---
title: "THREE by Berkshire Hathaway vs WithCoverage: General Liability Insurance"
description: "THREE lists general liability within a combined business policy; WithCoverage offers a no-cost GL program audit for construction and restaurant clients."
canonical: "https://spot.insure/compare/three-vs-withcoverage/general-liability"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "three-vs-withcoverage"
provider-a: "three"
provider-b: "withcoverage"
coverage-line: "general-liability"
---

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

## Agent Guide

**What this page is:** Focused comparison of THREE by Berkshire Hathaway and WithCoverage 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 WithCoverage. 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 WithCoverage for General Liability Insurance: how do they differ?
- Which is better for General Liability Insurance, THREE by Berkshire Hathaway or WithCoverage?
- What does THREE by Berkshire Hathaway or WithCoverage 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 WithCoverage?

**Key facts:**
- Line: General Liability Insurance. Providers: THREE by Berkshire Hathaway and WithCoverage.
- 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 WithCoverage](https://spot.insure/compare/three-vs-withcoverage) — 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)
- [WithCoverage profile](https://spot.insure/insurance-providers/withcoverage) — provider profile (evidence)
- [THREE by Berkshire Hathaway vs WithCoverage Commercial Property Insurance](https://spot.insure/compare/three-vs-withcoverage/commercial-property) — sibling comparison (other line, or other pair for this line)
- [THREE by Berkshire Hathaway vs WithCoverage Workers’ Compensation Insurance](https://spot.insure/compare/three-vs-withcoverage/workers-compensation) — 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 WithCoverage General Liability Insurance](https://spot.insure/compare/aig-vs-withcoverage/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 WithCoverage General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-withcoverage/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 WithCoverage General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-withcoverage/general-liability) — sibling comparison (other line, or other pair for this line)

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

THREE lists general liability within a combined business policy; WithCoverage offers a no-cost GL program audit for construction and restaurant clients.

## Research Scope and Use

Use this comparison to evaluate THREE by Berkshire Hathaway and WithCoverage 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

WithCoverage reviews and benchmarks GL policies and says its program audit usually takes about one business day without requiring a broker change. THREE offers an online package quote. [1](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [8](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management")

## 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 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](https://www.withcoverage.com/ "Commercial Insurance & Risk Management") [5](https://www.withcoverage.com/company "About WithCoverage") [6](https://www.withcoverage.com/announcement "WithCoverage Raises $42M Series B")

[WithCoverage profile](https://spot.insure/insurance-providers/withcoverage)

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

## 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](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [1](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

### 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](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")

### 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](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [1](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

## What to Confirm in General Liability Insurance Quotes

- Ask WithCoverage which policy clauses it benchmarks and how findings translate to a placement; ask THREE for its GL forms and limits. [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [3](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway")
- Provide both with current certificates, contracts and loss details, then compare exclusions and additional-insured terms. [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [1](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

## Offering Details

| 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. [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..) | 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](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [8](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") [9](https://www.withcoverage.com/legal/terms "Terms & Conditions") (Evidence: Company-reported; scope: 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. [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..) | The reviewed pages do not name which insurer or insurers WithCoverage places general liability coverage with for any given client. [7](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [8](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") (Evidence: Not found in reviewed sources; scope: 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](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..) | 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](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..) | 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](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [8](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") (Evidence: Company-reported; scope: 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](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..) | 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. [8](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") (Evidence: Company-reported; scope: 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. [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..) | 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](https://www.withcoverage.com/industries/construction "Construction Insurance & Risk Management") [8](https://www.withcoverage.com/industries/restaurants "Restaurant Insurance & Risk Management") (Evidence: Company-reported; scope: Construction and restaurant page FAQs..) |

## Full Comparison

- [THREE by Berkshire Hathaway vs WithCoverage](https://spot.insure/compare/three-vs-withcoverage): 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 WithCoverage Commercial Property Insurance](https://spot.insure/compare/three-vs-withcoverage/commercial-property)
- [THREE by Berkshire Hathaway vs WithCoverage Workers’ Compensation Insurance](https://spot.insure/compare/three-vs-withcoverage/workers-compensation)
- [AIG vs THREE by Berkshire Hathaway General Liability Insurance](https://spot.insure/compare/aig-vs-three/general-liability)
- [AIG vs WithCoverage General Liability Insurance](https://spot.insure/compare/aig-vs-withcoverage/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 WithCoverage General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-withcoverage/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 WithCoverage General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-withcoverage/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.

### WithCoverage

4. [Commercial Insurance & Risk Management](https://www.withcoverage.com/). WithCoverage; Industry navigation; Your Risk Management Team; AI Analyzes; One Digital Platform tabs and policy-management showcase. Accessed 2026-09-15.
5. [About WithCoverage](https://www.withcoverage.com/company). WithCoverage; Opening description of risk management for businesses without an in-house team. Accessed 2026-09-15.
6. [WithCoverage Raises $42M Series B](https://www.withcoverage.com/announcement). WithCoverage; Founders’ letter: WithCoverage fixes this in 3 key ways; complimentary risk assessment. Accessed 2026-09-15.
7. [Construction Insurance & Risk Management](https://www.withcoverage.com/industries/construction). 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.
8. [Restaurant Insurance & Risk Management](https://www.withcoverage.com/industries/restaurants). 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.
9. [Terms & Conditions](https://www.withcoverage.com/legal/terms). WithCoverage; Section 8 Insurance Products: coverage subject to underwriting, carrier terms and policy documents. Accessed 2026-09-23.

### General Liability Insurance Guide

10. [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.
11. [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.
12. [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).

## WithCoverage Reviews

Review Score: not enough ratings.

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.

- FeaturedCustomers: Customer reference rating 4.8 (out of 5); 299 reviews. Vendor-supplied customer references on a testimonial-marketing site; not an open consumer review platform. Checked 2026-09-29. [WithCoverage customer reviews and references](https://www.featuredcustomers.com/vendor/withcoverage)

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

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/three-vs-withcoverage/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)