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

TechInsurance arranges general liability insurance for small businesses and describes it as often the first policy small business owners buy. ⁴Company-reported. General liability product page.

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.

The reviewed page does not name the issuing insurer for a general liability policy; TechInsurance describes returning quotes from multiple carriers rather than naming one upfront. ⁴Not publicly disclosed. General liability product page as read on 2026-09-23.

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.

TechInsurance targets general liability at small businesses that interact with the public, including those that let customers into a store or office, visit clients' homes or businesses, handle client property, sell products, or advertise online. ⁴Company-reported. General liability product page.

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.

TechInsurance says general liability insurance covers third-party bodily injury, property damage, copyright infringement, defamation (libel or slander), and often includes product liability coverage or the option to add it by endorsement. ⁴Company-reported. General liability product page; general policy description, not a specific policy form.

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.

TechInsurance says nearly 90% of its customers choose a general liability policy with a $1 million per-occurrence limit and a $2 million aggregate limit, and that its customers pay a median of $45 per month for the coverage. ⁴Company-reported. General liability product page; a company-reported median and common-limit figure from TechInsurance's own book of business, not a published rate 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.

You request general liability quotes online through a short application; TechInsurance says licensed agents in all 50 states are available to help pick a policy, and a certificate of insurance is typically available the same day you buy coverage. ⁴Company-reported. General liability product page application and certificate sections.

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.