CNA vs Three: Professional Liability / E&O Insurance

THREE by Berkshire Hathaway treats E&O as one component inside its Business Owners Policy. CNA's EPS Plus combines E&O and cyber for professional-services firms.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-30

What Are the Key Differences Between CNA and THREE by Berkshire Hathaway Professional Liability (E&O) Insurance?

Separate E&O program choices or a bundled BOP

CNA describes Epack 3 as a modular combination of technology and professional liability with cyber and media, and EPS Plus as E&O with cyber for professional-services firms. THREE lists Errors & Omissions within its combined Business Owners Policy rather than identifying a standalone E&O policy on the reviewed page. That distinction affects how you compare bundled pricing and coverage: request the CNA module or THREE BOP schedule showing exactly which E&O protection is selected. [4] [1]

Confirming what the quote actually includes

CNA specifically markets Technology E&O for technology businesses facing professional-liability exposures and contractual requirements. THREE’s page lists E&O as a coverage category, but that listing does not establish that it appears in your quote or responds to a particular claim. CNA also describes dedicated claims and risk-control support, while the reviewed THREE claims focus on package placement and quote assistance. Ask THREE to confirm E&O inclusion and wording, and ask CNA which technology or professional-services form matches your work. [4] [1]

What Should You Confirm in CNA and THREE by Berkshire Hathaway Professional Liability (E&O) Insurance Quotes?

  • Does the THREE quote include E&O, and what form, limit and exclusions apply to that category? [4]
  • Which CNA program is proposed, and how does its E&O respond to the professional services in your contracts? [1]

Areas of coverage

CNA

  • role: CNA describes Epack 3 as combining technology and professional liability with cyber and media in a modular policy; EPS Plus combines E&O and cyber for professional-services firms. These are separate product routes and are not evidence that technology E&O and miscellaneous E&O share identical wording.company-reportedSource ↗Source ↗
  • eligibility: CNA says its Miscellaneous Professional Liability targets non-licensed professional classes such as consultants, staffing firms, advertising agencies and event planners. The listed classes are a target list, not a complete or guaranteed eligibility rule.company-reportedSource ↗
  • coverage: CNA markets Technology E&O for technology businesses facing professional-liability exposures and says it is intended to support contractual requirements. The page is a summary and does not define covered services, contract exceptions or policy triggers.company-reportedSource ↗
  • services: CNA describes dedicated claims and risk-control support for its cyber, media, technology and professional-liability business. This portfolio-level statement does not establish a service outcome or a line-specific claims protocol.company-reportedSource ↗

THREE by Berkshire Hathaway

  • role: THREE presents Errors and Omissions 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 Errors & Omissions 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 Errors and Omissions. 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 Errors and Omissions 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 Errors and Omissions; 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 Errors and Omissions; 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 ↗

CNA names modular E&O and cyber programs for professional firms and technology businesses; THREE markets E&O within its Business Owners Policy and offers an online quote route.

Sources reviewed

  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
    Cyber Insurance - Cyber Risk Solutions

    CNA · Current U.S. page: Epack 3 combines cyber, media, technology and professional liability; MPL appetite, media support, technology E&O, claims and risk-control descriptions. Retrieved 2026-09-30. · accessed 2026-09-30

  5. 05
    Epack 3 – Cyber, Media, Technology & Professional Liability

    CNA · Official sell sheet: modular bundled policy, media coverages and possible extensions, technology/professional line descriptions and quote process for small risks. Marketing summary expressly defers to issued policy. Retrieved 2026-09-30. · accessed 2026-09-30

  6. 06
    Professional Liability – US Direct Errors and Omissions Insurance

    Hiscox Inc. specimen · About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act · accessed 2026-09-16

  7. 07
    Professional liability insurance

    Insurance Information Institute · Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion) · accessed 2026-09-16

  8. 08
    FAQ: Professional liability insurance

    Texas Department of Insurance · What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies · accessed 2026-09-16

  9. 09
    Get business insurance

    U.S. Small Business Administration · Six common types of business insurance table · accessed 2026-09-16

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