What Are the Key Differences Between Chubb and THREE by Berkshire Hathaway General Liability Insurance?
Package Options and Pollution Exposure
Chubb does not describe general liability as a standalone public product; it packages the line in BOP, Benchmarq and Customarq, and offers GL Plus with products pollution and scalable premises pollution liability. THREE also lists general liability as part of its combined Business Owners Policy. A business with pollution exposures can ask Chubb whether GL Plus fits, while comparing the actual liability section and any pollution terms in THREE's package. [6] [1]
Revenue and Business Classes
Chubb says its package products target small businesses with up to $30 million in revenue across more than 500 classes, including technology, healthcare, retail and manufacturing. THREE's cited material directs small businesses to an online quote but gives no matching revenue ceiling or class count. Confirm how each underwriter classifies the business and whether its revenue and operations fit the offered form. [5] [2]
Risk Consulting and Claims Support
Chubb identifies Risk Consulting for GL Plus and package policyholders and describes casualty claims services for negligence and misconduct claims. THREE's reviewed claims name an online quote and licensed advisor support but do not describe comparable liability risk consulting or claim services. Ask both providers who handles a claim and whether a risk consultant is available under the specific quote. [6] [1]