Three vs Travelers: General Liability Insurance

THREE by Berkshire Hathaway presents general liability as a component of its combined Business Owners Policy, with an online quote; Travelers underwrites it as a standalone policy or inside its Business Owner's Policy, sold through an independent agent.

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

Provider coverage details

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 ↗

Travelers

  • role: Travelers underwrites general liability insurance as a standalone policy or as part of its Business Owner's Policy for small businesses. Product page "How do I purchase general liability insurance?" FAQ.company-reportedSource ↗
  • coverage: Travelers says the policy typically provides premises liability, products liability, and personal and advertising injury liability (covering offenses such as slander, libel, wrongful eviction and advertising copyright infringement), plus liability of others assumed in specifically defined contracts. Product page "What is general liability insurance?" and "What does general liability insurance cover?" sections; exact terms and exclusions are set by the issued policy.company-reportedSource ↗
  • coverage: Travelers says general liability does not cover claims related to the quality of your work or professional negligence, or theft of your own tools, equipment or inventory; it points to professional liability/E&O and commercial property or BOP coverage for those risks instead. Product page "Does general liability insurance cover all my legal risks?" and "Does general liability cover theft?" FAQs.company-reportedSource ↗
  • eligibility: Travelers markets general liability to any business that could face a bodily-injury or property-damage claim, with industry-specific variants such as EnergyPro CGL for oil and gas and Synergy for life sciences (medical device, pharmaceutical and digital health) companies. Product page "Who is general liability insurance right for?", oil and gas and life sciences sections.company-reportedSource ↗
  • limits: The reviewed page does not publish standard general liability limits or premiums; it says cost varies by industry, risk exposure, location, claims history and other factors, and points buyers to a commercial umbrella policy for higher limits. Product page "How much does general liability business insurance cost?" FAQ.not-disclosedSource ↗
  • application: General liability is bought through a Travelers independent agent, who can customize coverage and help set up the policy. Product page "How do I purchase general liability insurance?" FAQ.company-reportedSource ↗
  • services: Travelers says general liability customers can draw on more than 600 Risk Control consultants and a dedicated Claim team. Product page Risk Control and Claim sections.company-reportedSource ↗

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

Underwriting and Policy Structure

Travelers underwrites general liability as a standalone policy or as part of its Business Owner's Policy. THREE lists the line within its combined Business Owners Policy. Ask Travelers whether its standalone or BOP form best fits the business and compare the line limits and conditions with what THREE includes in its specific package quote. [7] [1]

Products, Operations and Professional Work

Travelers describes premises, products, personal and advertising injury, and liability assumed under specifically defined contracts. It says GL does not cover work-quality or professional-negligence claims, or theft of the insured's own tools, inventory or equipment. THREE's reviewed description names general liability but does not detail the same boundaries. Ask both providers how the form treats customer property, professional services and contract assumptions. [7] [1]

Risk Control and Claims Teams

Travelers says customers can use more than 600 Risk Control consultants and a dedicated Claim team, and it places coverage through an independent agent. THREE offers online quoting and licensed advisor support, but its reviewed claims do not describe comparable GL risk-control or claims resources. Compare the contact and service route you would use after purchase. [7] [2]

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

  • Ask Travelers which form and industry program applies and whether contract liability is within its defined terms; ask THREE for the matching package wording. [7] [1]
  • Confirm assigned agent, claims reporting contact, Risk Control access, and limits for products and premises claims. [7] [2]

Travelers describes premises, products, advertising and defined-contract liability, and offers more than 600 Risk Control consultants. THREE lists GL within 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
    General Liability Insurance

    Travelers · What is general liability insurance?; What does general liability insurance cover?; Travelers business owners policy (BOP) for small businesses; How does commercial general liability insurance differ from professional liability coverage?; How do I purchase general liability 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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