Relm vs Three: General Liability Insurance

THREE by Berkshire Hathaway presents general liability as a component of its combined Business Owners Policy; Relm Insurance sells it as a casualty line through insurance brokers, alongside its product and excess liability products.

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

Relm names cannabis, biotech, psychedelics, aerospace, defense and technology among its focus areas and describes bodily injury, property and advertising claims.

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

Sector Focus and Access

Relm markets general liability through brokers and highlights high-growth, high-risk or regulated fields such as cannabis, biotech, psychedelic therapeutics, aerospace, defense and technology. THREE lists general liability within its combined Business Owners Policy and offers an online quote with advisor support. Companies in regulated sectors should ask Relm's broker route about appetite and ask THREE to confirm eligibility for the specific industry. [7] [2]

Claims and Exclusions

Relm describes third-party bodily injury, property damage, and personal or advertising injury such as privacy violations, copyright infringement and malicious prosecution. It says casualty generally excludes employee injuries, professional errors, intentional or criminal acts and illegal-activity damages. THREE lists the line but its cited material does not describe these claim categories or exclusions. Compare the actual forms against regulated operations and related E&O exposure. [7] [1]

Broker Route and Package Structure

Relm says buyers obtain general liability through insurance brokers and its reviewed pages do not describe direct online quoting. THREE directs prospects to an online package quote. Ask Relm which specialist broker will access markets and ask THREE whether the GL coverage can be separately adjusted within its package. [7] [2]

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

  • Ask Relm's broker which carrier, limits and regulated-industry exclusions apply; request THREE's insurer, GL limits and classification in the package. [7] [1]
  • Compare employee injury, professional errors, privacy, advertising and illegal-activity terms. [7] [1]

Provider coverage details

Relm Insurance

  • role: Relm markets General Liability Insurance (GLI) as a casualty line brokers can place for clients, grouped alongside its product and excess liability products on the same casualty page. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.company-reportedSource ↗
  • eligibility: Relm says general liability is often required by leases and by enterprise or government contracts. It highlights companies in high-growth, high-risk or heavily regulated fields such as cannabis, biotech, psychedelic therapeutics, aerospace and defense, and technology. Casualty page framing; not a guarantee of eligibility for a particular company.company-reportedSource ↗
  • coverage: Relm says GLI covers third-party bodily injury (medical expenses, legal defense, damages), third-party property damage, and personal and advertising injury claims such as libel, slander, false arrest, malicious prosecution, copyright infringement and privacy violations. Casualty page 'What is General Liability Insurance?' section; the issued policy and declarations control.company-reportedSource ↗
  • coverage: Relm says casualty coverage generally excludes employee injuries (covered by workers' compensation), professional errors (covered by E&O), intentional or criminal acts by directors or employees, and damages from illegal activities. Casualty page 'What Does Casualty Insurance Not Cover?' section; applies across Relm's casualty lines, not GLI-specific exclusions only.company-reportedSource ↗
  • insurer: The reviewed page does not name a specific issuing insurer for general liability placements. Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific.not-disclosedSource ↗
  • application: Relm sells general liability coverage through insurance brokers; its reviewed pages do not describe a direct online quote. Casualty page framing; consistent with Relm's broader broker-distribution model.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 ↗

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 Insurance

    Relm Insurance · What is General Liability Insurance?; What Does Casualty Insurance Not Cover?; Is Casualty Insurance Mandatory?; Who Needs Casualty Insurance? · 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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