Startupinsurance vs Three: General Liability Insurance

StartupInsurance.ai offers a 48-hour policy review and highlights AI exclusions in GL forms and contract requirements. THREE lists general liability within its combined package.

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
Insurance Licenses
ContractorNerd · Company information; 50-state licensing table for ContractorNerd Insurance Services, LLC · accessed 2026-09-16
06
Terms and Conditions
ContractorNerd · Section 2, Insurance Services: “ContractorNerd is an insurance agency/insurance producer... not an insurance company, does not underwrite insurance”; Section 2.A, Broker/Agent of Record · accessed 2026-09-23
07
Commercial general liability insurance
Insurance Information Institute · Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance · accessed 2026-09-16
08
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
09
Apply for Startup Insurance | StartupInsurance.ai
StartupInsurance.ai · Coverage-selection screen: General Liability (GL) — “Covers bodily injury, property damage, and advertising injury” · accessed 2026-09-23
10
Startup Insurance | Coverage that clears the review
StartupInsurance.ai · Carrier panel; What “cleared” means (I. Paper your customer already accepts); Wording that still says yes (AI exclusion audit graphic, Exclusion detected CG 40 42); Coverage: What we place; The free policy check · accessed 2026-09-23

What Are the Key Differences Between StartupInsurance.ai and THREE by Berkshire Hathaway General Liability Insurance?

Form Review and AI Exclusions

StartupInsurance.ai says standard general-liability forms picked up three AI-related exclusions in January 2026 and offers a free policy check that compares existing forms with customer-contract requirements within 48 hours. THREE lists general liability in its package but its reviewed material does not describe a comparable form review. If exclusions affect a contract, ask StartupInsurance.ai to identify the forms involved and ask THREE for its actual endorsements. [10] [1]

Certificate Wording

StartupInsurance.ai highlights certificates naming a customer or landlord as additional insured, primary and non-contributory, with waiver of subrogation language. THREE's cited description names the GL category but does not specify certificate provisions. Submit the contract and request confirmation that the quoted form and endorsements can meet each certificate requirement. [10] [1]

Coverage Selection

StartupInsurance.ai lists GL as one of seven online intake options and describes bodily injury, property damage and advertising injury. THREE presents GL as part of its combined policy and offers an online quote with licensed advisor support. Compare the requested coverage against the package's declarations and identify any standalone endorsements needed. [9] [2]

What Should You Confirm in StartupInsurance.ai and THREE by Berkshire Hathaway General Liability Insurance Quotes?

Ask each route for AI-related exclusions, additional-insured wording, primary/non-contributory terms and waiver language. [10] [1]
Request the GL form, all endorsements, limits and certificate process before binding. [9] [2]

Provider coverage details

StartupInsurance.ai

role: StartupInsurance.ai lists general liability among the lines its startup program places. The brokerage is ContractorNerd Insurance Services, LLC, which its own terms describe as an insurance agency/producer that arranges coverage and does not underwrite policies itself. Homepage coverage list and ContractorNerd's terms and conditions; describes the brokerage's role generally and names general liability as one of the placed lines, not a specific policy's terms.company-reportedSource ↗Source ↗
insurer: StartupInsurance.ai's carrier panel names six insurers (The Hartford, Chubb, Coalition, Tokio Marine HCC, Travelers and CNA), with ratings shown for three of them, but the reviewed pages do not say which panel carrier issues a given company's general liability policy. Homepage carrier panel; the panel is program-wide and not broken out by coverage line, so the specific insurer for a general liability placement is not disclosed and varies by placement.not-disclosedSource ↗
eligibility: StartupInsurance.ai frames its "what cleared means" pitch around certificates of insurance naming a customer or landlord as additional insured, primary and non-contributory, with a waiver of subrogation — requirements that typically apply to general liability policies. Homepage narrative section aimed at founders who need a certificate to satisfy a landlord or customer contract; does not state formal underwriting eligibility criteria (industry, revenue, headcount) for general liability.company-reportedSource ↗
coverage: StartupInsurance.ai says that in January 2026 the standard general liability forms industry-wide picked up three new AI-related exclusions, and illustrates its policy-check service with an example flagging exclusion form CG 40 42. Homepage "Wording that still says yes" section; describes an industry-wide forms change the brokerage says it checks for, not the terms of any specific StartupInsurance.ai-placed policy.company-reportedSource ↗
services: StartupInsurance.ai offers a free policy check: send in your current policies and a customer contract, and within 48 hours you get a one-page summary of AI exclusions in your program and where your contract asks for something the policy doesn't give. Homepage service description; a marketing offer, not a guarantee of findings for any particular general liability policy.company-reportedSource ↗
application: General Liability (GL) is one of seven coverage boxes on StartupInsurance.ai's online quote-intake screen, described there as covering "bodily injury, property damage, and advertising injury." Initial coverage-selection screen of the quote application; does not show what follow-up underwriting questions or documentation the flow requires.company-reportedSource ↗
limits: The reviewed pages do not publish sample general liability limits, sublimits or retentions; StartupInsurance.ai's public marketing pages do not show program-level numbers for this line. Homepage and quote-intake screen as read on 2026-09-23; limits would only surface on an actual quote.not-foundSource ↗Source ↗

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 ↗