Newfront vs THREE by Berkshire Hathaway: How Do They Compare for General Liability Insurance?

Newfront's casualty practice brokers general liability coverage. It negotiates placement and program structure with carriers rather than underwriting the risk itself. ⁵Company-reported. Casualty offering page; general liability is one of several coverages the casualty practice places.

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. 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 reviewed casualty page does not name the insurer or insurers that would issue a general liability policy placed through Newfront. ⁵Not publicly disclosed. Casualty page as read on 2026-09-23; carrier depends on the specific placement.

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.

Newfront says its casualty practice has "the expertise to protect companies of every size and scope," without a stated minimum size or industry restriction for general liability specifically. ⁵Company-reported. Casualty page intro paragraph; general framing, not a stated eligibility rule.

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

Newfront lists General Liability among the Key Coverages of its casualty program, alongside product liability, auto liability, workers' compensation, umbrella/excess liability, and environmental and pollution liability. ⁵Company-reported. Casualty page Key Coverages list; no description of general-liability-specific limits, endorsements or exclusions.

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. ^8,7Company-reported. 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.

Newfront's casualty page says it can structure guaranteed-cost, large-deductible, self-insurance and captive programs, but does not publish specific limits, deductibles or retentions for general liability. ⁵Company-reported. Placement Expertise section; program-structure options described in general terms for casualty overall.

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. ^8,7Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible.

Newfront says its casualty practice provides claims advocacy and integrated risk control resources to help clients mitigate risk exposures and reduce claim frequency and costs, alongside predictive analytics and benchmarking. ⁵Company-reported. Claims Advocacy & Risk Control and Predictive analytics and benchmarking sections; described casualty-wide, not general-liability-specific.

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You start a general liability placement by requesting a consultation through Newfront's casualty page. ⁵Company-reported. Casualty page call-to-action; no online quoting or binding described.

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 General Liability will be offered for a particular business or whether a customer can bind that line without an issued policy.

Newfront says its casualty claims advocacy team manages claims through resolution, which would include a general liability claim. ⁵Company-reported. The Newfront Difference section; casualty-wide description, not a general-liability-specific claims workflow.

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