Techinsurance vs Three: General Liability Insurance

TechInsurance arranges general liability for small businesses that deal with the public and reports a median of $45 per month; THREE by Berkshire Hathaway presents it as a component of its combined Business Owners Policy, with an online quote.

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 TechInsurance and THREE by Berkshire Hathaway General Liability Insurance?

Typical Customer Limits and Actual Offers

TechInsurance reports that nearly 90% of its customers choose $1 million per occurrence and $2 million aggregate, and reports a $45 monthly median premium. These figures describe its customers, not a guaranteed quote. THREE's reviewed page lists general liability in its package without publishing a comparable limit schedule or premium. Compare each company's actual quote, including deductibles and any shared package limits. [7] [1]

Public Contact and Product Liability

TechInsurance targets businesses that admit customers, visit client premises, handle client property, sell products or advertise online. It describes third-party bodily injury, property damage, copyright infringement and defamation, and says product liability may be included or added by endorsement. THREE lists general liability but its reviewed record does not specify those coverage categories. Ask for product wording if goods are part of the operation. [7] [1]

Application and Certificate

TechInsurance offers a short online application, licensed agents in all 50 states and typically same-day certificates after purchase. THREE directs small businesses to online package quoting with licensed advisor help, without a stated certificate timeline. If a contract deadline applies, confirm when the certificate can issue and whether its wording meets the counterparty's requirements. [7] [2]

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

  • Request per-occurrence and aggregate limits, premium and any product-liability endorsement from each provider. [7] [1]
  • Confirm agent availability, certificate issuance timing and the specific additional-insured wording required by your customer or landlord. [7] [2]

TechInsurance describes public-facing business exposures and reports that nearly 90% of its customers choose $1 million per occurrence and $2 million aggregate. THREE lists GL in its package.

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
    Commercial General Liability Insurance Quotes Online

    TechInsurance · What does general liability insurance cover? (bodily injury, property damage, copyright infringement, defamation, product liability); How much does general liability insurance cost?; How much general liability coverage do you need? (90% of customers choose $1M/$2M limits); What are coverage types A, B, and C? · accessed 2026-09-23

Provider coverage details

TechInsurance

  • role: TechInsurance arranges general liability insurance for small businesses and describes it as often the first policy small business owners buy. General liability product page.company-reportedSource ↗
  • insurer: The reviewed page does not name the issuing insurer for a general liability policy; TechInsurance describes returning quotes from multiple carriers rather than naming one upfront. General liability product page as read on 2026-09-23.not-disclosedSource ↗
  • coverage: TechInsurance says general liability insurance covers third-party bodily injury, property damage, copyright infringement, defamation (libel or slander), and often includes product liability coverage or the option to add it by endorsement. General liability product page; general policy description, not a specific policy form.company-reportedSource ↗
  • limits: TechInsurance says nearly 90% of its customers choose a general liability policy with a $1 million per-occurrence limit and a $2 million aggregate limit, and that its customers pay a median of $45 per month for the coverage. General liability product page; a company-reported median and common-limit figure from TechInsurance's own book of business, not a published rate table.company-reportedSource ↗
  • eligibility: TechInsurance targets general liability at small businesses that interact with the public, including those that let customers into a store or office, visit clients' homes or businesses, handle client property, sell products, or advertise online. General liability product page.company-reportedSource ↗
  • application: You request general liability quotes online through a short application; TechInsurance says licensed agents in all 50 states are available to help pick a policy, and a certificate of insurance is typically available the same day you buy coverage. General liability product page application and certificate sections.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 ↗

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

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