Newfront vs Three: General Liability Insurance

THREE by Berkshire Hathaway presents general liability as a component of its combined Business Owners Policy; Newfront is a broker whose casualty practice can structure guaranteed-cost, large-deductible and captive programs.

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

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

Casualty Program Structure

Newfront's casualty practice brokers general liability and says it can arrange guaranteed-cost, large-deductible, self-insurance and captive programs. It does not publish specific GL limits, deductibles or retentions. THREE lists general liability within its combined Business Owners Policy. Buyers should request the exact limit and cost structure from each proposal instead of inferring terms from the broad program descriptions. [7] [1]

Related Lines and Risk Services

Newfront lists product liability, auto, workers' compensation, umbrella or excess and environmental liability alongside general liability, and describes integrated risk control, predictive analytics and benchmarking. THREE presents general liability as a package component and offers a licensed advisor during online quoting; the reviewed record does not describe equivalent casualty analytics. A company with multiple liability exposures can ask Newfront to coordinate them and ask THREE which additional package lines are available. [7] [7] [2]

Claims Advocacy

Newfront says its casualty team manages claims through resolution and provides claims advocacy. THREE's available claim text describes quoting and package structure but not GL claim handling. Before purchase, get the claims reporting route, assigned contact and role of the broker or advisor from both providers. [7] [1]

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

  • Ask Newfront which program structure, limits, deductibles and retentions are proposed; ask THREE to provide the same figures for its GL section. [7] [1]
  • Compare claims advocacy, risk-control services and coverage for related product, auto and environmental exposures. [7] [2]

Provider coverage details

Newfront

  • role: Newfront's casualty practice brokers general liability coverage. It negotiates placement and program structure with carriers rather than underwriting the risk itself. Casualty offering page; general liability is one of several coverages the casualty practice places.company-reportedSource ↗
  • insurer: The reviewed casualty page does not name the insurer or insurers that would issue a general liability policy placed through Newfront. Casualty page as read on 2026-09-23; carrier depends on the specific placement.not-disclosedSource ↗
  • eligibility: Newfront says its casualty practice has "the expertise to protect companies of every size and scope," without a stated minimum size or industry restriction for general liability specifically. Casualty page intro paragraph; general framing, not a stated eligibility rule.company-reportedSource ↗
  • coverage: Newfront lists General Liability among the Key Coverages of its casualty program, alongside product liability, auto liability, workers' compensation, umbrella/excess liability, and environmental and pollution liability. Casualty page Key Coverages list; no description of general-liability-specific limits, endorsements or exclusions.company-reportedSource ↗
  • limits: Newfront's casualty page says it can structure guaranteed-cost, large-deductible, self-insurance and captive programs, but does not publish specific limits, deductibles or retentions for general liability. Placement Expertise section; program-structure options described in general terms for casualty overall.company-reportedSource ↗
  • services: Newfront says its casualty practice provides claims advocacy and integrated risk control resources to help clients mitigate risk exposures and reduce claim frequency and costs, alongside predictive analytics and benchmarking. Claims Advocacy & Risk Control and Predictive analytics and benchmarking sections; described casualty-wide, not general-liability-specific.company-reportedSource ↗
  • application: You start a general liability placement by requesting a consultation through Newfront's casualty page. Casualty page call-to-action; no online quoting or binding described.company-reportedSource ↗
  • claims: Newfront says its casualty claims advocacy team manages claims through resolution, which would include a general liability claim. The Newfront Difference section; casualty-wide description, not a general-liability-specific claims workflow.company-reportedSource ↗

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 ↗

Newfront can structure guaranteed-cost, large-deductible, self-insurance and captive programs but publishes no GL limit schedule. THREE offers a package quote and advisor support.

Sources and records

  1. 01
    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

  2. 02
    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

  3. 03
    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

  4. 04
    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

  5. 05
    Commercial general liability insurance

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

  6. 06
    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

  7. 07
    Casualty

    Newfront · Casualty intro: protect companies of every size and scope; Key Coverages to Protect Your Business: General Liability; Claims Advocacy & Risk Control; Placement Expertise · accessed 2026-09-23

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

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