AIG vs Three: General Liability Insurance

What Are the Key Differences Between AIG and THREE by Berkshire Hathaway General Liability Insurance?

Program component or BOP category

AIG lists GL as a component of named programs for selected audiences, including manufactured housing and towing. THREE presents General Liability as one of several categories in its combined Business Owners Policy and offers an online quote with help from licensed Small Business Advisors. Buyers should establish whether a stand-alone AIG program or THREE’s full package better matches their property and liability needs; the THREE product page does not confirm which coverages will appear in each quote. [1] [2] [3]

Issuer and limits need quote-level proof

The reviewed THREE sample declarations name Berkshire Hathaway Direct Insurance Company as issuer, but that sample does not prove the insurer for every buyer or state. AIG’s directory likewise does not identify the insurer for an individual program placement. Ask each provider to name the proposed issuing company on your quote and declarations. [4] [1]

Package limits and deductibles

Neither overview publishes your GL limit or deductible. AIG’s page leaves covered operations and policy terms to the named program; THREE says the quote-specific insurance summary gives limits and deductibles. Compare those documents, and ask whether the quoted GL limit is separate from or shared with package limits. [1] [2]

What Should You Confirm in AIG and THREE by Berkshire Hathaway General Liability Insurance Quotes?

Which insurer and administrator issue the AIG program policy, and what GL limits and exclusions apply?
Does THREE’s quote include GL, what limits and deductible are shown, and which entity issues your policy?

Provider coverage details

AIG

role: This evidence supports general liability only within the named AIG programs cited here; it does not establish one uniform standalone general liability product across all businesses. Role in this product is limited to the description on the linked AIG source.company-reportedSource ↗
eligibility: AIG lists general liability within selected programs for audiences such as community associations, crane and rigging businesses, dental practices, leisure operations, manufactured housing, motorsports, psychoanalysts and towing operations. This is not a universal industry eligibility statement. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability.company-reportedSource ↗
coverage: The program directory identifies General Liability as a coverage component in the cited named programs. It does not publish the occurrence definitions, covered operations, limits, exclusions or endorsements for any buyer’s policy. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations.company-reportedSource ↗
services: AIG describes underwriting, claims and loss-control teams for its Program Administrators, including program development support and admitted/non-admitted structures. These program services are separate from policy entitlement. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed.company-reportedSource ↗
limits: No general liability limit, deductible or retention for a particular program is stated in the directory. Confirm the program-specific quote and issued form. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy.not-disclosedSource ↗

THREE by Berkshire Hathaway

role: THREE presents General Liability as a component of its combined Business Owners Policy rather than identifying it as a separate standalone policy on the reviewed product page. Company-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant.company-reportedSource ↗
coverage: THREE's Business Owners Policy page lists General Liability among its marketed coverage categories in the combined policy. This describes the product page, not whether the category appears in a particular quote or responds to a loss. Official THREE package marketing for General Liability. The sample policy is state-selectable and does not establish that this item is included in every quote or issued policy.company-reportedSource ↗Source ↗
insurer: The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. This is the issuer named on the public sample only; the sample does not establish the issuing entity for every state-specific quote or buyer's issued policy.company-reportedSource ↗
application: THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. This is the route for the overall THREE product. It does not show whether General Liability will be offered for a particular business or whether a customer can bind that line without an issued policy.company-reportedSource ↗
limits: The reviewed public product page does not state a separate limit or deductible for General Liability; THREE says the quote-specific insurance summary lists limits and deductibles. No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible.not-disclosedSource ↗Source ↗
eligibility: The reviewed product page does not state separate eligibility rules for General Liability; the general quote and advisor route is not proof that a particular business qualifies for it. Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms.not-disclosedSource ↗Source ↗

AIG’s public directory ties GL to selected programs; THREE markets General Liability inside its combined BOP and directs small businesses to an online quote and adviser.

Sources and records

01
AIG Programs Insurance
AIG · Official AIG program directory, lines 384–397 (community associations), 409–423 (crane/rigging), 424–437 (dental), 485–498 (leisure), 510–525 (manufactured housing), 526–543 (motorsports), 544–552 (psychoanalysts), and 611–626 (towing): named audiences and GL schedule entries. Program administration and policy caveat at lines 242–284 and 680–680. · accessed 2026-09-30
02
Business Owners Policy - THREE by Berkshire Hathaway
Berkshire Hathaway Direct Insurance Company, dba THREE · Product page: “No need for multiple policies” and one comprehensive policy; Business Liability, Property and Business Auto categories and the listed line names. Product page footer identifies Berkshire Hathaway Direct Insurance Company, dba THREE. · accessed 2026-09-30
03
Jargon-free small business insurance - THREE by Berkshire Hathaway
Berkshire Hathaway Direct Insurance Company, dba THREE · Lines 23, 39, 70–81 and 406–410: business location quote entry, single-policy description, issuer, business focus, online quote and licensed Small Business Advisor route. Quote entry inspected without submitting a form. · accessed 2026-09-30
04
The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway
Berkshire Hathaway Direct Insurance Company, dba THREE · State-selectable sample policy: Summary (Declarations) identifies Berkshire Hathaway Direct Insurance Company as issuer and says the insurance summary lists limits and deductibles; sample policy text and state selection do not establish terms for a particular quote or issued policy. · accessed 2026-09-30
05
Commercial Insurance Guide
California Department of Insurance · Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? · accessed 2026-09-16
06
Commercial general liability insurance
Insurance Information Institute · Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance · accessed 2026-09-16
07
Commercial General Liability Coverage Form
ISO; specimen hosted by Hiscox · I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12 · accessed 2026-09-16