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

For liquor liability, Harper says it takes one application to every carrier that can write the risk and shows the business all the quotes that come back, instead of sending the account to a single carrier. ³Company-reported. Product-page description of the 'Harper Concierge' process for this line.

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. ⁶Company-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 liquor liability page names no specific insurer for this line; it shows a general partner-insurer logo strip shared across Harper's site rather than carriers tied to liquor liability placements. ³Not publicly disclosed. Liquor liability product page as read on 2026-09-23.

The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. ⁵Company-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.

Harper organizes its liquor liability practice around food-and-beverage segments: full-service restaurants with a bar program, general/casual restaurants serving beer or wine, quick-serve and fast-casual concepts, fast-food franchises, and nightclubs and bars, which it calls its highest-risk segment. ³Company-reported. Segment breakdown on the liquor liability page; each segment links to a different Harper application.

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. ^6,4Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms.

Harper says the liquor liability coverage it places is sized to the alcohol license type, from limited beer-and-wine liquor liability up to high-limit liquor liability and assault-and-battery coverage for nightclubs, usually packaged with general liability, property and other lines relevant to the segment. ³Company-reported. Segment-specific coverage lists on the product page; actual policy wording and package composition depend on the insurer and underwriting.

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. ^6,5Company-reported. 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.

The reviewed page describes 'high-limit' liquor liability for nightclubs and bars but does not publish specific limit or retention amounts for any segment. ³Not publicly disclosed. Liquor liability product page as read on 2026-09-23.

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. ^6,5Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible.

Harper states that 98.78% of its customers renew with it and that more than 6,000 businesses use Harper, figures the company attributes to itself without citing an independent audit. ³Company-reported. Company-reported statistic on the liquor liability page; not independently verified and not broken out by line.

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Harper routes liquor liability applicants into a segment-specific application (for example, a restaurant/bar application with a liquor supplement, or a nightclub application with an assault-and-battery supplement) after a specialist-led conversation about the business. ³Company-reported. Application flow described on the liquor liability page.

THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. ⁴Company-reported. 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.