Pie Insurance vs Three: General Liability Insurance

Pie names bodily injury, property damage, reputation harm, product liability and advertising injury, and directs buyers to contact it for a quote. THREE offers online package quoting.

Sources and records

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
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
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
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
05
Commercial general liability insurance
Insurance Information Institute · Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance · accessed 2026-09-16
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
07
General Liability Insurance
Pie Insurance · What's typically covered by general liability insurance? Bodily Injury, Property Damage, Reputation Harm, Product Liability, Advertising Injury; How does general liability insurance help protect small businesses?; Make sure you're covered: Contact Us · accessed 2026-09-23

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

Carrier Partner Placement

Pie says it helps small businesses obtain general liability from its carrier partners, acting as an intermediary rather than the underwriter. THREE lists general liability within its combined Business Owners Policy and directs buyers to an online quote. Request the issuing insurer and policy form from each route so the comparison reflects the actual risk bearer and wording. [7] [1]

Claim Categories Listed

Pie describes bodily injury, property damage, reputation harm such as slander or libel, product liability and advertising injury as categories its coverage typically addresses. THREE names the GL category but the reviewed material does not detail these claim types. If products or public-facing advertising are central risks, ask THREE for those provisions and compare definitions and exclusions with Pie's proposal. [7] [1]

Starting a Quote

Pie directs general-liability prospects to contact the company through its website to start a quote. THREE describes an online quote route and licensed Small Business Advisors. Compare what information each needs about products, operations, locations and loss history, then review the same limits and deductibles. [7] [2]

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

Ask Pie which carrier will issue the policy and get the limit schedule; ask THREE to identify the issuer and whether the GL limit is separate within the package. [7] [3]
Compare treatment of product claims, reputation harm, advertising injury, bodily injury and property damage. [7] [1]

Provider coverage details

Pie Insurance

role: Pie says it helps small businesses get the best general liability coverage 'from our insurance carrier partners,' identifying itself as an intermediary rather than the underwriter for this line. General Liability product page as read on 2026-09-23.company-reportedSource ↗
insurer: The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's general liability product. General Liability product page as read on 2026-09-23.not-disclosedSource ↗
coverage: Pie lists bodily injury, property damage, reputation harm (slander and libel claims), product liability, and advertising injury as the categories its general liability coverage typically addresses. General Liability product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions.company-reportedSource ↗
eligibility: Pie calls general liability 'one of the most common types of insurance that businesses carry' and markets it to small businesses generally, cross-selling it alongside workers' compensation, commercial auto, cyber, and BOP insurance. General Liability product page as read on 2026-09-23; no minimum size or industry restriction was published.company-reportedSource ↗
application: Pie directs general liability buyers to contact the company to start a quote through its website. General Liability product page as read on 2026-09-23.company-reportedSource ↗
limits: The reviewed page does not publish limits, deductibles, or premium ranges for general liability coverage. General Liability product page as read on 2026-09-23.not-disclosedSource ↗

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 ↗