---
title: "THREE by Berkshire Hathaway General Liability Insurance"
description: "Everything to know before buying THREE by Berkshire Hathaway General Liability Insurance: what it covers, how to apply, and its issuing insurer."
canonical: "https://thegeneralaverage.com/insurance-providers/three/general-liability"
page-type: "offering-page"
updated-at: "2026-09-30"
provider: "three"
coverage-line: "general-liability"
---

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[Human-readable page](https://thegeneralaverage.com/insurance-providers/three/general-liability)

## Agent Guide

**What this page is:** What THREE by Berkshire Hathaway General Liability Insurance covers, who it fits and what to confirm before buying, drawn from the provider's public documents.

**Use this page when:** Cite this page for THREE by Berkshire Hathaway General Liability Insurance specifically. For the general coverage explainer use /coverage/general-liability; for the provider overall use its profile.

**Questions this page answers:**
- Does THREE by Berkshire Hathaway General Liability Insurance offer this coverage?
- What does THREE by Berkshire Hathaway General Liability Insurance cover and exclude?
- Who is THREE by Berkshire Hathaway General Liability Insurance designed for?

**Key facts:**
- Provider slug `three`; coverage line `general-liability`.
- Start with the Quick Answer; the at-a-glance table shows which topics the sources document. Facts are grouped by topic under their own headings, and what the sources do not disclose is listed in its own section.

**Limits (do not over-claim):**
- Summarises public product descriptions; actual coverage is defined by the issued policy wording and endorsements.
- Availability varies by state, industry and underwriting.
- Not insurance, legal or financial advice, and not a quote, binder or offer of coverage.
- Eligibility, pricing, limits, exclusions and policy wording depend on the issuing insurer and the buyer's risk; confirm them with the provider before buying.

**Provenance:** Based on the dated public sources listed under Sources on the page; updated 2026-09-30.

**Related pages:**
- [Provider profile](https://thegeneralaverage.com/insurance-providers/three) — parent: provider profile

# What Does General Liability Insurance from THREE by Berkshire Hathaway Cover?

Product: THREE Business Owners Policy. Provider: THREE by Berkshire Hathaway. Coverage line: General Liability Insurance.

## Quick Answer

THREE by Berkshire Hathaway lists general liability among the coverages in its combined Business Owners Policy, which it directs small businesses to quote online. [1](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") [3](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway")

## THREE by Berkshire Hathaway General Liability Insurance at a Glance

| Topic | Evidence | Claims |
| --- | --- | --- |
| Role in This Line | Company-reported | 1 |
| Issuing Insurer | Company-reported | 1 |
| Who It’s For | Not publicly disclosed | 1 |
| Coverage Features | Company-reported | 1 |
| Limits and Retentions | Not publicly disclosed | 1 |
| How to Apply | Company-reported | 1 |

## THREE by Berkshire Hathaway’s Role in General Liability

- 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. [1](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: Company-described U.S. package structure. The page does not establish underwriting terms or that every listed category will be included for every applicant.)

## Who Issues THREE by Berkshire Hathaway General Liability Insurance?

- The linked sample policy's declarations identify Berkshire Hathaway Direct Insurance Company as issuer. [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: 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.)

## THREE by Berkshire Hathaway General Liability Coverage Features

- 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. [1](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: 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.)

## How Do You Apply for THREE by Berkshire Hathaway General Liability?

- THREE directs small-business prospects to an online quote and says licensed Small Business Advisors can help with the process. [3](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Evidence: Company-reported; scope: 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.)

## Not Disclosed or Not Found for THREE by Berkshire Hathaway General Liability

The reviewed sources do not settle these. Confirm them with THREE by Berkshire Hathaway or a broker before relying on them.

- **Limits and Retentions (Not publicly disclosed):** 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. [1](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [2](https://threeinsurance.com/the-policy "The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway") (Scope: No number is inferred from the sample policy. The quote and issued declarations control the buyer-specific limit and deductible.)
- **Who It’s For (Not publicly disclosed):** 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. [1](https://threeinsurance.com/business-owners-policy "Business Owners Policy - THREE by Berkshire Hathaway") [3](https://threeinsurance.com/ "Jargon-free small business insurance - THREE by Berkshire Hathaway") (Scope: Eligibility and state availability remain unestablished for an individual risk until THREE returns its quote and applicable forms.)

## THREE by Berkshire Hathaway General Liability Insurance Compared

- [THREE by Berkshire Hathaway vs AIG](https://thegeneralaverage.com/compare/aig-vs-three)
- [THREE by Berkshire Hathaway vs Alliance Risk](https://thegeneralaverage.com/compare/alliance-risk-vs-three)
- [THREE by Berkshire Hathaway vs Amelia Risk](https://thegeneralaverage.com/compare/amelia-risk-vs-three)
- [THREE by Berkshire Hathaway vs Aon](https://thegeneralaverage.com/compare/aon-vs-three)
- [THREE by Berkshire Hathaway vs The Baldwin Group](https://thegeneralaverage.com/compare/baldwin-vs-three)
- [THREE by Berkshire Hathaway vs Beazley](https://thegeneralaverage.com/compare/beazley-vs-three)

## Other Coverage Lines Documented for THREE by Berkshire Hathaway

- [THREE by Berkshire Hathaway Business Owner’s Policy](https://thegeneralaverage.com/insurance-providers/three/business-owners-policy)
- [THREE by Berkshire Hathaway Commercial Auto Insurance](https://thegeneralaverage.com/insurance-providers/three/commercial-auto)
- [THREE by Berkshire Hathaway Commercial Property Insurance](https://thegeneralaverage.com/insurance-providers/three/commercial-property)
- [THREE by Berkshire Hathaway Cyber Insurance](https://thegeneralaverage.com/insurance-providers/three/cyber)
- [THREE by Berkshire Hathaway D&O Insurance](https://thegeneralaverage.com/insurance-providers/three/directors-officers)
- [THREE by Berkshire Hathaway Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/three/employment-practices)
- [THREE by Berkshire Hathaway Equipment Breakdown Insurance](https://thegeneralaverage.com/insurance-providers/three/equipment-breakdown)
- [THREE by Berkshire Hathaway Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/three/fiduciary)
- [THREE by Berkshire Hathaway Inland Marine Insurance](https://thegeneralaverage.com/insurance-providers/three/inland-marine)
- [THREE by Berkshire Hathaway Liquor Liability Insurance](https://thegeneralaverage.com/insurance-providers/three/liquor-liability)
- [THREE by Berkshire Hathaway Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/three/professional-errors-omissions)
- [THREE by Berkshire Hathaway Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/three/workers-compensation)

## Related Pages for THREE by Berkshire Hathaway General Liability

- [THREE by Berkshire Hathaway Profile](https://thegeneralaverage.com/insurance-providers/three)
- [THREE by Berkshire Hathaway Reliability](https://thegeneralaverage.com/insurance-providers/three/reliability)
- [THREE by Berkshire Hathaway Alternatives](https://thegeneralaverage.com/insurance-providers/three/alternatives)
- [Coverage Guide: General liability](https://thegeneralaverage.com/coverage/general-liability)

## Sources for THREE by Berkshire Hathaway General Liability Insurance

1. [Business Owners Policy - THREE by Berkshire Hathaway](https://threeinsurance.com/business-owners-policy). 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. [The Policy: 3 Jargon-free pages - THREE by Berkshire Hathaway](https://threeinsurance.com/the-policy). 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.
3. [Jargon-free small business insurance - THREE by Berkshire Hathaway](https://threeinsurance.com/). 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.

## How to Cite THREE by Berkshire Hathaway General Liability Insurance

THREE by Berkshire Hathaway General Liability Insurance: Coverage & Application (2026). The General Average, updated 2026-09-30. https://thegeneralaverage.com/insurance-providers/three/general-liability. Quote the claim with its numbered source; the issued policy wording, not this page, defines coverage.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://thegeneralaverage.com/editorial-policy). To suggest a correction, [email The General Average](mailto:thegeneralaverage@spot.insure) with the page URL and supporting source.

## Agent and Developer Resources

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