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. 1,2
Read the THREE by Berkshire Hathaway profile
Read the THREE by Berkshire Hathaway General Liability Insurance page
What Is WithCoverage?
WithCoverage suits growing businesses that want a policy audit without first changing brokers, followed by ongoing risk-manager support; firms seeking instant self-service should compare digital agencies. Its review compares coverage, limits and premiums with market benchmarks. 4,5,6
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. 10,11,12
Key Differences in General Liability Insurance
Existing-Program Audit or New Package Quote
WithCoverage says it audits general-liability coverage as part of a broader insurance-program review and can place or transition the coverage. Its no-cost audit does not require leaving the current broker and is typically completed about one business day after it receives policy documents. THREE directs buyers to an online quote for its combined policy. Businesses renewing coverage can use the audit to review existing terms, then compare a THREE quote as a new package option. 7 1
Construction and Restaurant Focus
WithCoverage names general liability in its construction and restaurant client pages and says it benchmarks the policy within the broader program audit. THREE lists general liability in its Business Owners Policy but the reviewed record does not identify those industry segments or explain an audit service. Ask WithCoverage for the actual benchmark scope and THREE to confirm its class appetite for the specific operations. 7 3
Audit Findings and Placement
WithCoverage describes reviewing existing documents before recommending placement or transition; THREE offers an online quote with licensed advisor assistance. For a restaurant or contractor, compare the resulting exclusions, limits and certificate wording rather than interpreting WithCoverage's audit timing or THREE's quoting process as a coverage term. 7 1
What to Confirm in General Liability Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
THREE by Berkshire Hathaway
Review Score
2 rated sources
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.[4][3][1][2]
Read THREE by Berkshire Hathaway reviewsWithCoverage
Review Score
No reviews found
We found no independent rating for WithCoverage, so there is no Review Score. Its only rating is a 4.8 out of 5 from 299 references that the company itself curates.[9][10]
Read WithCoverage reviewsOffering Details
THREE by Berkshire Hathaway vs WithCoverage: General Liability Insurance: documented features by provider
| Criteria | THREE Business Owners Policy | WithCoverage General Liability Program Review |
|---|---|---|
| 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. 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. | WithCoverage is a broker, not an insurer; it reviews general liability coverage as part of a broader insurance-program audit across multiple industries it serves, including construction and restaurants, and can place or transition the coverage. 7,8,9Company-reported. Construction and restaurant industry pages; terms confirm the issuing insurer, not WithCoverage, is responsible for policy obligations. |
| Issuing Insurer | 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. | The reviewed pages do not name which insurer or insurers WithCoverage places general liability coverage with for any given client. 7,8Not found in reviewed sources. Construction and restaurant pages as read on 2026-09-23. |
| 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. 3,1Not publicly disclosed. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms. | Confirm in your quote. |
| 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. 3,2Company-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. | General liability is explicitly listed among the policies WithCoverage says it reads and benchmarks during a program audit, and is named in the page hero for both construction and restaurant clients specifically. 7,8Company-reported. Program-audit FAQ, repeated identically across WithCoverage's industry pages; hero copy on construction and restaurant pages. |
| 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. 3,2Not publicly disclosed. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible. | Confirm in your quote. |
| Risk Services | Confirm in your quote. | A named restaurant client, Bluestone Lane, is quoted saying WithCoverage saved it more than $139,000 on business insurance while the business grew year over year, and that WithCoverage's team of hospitality experts provides proactive advice. 8Company-reported. Customer testimonial on the restaurant industry page; describes the overall program including general liability, not a general-liability-only figure, and is a single client's self-reported experience. |
| How to Apply | 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. | WithCoverage offers a no-cost program audit that includes general liability without requiring a client to leave its current broker, typically completed in about one business day after receiving policy documents. 7,8Company-reported. Construction and restaurant page FAQs. |
Full Comparison
More THREE by Berkshire Hathaway vs WithCoverage Comparisons
Other General Liability Insurance Comparisons
Sources
THREE by Berkshire Hathaway
- Jargon-free small business insurance - THREE by Berkshire Hathaway. 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.
- The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway. 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.
- Business Owners Policy - THREE by Berkshire Hathaway. 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.
WithCoverage
- Commercial Insurance & Risk Management. WithCoverage; Industry navigation; Your Risk Management Team; AI Analyzes; One Digital Platform tabs and policy-management showcase. Accessed 2026-09-15.
- About WithCoverage. WithCoverage; Opening description of risk management for businesses without an in-house team. Accessed 2026-09-15.
- WithCoverage Raises $42M Series B. WithCoverage; Founders’ letter: WithCoverage fixes this in 3 key ways; complimentary risk assessment. Accessed 2026-09-15.
- Construction Insurance & Risk Management. WithCoverage; Hero: "One gap in GL, Builder's Risk, or Workers' Comp can wipe out a year of project profit"; Have Questions? program-audit FAQ listing General Liability among reviewed policies. Accessed 2026-09-23.
- Restaurant Insurance & Risk Management. WithCoverage; Hero: "One gap in general liability, liquor liability, or workers' comp can erase a year of service"; Rackson/Bluestone Lane testimonial; Have Questions? program-audit FAQ listing General Liability among reviewed policies. Accessed 2026-09-23.
- Terms & Conditions. WithCoverage; Section 8 Insurance Products: coverage subject to underwriting, carrier terms and policy documents. Accessed 2026-09-23.
General Liability Insurance Guide
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. 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.
- Commercial General Liability Coverage Form. 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.
