What Are the Key Differences Between Gallagher and THREE by Berkshire Hathaway General Liability Insurance?
Broker-Arranged Coverage
Gallagher Small Business arranges general liability through partner carriers rather than underwriting it. THREE describes general liability as a component of its combined Business Owners Policy. Ask Gallagher which carrier and form it proposes; ask THREE to show the line and issuing insurer in its package documents so the comparison is between actual policies. [5] [1]
Claims and Costs Described
Gallagher says its general-liability coverage responds to third-party bodily injury, property damage and libel, slander or defamation claims. Its listed expenses include investigation and defense, court costs, settlements or judgments, medical expenses for injured third parties and required bond premiums. THREE's reviewed page lists the coverage but does not detail these expenses. Compare the policy language for defense costs, medical payments and any bond provisions. [5] [5] [1]
Getting a Quote
Gallagher offers an online form, a small-business advisor phone line and scheduled callback requests for starting a general-liability quote. THREE points to an online quote and licensed advisors. If you want a conversation before submitting details, compare the available callback or advisor channels and ask what business information each needs. [5] [2]