Gallagher vs 
THREE by Berkshire Hathaway: How Do They Compare for Business Owner’s Policy?
What Is Gallagher?
Gallagher’s technology specialists serve startups through global enterprises, while its executive-risk team supports IPO and M&A needs; small firms seeking one simple digital quote should compare online agencies. 1,2,3,4,5
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. 8,9
Read the THREE by Berkshire Hathaway profile
Read the THREE by Berkshire Hathaway Business Owner’s Policy page
What Is a Business Owner’s Policy?
A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. 11,12
Key Differences in Business Owner’s Policy
What Gallagher names in its BOP
Gallagher describes general liability for bodily injury, third-party property damage, personal and advertising injury, medical expenses, and defense costs, paired with business property for rented space and equipment. It also lists exclusions including damage to a business’s own equipment and rented property, employee injuries, malpractice, and failure to protect sensitive information. THREE markets a combined BOP but does not enumerate comparable protections or exclusions in the reviewed page, so request the forms and schedules from both before assuming the packages respond alike. 6 10
Quote access and placement
Gallagher arranges the BOP through partner carriers and lets small businesses start with an online form, an advisor phone line, or a callback request. THREE directs buyers to an online quote and says licensed Small Business Advisors can help; its sample declarations name Berkshire Hathaway Direct Insurance Company, subject to confirmation on the issued policy. The practical choice is whether you want Gallagher’s several advisor entry points or THREE’s direct quote flow, while still confirming who issues and services the final policy. 6 6 8 9
What to Confirm in Business Owner’s Policy Quotes
- Ask Gallagher which partner carrier is proposed and how its listed exclusions apply to your leased space and equipment. 6 6
- Ask THREE to identify included property and liability protections and the issuer on your declarations. 10 9
- Compare quote timing and advisor availability through each provider’s actual process. 6 8
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Gallagher
Review Score
3 rated sources
Gallagher has strong Trustpilot feedback and a favorable historical large-commercial survey result. Neither directly measures today’s US small-business service.[2][4][6]
Read Gallagher reviewsTHREE by Berkshire Hathaway
Review Score
2 rated sources
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.[4][3][1][2]
Read THREE by Berkshire Hathaway reviewsOffering Details
Gallagher vs THREE by Berkshire Hathaway: Business Owner’s Policy: documented features by provider
| Criteria | Gallagher Small Business Owner’s Policy | THREE Business Owners Policy |
|---|---|---|
| Role in This Line | Gallagher Small Business arranges a business owner's policy as a bundled package rather than underwriting it directly; the policy is placed with one of its partner carriers. 6Company-reported. Gallagher Small Business's direct-to-small-business BOP product page. | THREE presents its Business Owners Policy as a combined product containing multiple business coverage categories. 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. |
| Issuing Insurer | The BOP product page does not name the insurer that would issue a given business's policy. 6Not publicly disclosed. Checked the BOP product page on 2026-09-23; no carrier is named there for this specific product. | 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. |
| Who It’s For | Gallagher says almost every small business that owns or rents its workspace, holds customer data, employs staff, or owns equipment such as computers and furniture is a candidate for a BOP. 6Company-reported. Product page "Do you need a BOP?" criteria; actual acceptance depends on underwriting. | The reviewed product page does not state separate eligibility rules for Business Owners Policy; 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. |
| Coverage Features | Gallagher describes the BOP as bundling general liability (bodily injury, third-party property damage, personal and advertising injury, third-party medical expenses, defense costs) with business property coverage for a rented space and the equipment inside it. 6Company-reported. Product page coverage overview; the issued policy and its exclusions control. Gallagher lists damage to a business's own equipment and rented property, employee on-the-job injuries, malpractice, employee discrimination or fraud, intentional injury, and failure to protect sensitive information as not covered by the BOP. 6Company-reported. Product page "What's NOT covered?" list; exclusions can vary by the carrier and form actually issued. | THREE labels its combined product a Business Owners Policy and describes multiple business coverages in one policy. The reviewed product page does not establish the exact protections included in a particular quote or issued contract. 10,9Company-reported. Company's description of the U.S. packaged product; a product name is not a policy entitlement. The buyer's state-specific quote, declarations, and forms control. |
| Limits and Retentions | The BOP product page does not publish limits, deductibles or premium ranges; it directs prospective buyers to request a quote instead. 6Not publicly disclosed. Checked the BOP product page on 2026-09-23. | The reviewed public product page does not state a separate limit or deductible for Business Owners Policy; 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. |
| How to Apply | Gallagher offers three ways to start a BOP: an online quote form, a phone line for a small business advisor (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), or a scheduled callback request. 6Company-reported. Product page "Get Covered Now" section. | 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 Business Owners Policy will be offered for a particular business or whether a customer can bind that line without an issued policy. |
Full Comparison
More Gallagher vs THREE by Berkshire Hathaway Comparisons
Other Business Owner’s Policy Comparisons
Sources
Gallagher
- Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
- Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
- Executive and Financial Risk Insurance. Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
- Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
- Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
- Business Owners Policy. Gallagher Small Business; Coverage Overview; What's covered under the bundle; What's NOT covered?; Do you need a BOP?; Get Covered Now. Accessed 2026-09-23.
- Connect With an Advisor. Gallagher Small Business; Form fields from company name through annual revenue; acknowledgment. Accessed 2026-09-16.
THREE by Berkshire Hathaway
- Jargon-free small business insurance - THREE by Berkshire Hathaway. 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.
- The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway. 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.
- Business Owners Policy - THREE by Berkshire Hathaway. 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.
Business Owner’s Policy Guide
- Small Business. National Association of Insurance Commissioners; FAQ: What’s a business owners policy?; What’s general liability insurance. Accessed 2026-09-16.
- Business Interruption and Business Owner Policy. National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.
