Gallagher vs Three: Professional Liability / E&O Insurance

THREE by Berkshire Hathaway presents E&O as a component of its Business Owners Policy, quoted online with advisors helping. Gallagher Small Business arranges E&O with partner carriers for small professional-service 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 Gallagher and THREE by Berkshire Hathaway Professional Liability (E&O) Insurance?

Brokered E&O or Combined BOP

Gallagher Small Business arranges E&O with partner carriers and directs prospective buyers to an online quote form, advisor line or callback. THREE presents E&O as a category within its combined Business Owners Policy and directs buyers to an online quote or a Small Business Advisor. Both offer a guided path, but the policy structure differs: ask Gallagher which partner will issue a separate E&O placement and ask THREE to verify E&O is included in the BOP proposal. [4] [4] [1] [2]

Claims Gallagher Names and Figures to Obtain

Gallagher describes E&O claims involving negligence, personal injury, copyright infringement, punitive damages, past work and temporary staff or independent contractors. THREE's reviewed materials list the E&O category but do not state a separate limit or deductible; those amounts appear in the quote summary. A buyer should compare the detailed forms against contractor and prior-work exposures, then line up the limit and deductible in each proposal. [4] [1] [3]

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

  • Ask Gallagher which partner carrier is proposed and provide its actual limit, deductible and premium; its public page publishes no figures. [4] [4]
  • Ask THREE to show E&O as included and identify its separate limit and deductible in the quote summary. [1] [3]
  • Compare the treatment of past work and temporary or independent contractors in the issued forms; Gallagher describes these exposures while THREE's sample may not match every policy. [4] [3]

Gallagher Small Business brokers E&O with partner carriers and describes coverage for alleged negligence, copyright infringement, past work and independent contractors. THREE lists E&O in its Business Owners Policy but leaves separate limits and deductibles to the quote summary.

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
    Errors and Omissions Insurance

    Gallagher Small Business · What is Errors and Omissions Insurance?; Do you need Errors and Omissions insurance?; Recommended for professionals including; E&O trends; An E&O policy protects you from; Consider this claim scenario; Get Covered Now · accessed 2026-09-23

  5. 05
    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

  6. 06
    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

  7. 07
    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

  8. 08
    Get business insurance

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

Areas of coverage

Gallagher

  • role: Gallagher Small Business arranges errors and omissions (E&O) coverage with partner carriers rather than underwriting the policy itself. Gallagher Small Business's direct-to-small-business E&O product page.company-reportedSource ↗
  • coverage: Gallagher describes E&O as protecting against client charges of negligence or injury tied to professional services, covering losses, attorney fees and court costs regardless of fault, and specifically responding to alleged or actual negligence, personal injury, copyright infringement, punitive damages, and claims against past work, temporary staff or independent contractors. Product page coverage description; the issued policy and its exclusions control. Note this record excludes medical malpractice, which the page treats as a separate specialized coverage covered under its own line.company-reportedSource ↗
  • eligibility: Gallagher recommends E&O for small businesses that provide a specific professional service, naming technology, insurance, accounting, tax, wealth management and legal services, and lists doctors, lawyers, accountants, nurses, caregivers, counselors, social workers and engineers as example professionals; it also notes that many client contracts require carrying E&O. Product page eligibility and recommended-professions lists; actual acceptance depends on underwriting.company-reportedSource ↗
  • coverage: Gallagher's small-business team says the E&O market has seen consistent rate increases that have started to moderate, driven by higher claim frequency, litigation costs and a more litigious environment, and that insurers are more selective and require more detailed underwriting information. Product page market-commentary section; a general market view, not a quote for any specific business.company-reportedSource ↗
  • insurer: The E&O product page does not name the insurer that would issue a given business's policy. Checked the E&O product page on 2026-09-23.not-disclosedSource ↗
  • limits: The E&O product page does not publish limits, deductibles or premiums; it directs prospective buyers to request a quote instead. Checked the E&O product page on 2026-09-23.not-disclosedSource ↗
  • application: Gallagher offers an online quote form, a small business advisor phone line (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start an E&O quote. Product page "Get Covered Now" section.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 ↗

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