What Are the Key Differences Between Corgi and THREE by Berkshire Hathaway General Liability Insurance?
Standalone CGL or Package Component
Corgi sells CGL as a standalone policy and includes it in each startup package tier it lists. THREE presents general liability as part of its combined Business Owners Policy. A startup can compare Corgi's line-level option with the full package THREE proposes, checking whether other requested coverages are bundled and whether the CGL limit is separately stated. [6] [1]
Occurrence Form and Example Limits
Corgi describes an occurrence-based form, with illustrative limits up to $1 million per occurrence and $2 million aggregate, a $100,000 damage-to-premises sublimit, $5,000 medical payments per person and a $2,000 retention. Its standard wording excludes professional errors, cyber incidents and property in the insured's care. THREE lists the general-liability line without comparable figures or trigger details in the reviewed record. Compare the declarations and exclusions rather than treating Corgi's examples as guaranteed terms. [5] [1]
Quote and Defense Process
Corgi offers an online instant-quote route and says eligible applicants may apply and bind the same day; its insurer has a duty to defend covered claims subject to the retention. THREE directs prospects to an online package quote with licensed advisors available. Ask both who appoints defense counsel and what retention must be paid before defense begins. [5] [5] [2]
What Should You Confirm in Corgi and THREE by Berkshire Hathaway General Liability Insurance Quotes?
- Ask Corgi to confirm occurrence limits, the premises sublimit, medical payments and retention; ask THREE to list its trigger, limits and retention in writing. [5] [1]
- Compare exclusions for professional services, cyber events and property in care, custody or control, and identify who appoints defense counsel. [5] [1]