StartupInsurance.ai vs THREE by Berkshire Hathaway: How Do They Compare for General Liability Insurance?

StartupInsurance.ai lists general liability among the lines its startup program places. The brokerage is ContractorNerd Insurance Services, LLC, which its own terms describe as an insurance agency/producer that arranges coverage and does not underwrite policies itself. ^2,4Company-reported. Homepage coverage list and ContractorNerd's terms and conditions; describes the brokerage's role generally and names general liability as one of the placed lines, not a specific policy's terms.

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.

StartupInsurance.ai's carrier panel names six insurers (The Hartford, Chubb, Coalition, Tokio Marine HCC, Travelers and CNA), with ratings shown for three of them, but the reviewed pages do not say which panel carrier issues a given company's general liability policy. ²Not publicly disclosed. Homepage carrier panel; the panel is program-wide and not broken out by coverage line, so the specific insurer for a general liability placement is not disclosed and varies by 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.

StartupInsurance.ai frames its "what cleared means" pitch around certificates of insurance naming a customer or landlord as additional insured, primary and non-contributory, with a waiver of subrogation — requirements that typically apply to general liability policies. ²Company-reported. Homepage narrative section aimed at founders who need a certificate to satisfy a landlord or customer contract; does not state formal underwriting eligibility criteria (industry, revenue, headcount) for general liability.

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.

StartupInsurance.ai says that in January 2026 the standard general liability forms industry-wide picked up three new AI-related exclusions, and illustrates its policy-check service with an example flagging exclusion form CG 40 42. ²Company-reported. Homepage "Wording that still says yes" section; describes an industry-wide forms change the brokerage says it checks for, not the terms of any specific StartupInsurance.ai-placed policy.

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.

The reviewed pages do not publish sample general liability limits, sublimits or retentions; StartupInsurance.ai's public marketing pages do not show program-level numbers for this line. ^2,3Not found in reviewed sources. Homepage and quote-intake screen as read on 2026-09-23; limits would only surface on an actual quote.

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.

StartupInsurance.ai offers a free policy check: send in your current policies and a customer contract, and within 48 hours you get a one-page summary of AI exclusions in your program and where your contract asks for something the policy doesn't give. ²Company-reported. Homepage service description; a marketing offer, not a guarantee of findings for any particular general liability policy.

Confirm in your quote.

General Liability (GL) is one of seven coverage boxes on StartupInsurance.ai's online quote-intake screen, described there as covering "bodily injury, property damage, and advertising injury." ³Company-reported. Initial coverage-selection screen of the quote application; does not show what follow-up underwriting questions or documentation the flow requires.

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.