--- title: "Alternatives to THREE for Small-Business Insurance" description: "How to compare THREE’s packaged commercial quote with other small-business insurance options by matching the buyer, coverage and policy terms." canonical: "https://spot.insure/insurance-providers/three/alternatives" page-type: "alternatives-article" updated-at: "2026-09-29" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-providers/three/alternatives) # Alternatives to THREE for Small-Business Insurance How to compare THREE’s packaged commercial quote with other small-business insurance options by matching the buyer, coverage and policy terms. ## Summary THREE describes one combined commercial policy with multiple coverage categories and a direct quote route. When comparing other options, first match the business, state, requested protection and issuing insurer; a shared marketing label alone does not establish equivalent coverage. [Business Owners Policy | THREE](https://threeinsurance.com/business-owners-policy) [The Policy](https://threeinsurance.com/the-policy) Compare the actual forms and exclusions. THREE’s sample says business interruption follows a property loss it pays, begins after the declarations’ waiting period and ends when normal operations resume or a limit is reached; the sample excludes equipment or machinery stopping without an accident. Other quotes should be checked against the buyer’s specific loss scenarios. [The Policy](https://threeinsurance.com/the-policy) Check how the quote is completed and who can bind it. THREE describes an online quote flow, advisor support and a separate partner-agent platform. Ask each provider which legal company issues the policy and when coverage becomes effective. [THREE by Berkshire Hathaway — small business insurance](https://threeinsurance.com/) [Become a THREE Partner](https://threeinsurance.com/become-a-three-partner) [The Policy](https://threeinsurance.com/the-policy) The comparison table below is generated by joining published provider profiles and shared marketing categories. A displayed overlap is a discovery aid, not proof that forms, limits, eligibility or standalone availability match; request both quotes and policy forms before choosing. [Business Owners Policy | THREE](https://threeinsurance.com/business-owners-policy) [The Policy](https://threeinsurance.com/the-policy) ## Alternatives by Coverage Line ### Business Owner’s Policy - [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk) ([Compare](https://spot.insure/compare/alliance-risk-vs-three)) — Alliance Risk arranges business owner’s policies. - [Amelia Risk](https://spot.insure/insurance-providers/amelia-risk) ([Compare](https://spot.insure/compare/amelia-risk-vs-three)) — Amelia Risk arranges business owner’s policies for startups. - [biBerk](https://spot.insure/insurance-providers/biberk) ([Compare](https://spot.insure/compare/biberk-vs-three)) - [Chubb](https://spot.insure/insurance-providers/chubb) ([Compare](https://spot.insure/compare/chubb-vs-three)) — Chubb offers business owner’s policies for eligible small businesses with up to $30 million in revenue. - [CNA](https://spot.insure/insurance-providers/cna) ([Compare](https://spot.insure/compare/cna-vs-three)) - [Corgi](https://spot.insure/insurance-providers/corgi) ([Compare](https://spot.insure/compare/corgi-vs-three)) — Corgi lists a business owner’s policy in its coverage catalog. - [Coterie Insurance](https://spot.insure/insurance-providers/coterie) ([Compare](https://spot.insure/compare/coterie-vs-three)) — Coterie offers a business owner’s policy through its agent channel. - [Coverdash](https://spot.insure/insurance-providers/coverdash) ([Compare](https://spot.insure/compare/coverdash-vs-three)) — Coverdash lists a business owner’s policy in its coverage hub. - [Embroker](https://spot.insure/insurance-providers/embroker) ([Compare](https://spot.insure/compare/embroker-vs-three)) — Embroker lists a business owner’s policy with a quote route. - [ERGO NEXT Insurance](https://spot.insure/insurance-providers/next-insurance) ([Compare](https://spot.insure/compare/next-insurance-vs-three)) — ERGO NEXT markets a business owner’s policy. - [Foxquilt](https://spot.insure/insurance-providers/foxquilt) ([Compare](https://spot.insure/compare/foxquilt-vs-three)) — Foxquilt’s About page lists Business Owner’s Policy among “Our Primary Coverages”; no current BOP-specific terms or bundled contents are established here. - [Gallagher](https://spot.insure/insurance-providers/gallagher) ([Compare](https://spot.insure/compare/gallagher-vs-three)) — Gallagher arranges business owner’s policies for small businesses. - [Harper](https://spot.insure/insurance-providers/harper) ([Compare](https://spot.insure/compare/harper-vs-three)) — Harper accepts business owner’s policy inquiries through its coverage intake. - [Heffernan Insurance Brokers](https://spot.insure/insurance-providers/heffernan) ([Compare](https://spot.insure/compare/heffernan-vs-three)) — Heffernan arranges business owner’s policies for small businesses. - [Hiscox](https://spot.insure/insurance-providers/hiscox) ([Compare](https://spot.insure/compare/hiscox-vs-three)) — Hiscox offers business owner’s policies for small businesses. - [HUB International](https://spot.insure/insurance-providers/hub-international) ([Compare](https://spot.insure/compare/hub-international-vs-three)) — HUB International arranges business owner’s policies for small and midsized businesses. - [Insureon](https://spot.insure/insurance-providers/insureon) ([Compare](https://spot.insure/compare/insureon-vs-three)) — Insureon markets Business Owner’s Policy (BOP); description does not establish insurer, policy terms, or individual availability. - [Kinro](https://spot.insure/insurance-providers/kinro) ([Compare](https://spot.insure/compare/kinro-vs-three)) — Kinro lists a business owner’s policy in its product catalog. - [Liberty Mutual](https://spot.insure/insurance-providers/liberty-mutual) ([Compare](https://spot.insure/compare/liberty-mutual-vs-three)) - [Mylo](https://spot.insure/insurance-providers/mylo) ([Compare](https://spot.insure/compare/mylo-vs-three)) — Mylo lists a business owner’s policy among its business insurance products. - [Nationwide](https://spot.insure/insurance-providers/nationwide) ([Compare](https://spot.insure/compare/nationwide-vs-three)) — Nationwide markets a BOP for eligible small businesses and describes property and liability elements with optional additions; actual coverage is controlled by policy forms. - [Pie Insurance](https://spot.insure/insurance-providers/pie-insurance) ([Compare](https://spot.insure/compare/pie-insurance-vs-three)) — Pie accepts business owner’s policy quote requests. - [Simply Business](https://spot.insure/insurance-providers/simply-business) ([Compare](https://spot.insure/compare/simply-business-vs-three)) - [TechInsurance](https://spot.insure/insurance-providers/techinsurance) ([Compare](https://spot.insure/compare/techinsurance-vs-three)) — TechInsurance arranges business owner’s policies for small businesses. - [The Hartford](https://spot.insure/insurance-providers/the-hartford) ([Compare](https://spot.insure/compare/the-hartford-vs-three)) — The Hartford offers business owner’s policies combining property and liability coverage. - [Travelers](https://spot.insure/insurance-providers/travelers) ([Compare](https://spot.insure/compare/three-vs-travelers)) — Travelers offers business owner’s policies for small technology-services businesses. ### Commercial Auto Insurance - [AIG](https://spot.insure/insurance-providers/aig) ([Compare](https://spot.insure/compare/aig-vs-three)) — AIG Truck Insurance Group commercial auto (scoped to for-hire trucking) - [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk) ([Compare](https://spot.insure/compare/alliance-risk-vs-three)) — Alliance Risk arranges commercial auto insurance. - [Amelia Risk](https://spot.insure/insurance-providers/amelia-risk) ([Compare](https://spot.insure/compare/amelia-risk-vs-three)) — Amelia Risk arranges commercial auto insurance for consumer-product businesses. - [Aon](https://spot.insure/insurance-providers/aon) ([Compare](https://spot.insure/compare/aon-vs-three)) — Aon lists automobile liability within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established. - [biBerk](https://spot.insure/insurance-providers/biberk) ([Compare](https://spot.insure/compare/biberk-vs-three)) - [Chubb](https://spot.insure/insurance-providers/chubb) ([Compare](https://spot.insure/compare/chubb-vs-three)) — Chubb offers commercial auto insurance. - [CNA](https://spot.insure/insurance-providers/cna) ([Compare](https://spot.insure/compare/cna-vs-three)) - [Corgi](https://spot.insure/insurance-providers/corgi) ([Compare](https://spot.insure/compare/corgi-vs-three)) — Corgi links to trucking auto-liability coverage from its transportation menu. - [Coverdash](https://spot.insure/insurance-providers/coverdash) ([Compare](https://spot.insure/compare/coverdash-vs-three)) — Coverdash lists commercial auto in its coverage catalog and invites quote requests. - [Embroker](https://spot.insure/insurance-providers/embroker) ([Compare](https://spot.insure/compare/embroker-vs-three)) — Embroker offers help obtaining commercial auto insurance and invites quote requests. - [Foxquilt](https://spot.insure/insurance-providers/foxquilt) ([Compare](https://spot.insure/compare/foxquilt-vs-three)) — Commercial auto product page; HNOA is not split out. - [Gallagher](https://spot.insure/insurance-providers/gallagher) ([Compare](https://spot.insure/compare/gallagher-vs-three)) — Gallagher arranges commercial auto insurance for small businesses. - [Harper](https://spot.insure/insurance-providers/harper) ([Compare](https://spot.insure/compare/harper-vs-three)) — Harper lists commercial auto insurance and describes approaching insurers for customers. - [Heffernan Insurance Brokers](https://spot.insure/insurance-providers/heffernan) ([Compare](https://spot.insure/compare/heffernan-vs-three)) — Heffernan arranges commercial auto insurance. - [HUB International](https://spot.insure/insurance-providers/hub-international) ([Compare](https://spot.insure/compare/hub-international-vs-three)) — HUB International arranges commercial auto insurance. - [Insureon](https://spot.insure/insurance-providers/insureon) ([Compare](https://spot.insure/compare/insureon-vs-three)) — Insureon markets Commercial Auto; description does not establish insurer, policy terms, or individual availability. - [Kinro](https://spot.insure/insurance-providers/kinro) ([Compare](https://spot.insure/compare/kinro-vs-three)) — As of September 16, 2026, Kinro lists commercial auto and describes matching business details to carrier appetite. - [Liberty Mutual](https://spot.insure/insurance-providers/liberty-mutual) ([Compare](https://spot.insure/compare/liberty-mutual-vs-three)) - [Lockton](https://spot.insure/insurance-providers/lockton) ([Compare](https://spot.insure/compare/lockton-vs-three)) — Lockton arranges commercial auto insurance. - [Marsh McLennan Agency](https://spot.insure/insurance-providers/marsh-mclennan-agency) ([Compare](https://spot.insure/compare/marsh-mclennan-agency-vs-three)) - [Mylo](https://spot.insure/insurance-providers/mylo) ([Compare](https://spot.insure/compare/mylo-vs-three)) — As of September 16, 2026, Mylo invites commercial-auto quote requests and describes comparing policies from multiple insurers. - [Nationwide](https://spot.insure/insurance-providers/nationwide) ([Compare](https://spot.insure/compare/nationwide-vs-three)) — Nationwide lists commercial auto in its small-business product catalogue. We couldn’t review the dedicated product page, so no vehicle, driver, or state terms are inferred. - [Newfront](https://spot.insure/insurance-providers/newfront) ([Compare](https://spot.insure/compare/newfront-vs-three)) — As of September 16, 2026, Newfront lists auto liability within its casualty placement services. - [StartupInsurance.ai](https://spot.insure/insurance-providers/startupinsurance) ([Compare](https://spot.insure/compare/startupinsurance-vs-three)) — StartupInsurance.ai arranges commercial auto insurance for startups. - [TechInsurance](https://spot.insure/insurance-providers/techinsurance) ([Compare](https://spot.insure/compare/techinsurance-vs-three)) — TechInsurance arranges commercial auto insurance for small businesses. - [The Baldwin Group](https://spot.insure/insurance-providers/baldwin) ([Compare](https://spot.insure/compare/baldwin-vs-three)) — Listed for government-contracting, transportation and digital-infrastructure exposures. - [The Hartford](https://spot.insure/insurance-providers/the-hartford) ([Compare](https://spot.insure/compare/the-hartford-vs-three)) — The Hartford offers commercial auto insurance as a business coverage; small businesses cannot currently buy it online and may be quoted through a local agency. - [Travelers](https://spot.insure/insurance-providers/travelers) ([Compare](https://spot.insure/compare/three-vs-travelers)) — Travelers offers commercial auto insurance. - [USI Insurance Services](https://spot.insure/insurance-providers/usi) ([Compare](https://spot.insure/compare/three-vs-usi)) — USI arranges commercial auto insurance. - [Zurich U.S.](https://spot.insure/insurance-providers/zurich) ([Compare](https://spot.insure/compare/three-vs-zurich)) — Zurich markets commercial auto for rental fleets; the reviewed source does not establish the same terms for all commercial-auto classes. ### Commercial Property Insurance - [AIG](https://spot.insure/insurance-providers/aig) ([Compare](https://spot.insure/compare/aig-vs-three)) — AIG Commercial Property / Retail Property - [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk) ([Compare](https://spot.insure/compare/alliance-risk-vs-three)) — Alliance Risk arranges property insurance. - [Aon](https://spot.insure/insurance-providers/aon) ([Compare](https://spot.insure/compare/aon-vs-three)) — Aon describes commercial-property brokerage and risk management, with a U.S.-available analytics tool; tool availability does not establish state-specific insurance availability. - [Beazley](https://spot.insure/insurance-providers/beazley) ([Compare](https://spot.insure/compare/beazley-vs-three)) — Beazley offers commercial property insurance for mid-sized and large US and Canadian accounts on an excess-and-surplus-lines basis. - [Berkshire Hathaway Specialty Insurance](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) ([Compare](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three)) — BHSI lists all-risk commercial property and selected single-peril options, including earthquake, flood, and windstorm. - [CFC](https://spot.insure/insurance-providers/cfc) ([Compare](https://spot.insure/compare/cfc-vs-three)) — CFC offers property coverage within its property and casualty product. - [Chubb](https://spot.insure/insurance-providers/chubb) ([Compare](https://spot.insure/compare/chubb-vs-three)) — Chubb offers commercial property insurance. - [CNA](https://spot.insure/insurance-providers/cna) ([Compare](https://spot.insure/compare/cna-vs-three)) - [Coverdash](https://spot.insure/insurance-providers/coverdash) ([Compare](https://spot.insure/compare/coverdash-vs-three)) — Coverdash lists commercial property in its coverage catalog. - [Embroker](https://spot.insure/insurance-providers/embroker) ([Compare](https://spot.insure/compare/embroker-vs-three)) — Embroker offers help obtaining commercial property insurance and invites property quote requests. - [ERGO NEXT Insurance](https://spot.insure/insurance-providers/next-insurance) ([Compare](https://spot.insure/compare/next-insurance-vs-three)) — ERGO NEXT sells commercial property insurance as an agency; the issuing insurer is responsible for policy obligations. - [Founder Shield](https://spot.insure/insurance-providers/foundershield) ([Compare](https://spot.insure/compare/foundershield-vs-three)) — Founder Shield lists property insurance among its core offerings. - [Foxquilt](https://spot.insure/insurance-providers/foxquilt) ([Compare](https://spot.insure/compare/foxquilt-vs-three)) — Commercial property product page. - [Gallagher](https://spot.insure/insurance-providers/gallagher) ([Compare](https://spot.insure/compare/gallagher-vs-three)) — Gallagher arranges commercial property insurance for small businesses. - [Harper](https://spot.insure/insurance-providers/harper) ([Compare](https://spot.insure/compare/harper-vs-three)) — Harper lists commercial property insurance and describes approaching insurance companies for customers. - [Heffernan Insurance Brokers](https://spot.insure/insurance-providers/heffernan) ([Compare](https://spot.insure/compare/heffernan-vs-three)) — Heffernan arranges commercial property insurance. - [HUB International](https://spot.insure/insurance-providers/hub-international) ([Compare](https://spot.insure/compare/hub-international-vs-three)) — HUB International arranges commercial property insurance. - [Insureon](https://spot.insure/insurance-providers/insureon) ([Compare](https://spot.insure/compare/insureon-vs-three)) — Insureon markets Commercial Property; description does not establish insurer, policy terms, or individual availability. - [Kinro](https://spot.insure/insurance-providers/kinro) ([Compare](https://spot.insure/compare/kinro-vs-three)) — As of September 16, 2026, Kinro lists commercial property and describes matching business details to carrier appetite. - [Liberty Mutual](https://spot.insure/insurance-providers/liberty-mutual) ([Compare](https://spot.insure/compare/liberty-mutual-vs-three)) - [Lockton](https://spot.insure/insurance-providers/lockton) ([Compare](https://spot.insure/compare/lockton-vs-three)) — Lockton arranges commercial property insurance. - [Markel Insurance](https://spot.insure/insurance-providers/markel) ([Compare](https://spot.insure/compare/markel-vs-three)) — Markel commercial property - [Marsh](https://spot.insure/insurance-providers/marsh) ([Compare](https://spot.insure/compare/marsh-vs-three)) — Marsh arranges property insurance for digital infrastructure, and Marsh McLennan Agency (MMA), a Marsh business, arranges commercial property insurance. - [Marsh McLennan Agency](https://spot.insure/insurance-providers/marsh-mclennan-agency) ([Compare](https://spot.insure/compare/marsh-mclennan-agency-vs-three)) - [Nationwide](https://spot.insure/insurance-providers/nationwide) ([Compare](https://spot.insure/compare/nationwide-vs-three)) — Nationwide markets commercial property for business buildings and contents; property values, covered causes, limits, and exclusions depend on the policy. - [Newfront](https://spot.insure/insurance-providers/newfront) ([Compare](https://spot.insure/compare/newfront-vs-three)) — As of September 16, 2026, Newfront markets property placement services and review of property and business-interruption values. - [Relm Insurance](https://spot.insure/insurance-providers/relm) ([Compare](https://spot.insure/compare/relm-vs-three)) — Relm lists commercial property insurance for placement through brokers. - [Risklytics](https://spot.insure/insurance-providers/risklytics) ([Compare](https://spot.insure/compare/risklytics-vs-three)) — Risklytics arranges commercial property insurance for robotics, hardware and AI businesses. - [Simply Business](https://spot.insure/insurance-providers/simply-business) ([Compare](https://spot.insure/compare/simply-business-vs-three)) — Offered as part of a BOP, rather than as a standalone policy. - [StartupInsurance.ai](https://spot.insure/insurance-providers/startupinsurance) ([Compare](https://spot.insure/compare/startupinsurance-vs-three)) — StartupInsurance.ai arranges commercial property insurance for startups. - [TechInsurance](https://spot.insure/insurance-providers/techinsurance) ([Compare](https://spot.insure/compare/techinsurance-vs-three)) — TechInsurance arranges commercial property insurance for small businesses. - [The Baldwin Group](https://spot.insure/insurance-providers/baldwin) ([Compare](https://spot.insure/compare/baldwin-vs-three)) — Listed for real-estate, professional-services and other named commercial sectors. - [The Hartford](https://spot.insure/insurance-providers/the-hartford) ([Compare](https://spot.insure/compare/the-hartford-vs-three)) — The Hartford offers commercial property insurance. - [Travelers](https://spot.insure/insurance-providers/travelers) ([Compare](https://spot.insure/compare/three-vs-travelers)) — Travelers offers commercial property insurance. - [USI Insurance Services](https://spot.insure/insurance-providers/usi) ([Compare](https://spot.insure/compare/three-vs-usi)) — USI arranges commercial property insurance. - [Vouch](https://spot.insure/insurance-providers/vouch) ([Compare](https://spot.insure/compare/three-vs-vouch)) — As of September 16, 2026, Vouch lists business property for health care and life sciences programs. - [WithCoverage](https://spot.insure/insurance-providers/withcoverage) ([Compare](https://spot.insure/compare/three-vs-withcoverage)) — As of September 16, 2026, WithCoverage describes auditing property programs and handling carrier transitions, for example for construction businesses. - [WTW](https://spot.insure/insurance-providers/wtw) ([Compare](https://spot.insure/compare/three-vs-wtw)) — WTW markets property insurance for residential real-estate stakeholders and a separate integrated data-center construction and operations program. Program terms and eligible risks require placement-specific confirmation. - [Zurich U.S.](https://spot.insure/insurance-providers/zurich) ([Compare](https://spot.insure/compare/three-vs-zurich)) — Zurich markets commercial property insurance. ### Cyber Insurance - [AIG](https://spot.insure/insurance-providers/aig) ([Compare](https://spot.insure/compare/aig-vs-three)) — AIG CyberEdge family (CyberEdge, CyberEdge Plus and CyberEdge PC kept distinct) - [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk) ([Compare](https://spot.insure/compare/alliance-risk-vs-three)) — Alliance Risk arranges cyber liability insurance. - [Amelia Risk](https://spot.insure/insurance-providers/amelia-risk) ([Compare](https://spot.insure/compare/amelia-risk-vs-three)) — Amelia Risk arranges cyber insurance. - [Aon](https://spot.insure/insurance-providers/aon) ([Compare](https://spot.insure/compare/aon-vs-three)) — Aon describes cyber insurance and related brokerage, analytics and claims support; confirm the producing entity, insurer, jurisdiction and policy terms for a U.S. placement. - [At-Bay](https://spot.insure/insurance-providers/at-bay) ([Compare](https://spot.insure/compare/at-bay-vs-three)) — At-Bay offers primary and excess cyber insurance for businesses with revenue up to $5 billion. - [Beazley](https://spot.insure/insurance-providers/beazley) ([Compare](https://spot.insure/compare/beazley-vs-three)) — Beazley offers cyber insurance for small and midsized businesses. - [Berkshire Hathaway Specialty Insurance](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) ([Compare](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three)) — BHSI markets a U.S. Network Security & Privacy product with third-party breach, response-expense and network-interruption features; its Professional First overview also describes stand-alone Cyber and blended E&O/Cyber forms. Product form, eligibility, terms and issuer depend on the risk and policy. - [biBerk](https://spot.insure/insurance-providers/biberk) ([Compare](https://spot.insure/compare/biberk-vs-three)) - [CFC](https://spot.insure/insurance-providers/cfc) ([Compare](https://spot.insure/compare/cfc-vs-three)) — CFC offers cyber insurance, including primary and excess products. - [Chubb](https://spot.insure/insurance-providers/chubb) ([Compare](https://spot.insure/compare/chubb-vs-three)) — Chubb offers cyber insurance. - [CNA](https://spot.insure/insurance-providers/cna) ([Compare](https://spot.insure/compare/cna-vs-three)) - [Coalition](https://spot.insure/insurance-providers/coalition) ([Compare](https://spot.insure/compare/coalition-vs-three)) — Coalition offers cyber insurance. - [Corgi](https://spot.insure/insurance-providers/corgi) ([Compare](https://spot.insure/compare/corgi-vs-three)) — Corgi lists cyber insurance among its business insurance offerings. - [Coverdash](https://spot.insure/insurance-providers/coverdash) ([Compare](https://spot.insure/compare/coverdash-vs-three)) — Coverdash lists cyber insurance in its coverage catalog. - [Cowbell](https://spot.insure/insurance-providers/cowbell) ([Compare](https://spot.insure/compare/cowbell-vs-three)) — Cowbell offers standalone and excess cyber products through its insurance-agency business. - [Embroker](https://spot.insure/insurance-providers/embroker) ([Compare](https://spot.insure/compare/embroker-vs-three)) — Embroker lists cyber insurance with a quote route. - [Founder Shield](https://spot.insure/insurance-providers/foundershield) ([Compare](https://spot.insure/compare/foundershield-vs-three)) — Founder Shield lists cyber liability among its core offerings. - [Foxquilt](https://spot.insure/insurance-providers/foxquilt) ([Compare](https://spot.insure/compare/foxquilt-vs-three)) — Cyber product page; policy terms and limits not established. - [Gallagher](https://spot.insure/insurance-providers/gallagher) ([Compare](https://spot.insure/compare/gallagher-vs-three)) — Gallagher arranges cyber insurance. - [Harper](https://spot.insure/insurance-providers/harper) ([Compare](https://spot.insure/compare/harper-vs-three)) — Harper lists cyber insurance and describes approaching insurers for customers. - [Heffernan Insurance Brokers](https://spot.insure/insurance-providers/heffernan) ([Compare](https://spot.insure/compare/heffernan-vs-three)) — Heffernan arranges cyber insurance. - [Hiscox](https://spot.insure/insurance-providers/hiscox) ([Compare](https://spot.insure/compare/hiscox-vs-three)) — Hiscox offers cyber insurance for small businesses. - [HUB International](https://spot.insure/insurance-providers/hub-international) ([Compare](https://spot.insure/compare/hub-international-vs-three)) — HUB International arranges cyber insurance. - [Insureon](https://spot.insure/insurance-providers/insureon) ([Compare](https://spot.insure/compare/insureon-vs-three)) — Insureon markets Cyber Insurance; description does not establish insurer, policy terms, or individual availability. - [Kinro](https://spot.insure/insurance-providers/kinro) ([Compare](https://spot.insure/compare/kinro-vs-three)) — Kinro lists cyber liability and compares business details with carrier appetite. - [Liberty Mutual](https://spot.insure/insurance-providers/liberty-mutual) ([Compare](https://spot.insure/compare/liberty-mutual-vs-three)) - [Lockton](https://spot.insure/insurance-providers/lockton) ([Compare](https://spot.insure/compare/lockton-vs-three)) — Lockton arranges cyber insurance. - [Markel Insurance](https://spot.insure/insurance-providers/markel) ([Compare](https://spot.insure/compare/markel-vs-three)) — Markel Cyber 360 - [Marsh](https://spot.insure/insurance-providers/marsh) ([Compare](https://spot.insure/compare/marsh-vs-three)) — Marsh arranges cyber insurance. - [Marsh McLennan Agency](https://spot.insure/insurance-providers/marsh-mclennan-agency) ([Compare](https://spot.insure/compare/marsh-mclennan-agency-vs-three)) - [Mylo](https://spot.insure/insurance-providers/mylo) ([Compare](https://spot.insure/compare/mylo-vs-three)) — Mylo invites cyber insurance quote requests and compares policies from multiple insurers. - [Nationwide](https://spot.insure/insurance-providers/nationwide) ([Compare](https://spot.insure/compare/nationwide-vs-three)) — Nationwide markets cyber liability and data-breach insurance to business customers; quote and policy terms determine eligibility and coverage. - [Newfront](https://spot.insure/insurance-providers/newfront) ([Compare](https://spot.insure/compare/newfront-vs-three)) — Newfront places cyber insurance, negotiates policy wording and provides claims consultation. - [Pie Insurance](https://spot.insure/insurance-providers/pie-insurance) ([Compare](https://spot.insure/compare/pie-insurance-vs-three)) — Pie provides access to cyber insurance quotes from carrier partners. - [Relm Insurance](https://spot.insure/insurance-providers/relm) ([Compare](https://spot.insure/compare/relm-vs-three)) — Relm lists cyber insurance for placement through brokers. - [Resilience](https://spot.insure/insurance-providers/resilience) ([Compare](https://spot.insure/compare/resilience-vs-three)) — Resilience markets cyber insurance on a primary or excess basis. - [RiskCube](https://spot.insure/insurance-providers/riskcube) ([Compare](https://spot.insure/compare/riskcube-vs-three)) — RiskCube arranges cyber insurance for startups. - [Risklytics](https://spot.insure/insurance-providers/risklytics) ([Compare](https://spot.insure/compare/risklytics-vs-three)) — Risklytics arranges cyber insurance for robotics, hardware and AI businesses. - [Simply Business](https://spot.insure/insurance-providers/simply-business) ([Compare](https://spot.insure/compare/simply-business-vs-three)) — Add-on for select buyers purchasing another business policy; phone quote route. - [StartupInsurance.ai](https://spot.insure/insurance-providers/startupinsurance) ([Compare](https://spot.insure/compare/startupinsurance-vs-three)) — StartupInsurance.ai arranges cyber insurance for startups. - [TechInsurance](https://spot.insure/insurance-providers/techinsurance) ([Compare](https://spot.insure/compare/techinsurance-vs-three)) — TechInsurance arranges cyber insurance for small businesses. - [The Baldwin Group](https://spot.insure/insurance-providers/baldwin) ([Compare](https://spot.insure/compare/baldwin-vs-three)) — Listed for named commercial sectors; Baldwin separately describes cyber risk guidance and market/partner access. - [The Hartford](https://spot.insure/insurance-providers/the-hartford) ([Compare](https://spot.insure/compare/the-hartford-vs-three)) — The Hartford offers cyber insurance and data-breach coverage. - [Travelers](https://spot.insure/insurance-providers/travelers) ([Compare](https://spot.insure/compare/three-vs-travelers)) — Travelers offers cyber insurance through CyberRisk Tech for technology and life-sciences companies. - [USI Insurance Services](https://spot.insure/insurance-providers/usi) ([Compare](https://spot.insure/compare/three-vs-usi)) — USI arranges cyber insurance. - [Vouch](https://spot.insure/insurance-providers/vouch) ([Compare](https://spot.insure/compare/three-vs-vouch)) — Vouch lists cyber liability in its technology-company programs. - [WithCoverage](https://spot.insure/insurance-providers/withcoverage) ([Compare](https://spot.insure/compare/three-vs-withcoverage)) — WithCoverage reviews cyber exposures in technology-company insurance programs and offers broker-transition support. - [WTW](https://spot.insure/insurance-providers/wtw) ([Compare](https://spot.insure/compare/three-vs-wtw)) — WTW describes cyber protection within its Digital Infrastructure Protector data-center solution, and its 2024 annual report describes cyber insurance solutions as a global group capability. Neither source establishes current standalone U.S. terms or eligibility. - [Zurich U.S.](https://spot.insure/insurance-providers/zurich) ([Compare](https://spot.insure/compare/three-vs-zurich)) — Zurich markets cyber insurance for businesses; cover and policy form depend on the selected product. ### D&O Insurance - [AIG](https://spot.insure/insurance-providers/aig) ([Compare](https://spot.insure/compare/aig-vs-three)) — AIG Directors & Officers Liability - [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk) ([Compare](https://spot.insure/compare/alliance-risk-vs-three)) — Alliance Risk arranges directors and officers liability insurance. - [Amelia Risk](https://spot.insure/insurance-providers/amelia-risk) ([Compare](https://spot.insure/compare/amelia-risk-vs-three)) — Amelia Risk arranges directors and officers liability. - [Aon](https://spot.insure/insurance-providers/aon) ([Compare](https://spot.insure/compare/aon-vs-three)) — Aon describes D&O brokerage and program services in a global practice; this does not identify the producer, insurer or state availability for a particular U.S. placement. - [Beazley](https://spot.insure/insurance-providers/beazley) ([Compare](https://spot.insure/compare/beazley-vs-three)) — Beazley offers directors and officers liability insurance for private organizations through ExecuGuard. - [Berkshire Hathaway Specialty Insurance](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) ([Compare](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three)) — Executive First D&O liability materials describe separate public-company and private-company products. - [CFC](https://spot.insure/insurance-providers/cfc) ([Compare](https://spot.insure/compare/cfc-vs-three)) — CFC offers directors and officers liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies. - [Chubb](https://spot.insure/insurance-providers/chubb) ([Compare](https://spot.insure/compare/chubb-vs-three)) — Chubb offers directors and officers liability insurance for smaller privately held companies through ForeFront. - [CNA](https://spot.insure/insurance-providers/cna) ([Compare](https://spot.insure/compare/cna-vs-three)) - [Coalition](https://spot.insure/insurance-providers/coalition) ([Compare](https://spot.insure/compare/coalition-vs-three)) — Coalition offers directors and officers liability through its executive-risks product for private and nonprofit US organizations. - [Corgi](https://spot.insure/insurance-providers/corgi) ([Compare](https://spot.insure/compare/corgi-vs-three)) — Corgi lists directors and officers insurance among its business insurance offerings. - [Counterpart](https://spot.insure/insurance-providers/counterpart) ([Compare](https://spot.insure/compare/counterpart-vs-three)) — Distinct private-company and nonprofit D&O product pages; class and insurer vary by placement. - [Coverdash](https://spot.insure/insurance-providers/coverdash) ([Compare](https://spot.insure/compare/coverdash-vs-three)) — Coverdash lists directors and officers insurance in its coverage catalog. - [Cowbell](https://spot.insure/insurance-providers/cowbell) ([Compare](https://spot.insure/compare/cowbell-vs-three)) — Cowbell offers Zurich Select Plus D&O for small and medium private companies, available through appointed Zurich E&S wholesalers. - [Embroker](https://spot.insure/insurance-providers/embroker) ([Compare](https://spot.insure/compare/embroker-vs-three)) — Embroker lists directors and officers insurance with a quote route. - [Founder Shield](https://spot.insure/insurance-providers/foundershield) ([Compare](https://spot.insure/compare/foundershield-vs-three)) — Founder Shield lists directors and officers insurance among its core offerings. - [Gallagher](https://spot.insure/insurance-providers/gallagher) ([Compare](https://spot.insure/compare/gallagher-vs-three)) — Gallagher arranges directors and officers liability. - [Heffernan Insurance Brokers](https://spot.insure/insurance-providers/heffernan) ([Compare](https://spot.insure/compare/heffernan-vs-three)) — Heffernan arranges directors and officers liability. - [HUB International](https://spot.insure/insurance-providers/hub-international) ([Compare](https://spot.insure/compare/hub-international-vs-three)) — HUB International arranges directors and officers liability insurance. - [Kinro](https://spot.insure/insurance-providers/kinro) ([Compare](https://spot.insure/compare/kinro-vs-three)) — Kinro lists directors and officers insurance and compares business details with carrier appetite. - [Liberty Mutual](https://spot.insure/insurance-providers/liberty-mutual) ([Compare](https://spot.insure/compare/liberty-mutual-vs-three)) - [Lockton](https://spot.insure/insurance-providers/lockton) ([Compare](https://spot.insure/compare/lockton-vs-three)) — Lockton arranges directors and officers liability insurance. - [Markel Insurance](https://spot.insure/insurance-providers/markel) ([Compare](https://spot.insure/compare/markel-vs-three)) — Markel private and nonprofit D&O - [Marsh](https://spot.insure/insurance-providers/marsh) ([Compare](https://spot.insure/compare/marsh-vs-three)) — Marsh arranges directors and officers liability insurance. - [Marsh McLennan Agency](https://spot.insure/insurance-providers/marsh-mclennan-agency) ([Compare](https://spot.insure/compare/marsh-mclennan-agency-vs-three)) - [Nationwide](https://spot.insure/insurance-providers/nationwide) ([Compare](https://spot.insure/compare/nationwide-vs-three)) — Nationwide Management Liability & Specialty markets a distinct D&O product. The reviewed materials do not establish issuer or form for a particular risk. - [Newfront](https://spot.insure/insurance-providers/newfront) ([Compare](https://spot.insure/compare/newfront-vs-three)) — Newfront lists D&O for private and public companies within its executive-risk services. - [Relm Insurance](https://spot.insure/insurance-providers/relm) ([Compare](https://spot.insure/compare/relm-vs-three)) — Relm lists directors and officers liability for placement through brokers. - [RiskCube](https://spot.insure/insurance-providers/riskcube) ([Compare](https://spot.insure/compare/riskcube-vs-three)) — RiskCube arranges directors and officers liability insurance for startups. - [Risklytics](https://spot.insure/insurance-providers/risklytics) ([Compare](https://spot.insure/compare/risklytics-vs-three)) — Risklytics arranges directors and officers liability insurance for robotics, hardware and AI businesses. - [StartupInsurance.ai](https://spot.insure/insurance-providers/startupinsurance) ([Compare](https://spot.insure/compare/startupinsurance-vs-three)) — StartupInsurance.ai arranges directors and officers liability insurance for startups. - [TechInsurance](https://spot.insure/insurance-providers/techinsurance) ([Compare](https://spot.insure/compare/techinsurance-vs-three)) — TechInsurance arranges directors and officers liability insurance for small businesses. - [The Baldwin Group](https://spot.insure/insurance-providers/baldwin) ([Compare](https://spot.insure/compare/baldwin-vs-three)) — Listed within management-liability coverage for named business sectors; the dedicated D&O page discusses advisory programs for public companies, IPOs and SPACs. - [The Hartford](https://spot.insure/insurance-providers/the-hartford) ([Compare](https://spot.insure/compare/the-hartford-vs-three)) — The Hartford offers directors and officers liability for private, public and nonprofit organizations. - [Travelers](https://spot.insure/insurance-providers/travelers) ([Compare](https://spot.insure/compare/three-vs-travelers)) — Travelers offers directors and officers liability insurance. - [USI Insurance Services](https://spot.insure/insurance-providers/usi) ([Compare](https://spot.insure/compare/three-vs-usi)) — USI arranges directors and officers liability insurance. - [Vouch](https://spot.insure/insurance-providers/vouch) ([Compare](https://spot.insure/compare/three-vs-vouch)) — Vouch lists directors and officers insurance in its technology-company programs. - [WithCoverage](https://spot.insure/insurance-providers/withcoverage) ([Compare](https://spot.insure/compare/three-vs-withcoverage)) — WithCoverage reviews D&O exposures in technology-company insurance programs and offers broker-transition support. - [Zurich U.S.](https://spot.insure/insurance-providers/zurich) ([Compare](https://spot.insure/compare/three-vs-zurich)) — Zurich markets directors and officers liability insurance. ### Employment Practices Liability Insurance - [AIG](https://spot.insure/insurance-providers/aig) ([Compare](https://spot.insure/compare/aig-vs-three)) — AIG Employment Practices Liability Insurance - [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk) ([Compare](https://spot.insure/compare/alliance-risk-vs-three)) — Alliance Risk arranges employment practices liability insurance. - [Amelia Risk](https://spot.insure/insurance-providers/amelia-risk) ([Compare](https://spot.insure/compare/amelia-risk-vs-three)) — Amelia Risk arranges employment practices liability. - [Aon](https://spot.insure/insurance-providers/aon) ([Compare](https://spot.insure/compare/aon-vs-three)) — Aon lists EPL for professional-services firms in a global practice; this does not establish eligibility for every U.S. employer or state. - [Beazley](https://spot.insure/insurance-providers/beazley) ([Compare](https://spot.insure/compare/beazley-vs-three)) — Beazley offers employment practices liability insurance for private organizations through ExecuGuard. - [Berkshire Hathaway Specialty Insurance](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) ([Compare](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three)) — BHSI lists employment-practices liability within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, fiduciary, crime and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not an EPL-specific limit. - [CFC](https://spot.insure/insurance-providers/cfc) ([Compare](https://spot.insure/compare/cfc-vs-three)) — CFC offers employment practices liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies. CFC does not write standalone employment practices liability. - [Chubb](https://spot.insure/insurance-providers/chubb) ([Compare](https://spot.insure/compare/chubb-vs-three)) — Chubb offers employment practices liability insurance. - [CNA](https://spot.insure/insurance-providers/cna) ([Compare](https://spot.insure/compare/cna-vs-three)) - [Coalition](https://spot.insure/insurance-providers/coalition) ([Compare](https://spot.insure/compare/coalition-vs-three)) — Coalition offers employment practices liability through its executive-risks product for private and nonprofit US organizations. - [Corgi](https://spot.insure/insurance-providers/corgi) ([Compare](https://spot.insure/compare/corgi-vs-three)) — Corgi lists employment practices liability among its business-insurance offerings. - [Counterpart](https://spot.insure/insurance-providers/counterpart) ([Compare](https://spot.insure/compare/counterpart-vs-three)) — Named Employment Practices Liability product; examples and policy terms govern. - [Coverdash](https://spot.insure/insurance-providers/coverdash) ([Compare](https://spot.insure/compare/coverdash-vs-three)) — Coverdash lists employment practices coverage in its quote catalog. - [Cowbell](https://spot.insure/insurance-providers/cowbell) ([Compare](https://spot.insure/compare/cowbell-vs-three)) — Cowbell offers Zurich Select Plus employment practices coverage for small and medium private companies, available through appointed Zurich E&S wholesalers. - [Embroker](https://spot.insure/insurance-providers/embroker) ([Compare](https://spot.insure/compare/embroker-vs-three)) — Embroker offers quotes for employment practices liability as an individual coverage. - [Founder Shield](https://spot.insure/insurance-providers/foundershield) ([Compare](https://spot.insure/compare/foundershield-vs-three)) — Founder Shield lists employment practices liability among its core coverage services. - [Gallagher](https://spot.insure/insurance-providers/gallagher) ([Compare](https://spot.insure/compare/gallagher-vs-three)) — Gallagher arranges employment practices liability. - [Heffernan Insurance Brokers](https://spot.insure/insurance-providers/heffernan) ([Compare](https://spot.insure/compare/heffernan-vs-three)) — Heffernan arranges employment practices liability. - [HUB International](https://spot.insure/insurance-providers/hub-international) ([Compare](https://spot.insure/compare/hub-international-vs-three)) — HUB International arranges employment practices liability insurance. - [Liberty Mutual](https://spot.insure/insurance-providers/liberty-mutual) ([Compare](https://spot.insure/compare/liberty-mutual-vs-three)) - [Lockton](https://spot.insure/insurance-providers/lockton) ([Compare](https://spot.insure/compare/lockton-vs-three)) — Lockton arranges employment practices liability insurance. - [Markel Insurance](https://spot.insure/insurance-providers/markel) ([Compare](https://spot.insure/compare/markel-vs-three)) — Markel employment practices liability - [Marsh](https://spot.insure/insurance-providers/marsh) ([Compare](https://spot.insure/compare/marsh-vs-three)) — Marsh arranges employment practices liability insurance. - [Marsh McLennan Agency](https://spot.insure/insurance-providers/marsh-mclennan-agency) ([Compare](https://spot.insure/compare/marsh-mclennan-agency-vs-three)) - [Nationwide](https://spot.insure/insurance-providers/nationwide) ([Compare](https://spot.insure/compare/nationwide-vs-three)) — Nationwide markets EPLI through small-business and management-liability channels; the reviewed pages do not establish a standard grant or eligibility. - [Newfront](https://spot.insure/insurance-providers/newfront) ([Compare](https://spot.insure/compare/newfront-vs-three)) — Newfront lists employment practices liability within its executive-risk placement and coverage-negotiation services. - [Relm Insurance](https://spot.insure/insurance-providers/relm) ([Compare](https://spot.insure/compare/relm-vs-three)) — Relm lists employment practices liability for placement through brokers. - [RiskCube](https://spot.insure/insurance-providers/riskcube) ([Compare](https://spot.insure/compare/riskcube-vs-three)) — RiskCube arranges employment practices liability insurance for startups. - [StartupInsurance.ai](https://spot.insure/insurance-providers/startupinsurance) ([Compare](https://spot.insure/compare/startupinsurance-vs-three)) — StartupInsurance.ai arranges employment practices liability insurance for startups. - [TechInsurance](https://spot.insure/insurance-providers/techinsurance) ([Compare](https://spot.insure/compare/techinsurance-vs-three)) — TechInsurance arranges employment practices liability insurance for small businesses. - [The Baldwin Group](https://spot.insure/insurance-providers/baldwin) ([Compare](https://spot.insure/compare/baldwin-vs-three)) — Listed as employment-practices liability for the named commercial sector examples. - [The Hartford](https://spot.insure/insurance-providers/the-hartford) ([Compare](https://spot.insure/compare/the-hartford-vs-three)) — The Hartford offers employment practices liability through business owner’s and management-liability products; EPL built into its business owner’s policy is not available in California, Minnesota, North Dakota or New York. - [Travelers](https://spot.insure/insurance-providers/travelers) ([Compare](https://spot.insure/compare/three-vs-travelers)) — Travelers offers employment practices liability insurance. - [USI Insurance Services](https://spot.insure/insurance-providers/usi) ([Compare](https://spot.insure/compare/three-vs-usi)) — USI arranges employment practices liability insurance. - [Vouch](https://spot.insure/insurance-providers/vouch) ([Compare](https://spot.insure/compare/three-vs-vouch)) — Vouch lists employment practices liability within its insurance programs for technology companies. - [WTW](https://spot.insure/insurance-providers/wtw) ([Compare](https://spot.insure/compare/three-vs-wtw)) — WTW’s 2024 annual report describes employment-practices insurance solutions as a group capability. The filing is historical and global; current U.S. placement terms and eligibility remain unknown. - [Zurich U.S.](https://spot.insure/insurance-providers/zurich) ([Compare](https://spot.insure/compare/three-vs-zurich)) — Zurich markets Employment Practices Liability Insurance (EPLI). ### Equipment Breakdown Insurance - [AIG](https://spot.insure/insurance-providers/aig) ([Compare](https://spot.insure/compare/aig-vs-three)) — AIG Programs lists equipment breakdown in named program schedules including the manufactured-housing program; schedule-specific membership only. - [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk) ([Compare](https://spot.insure/compare/alliance-risk-vs-three)) — Alliance Risk arranges equipment breakdown insurance. - [Chubb](https://spot.insure/insurance-providers/chubb) ([Compare](https://spot.insure/compare/chubb-vs-three)) — Chubb offers equipment breakdown insurance. - [CNA](https://spot.insure/insurance-providers/cna) ([Compare](https://spot.insure/compare/cna-vs-three)) - [Coverdash](https://spot.insure/insurance-providers/coverdash) ([Compare](https://spot.insure/compare/coverdash-vs-three)) — Coverdash lists equipment breakdown in its quote catalog. - [Gallagher](https://spot.insure/insurance-providers/gallagher) ([Compare](https://spot.insure/compare/gallagher-vs-three)) — Gallagher arranges boiler and machinery coverage through its property practice. - [HUB International](https://spot.insure/insurance-providers/hub-international) ([Compare](https://spot.insure/compare/hub-international-vs-three)) — HUB International arranges equipment breakdown insurance. - [Liberty Mutual](https://spot.insure/insurance-providers/liberty-mutual) ([Compare](https://spot.insure/compare/liberty-mutual-vs-three)) - [Markel Insurance](https://spot.insure/insurance-providers/markel) ([Compare](https://spot.insure/compare/markel-vs-three)) — Equipment-breakdown option within property coverage; standalone product not established - [Marsh](https://spot.insure/insurance-providers/marsh) ([Compare](https://spot.insure/compare/marsh-vs-three)) — Marsh arranges equipment breakdown insurance, including for data centers. - [Nationwide](https://spot.insure/insurance-providers/nationwide) ([Compare](https://spot.insure/compare/nationwide-vs-three)) — Nationwide presents equipment breakdown under its BOP coverages; the individual policy controls inclusion and terms. - [Newfront](https://spot.insure/insurance-providers/newfront) ([Compare](https://spot.insure/compare/newfront-vs-three)) — Newfront offers equipment breakdown solutions through its property practice. - [The Baldwin Group](https://spot.insure/insurance-providers/baldwin) ([Compare](https://spot.insure/compare/baldwin-vs-three)) — Listed as machinery/equipment breakdown for digital-infrastructure and transportation exposures. - [Travelers](https://spot.insure/insurance-providers/travelers) ([Compare](https://spot.insure/compare/three-vs-travelers)) — Travelers offers equipment breakdown insurance. ### Fiduciary Liability Insurance - [AIG](https://spot.insure/insurance-providers/aig) ([Compare](https://spot.insure/compare/aig-vs-three)) — AIG Fiduciary Liability Insurance / Fiduciary Edge - [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk) ([Compare](https://spot.insure/compare/alliance-risk-vs-three)) — Alliance Risk arranges fiduciary liability insurance. - [Amelia Risk](https://spot.insure/insurance-providers/amelia-risk) ([Compare](https://spot.insure/compare/amelia-risk-vs-three)) — Amelia Risk arranges fiduciary liability. - [Aon](https://spot.insure/insurance-providers/aon) ([Compare](https://spot.insure/compare/aon-vs-three)) — Aon lists fiduciary liability within its global Professional Services Practice for law, accounting and consulting firms; U.S. availability and specific policy terms are not established. - [Beazley](https://spot.insure/insurance-providers/beazley) ([Compare](https://spot.insure/compare/beazley-vs-three)) — Beazley offers fiduciary liability insurance for private organizations through ExecuGuard. - [Berkshire Hathaway Specialty Insurance](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) ([Compare](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three)) — BHSI lists fiduciary liability within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, employment-practices, crime and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not a fiduciary-specific limit. - [CFC](https://spot.insure/insurance-providers/cfc) ([Compare](https://spot.insure/compare/cfc-vs-three)) — CFC offers fiduciary liability in its US management-liability package for eligible organizations outside California, excluding US publicly traded companies. - [Chubb](https://spot.insure/insurance-providers/chubb) ([Compare](https://spot.insure/compare/chubb-vs-three)) — Chubb offers fiduciary liability insurance. - [CNA](https://spot.insure/insurance-providers/cna) ([Compare](https://spot.insure/compare/cna-vs-three)) - [Coalition](https://spot.insure/insurance-providers/coalition) ([Compare](https://spot.insure/compare/coalition-vs-three)) — Coalition offers fiduciary liability through its executive-risks product for private and nonprofit US organizations. - [Corgi](https://spot.insure/insurance-providers/corgi) ([Compare](https://spot.insure/compare/corgi-vs-three)) — Corgi lists fiduciary liability in its coverage catalog and package options. - [Counterpart](https://spot.insure/insurance-providers/counterpart) ([Compare](https://spot.insure/compare/counterpart-vs-three)) — Named Fiduciary Liability product for benefit-plan exposures; law and policy terms govern. - [Coverdash](https://spot.insure/insurance-providers/coverdash) ([Compare](https://spot.insure/compare/coverdash-vs-three)) — Coverdash lists fiduciary coverage in its coverage hub. - [Cowbell](https://spot.insure/insurance-providers/cowbell) ([Compare](https://spot.insure/compare/cowbell-vs-three)) — Cowbell offers Zurich Select Plus fiduciary liability for small and medium private companies, available through appointed Zurich E&S wholesalers. - [Embroker](https://spot.insure/insurance-providers/embroker) ([Compare](https://spot.insure/compare/embroker-vs-three)) — Embroker lists fiduciary liability with a quote route. - [Founder Shield](https://spot.insure/insurance-providers/foundershield) ([Compare](https://spot.insure/compare/foundershield-vs-three)) — Founder Shield lists fiduciary liability among its core coverages. - [Gallagher](https://spot.insure/insurance-providers/gallagher) ([Compare](https://spot.insure/compare/gallagher-vs-three)) — Gallagher arranges fiduciary liability. - [Heffernan Insurance Brokers](https://spot.insure/insurance-providers/heffernan) ([Compare](https://spot.insure/compare/heffernan-vs-three)) — Heffernan arranges fiduciary liability. - [HUB International](https://spot.insure/insurance-providers/hub-international) ([Compare](https://spot.insure/compare/hub-international-vs-three)) — HUB International arranges fiduciary liability insurance. - [Liberty Mutual](https://spot.insure/insurance-providers/liberty-mutual) ([Compare](https://spot.insure/compare/liberty-mutual-vs-three)) - [Lockton](https://spot.insure/insurance-providers/lockton) ([Compare](https://spot.insure/compare/lockton-vs-three)) — Lockton arranges fiduciary liability insurance. - [Markel Insurance](https://spot.insure/insurance-providers/markel) ([Compare](https://spot.insure/compare/markel-vs-three)) — Markel fiduciary liability - [Marsh](https://spot.insure/insurance-providers/marsh) ([Compare](https://spot.insure/compare/marsh-vs-three)) — Marsh McLennan Agency (MMA), a Marsh business, arranges fiduciary liability insurance. - [Marsh McLennan Agency](https://spot.insure/insurance-providers/marsh-mclennan-agency) ([Compare](https://spot.insure/compare/marsh-mclennan-agency-vs-three)) - [Nationwide](https://spot.insure/insurance-providers/nationwide) ([Compare](https://spot.insure/compare/nationwide-vs-three)) — Nationwide Management Liability & Specialty lists fiduciary liability as a distinct commercial-liability product; terms and availability remain quote-specific. - [Newfront](https://spot.insure/insurance-providers/newfront) ([Compare](https://spot.insure/compare/newfront-vs-three)) — Newfront lists fiduciary coverage among its executive-risk brokerage services. - [Relm Insurance](https://spot.insure/insurance-providers/relm) ([Compare](https://spot.insure/compare/relm-vs-three)) — Relm lists fiduciary liability for placement through brokers. - [RiskCube](https://spot.insure/insurance-providers/riskcube) ([Compare](https://spot.insure/compare/riskcube-vs-three)) — RiskCube arranges fiduciary liability insurance for startups. - [StartupInsurance.ai](https://spot.insure/insurance-providers/startupinsurance) ([Compare](https://spot.insure/compare/startupinsurance-vs-three)) — StartupInsurance.ai arranges fiduciary liability insurance for startups. - [The Baldwin Group](https://spot.insure/insurance-providers/baldwin) ([Compare](https://spot.insure/compare/baldwin-vs-three)) — Listed as fiduciary liability for named commercial-sector audiences. - [The Hartford](https://spot.insure/insurance-providers/the-hartford) ([Compare](https://spot.insure/compare/the-hartford-vs-three)) — The Hartford offers fiduciary liability as a management-liability coverage option. - [Travelers](https://spot.insure/insurance-providers/travelers) ([Compare](https://spot.insure/compare/three-vs-travelers)) — Travelers offers fiduciary liability insurance. - [USI Insurance Services](https://spot.insure/insurance-providers/usi) ([Compare](https://spot.insure/compare/three-vs-usi)) — USI arranges fiduciary liability insurance. - [Zurich U.S.](https://spot.insure/insurance-providers/zurich) ([Compare](https://spot.insure/compare/three-vs-zurich)) — Zurich markets fiduciary liability insurance. ### General Liability Insurance - [AIG](https://spot.insure/insurance-providers/aig) ([Compare](https://spot.insure/compare/aig-vs-three)) — AIG Programs general liability (three separate program scopes) - [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk) ([Compare](https://spot.insure/compare/alliance-risk-vs-three)) — Alliance Risk arranges general liability insurance. - [Amelia Risk](https://spot.insure/insurance-providers/amelia-risk) ([Compare](https://spot.insure/compare/amelia-risk-vs-three)) — Amelia Risk arranges general liability insurance. - [Aon](https://spot.insure/insurance-providers/aon) ([Compare](https://spot.insure/compare/aon-vs-three)) — Aon lists general liability within construction liability coverage areas in its global construction practice; this does not establish a standalone or U.S.-available line. - [Beazley](https://spot.insure/insurance-providers/beazley) ([Compare](https://spot.insure/compare/beazley-vs-three)) — Beazley offers general liability insurance in packages such as its environmental-services policy. - [Berkshire Hathaway Specialty Insurance](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) ([Compare](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three)) — BHSI lists primary general liability, with contractor and pollution features described in its casualty materials. - [biBerk](https://spot.insure/insurance-providers/biberk) ([Compare](https://spot.insure/compare/biberk-vs-three)) - [CFC](https://spot.insure/insurance-providers/cfc) ([Compare](https://spot.insure/compare/cfc-vs-three)) — CFC offers general liability within its property and casualty product. - [Chubb](https://spot.insure/insurance-providers/chubb) ([Compare](https://spot.insure/compare/chubb-vs-three)) — Chubb offers general liability insurance within its commercial package products. - [CNA](https://spot.insure/insurance-providers/cna) ([Compare](https://spot.insure/compare/cna-vs-three)) - [Corgi](https://spot.insure/insurance-providers/corgi) ([Compare](https://spot.insure/compare/corgi-vs-three)) — Corgi lists commercial general liability among its business insurance offerings. - [Coterie Insurance](https://spot.insure/insurance-providers/coterie) ([Compare](https://spot.insure/compare/coterie-vs-three)) — Coterie offers general liability policies for small businesses through its partner distribution. - [Counterpart](https://spot.insure/insurance-providers/counterpart) ([Compare](https://spot.insure/compare/counterpart-vs-three)) — GL is described as a companion/package component with miscellaneous professional and lawyers liability; this does not establish broad standalone CGL. - [Coverdash](https://spot.insure/insurance-providers/coverdash) ([Compare](https://spot.insure/compare/coverdash-vs-three)) — Coverdash lists general liability in its Core Business coverage catalog with a quote route. - [Embroker](https://spot.insure/insurance-providers/embroker) ([Compare](https://spot.insure/compare/embroker-vs-three)) — Embroker offers a general liability quote route among its individual business coverages. - [ERGO NEXT Insurance](https://spot.insure/insurance-providers/next-insurance) ([Compare](https://spot.insure/compare/next-insurance-vs-three)) — ERGO NEXT offers online general liability quotes and purchasing for eligible businesses. - [Founder Shield](https://spot.insure/insurance-providers/foundershield) ([Compare](https://spot.insure/compare/foundershield-vs-three)) — Founder Shield lists general liability among its core coverage offerings. - [Foxquilt](https://spot.insure/insurance-providers/foxquilt) ([Compare](https://spot.insure/compare/foxquilt-vs-three)) — Company CGL product page; line-specific CGL membership only. - [Gallagher](https://spot.insure/insurance-providers/gallagher) ([Compare](https://spot.insure/compare/gallagher-vs-three)) — Gallagher arranges general liability insurance for small businesses. - [Harper](https://spot.insure/insurance-providers/harper) ([Compare](https://spot.insure/compare/harper-vs-three)) — Harper lists general liability in its business-insurance services and quote inquiry. - [Heffernan Insurance Brokers](https://spot.insure/insurance-providers/heffernan) ([Compare](https://spot.insure/compare/heffernan-vs-three)) — Heffernan arranges general liability insurance. - [Hiscox](https://spot.insure/insurance-providers/hiscox) ([Compare](https://spot.insure/compare/hiscox-vs-three)) — Hiscox offers general liability insurance for small businesses. - [HUB International](https://spot.insure/insurance-providers/hub-international) ([Compare](https://spot.insure/compare/hub-international-vs-three)) — HUB International arranges general liability insurance. - [Insureon](https://spot.insure/insurance-providers/insureon) ([Compare](https://spot.insure/compare/insureon-vs-three)) — Insureon markets General Liability; description does not establish insurer, policy terms, or individual availability. - [Kinro](https://spot.insure/insurance-providers/kinro) ([Compare](https://spot.insure/compare/kinro-vs-three)) — Kinro lists general liability and compares available carrier options. - [Liberty Mutual](https://spot.insure/insurance-providers/liberty-mutual) ([Compare](https://spot.insure/compare/liberty-mutual-vs-three)) - [Lockton](https://spot.insure/insurance-providers/lockton) ([Compare](https://spot.insure/compare/lockton-vs-three)) — Lockton arranges general liability insurance. - [Markel Insurance](https://spot.insure/insurance-providers/markel) ([Compare](https://spot.insure/compare/markel-vs-three)) — Markel small-business casualty and property - [Marsh](https://spot.insure/insurance-providers/marsh) ([Compare](https://spot.insure/compare/marsh-vs-three)) — Marsh arranges general liability insurance, including for data centers. - [Marsh McLennan Agency](https://spot.insure/insurance-providers/marsh-mclennan-agency) ([Compare](https://spot.insure/compare/marsh-mclennan-agency-vs-three)) - [Mylo](https://spot.insure/insurance-providers/mylo) ([Compare](https://spot.insure/compare/mylo-vs-three)) — Mylo compares general liability quotes from insurance carriers and also offers package options. - [Nationwide](https://spot.insure/insurance-providers/nationwide) ([Compare](https://spot.insure/compare/nationwide-vs-three)) — Nationwide lists general liability in its professional-office package description and BOP materials; this establishes marketing only, not standalone availability or policy scope. - [Newfront](https://spot.insure/insurance-providers/newfront) ([Compare](https://spot.insure/compare/newfront-vs-three)) — Newfront includes general liability in its casualty placement services. - [Pie Insurance](https://spot.insure/insurance-providers/pie-insurance) ([Compare](https://spot.insure/compare/pie-insurance-vs-three)) — Pie arranges general liability insurance through unaffiliated third-party insurers. - [Relm Insurance](https://spot.insure/insurance-providers/relm) ([Compare](https://spot.insure/compare/relm-vs-three)) — Relm lists general liability insurance for placement through brokers. - [RiskCube](https://spot.insure/insurance-providers/riskcube) ([Compare](https://spot.insure/compare/riskcube-vs-three)) — RiskCube arranges general liability insurance for startups. - [Risklytics](https://spot.insure/insurance-providers/risklytics) ([Compare](https://spot.insure/compare/risklytics-vs-three)) — Risklytics arranges general liability insurance for robotics, hardware and AI businesses. - [Simply Business](https://spot.insure/insurance-providers/simply-business) ([Compare](https://spot.insure/compare/simply-business-vs-three)) - [StartupInsurance.ai](https://spot.insure/insurance-providers/startupinsurance) ([Compare](https://spot.insure/compare/startupinsurance-vs-three)) — StartupInsurance.ai arranges general liability insurance for startups. - [TechInsurance](https://spot.insure/insurance-providers/techinsurance) ([Compare](https://spot.insure/compare/techinsurance-vs-three)) — TechInsurance arranges general liability insurance for small businesses. - [The Baldwin Group](https://spot.insure/insurance-providers/baldwin) ([Compare](https://spot.insure/compare/baldwin-vs-three)) — Listed as general liability for professional-services clients and as a consideration for other named business sectors. - [The Hartford](https://spot.insure/insurance-providers/the-hartford) ([Compare](https://spot.insure/compare/the-hartford-vs-three)) — The Hartford offers general liability insurance. - [Travelers](https://spot.insure/insurance-providers/travelers) ([Compare](https://spot.insure/compare/three-vs-travelers)) — Travelers offers general liability insurance. - [USI Insurance Services](https://spot.insure/insurance-providers/usi) ([Compare](https://spot.insure/compare/three-vs-usi)) — USI arranges general liability insurance. - [Vouch](https://spot.insure/insurance-providers/vouch) ([Compare](https://spot.insure/compare/three-vs-vouch)) — Vouch lists general liability among the core coverages in its technology-company programs. - [WithCoverage](https://spot.insure/insurance-providers/withcoverage) ([Compare](https://spot.insure/compare/three-vs-withcoverage)) — WithCoverage includes general liability in its insurance-program reviews, for example for construction and restaurant businesses. - [Zurich U.S.](https://spot.insure/insurance-providers/zurich) ([Compare](https://spot.insure/compare/three-vs-zurich)) — Zurich’s U.S. catalogue describes commercial general liability protection for business bodily injury, property damage and personal injury claims. ### Liquor Liability Insurance - [AIG](https://spot.insure/insurance-providers/aig) ([Compare](https://spot.insure/compare/aig-vs-three)) — AIG Programs lists liquor liability among coverages it may develop in client-specific programs; no general standalone product or universal program availability implied. - [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk) ([Compare](https://spot.insure/compare/alliance-risk-vs-three)) — Alliance Risk arranges liquor liability for businesses serving or selling alcohol. - [Corgi](https://spot.insure/insurance-providers/corgi) ([Compare](https://spot.insure/compare/corgi-vs-three)) — Corgi markets liquor liability for eligible veterans’ and fraternal lodges with licensed on-premises bars. - [Coverdash](https://spot.insure/insurance-providers/coverdash) ([Compare](https://spot.insure/compare/coverdash-vs-three)) — Coverdash lists liquor liability in its Excess & Specialty catalog with a quote route. - [Harper](https://spot.insure/insurance-providers/harper) ([Compare](https://spot.insure/compare/harper-vs-three)) — Harper includes liquor liability in its coverage directory and insurance-placement service. - [Markel Insurance](https://spot.insure/insurance-providers/markel) ([Compare](https://spot.insure/compare/markel-vs-three)) — Markel liquor liability - [WithCoverage](https://spot.insure/insurance-providers/withcoverage) ([Compare](https://spot.insure/compare/three-vs-withcoverage)) — WithCoverage includes liquor liability in its restaurant insurance-program services. ### Professional Liability (E&O) Insurance - [AIG](https://spot.insure/insurance-providers/aig) ([Compare](https://spot.insure/compare/aig-vs-three)) — AIG entity-based Professional Liability / Specialty Professional E&O - [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk) ([Compare](https://spot.insure/compare/alliance-risk-vs-three)) — Alliance Risk arranges professional liability insurance. - [Amelia Risk](https://spot.insure/insurance-providers/amelia-risk) ([Compare](https://spot.insure/compare/amelia-risk-vs-three)) — Amelia Risk arranges professional errors and omissions insurance for startups. - [Aon](https://spot.insure/insurance-providers/aon) ([Compare](https://spot.insure/compare/aon-vs-three)) — Aon describes professional-liability/E&O services for law, accounting and consulting firms; a U.S. placement and any separate technology E&O terms remain to be confirmed. - [At-Bay](https://spot.insure/insurance-providers/at-bay) ([Compare](https://spot.insure/compare/at-bay-vs-three)) — At-Bay offers primary miscellaneous professional liability insurance. - [Beazley](https://spot.insure/insurance-providers/beazley) ([Compare](https://spot.insure/compare/beazley-vs-three)) — Beazley offers professional errors and omissions insurance through MediaTech for small technology and business-services companies. - [Berkshire Hathaway Specialty Insurance](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) ([Compare](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three)) — Professional First materials describe a professional-liability portfolio with several professions and service types. - [biBerk](https://spot.insure/insurance-providers/biberk) ([Compare](https://spot.insure/compare/biberk-vs-three)) - [CFC](https://spot.insure/insurance-providers/cfc) ([Compare](https://spot.insure/compare/cfc-vs-three)) — CFC offers professional liability insurance for professional-service businesses. - [Chubb](https://spot.insure/insurance-providers/chubb) ([Compare](https://spot.insure/compare/chubb-vs-three)) — Chubb offers professional errors and omissions insurance through Pro ERM for non-licensed professional-service firms. - [CNA](https://spot.insure/insurance-providers/cna) ([Compare](https://spot.insure/compare/cna-vs-three)) — currently marketed Miscellaneous Professional Liability and Epack 3 professional-liability component - [Coalition](https://spot.insure/insurance-providers/coalition) ([Compare](https://spot.insure/compare/coalition-vs-three)) — Coalition offers miscellaneous professional liability as an addition to eligible Active Cyber policies. - [Corgi](https://spot.insure/insurance-providers/corgi) ([Compare](https://spot.insure/compare/corgi-vs-three)) — Corgi lists miscellaneous errors and omissions coverage for service-based businesses. - [Coterie Insurance](https://spot.insure/insurance-providers/coterie) ([Compare](https://spot.insure/compare/coterie-vs-three)) — Coterie lists miscellaneous professional liability for eligible small businesses in participating states. - [Counterpart](https://spot.insure/insurance-providers/counterpart) ([Compare](https://spot.insure/compare/counterpart-vs-three)) — Several separately scoped professional-liability programs; do not generalize terms across professions. - [Coverdash](https://spot.insure/insurance-providers/coverdash) ([Compare](https://spot.insure/compare/coverdash-vs-three)) — Coverdash lists professional liability in its Professional & Management catalog, separately from technology errors and omissions. - [Embroker](https://spot.insure/insurance-providers/embroker) ([Compare](https://spot.insure/compare/embroker-vs-three)) — Embroker lists professional liability (errors and omissions) for professional services, separately from lawyers professional liability and technology errors and omissions. - [ERGO NEXT Insurance](https://spot.insure/insurance-providers/next-insurance) ([Compare](https://spot.insure/compare/next-insurance-vs-three)) — ERGO NEXT lists professional liability insurance, also called errors and omissions insurance. - [Founder Shield](https://spot.insure/insurance-providers/foundershield) ([Compare](https://spot.insure/compare/foundershield-vs-three)) — Founder Shield lists errors and omissions for lawsuits alleging inferior work or service. - [Foxquilt](https://spot.insure/insurance-providers/foxquilt) ([Compare](https://spot.insure/compare/foxquilt-vs-three)) — Professional E&O product page. - [Gallagher](https://spot.insure/insurance-providers/gallagher) ([Compare](https://spot.insure/compare/gallagher-vs-three)) — Gallagher arranges professional errors and omissions insurance for small businesses. - [Harper](https://spot.insure/insurance-providers/harper) ([Compare](https://spot.insure/compare/harper-vs-three)) — Harper includes professional liability in its coverage directory and quote intake as claims about work or advice. - [Heffernan Insurance Brokers](https://spot.insure/insurance-providers/heffernan) ([Compare](https://spot.insure/compare/heffernan-vs-three)) — Heffernan arranges professional errors and omissions insurance for small businesses. - [Hiscox](https://spot.insure/insurance-providers/hiscox) ([Compare](https://spot.insure/compare/hiscox-vs-three)) — Hiscox offers professional errors and omissions insurance for small businesses. - [HUB International](https://spot.insure/insurance-providers/hub-international) ([Compare](https://spot.insure/compare/hub-international-vs-three)) — HUB International arranges professional errors and omissions insurance. - [Insureon](https://spot.insure/insurance-providers/insureon) ([Compare](https://spot.insure/compare/insureon-vs-three)) — Insureon markets Professional Liability (E&O); description does not establish insurer, policy terms, or individual availability. - [Kinro](https://spot.insure/insurance-providers/kinro) ([Compare](https://spot.insure/compare/kinro-vs-three)) — Kinro lists professional liability (errors and omissions) for claims tied to professional advice, errors, omissions or service mistakes. - [Liberty Mutual](https://spot.insure/insurance-providers/liberty-mutual) ([Compare](https://spot.insure/compare/liberty-mutual-vs-three)) - [Lockton](https://spot.insure/insurance-providers/lockton) ([Compare](https://spot.insure/compare/lockton-vs-three)) — Lockton arranges professional errors and omissions insurance. - [Markel Insurance](https://spot.insure/insurance-providers/markel) ([Compare](https://spot.insure/compare/markel-vs-three)) — Markel ProBiz miscellaneous E&O - [Marsh](https://spot.insure/insurance-providers/marsh) ([Compare](https://spot.insure/compare/marsh-vs-three)) — Marsh arranges professional errors and omissions insurance. - [Marsh McLennan Agency](https://spot.insure/insurance-providers/marsh-mclennan-agency) ([Compare](https://spot.insure/compare/marsh-mclennan-agency-vs-three)) - [Mylo](https://spot.insure/insurance-providers/mylo) ([Compare](https://spot.insure/compare/mylo-vs-three)) — Mylo compares professional liability quotes for claims from clients unhappy with professional services. - [Nationwide](https://spot.insure/insurance-providers/nationwide) ([Compare](https://spot.insure/compare/nationwide-vs-three)) — Nationwide markets professional E&O for professional-service exposures. This does not establish technology E&O or any particular profession’s acceptance. - [Newfront](https://spot.insure/insurance-providers/newfront) ([Compare](https://spot.insure/compare/newfront-vs-three)) — Newfront lists errors and omissions among its executive-risk coverage services. - [Pie Insurance](https://spot.insure/insurance-providers/pie-insurance) ([Compare](https://spot.insure/compare/pie-insurance-vs-three)) — Pie Insurance arranges professional errors and omissions insurance for small businesses through third-party insurers. - [Relm Insurance](https://spot.insure/insurance-providers/relm) ([Compare](https://spot.insure/compare/relm-vs-three)) — Relm lists professional errors and omissions insurance for placement through brokers. - [Simply Business](https://spot.insure/insurance-providers/simply-business) ([Compare](https://spot.insure/compare/simply-business-vs-three)) - [StartupInsurance.ai](https://spot.insure/insurance-providers/startupinsurance) ([Compare](https://spot.insure/compare/startupinsurance-vs-three)) — StartupInsurance.ai arranges professional errors and omissions insurance for startups. - [TechInsurance](https://spot.insure/insurance-providers/techinsurance) ([Compare](https://spot.insure/compare/techinsurance-vs-three)) — TechInsurance arranges professional errors and omissions insurance for small businesses. - [The Baldwin Group](https://spot.insure/insurance-providers/baldwin) ([Compare](https://spot.insure/compare/baldwin-vs-three)) — Listed as professional liability/E&O for professional-services and government-contractor audiences. - [The Hartford](https://spot.insure/insurance-providers/the-hartford) ([Compare](https://spot.insure/compare/the-hartford-vs-three)) — The Hartford offers professional liability insurance for service businesses. - [Travelers](https://spot.insure/insurance-providers/travelers) ([Compare](https://spot.insure/compare/three-vs-travelers)) — Travelers offers professional errors and omissions insurance. - [USI Insurance Services](https://spot.insure/insurance-providers/usi) ([Compare](https://spot.insure/compare/three-vs-usi)) — USI arranges professional errors and omissions insurance. - [Vouch](https://spot.insure/insurance-providers/vouch) ([Compare](https://spot.insure/compare/three-vs-vouch)) — Vouch lists errors and omissions among the core coverages in its professional-services programs. - [WithCoverage](https://spot.insure/insurance-providers/withcoverage) ([Compare](https://spot.insure/compare/three-vs-withcoverage)) — WithCoverage includes errors and omissions in its technology insurance-program review services. - [WTW](https://spot.insure/insurance-providers/wtw) ([Compare](https://spot.insure/compare/three-vs-wtw)) — WTW markets financial-lines solutions, including errors and omissions, for residential real-estate stakeholders. Individual terms, insurer and placement eligibility are not established. - [Zurich U.S.](https://spot.insure/insurance-providers/zurich) ([Compare](https://spot.insure/compare/three-vs-zurich)) — Zurich markets professional errors and omissions insurance. ### Inland Marine Insurance - [AIG](https://spot.insure/insurance-providers/aig) ([Compare](https://spot.insure/compare/aig-vs-three)) — AIG Inland Marine (Transportation & Logistics; Construction & Equipment) - [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk) ([Compare](https://spot.insure/compare/alliance-risk-vs-three)) — Alliance Risk arranges inland marine coverage for goods, tools and equipment in transit or off-site. - [Berkshire Hathaway Specialty Insurance](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) ([Compare](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-three)) — BHSI lists inland transit, motor-truck cargo, warehouse legal liability, contractor equipment, and floaters under Inland Marine. - [Chubb](https://spot.insure/insurance-providers/chubb) ([Compare](https://spot.insure/compare/chubb-vs-three)) — Chubb offers inland marine insurance. - [CNA](https://spot.insure/insurance-providers/cna) ([Compare](https://spot.insure/compare/cna-vs-three)) - [Coverdash](https://spot.insure/insurance-providers/coverdash) ([Compare](https://spot.insure/compare/coverdash-vs-three)) — Coverdash arranges inland marine insurance. - [Foxquilt](https://spot.insure/insurance-providers/foxquilt) ([Compare](https://spot.insure/compare/foxquilt-vs-three)) — Foxquilt lists Inland Marine among primary coverages; the ConvertLabs cleaner program describes limited mobile-equipment coverage (also called Inland Marine) commonly used by janitorial providers. This does not establish broad standalone inland-marine terms. - [Harper](https://spot.insure/insurance-providers/harper) ([Compare](https://spot.insure/compare/harper-vs-three)) — Harper arranges inland marine coverage for tools and equipment that leave the shop. - [HUB International](https://spot.insure/insurance-providers/hub-international) ([Compare](https://spot.insure/compare/hub-international-vs-three)) — HUB International arranges inland marine insurance through its marine practice. - [Insureon](https://spot.insure/insurance-providers/insureon) ([Compare](https://spot.insure/compare/insureon-vs-three)) — Insureon markets Tools and Equipment Insurance; description does not establish insurer, policy terms, or individual availability. - [Kinro](https://spot.insure/insurance-providers/kinro) ([Compare](https://spot.insure/compare/kinro-vs-three)) — Kinro arranges tools and equipment coverage through its inland marine offering. - [Liberty Mutual](https://spot.insure/insurance-providers/liberty-mutual) ([Compare](https://spot.insure/compare/liberty-mutual-vs-three)) - [Markel Insurance](https://spot.insure/insurance-providers/markel) ([Compare](https://spot.insure/compare/markel-vs-three)) — Markel commercial inland marine - [Nationwide](https://spot.insure/insurance-providers/nationwide) ([Compare](https://spot.insure/compare/nationwide-vs-three)) — Nationwide markets inland-marine products including contractor equipment and installation floaters; product availability and covered property vary. - [Relm Insurance](https://spot.insure/insurance-providers/relm) ([Compare](https://spot.insure/compare/relm-vs-three)) — Relm lists inland marine insurance for placement through brokers. - [Risklytics](https://spot.insure/insurance-providers/risklytics) ([Compare](https://spot.insure/compare/risklytics-vs-three)) — Risklytics arranges inland marine equipment coverage for robotics, hardware and AI businesses. - [Simply Business](https://spot.insure/insurance-providers/simply-business) ([Compare](https://spot.insure/compare/simply-business-vs-three)) - [StartupInsurance.ai](https://spot.insure/insurance-providers/startupinsurance) ([Compare](https://spot.insure/compare/startupinsurance-vs-three)) — StartupInsurance.ai arranges inland marine insurance for startups. - [TechInsurance](https://spot.insure/insurance-providers/techinsurance) ([Compare](https://spot.insure/compare/techinsurance-vs-three)) — TechInsurance arranges inland marine coverage for contractors’ tools and equipment. - [The Baldwin Group](https://spot.insure/insurance-providers/baldwin) ([Compare](https://spot.insure/compare/baldwin-vs-three)) — Baldwin lists inland and ocean marine among coverages that may be considered for digital-infrastructure clients; this entry covers inland marine only. - [The Hartford](https://spot.insure/insurance-providers/the-hartford) ([Compare](https://spot.insure/compare/the-hartford-vs-three)) — The Hartford offers inland marine insurance for midsize and large businesses. - [Travelers](https://spot.insure/insurance-providers/travelers) ([Compare](https://spot.insure/compare/three-vs-travelers)) — Travelers offers inland marine insurance. - [Zurich U.S.](https://spot.insure/insurance-providers/zurich) ([Compare](https://spot.insure/compare/three-vs-zurich)) — Zurich’s commercial property page separately lists Inland Marine coverages, including contractors’ equipment and warehouse liability; do not equate its broader Marine portfolio with this line. ### Workers’ Compensation Insurance - [AIG](https://spot.insure/insurance-providers/aig) ([Compare](https://spot.insure/compare/aig-vs-three)) — AIG Workers’ Compensation options by distinct channel - [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk) ([Compare](https://spot.insure/compare/alliance-risk-vs-three)) — Alliance Risk arranges workers’ compensation insurance. - [Amelia Risk](https://spot.insure/insurance-providers/amelia-risk) ([Compare](https://spot.insure/compare/amelia-risk-vs-three)) — Amelia Risk arranges workers’ compensation insurance. - [Aon](https://spot.insure/insurance-providers/aon) ([Compare](https://spot.insure/compare/aon-vs-three)) — Aon lists workers compensation among global construction coverage areas; this does not establish state availability or a placement. - [biBerk](https://spot.insure/insurance-providers/biberk) ([Compare](https://spot.insure/compare/biberk-vs-three)) - [Chubb](https://spot.insure/insurance-providers/chubb) ([Compare](https://spot.insure/compare/chubb-vs-three)) — Chubb offers workers’ compensation insurance for small businesses, from one employee up to $30 million in revenue, including technology companies. - [CNA](https://spot.insure/insurance-providers/cna) ([Compare](https://spot.insure/compare/cna-vs-three)) - [Corgi](https://spot.insure/insurance-providers/corgi) ([Compare](https://spot.insure/compare/corgi-vs-three)) — Corgi lists workers’ compensation insurance. - [Coverdash](https://spot.insure/insurance-providers/coverdash) ([Compare](https://spot.insure/compare/coverdash-vs-three)) — Coverdash lists workers’ compensation insurance. - [Embroker](https://spot.insure/insurance-providers/embroker) ([Compare](https://spot.insure/compare/embroker-vs-three)) — Embroker arranges workers’ compensation insurance. - [ERGO NEXT Insurance](https://spot.insure/insurance-providers/next-insurance) ([Compare](https://spot.insure/compare/next-insurance-vs-three)) — ERGO NEXT offers workers’ compensation insurance for small businesses. - [Founder Shield](https://spot.insure/insurance-providers/foundershield) ([Compare](https://spot.insure/compare/foundershield-vs-three)) — Founder Shield lists workers’ compensation insurance. - [Foxquilt](https://spot.insure/insurance-providers/foxquilt) ([Compare](https://spot.insure/compare/foxquilt-vs-three)) — Workers’ compensation page; state requirements vary. - [Gallagher](https://spot.insure/insurance-providers/gallagher) ([Compare](https://spot.insure/compare/gallagher-vs-three)) — Gallagher arranges workers’ compensation insurance for small businesses. - [Harper](https://spot.insure/insurance-providers/harper) ([Compare](https://spot.insure/compare/harper-vs-three)) — Harper arranges workers’ compensation insurance. - [Heffernan Insurance Brokers](https://spot.insure/insurance-providers/heffernan) ([Compare](https://spot.insure/compare/heffernan-vs-three)) — Heffernan arranges workers’ compensation insurance. - [Hiscox](https://spot.insure/insurance-providers/hiscox) ([Compare](https://spot.insure/compare/hiscox-vs-three)) — Hiscox provides access to workers’ compensation underwritten by Hartford Fire Insurance Company and requires a general liability policy. - [HUB International](https://spot.insure/insurance-providers/hub-international) ([Compare](https://spot.insure/compare/hub-international-vs-three)) — HUB International arranges workers’ compensation insurance. - [Insureon](https://spot.insure/insurance-providers/insureon) ([Compare](https://spot.insure/compare/insureon-vs-three)) — Insureon markets Workers’ Compensation; description does not establish insurer, policy terms, or individual availability. - [Kinro](https://spot.insure/insurance-providers/kinro) ([Compare](https://spot.insure/compare/kinro-vs-three)) — Kinro arranges workers’ compensation insurance and reviews state, payroll and class-code questions. - [Liberty Mutual](https://spot.insure/insurance-providers/liberty-mutual) ([Compare](https://spot.insure/compare/liberty-mutual-vs-three)) - [Lockton](https://spot.insure/insurance-providers/lockton) ([Compare](https://spot.insure/compare/lockton-vs-three)) — Lockton arranges workers’ compensation insurance. - [Markel Insurance](https://spot.insure/insurance-providers/markel) ([Compare](https://spot.insure/compare/markel-vs-three)) — Markel Workers Compensation - [Marsh](https://spot.insure/insurance-providers/marsh) ([Compare](https://spot.insure/compare/marsh-vs-three)) — Marsh McLennan Agency (MMA), a Marsh business, arranges workers’ compensation insurance. - [Marsh McLennan Agency](https://spot.insure/insurance-providers/marsh-mclennan-agency) ([Compare](https://spot.insure/compare/marsh-mclennan-agency-vs-three)) - [Mylo](https://spot.insure/insurance-providers/mylo) ([Compare](https://spot.insure/compare/mylo-vs-three)) — Mylo compares workers’ compensation options from insurers. - [Nationwide](https://spot.insure/insurance-providers/nationwide) ([Compare](https://spot.insure/compare/nationwide-vs-three)) — Nationwide markets workers’ compensation and describes state-variable benefits and services. State law, policy, and employer eligibility govern. - [Newfront](https://spot.insure/insurance-providers/newfront) ([Compare](https://spot.insure/compare/newfront-vs-three)) — Newfront arranges workers’ compensation insurance through its casualty practice. - [Pie Insurance](https://spot.insure/insurance-providers/pie-insurance) ([Compare](https://spot.insure/compare/pie-insurance-vs-three)) — Pie Insurance offers workers’ compensation insurance for small businesses. - [Risklytics](https://spot.insure/insurance-providers/risklytics) ([Compare](https://spot.insure/compare/risklytics-vs-three)) — Risklytics arranges workers’ compensation insurance for robotics, hardware and AI businesses. - [Simply Business](https://spot.insure/insurance-providers/simply-business) ([Compare](https://spot.insure/compare/simply-business-vs-three)) - [StartupInsurance.ai](https://spot.insure/insurance-providers/startupinsurance) ([Compare](https://spot.insure/compare/startupinsurance-vs-three)) — StartupInsurance.ai arranges workers’ compensation insurance for startups. - [TechInsurance](https://spot.insure/insurance-providers/techinsurance) ([Compare](https://spot.insure/compare/techinsurance-vs-three)) — TechInsurance arranges workers’ compensation insurance for small businesses. - [The Baldwin Group](https://spot.insure/insurance-providers/baldwin) ([Compare](https://spot.insure/compare/baldwin-vs-three)) — Listed for named commercial sectors; Baldwin’s dedicated page describes workers’ compensation program and services. - [The Hartford](https://spot.insure/insurance-providers/the-hartford) ([Compare](https://spot.insure/compare/the-hartford-vs-three)) — The Hartford offers workers’ compensation insurance. - [Travelers](https://spot.insure/insurance-providers/travelers) ([Compare](https://spot.insure/compare/three-vs-travelers)) — Travelers offers workers’ compensation insurance. - [USI Insurance Services](https://spot.insure/insurance-providers/usi) ([Compare](https://spot.insure/compare/three-vs-usi)) — USI arranges workers’ compensation insurance. - [Vouch](https://spot.insure/insurance-providers/vouch) ([Compare](https://spot.insure/compare/three-vs-vouch)) — Vouch lists workers’ compensation among core coverages for technology companies. - [WithCoverage](https://spot.insure/insurance-providers/withcoverage) ([Compare](https://spot.insure/compare/three-vs-withcoverage)) — WithCoverage arranges workers’ compensation insurance, for example for construction and restaurant businesses. - [Zurich U.S.](https://spot.insure/insurance-providers/zurich) ([Compare](https://spot.insure/compare/three-vs-zurich)) — Zurich markets workers’ compensation insurance. ## Closest Matches - [Alliance Risk](https://spot.insure/insurance-providers/alliance-risk): documents 13 of the same 13 coverage lines - [Coverdash](https://spot.insure/insurance-providers/coverdash): documents 13 of the same 13 coverage lines - [AIG](https://spot.insure/insurance-providers/aig): documents 12 of the same 13 coverage lines - [Chubb](https://spot.insure/insurance-providers/chubb): documents 12 of the same 13 coverage lines - [CNA](https://spot.insure/insurance-providers/cna): documents 12 of the same 13 coverage lines ## Sources 1. [THREE by Berkshire Hathaway — small business insurance](https://threeinsurance.com/) 2. [The Policy](https://threeinsurance.com/the-policy) 3. [FAQs: Understanding THREE](https://threeinsurance.com/faqs) 4. [Terms & Conditions](https://threeinsurance.com/terms-conditions) 5. [Filing a Claim: Call to get started](https://threeinsurance.com/claims) 6. [Become a THREE Partner](https://threeinsurance.com/become-a-three-partner) 7. [Berkshire Hathaway Inc. 2025 Annual Report / Form 10-K](https://www.berkshirehathaway.com/2025ar/202510-k.pdf) 8. [Links to Berkshire Hathaway Subsidiary Companies](https://www.berkshirehathaway.com/subs/sublinks.html) 9. [THREE online quote application](https://quotes.threeinsurance.com/) 10. [Business Owners Policy | THREE](https://threeinsurance.com/business-owners-policy) 11. [Benefits | THREE](https://threeinsurance.com/benefits) 12. [THREE logo SVG](https://threeinsurance.com/three-logo.svg) Updated 2026-09-29. Spot is a product of Tools for Enlightenment and participates in the commercial-insurance market. This article uses public sources; provider statements and customer allegations are identified as such. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. Read the [provider profile](https://spot.insure/insurance-providers/three) for this provider's documented role and coverage. ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-providers/three/alternatives.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)