What Is RiskCube Insurance?
RiskCube suits startups that want to compare available quotes from multiple insurers and manage certificates and renewals online; businesses needing a direct carrier relationship or confirmed California eligibility should compare alternatives. 1,2,3
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. 5,6
Read the THREE by Berkshire Hathaway profile
Read the THREE by Berkshire Hathaway General Liability Insurance page
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. 8,9,10
Key Differences in General Liability Insurance
Carrier Comparison and Issuer
RiskCube describes itself as a broker that compares carrier options for general liability and discloses that third-party insurers issue the policies; it does not name those carriers publicly. THREE lists general liability inside its combined Business Owners Policy, and its sample declarations identify Berkshire Hathaway Direct Insurance Company. Ask RiskCube which carrier would issue your quote and compare it with the insurer shown in THREE's actual declarations. 4 3 6
Proof of Insurance for Contracts
RiskCube calls general liability the policy behind many certificates required by landlords, venues and vendor contracts, and describes a digital intake with proof of coverage targeted in about 24 hours. THREE offers an online quote and licensed advisor help but the reviewed material does not give a certificate timeline. If a site visit or contract depends on a certificate, ask THREE when it can issue one and whether required wording is available. 4 5
What the Policy Covers
RiskCube describes bodily injury, property damage and advertising injury for startups. THREE lists general liability in its package without comparable public detail on those claims. Compare the actual insuring agreement, limits and exclusions, especially if a landlord or vendor asks for a specific coverage description rather than only a certificate. 4 7
What to Confirm in General Liability Insurance Quotes
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.
RiskCube
Review Score
No reviews found
RiskCube has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge.[10][1][6]
Read RiskCube 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
RiskCube vs THREE by Berkshire Hathaway: General Liability Insurance: documented features by provider
| Criteria | RiskCube General Liability Insurance | THREE Business Owners Policy |
|---|---|---|
| Role in This Line | RiskCube brokers general liability coverage as one of the lines in its startup insurance catalogue, comparing carrier options rather than underwriting the policy itself. 4Company-reported. Catalogue coverage-type list and lead paragraph; RiskCube did not publish a separate general liability landing page as of 2026-09-23. | 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. 7Company-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 | RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including general liability, are underwritten and issued by third-party carriers it does not name. 3Company-reported. Company-wide entity and licensing disclosure; no carrier is identified for general liability specifically. | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. 6Company-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 | RiskCube says general liability is "the policy behind most COIs required by landlords, event venues, and vendor contracts," framing it as the coverage startups typically need first to satisfy those counterparties. 4Company-reported. Catalogue General Liability card; specific landlord, venue or vendor requirements were not independently verified. | 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. 7,5Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms. |
| Coverage Features | RiskCube describes general liability as covering bodily injury, property damage and advertising injury. 4Company-reported. Catalogue General Liability card summary. | 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. 7,6Company-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. |
| Limits and Retentions | RiskCube's catalogue does not publish specific limit or retention amounts for general liability. 4Not publicly disclosed. Catalogue as read on 2026-09-23; a dedicated general liability page was not available to check for a limits table. | 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. 7,6Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible. |
| Risk Services | The reviewed catalogue page does not describe risk-control or other services specific to general liability. 4Not found in reviewed sources. Catalogue as read on 2026-09-23; a dedicated general liability page was not available. | Confirm in your quote. |
| How to Apply | RiskCube describes a roughly 10-minute digital intake followed by its AI agents and licensed brokers comparing top-rated carriers, aiming for vendor-ready proof of coverage in about 24 hours across the coverage types in its catalogue, including general liability. 4Company-reported. Catalogue process section; the timing is a general claim about the catalogue's application flow, not general-liability-specific. | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. 5Company-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. |
| Claims Support | The reviewed catalogue page does not describe claims handling specific to general liability. 4Not found in reviewed sources. Catalogue as read on 2026-09-23; a dedicated general liability page was not available. | Confirm in your quote. |
Full Comparison
More RiskCube vs THREE by Berkshire Hathaway Comparisons
Other General Liability Insurance Comparisons
Sources
RiskCube
- Startup Business Insurance. RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
- Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
- Disclosures & Compensation. RiskCube; Section 1, Entity and Licensing Disclosure: "RiskCube is not an insurance carrier and does not underwrite insurance. Insurance coverage is offered, underwritten, and issued by third-party insurance carriers". Accessed 2026-09-23.
- Startup Insurance Coverage. RiskCube; General Liability card: "GL is the foundation of every startup insurance stack. It covers bodily injury, property damage, and advertising injury — and is the policy behind most COIs required by landlords, event venues, and vendor contracts"; catalogue intro and process steps. Accessed 2026-09-23.
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.
General Liability Insurance Guide
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. 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.
- Commercial General Liability Coverage Form. 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.
