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

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. ³Company-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.

Vouch is a broker, not an insurer, for general liability. It lists General Liability among the core coverages it places for technology clients, and one of its named program partners, Corix, sells CGL both standalone and bundled into a Commercial Package Policy. ^8,9Company-reported. Vouch's Technology page and Corix's Commercial Package Policy page.

The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. ²Company-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.

Corix's disclosures say its proprietary products, including CGL, are issued by State National Insurance Company or United Specialty Insurance Company. That names an insurer for Corix-branded products specifically, not for every Vouch GL placement. ¹⁰Company-reported. Corix disclosures 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. ^3,1Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms.

Vouch markets general liability to technology companies across AI, SaaS, eCommerce, fintech, hardware and crypto, saying it works with clients from their first customer contract through IPO. ⁸Company-reported. Vouch's Technology practice page; not an underwriting appetite guarantee for any specific applicant.

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. ^3,2Company-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.

Corix describes its CGL coverage as foundational protection against third-party claims involving bodily injury, property damage, and personal and advertising injury, and says it can be bundled with property, hired/non-owned auto and employee-benefits liability under a Commercial Package Policy to reduce coverage gaps. ⁹Company-reported. Corix's Commercial Package Policy page; actual insuring agreements and exclusions are set by the issued policy.

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. ^3,2Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible.

Neither the Vouch nor Corix pages publish GL policy limits or retentions. ^8,9Not publicly disclosed. Pages checked on 2026-09-23.

THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. ¹Company-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.

Corix's Commercial Package Policy page offers a downloadable application and directs brokers to start an appointment process; Vouch's own site routes prospective buyers to its online "Get Started" application flow. ^9,8Company-reported. Corix product page and Vouch site navigation.