What Are the Key Differences Between Gallagher and THREE by Berkshire Hathaway Business Owner’s Policy?
What Gallagher names in its BOP
Gallagher describes general liability for bodily injury, third-party property damage, personal and advertising injury, medical expenses, and defense costs, paired with business property for rented space and equipment. It also lists exclusions including damage to a business’s own equipment and rented property, employee injuries, malpractice, and failure to protect sensitive information. THREE markets a combined BOP but does not enumerate comparable protections or exclusions in the reviewed page, so request the forms and schedules from both before assuming the packages respond alike. [4] [1]
Quote access and placement
Gallagher arranges the BOP through partner carriers and lets small businesses start with an online form, an advisor phone line, or a callback request. THREE directs buyers to an online quote and says licensed Small Business Advisors can help; its sample declarations name Berkshire Hathaway Direct Insurance Company, subject to confirmation on the issued policy. The practical choice is whether you want Gallagher’s several advisor entry points or THREE’s direct quote flow, while still confirming who issues and services the final policy. [4] [4] [2] [3]
What Should You Confirm in Gallagher and THREE by Berkshire Hathaway Business Owner’s Policy Quotes?
- Ask Gallagher which partner carrier is proposed and how its listed exclusions apply to your leased space and equipment. [4] [4]
- Ask THREE to identify included property and liability protections and the issuer on your declarations. [1] [3]
- Compare quote timing and advisor availability through each provider’s actual process. [4] [2]