com/coverage/general-liability-insurance/ "General Liability Insurance") [10](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

## Offering Details

| Criteria | Founder Shield General Liability Insurance | THREE Business Owners Policy |
| --- | --- | --- |
| Role in This Line | Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield General Liability Insurance with third-party carriers rather than underwriting the policy itself. [7](https://foundershield.com/about-us/ "About Us") (Evidence: Company-reported; scope: About-us page; applies to Founder Shield's brokerage model generally, restated here for this line..) | 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. [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 | Founder Shield says it places policies, including Founder Shield General Liability Insurance, only with carriers rated A- or better by AM Best, chosen for the client's industry. It does not name the issuing insurer for this line; that depends on which carrier the policy is placed with. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") (Evidence: Company-reported; scope: General carrier-selection FAQ, not specific to this line's placements..) | 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 | Founder Shield says general liability suits most businesses with a physical or customer-facing presence, including retail stores, tech startups, home-based businesses and property renters. [6](https://foundershield.com/coverage/general-liability-insurance/ "General Liability Insurance") (Evidence: Company-reported; scope: General Liability product page..) | 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. [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 | Founder Shield lists third-party bodily injury, property damage, personal and advertising injury (libel, slander, copyright infringement, invasion of privacy), and legal defense costs as what the policy covers. [6](https://foundershield.com/coverage/general-liability-insurance/ "General Liability Insurance") (Evidence: Company-reported; scope: Product page; the issued policy and declarations control actual coverage..)<br><br>Founder Shield notes general liability excludes employee injuries (covered by workers' compensation), professional errors (covered by E&O), and damage to the policyholder's own property (covered by commercial property insurance). [6](https://foundershield.com/coverage/general-liability-insurance/ "General Liability Insurance") (Evidence: Company-reported; scope: General Liability product page..) | 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. [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 General 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 | Confirm in your quote. | 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. [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..) |
| How to Apply | You request Founder Shield General Liability Insurance through Founder Shield's website or an insurance advisor rather than binding coverage directly; Founder Shield says its placement team then approaches carriers on the client's behalf. [7](https://foundershield.com/about-us/ "About Us") [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") (Evidence: Company-reported; scope: About-us and carrier-selection pages describe the general placement process, not a line-specific application form..) | 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 General Liability will be offered for a particular business or whether a customer can bind that line without an issued policy..) |

## Full Comparison

- [Founder Shield vs THREE by Berkshire Hathaway](https://spot.insure/compare/foundershield-vs-three): all coverage lines, business roles, service and claims.
- [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability can protect your business from covered injury and property-damage claims; your building, tools and stock need separate property coverage.
- [Founder Shield vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/foundershield-vs-three/commercial-property)
- [Founder Shield vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/foundershield-vs-three/professional-errors-omissions)
- [Founder Shield vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/foundershield-vs-three/workers-compensation)
- [AIG vs Founder Shield General Liability Insurance](https://spot.insure/compare/aig-vs-foundershield/general-liability)
- [AIG vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/aig-vs-three/general-liability)
- [Alliance Risk vs Founder Shield General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-foundershield/general-liability)
- [Alliance Risk vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/general-liability)
- [Amelia Risk vs Founder Shield General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-foundershield/general-liability)
- [Amelia Risk vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-three/general-liability)

## Sources

### Founder Shield

1. [Founder Shield](https://foundershield.com/). Founder Shield; Opening broker description; Specialized Practices; Smart Tech, Smarter People; quote and sign-in links. Accessed 2026-09-15.
2. [Startup Insurance](https://foundershield.com/startup-insurance/). Founder Shield; What Coverage Does your Startup Need?; Why Startups Choose Founder Shield; Industries We Serve; Essential Policies to Consider section. Accessed 2026-09-15.
3. [How Do You Decide Which Carriers to Approach?](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/). Founder Shield; FAQ answer on carrier selection: works exclusively with A-rated (AM Best) carriers, matched by industry appetite. Accessed 2026-09-23.
4. [What If Our Company Grows A Lot or Things Change During the Year?](https://foundershield.com/insurance-faqs/general-faqs/what-if-our-company-grows-a-lot-or-things-change-during-the-year/). Founder Shield; Carl Niedbala answer, November 25, 2024: operational changes and coverage adjustments. Accessed 2026-09-15.
5. [Terms of Service](https://foundershield.com/terms-of-service/). Founder Shield; Opening agreement; License Status; Representations and Disclaimers Related to Products or Services; Fees and Charges; Void Where Prohibited. Accessed 2026-09-15.
6. [General Liability Insurance](https://foundershield.com/coverage/general-liability-insurance/). Founder Shield; What Is General Liability Insurance?; Who Needs General Liability Insurance Coverage?; What Does General Liability Insurance Cover?. Accessed 2026-09-23.
7. [About Us](https://foundershield.com/about-us/). Founder Shield; “Founder Shield is the innovation arm of The Baldwin Group”; company history and mission. 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.

### General 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. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated?. 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.

## Founder Shield Reviews

Review Score: 7.4 / 10 from 1 rated source, equally weighted.

Founder Shield has too little independent customer feedback for a reliable verdict. One positive Trustpilot review does not establish a service track record.

- Trustpilot: TrustScore 3.7 (5 stars); 1 reviews. Trustpilot profile for foundershield.com; one US customer review, categorized as insurance broker/business insurance. Period: Review 2023-03-14; none in prior 12 months. Checked 2026-09-25. [foundershield.com Reviews | Trustpilot](https://www.trustpilot.com/review/foundershield.com)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/foundershield/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/foundershield-vs-three/general-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)