--- title: "Kinro vs THREE by Berkshire Hathaway: General Liability Insurance" description: "Kinro brokers across carriers and reviews jobsite exposures; THREE lists general liability within a combined small-business policy." canonical: "https://spot.insure/compare/kinro-vs-three/general-liability" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "kinro-vs-three" provider-a: "kinro" provider-b: "three" coverage-line: "general-liability" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/kinro-vs-three/general-liability) ## Agent Guide **What this page is:** Focused comparison of Kinro 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 Kinro 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:** - Kinro vs THREE by Berkshire Hathaway for General Liability Insurance: how do they differ? - Which is better for General Liability Insurance, Kinro or THREE by Berkshire Hathaway? - What does Kinro 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 Kinro or THREE by Berkshire Hathaway? **Key facts:** - Line: General Liability Insurance. Providers: Kinro 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:** - [Kinro vs THREE by Berkshire Hathaway](https://spot.insure/compare/kinro-vs-three) — parent: all coverage lines for this pair - [General Liability Insurance guide](https://spot.insure/coverage/general-liability) — coverage explainer for this line - [Kinro profile](https://spot.insure/insurance-providers/kinro) — provider profile (evidence) - [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence) - [Kinro vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/kinro-vs-three/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Kinro vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/kinro-vs-three/commercial-auto) — sibling comparison (other line, or other pair for this line) - [Kinro vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/kinro-vs-three/commercial-property) — sibling comparison (other line, or other pair for this line) - [Kinro vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/kinro-vs-three/inland-marine) — sibling comparison (other line, or other pair for this line) - [Kinro vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/kinro-vs-three/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Kinro vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/kinro-vs-three/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Kinro General Liability Insurance](https://spot.insure/compare/aig-vs-kinro/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 Kinro General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-kinro/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 Kinro General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-kinro/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) # Kinro vs THREE by Berkshire Hathaway: How Do They Compare for General Liability Insurance? Kinro brokers across carriers and reviews jobsite exposures; THREE lists general liability within a combined small-business policy. ## Research Scope and Use Use this comparison to evaluate Kinro 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 Kinro describes occurrence-related bodily injury, property, completed-operations and advertising claims, with applications based on locations, subcontractors and losses. THREE uses an online package quote. [4](https://kinro.com/products/general-liability "General Liability") [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") ## What Is Kinro Insurance? Kinro fits U.S. small businesses that want a free review of an existing policy or renewal packet and agent help comparing quotes online. Its pages don't name the insurer behind a given quote, so ask which markets Kinro approached before you switch. [1](https://kinro.com/ "Kinro Business Insurance") [2](https://kinro.com/policy-review "Free Review Of Your Insurance Policy") [3](https://kinro.com/partners/carriers "For Carriers And MGAs") [Kinro profile](https://spot.insure/insurance-providers/kinro) ## 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. [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [6](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. [8](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form") ## Key Differences in General Liability Insurance ### Carrier Matching and Package Structure Kinro says it matches a business to a general-liability carrier based on each carrier's appetite and does not underwrite the policy. THREE lists the line as part of its combined Business Owners Policy. A buyer with unusual operations can ask Kinro which markets fit, while checking whether THREE's package quote includes the same operations and a separately stated liability limit. [4](https://kinro.com/products/general-liability "General Liability") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ### Contractor and Completed-Work Exposure Kinro describes general liability as typically addressing third-party bodily injury, property damage, completed operations and certain personal or advertising injury claims. It names contractors, cleaning firms, retailers and restaurants as common buyers, often when a landlord or customer requests a certificate. THREE's reviewed record lists general liability but gives no matching completed-work examples. Contractors should compare completed-operations terms and contract certificates in both proposals. [4](https://kinro.com/products/general-liability "General Liability") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ### Information Needed for Placement Kinro says its quote intake covers business activity, revenue, locations and states, subcontractors, jobsites and prior losses, and it may review GL with BOP, workers' compensation and umbrella coverage. THREE provides an online quote and licensed advisor help. Prepare the same exposure details for both so the resulting classifications and limits can be compared. [4](https://kinro.com/products/general-liability "General Liability") [5](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") ## What to Confirm in General Liability Insurance Quotes - Ask Kinro which carrier and occurrence or completed-operations wording apply; ask THREE to provide its form, limits and certificate terms. [4](https://kinro.com/products/general-liability "General Liability") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") - Confirm how each quote treats subcontractors, jobsite injuries, employee injuries and professional-service mistakes. [4](https://kinro.com/products/general-liability "General Liability") [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") ## Offering Details | Criteria | Kinro General Liability | THREE Business Owners Policy | | --- | --- | --- | | Role in This Line | Kinro is a broker: it matches a business to a general liability carrier rather than underwriting the policy itself, saying the product "can underwrite differently" by operation and that market fit depends on carrier appetite. [4](https://kinro.com/products/general-liability "General Liability") (Evidence: Company-reported; scope: General Liability page "Routing" and "Market fit" sections..) | 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. [7](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 | Confirm in your quote. | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [6](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 | Kinro says general liability commonly fits contractors, cleaning companies, retail stores and restaurants, and typically comes up when a landlord, general contractor, customer or marketplace asks for a certificate of insurance, or a contract requires it before work starts. [4](https://kinro.com/products/general-liability "General Liability") (Evidence: Company-reported; scope: General Liability page "Common fit" and "Triggers" sections..) | 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. [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [5](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 | Kinro describes general liability as usually the first liability policy a small business buys, typically responding to third-party bodily injury, property damage, completed-operations claims and certain personal or advertising injury claims, and distinguishes it from workers' compensation (employee injuries) and professional liability/E&O (service mistakes). [4](https://kinro.com/products/general-liability "General Liability") (Evidence: Company-reported; scope: General Liability page introduction, "Coverage" and "Coverage comparison" sections; actual terms depend on the carrier and policy placed..) | 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. [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](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 | The reviewed page does not publish general liability limits, deductibles or premiums; it lists required limits and additional-insured wording as inputs carriers need to quote, not published amounts. [4](https://kinro.com/products/general-liability "General Liability") (Evidence: Not found in reviewed sources; scope: General Liability page "Quote file" section as read on 2026-09-23..) | 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. [7](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [6](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 | To quote general liability, Kinro collects business activity, revenue, locations and states, subcontractor and jobsite exposure, and prior losses, and often reviews it together with BOP, workers' compensation and umbrella coverage. [4](https://kinro.com/products/general-liability "General Liability") (Evidence: Company-reported; scope: General Liability page "Quote file" and "Reviewed with" sections..) | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. [5](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 - [Kinro vs THREE by Berkshire Hathaway](https://spot.insure/compare/kinro-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. - [Kinro vs THREE by Berkshire Hathaway Business Owner’s Policy](https://spot.insure/compare/kinro-vs-three/business-owners-policy) - [Kinro vs THREE by Berkshire Hathaway Commercial Auto Insurance](https://spot.insure/compare/kinro-vs-three/commercial-auto) - [Kinro vs THREE by Berkshire Hathaway Commercial Property Insurance](https://spot.insure/compare/kinro-vs-three/commercial-property) - [Kinro vs THREE by Berkshire Hathaway Inland Marine Insurance](https://spot.insure/compare/kinro-vs-three/inland-marine) - [Kinro vs THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://spot.insure/compare/kinro-vs-three/professional-errors-omissions) - [Kinro vs THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://spot.insure/compare/kinro-vs-three/workers-compensation) - [AIG vs Kinro General Liability Insurance](https://spot.insure/compare/aig-vs-kinro/general-liability) - [AIG vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/aig-vs-three/general-liability) - [Alliance Risk vs Kinro General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-kinro/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 Kinro General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-kinro/general-liability) - [Amelia Risk vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-three/general-liability) ## Sources ### Kinro 1. [Kinro Business Insurance](https://kinro.com/). Kinro; Hero; Clear guidance before you buy; industry groups; carrier-logo strip; Insurance expertise; FAQs on follow-up, purchase obligation and AI; footer. Accessed 2026-09-15. 2. [Free Review Of Your Insurance Policy](https://kinro.com/policy-review). Kinro; Introductory price/coverage claim and step 1 of 2 upload panel; accepted documents and file limits. Accessed 2026-09-15. 3. [For Carriers And MGAs](https://kinro.com/partners/carriers). Kinro; Product access; API integration; approvals paragraph after Dormant lead recovery. Accessed 2026-09-15. 4. [General Liability](https://kinro.com/products/general-liability). Kinro; Common fit; Product file; Coverage — What it usually handles; Triggers — When it comes up; Quote file — Inputs carriers usually need; Coverage comparison; Routing — Match the product to the operation; Market fit. Accessed 2026-09-23. ### THREE by Berkshire Hathaway 5. [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. 6. [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. 7. [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 8. [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. 9. [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. 10. [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. ## Kinro Reviews Review Score: not enough ratings. We found no independent customer reviews of Kinro. It shows a 5.0 Google rating on its own website, but there is no review count or listing behind it. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/kinro/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/kinro-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)