THREE by Berkshire Hathaway vs Vouch: How Do They Compare for Professional Liability (E&O) Insurance?

THREE presents Errors and Omissions 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 professional errors & omissions coverage. It lists Errors & Omissions among the core coverages it places for professional-services clients, and one of its named program partners, Corix, has a dedicated E&O product. ^8,9Company-reported. Vouch's Professional Services page and Corix's cyber/E&O product 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 its E&O line, are issued by State National Insurance Company or United Specialty Insurance Company. That names an insurer for Corix-branded E&O products specifically, not for every Vouch professional-liability placement. ¹⁰Company-reported. Corix disclosures page.

The reviewed product page does not state separate eligibility rules for Errors and Omissions; 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 professional E&O to accounting and finance, architecture/engineering/construction, IT consulting, management consulting, and marketing and creative agency firms. ⁸Company-reported. Vouch's Professional Services page; not an underwriting appetite guarantee for any specific applicant.

THREE's Business Owners Policy page lists Errors & Omissions 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 Errors and Omissions. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy.

Corix describes E&O as protecting a business against claims of negligence, mistakes or inadequate work that cause a client financial loss in the provision of professional services, including legal defense costs and any damages awarded, even when the claim is ultimately groundless. ⁹Company-reported. Corix's cyber and E&O product 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 Errors and Omissions; 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 E&O 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 Errors and Omissions will be offered for a particular business or whether a customer can bind that line without an issued policy.

Corix's E&O product 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.