---
title: "THREE by Berkshire Hathaway vs Vouch: General Liability Insurance"
description: "THREE includes general liability in a combined business policy; Vouch places GL for technology firms and describes a Corix package option."
canonical: "https://spot.insure/compare/three-vs-vouch/general-liability"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "three-vs-vouch"
provider-a: "three"
provider-b: "vouch"
coverage-line: "general-liability"
---

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[Human-readable page](https://spot.insure/compare/three-vs-vouch/general-liability)

## Agent Guide

**What this page is:** Focused comparison of THREE by Berkshire Hathaway and Vouch for General Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for General Liability Insurance questions about THREE by Berkshire Hathaway versus Vouch. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- THREE by Berkshire Hathaway vs Vouch for General Liability Insurance: how do they differ?
- Which is better for General Liability Insurance, THREE by Berkshire Hathaway or Vouch?
- What does THREE by Berkshire Hathaway or Vouch publish about General Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for General Liability Insurance from THREE by Berkshire Hathaway or Vouch?

**Key facts:**
- Line: General Liability Insurance. Providers: THREE by Berkshire Hathaway and Vouch.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [THREE by Berkshire Hathaway vs Vouch](https://spot.insure/compare/three-vs-vouch) — parent: all coverage lines for this pair
- [General Liability Insurance guide](https://spot.insure/coverage/general-liability) — coverage explainer for this line
- [THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three) — provider profile (evidence)
- [Vouch profile](https://spot.insure/insurance-providers/vouch) — provider profile (evidence)
- [THREE by Berkshire Hathaway vs Vouch Commercial Property Insurance](https://spot.insure/compare/three-vs-vouch/commercial-property) — sibling comparison (other line, or other pair for this line)
- [THREE by Berkshire Hathaway vs Vouch Professional Liability (E&O) Insurance](https://spot.insure/compare/three-vs-vouch/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/aig-vs-three/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Vouch General Liability Insurance](https://spot.insure/compare/aig-vs-vouch/general-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/general-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Vouch General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-vouch/general-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-three/general-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Vouch General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-vouch/general-liability) — sibling comparison (other line, or other pair for this line)

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

THREE includes general liability in a combined business policy; Vouch places GL for technology firms and describes a Corix package option.

## Research Scope and Use

Use this comparison to evaluate THREE by Berkshire Hathaway and Vouch for General Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Vouch targets technology companies and places general liability through insurers including Corix programs, whose CGL can be standalone or bundled. THREE lists GL in its combined policy. [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [8](https://www.vouch.us/technology "Insurance for Technology Companies")

## 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. [1](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

[THREE by Berkshire Hathaway profile](https://spot.insure/insurance-providers/three)

## What Is Vouch Insurance?

Vouch suits startups and growing companies that want an online application, advisor-led carrier comparisons and contract-requirement reviews; buyers seeking direct insurer purchase or instant quotes should compare digital carriers. [4](https://www.vouch.us/ "Vouch Homepage") [5](https://apply.vouch.us/ "Start a Vouch Application") [6](https://www.vouch.us/blog/how-having-carrier-options-in-one-place-helps-businesses-choose-smarter-coverage "Carrier Options in One Place") [7](https://www.vouch.us/services/contract-requirement-review "Contract Requirement Review")

[Vouch profile](https://spot.insure/insurance-providers/vouch)

## 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. [11](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [12](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [13](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form")

## Key Differences in General Liability Insurance

### Technology Focus and Package Choices

Vouch says it places general liability for technology companies from AI, SaaS, e-commerce, fintech, hardware and crypto, serving businesses from their first customer contract through IPO. A named partner, Corix, sells CGL standalone or in a Commercial Package Policy. THREE lists GL in its combined Business Owners Policy. A technology business can compare Vouch's stated segment focus and Corix option with the specific class and lines THREE proposes. [8](https://www.vouch.us/technology "Insurance for Technology Companies") [9](https://www.corixinsurance.com/products/commercial-package-policy "Commercial Package Policy") [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### Who Issues the Policy

Vouch is a broker, and Corix-branded CGL products name State National Insurance Company or United Specialty Insurance Company as issuers; those disclosures do not identify the insurer for every Vouch placement. THREE's sample declarations name Berkshire Hathaway Direct Insurance Company. Request the carrier and declarations for the actual policy from either route before comparing financial and policy terms. [10](https://www.corixinsurance.com/legal/disclosures "Legal Disclosures") [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")

### Bundled Coverage and Buying Process

Corix says its package policy can combine CGL with property, hired/non-owned auto and employee-benefits liability; Vouch's site has an online application flow. THREE offers an online quote and licensed Small Business Advisors. Ask which lines can be bound together, which application is required and whether a broker appointment is needed for the Corix program. [9](https://www.corixinsurance.com/products/commercial-package-policy "Commercial Package Policy") [8](https://www.vouch.us/technology "Insurance for Technology Companies") [1](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

## What to Confirm in General Liability Insurance Quotes

- Ask Vouch to name the insurer on the specific placement and whether it is Corix standalone CGL or its package; ask THREE to identify the issuer in its declarations. [10](https://www.corixinsurance.com/legal/disclosures "Legal Disclosures") [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway")
- Compare technology-sector exclusions, property and hired/non-owned auto options, limits and broker servicing arrangements. [9](https://www.corixinsurance.com/products/commercial-package-policy "Commercial Package Policy") [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

## Offering Details

| Criteria | THREE Business Owners Policy | Vouch General Liability Insurance |
| --- | --- | --- |
| Role in This Line | 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. [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: 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](https://www.vouch.us/technology "Insurance for Technology Companies") [9](https://www.corixinsurance.com/products/commercial-package-policy "Commercial Package Policy") (Evidence: Company-reported; scope: Vouch's Technology page and Corix's Commercial Package Policy page..) |
| Issuing Insurer | The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: 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. [10](https://www.corixinsurance.com/legal/disclosures "Legal Disclosures") (Evidence: Company-reported; scope: Corix disclosures page..) |
| Who It’s For | 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [1](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: 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. [8](https://www.vouch.us/technology "Insurance for Technology Companies") (Evidence: Company-reported; scope: Vouch's Technology practice page; not an underwriting appetite guarantee for any specific applicant..) |
| Coverage Features | 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: 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. [9](https://www.corixinsurance.com/products/commercial-package-policy "Commercial Package Policy") (Evidence: Company-reported; scope: Corix's Commercial Package Policy page; actual insuring agreements and exclusions are set by the issued policy..) |
| Limits and Retentions | 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](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Not publicly disclosed; scope: 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](https://www.vouch.us/technology "Insurance for Technology Companies") [9](https://www.corixinsurance.com/products/commercial-package-policy "Commercial Package Policy") (Evidence: Not publicly disclosed; scope: Pages checked on 2026-09-23..) |
| How to Apply | THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. [1](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: 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](https://www.corixinsurance.com/products/commercial-package-policy "Commercial Package Policy") [8](https://www.vouch.us/technology "Insurance for Technology Companies") (Evidence: Company-reported; scope: Corix product page and Vouch site navigation..) |

## Full Comparison

- [THREE by Berkshire Hathaway vs Vouch](https://spot.insure/compare/three-vs-vouch): all coverage lines, business roles, service and claims.
- [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability can protect your business from covered injury and property-damage claims; your building, tools and stock need separate property coverage.
- [THREE by Berkshire Hathaway vs Vouch Commercial Property Insurance](https://spot.insure/compare/three-vs-vouch/commercial-property)
- [THREE by Berkshire Hathaway vs Vouch Professional Liability (E&O) Insurance](https://spot.insure/compare/three-vs-vouch/professional-errors-omissions)
- [AIG vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/aig-vs-three/general-liability)
- [AIG vs Vouch General Liability Insurance](https://spot.insure/compare/aig-vs-vouch/general-liability)
- [Alliance Risk vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-three/general-liability)
- [Alliance Risk vs Vouch General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-vouch/general-liability)
- [Amelia Risk vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-three/general-liability)
- [Amelia Risk vs Vouch General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-vouch/general-liability)

## Sources

### THREE by Berkshire Hathaway

1. [Jargon-free small business insurance - THREE by Berkshire Hathaway](https://threeinsurance.com/). 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.
2. [The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway](https://threeinsurance.com/the-policy). 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.
3. [Business Owners Policy - THREE by Berkshire Hathaway](https://threeinsurance.com/business-owners-policy). 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.

### Vouch

4. [Vouch Homepage](https://www.vouch.us/). Vouch; Hero identifying Vouch as an insurance broker; Industries; Services; footer identifying Vouch Specialty and qualifying product availability. Accessed 2026-09-15.
5. [Start a Vouch Application](https://apply.vouch.us/). Vouch; Public first screen: legal business name, website/no-website option, address and location type, applicant role and contact fields, consent, and existing-customer sign-in. Accessed 2026-09-15.
6. [Carrier Options in One Place](https://www.vouch.us/blog/how-having-carrier-options-in-one-place-helps-businesses-choose-smarter-coverage). Vouch; 26 November 2025: Choice Without the Chaos; Clarity That Builds Confidence; One Relationship, Many Solutions; final producer/underwriting disclosure. Accessed 2026-09-15.
7. [Contract Requirement Review](https://www.vouch.us/services/contract-requirement-review). Vouch; Coverage that keeps your deals moving; Tailored to your contract; Effortless Experience (reviews and COIs). Accessed 2026-09-15.
8. [Insurance for Technology Companies](https://www.vouch.us/technology). Vouch; Core coverages for Technology: ...General Liability.... Accessed 2026-09-23.
9. [Commercial Package Policy](https://www.corixinsurance.com/products/commercial-package-policy). Corix Insurance; Corix CPP coverage options include Commercial General Liability (CGL), Commercial Property (CP), Hired and Non-owned Auto (HNOA), and Employee Benefits Liability (EBL)...; Related Coverages: Commercial General Liability (CGL) insurance provided by Corix is foundational coverage that is designed to help protect businesses from third-party claims involving bodily injury, property damage, and personal and advertising injury.. Accessed 2026-09-23.
10. [Legal Disclosures](https://www.corixinsurance.com/legal/disclosures). Corix Insurance; Policies are issued by State National Insurance Company (NAIC# 12831) or United Specialty Insurance Company (NAIC#12537).. Accessed 2026-09-23.

### General Liability Insurance Guide

11. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
12. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). 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.
13. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). 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.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## THREE by Berkshire Hathaway Reviews

Review Score: 7.3 / 10 from 2 rated sources, equally weighted.

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.

- NerdWallet: NerdWallet editorial rating 4.0 (5 stars). NerdWallet editorial evaluation of THREE commercial insurance; updated May 11, 2026. Its methodology score is an editorial rating, not an average of consumer reviews or a claims study. Period: Updated 2026-05-11. Checked 2026-09-29. [Three Insurance review | NerdWallet](https://www.nerdwallet.com/business/insurance/learn/three-insurance)
- Trustpilot: TrustScore 2.5 (5 stars); 5 reviews. Trustpilot page for threeinsurance.com checked 2026-09-29. Five user-posted reviews, one in prior 12 months; small self-selected population, review provenance not independently verified. Period: Displayed 2026-09-29. Checked 2026-09-29. [THREE Reviews | Trustpilot](https://uk.trustpilot.com/review/threeinsurance.com)
- BBB: BBB customer review average 4.8 (5 stars); 265 reviews. BBB profile for THREE by Berkshire Hathaway, customer-review and complaints pages directly rechecked 2026-09-29. The customer-review population includes sales-agent/intermediary interactions and customer purchase/service reports; it is not a verified uniform policyholder or claims-outcome cohort. Average and complaints are distinct populations. BBB says third-party information may not be verified and complaint text may be incomplete. Period: Displayed 2026-09-29. Checked 2026-09-29. [THREE by Berkshire Hathaway customer reviews | BBB](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/customer-reviews?page=1); [THREE by Berkshire Hathaway complaints | BBB](https://www.bbb.org/us/ne/omaha/profile/commercial-insurance-services/three-by-berkshire-hathaway-0714-300275558/complaints)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/three/reviews).

## Vouch Reviews

Review Score: 6.6 / 10 from 1 rated source, equally weighted.

Vouch’s four Trustpilot reviews are too few to establish consistent service quality. Ask for references and clarify support after placement.

- Trustpilot: Trustpilot TrustScore 3.3 (5 stars); 4 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for Vouch](https://www.trustpilot.com/review/vouch.us)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/vouch/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/three-vs-vouch/general-liability.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)