What Are the Key Differences Between Embroker and THREE by Berkshire Hathaway General Liability Insurance?
Standalone Line or Bundled Policy
Embroker sells general liability as a standalone line and says it can package it with cyber or workers' compensation. THREE presents the line within its combined Business Owners Policy. A buyer can compare a separate Embroker liability policy with the full THREE package, checking whether a standalone choice changes the other coverage needed or the total premium. [5] [1]
Covered Claims and Exclusions
Embroker lists third-party bodily injury and property damage, personal injury such as libel or slander, product liability, and legal defense costs or settlements. It excludes employee injury, professional errors, employment-practices claims and damage to the insured's own property. THREE's reviewed page identifies general liability as part of the policy but does not provide the same claim detail. Compare exclusions against the business's workers, services and products. [5] [1]
Online Quote and Underwriting Inputs
Embroker says an instant online general-liability quote takes a few minutes and uses claims history and the type of products or services for underwriting. THREE likewise directs buyers to an online quote but also offers licensed advisor assistance. Ask how each evaluates prior losses, product categories and the operations listed on the application. [5] [2]
What Should You Confirm in Embroker and THREE by Berkshire Hathaway General Liability Insurance Quotes?
- Ask Embroker for the limits, exclusions and carrier on its standalone policy; ask THREE to identify its general-liability limits and package conditions. [5] [1]
- Confirm whether employees, professional services, advertising claims and products are covered or excluded under the quoted wording. [5] [1]