Alliance Risk vs Three: General Liability Insurance

THREE by Berkshire Hathaway presents general liability inside its combined Business Owners Policy, with an online quote and licensed Small Business Advisors; Alliance Risk, a broker, lists contractors, retail and hospitality as common buyers.

Montgomery Risk Partners prepared this library from Spot.Insure comparison research and underlying public records.Research updated 2026-09-30

Alliance Risk describes bodily injury, property damage and advertising injury coverage for businesses with public or customer contact. THREE lists general liability in its combined package and directs buyers to an online quote.

Sources and records

  1. 01
    General Liability Insurance

    Alliance Risk · What is General Liability Insurance?; Who Needs General Liability Insurance?; What Does General Liability Insurance Cover?; What Doesn't General Liability Insurance Cover?; How Much Does General Liability Insurance Cost?; Risk Management Tips · accessed 2026-09-23

  2. 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

  3. 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

  4. 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

  5. 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

  6. 06
    Commercial general liability insurance

    Insurance Information Institute · Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance · accessed 2026-09-16

  7. 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

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

Broker Placement or Combined Policy

Alliance Risk arranges general liability as a broker and does not issue the policy. THREE describes general liability as one component of its combined Business Owners Policy. A buyer comparing them should identify the insurer and the exact form Alliance Risk proposes, then compare that placement with the liability section and other bundled lines in THREE's quote. [1] [2]

Customer Injury and Property Damage

Alliance Risk names bodily injury, property damage, and personal or advertising injury such as libel, slander and copyright infringement as typical general-liability coverage. THREE lists General Liability as a marketed category, but its reviewed summary does not enumerate matching covered incidents. Ask THREE for the form's insuring agreements and compare both policies against the business's premises, products and advertising exposures. [1] [2]

Business Profile and Buying Route

Alliance Risk identifies contractors, retailers, hospitality businesses, consultants and manufacturers among buyers with public locations, customer contact or products. THREE directs small-business prospects to an online quote with licensed Small Business Advisors available. Those descriptions point to different placement journeys; confirm that the activity and locations in your application match the class description and quote. [1] [3]

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

  • Compare each form's bodily injury, property damage and personal or advertising injury language, along with exclusions for employee injury, professional errors, auto incidents and the insured's own property. [1] [2]
  • Ask THREE to show general-liability limits and insurer on the combined quote; ask Alliance Risk which carrier and form it is placing. [1] [4]

Provider coverage details

Alliance Risk

  • role: Alliance Risk arranges general liability (also called commercial general liability, or CGL) coverage as a broker rather than issuing the policy itself. General liability product page; the page describes the coverage generically and does not name Alliance Risk's specific placement process for this line.company-reportedSource ↗
  • insurer: The reviewed general liability page does not name the insurer that would issue a policy for a given buyer. General liability product page as read on 2026-09-23.not-disclosedSource ↗
  • eligibility: Alliance Risk targets general liability at businesses that operate a physical location open to the public, interact with clients or customers face-to-face, work on client property, advertise, or sell products or services, naming contractors and construction, retail and e-commerce, hospitality and food service, consulting, and manufacturing and distribution as common buyers. General liability product page; eligibility for a particular company depends on underwriting.company-reportedSource ↗
  • coverage: Alliance Risk lists bodily injury, property damage, and personal and advertising injury (libel, slander, copyright infringement, false advertising) as typically covered, and says employee injuries, professional errors, auto accidents, intentional acts, and damage to the policyholder's own property are excluded and belong to other lines such as workers' compensation, professional liability, commercial auto, or commercial property. General liability product page; coverage and exclusions described in general terms, subject to the policy as issued.company-reportedSource ↗
  • limits: The reviewed general liability page gives cost ranges (for example, small businesses around $500 annually up to larger enterprises near $25,000 a month) but does not publish specific coverage limits, retentions or deductible amounts for general liability. General liability product page as read on 2026-09-23; cost figures are illustrative premium estimates, not published limits.not-foundSource ↗
  • services: The reviewed general liability page does not describe a dedicated risk-control service, specialist team or claims-advocacy offering for this line beyond generic risk-management tips such as maintaining a safe work environment and using clear client contracts. General liability product page as read on 2026-09-23.not-foundSource ↗
  • application: The general liability page's only application route is a generic 'Get a quote' request; it does not list the specific submission information Alliance Risk asks for on this line, unlike its D&O, EPLI and fiduciary product pages. General liability product page as read on 2026-09-23.not-foundSource ↗
  • claims: The reviewed general liability page does not describe an Alliance Risk claims-handling or claims-advocacy process for this line. General liability product page as read on 2026-09-23.not-foundSource ↗

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 ↗

Use this comparison as a starting point for a discussion about your business and its insurance needs.

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