Heffernan vs Three: Professional Liability / E&O Insurance

For a small business wanting E&O inside one package, THREE by Berkshire Hathaway lists it within its Business Owners Policy with an online quote. Heffernan Insurance Brokers shops E&O with insurers through a small-business division.

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 Heffernan Insurance Brokers and THREE by Berkshire Hathaway Professional Liability (E&O) Insurance?

Broad Brokerage Placement and Package Category

Heffernan places E&O by shopping the coverage with insurers and serves businesses from sole proprietors to fast-growing companies across industries such as construction, food, healthcare, hospitality, technology and transportation. THREE instead lists E&O as a category inside its combined Business Owners Policy. The first route lets a buyer discuss a tailored placement across a broad business roster; the second starts with a package quote, so confirm whether E&O is selected for the specific operation. [4] [1]

What the Public Pages Say About E&O Scope

Heffernan frames E&O around a product or service problem that causes a client's financial loss. THREE identifies E&O as a marketed BOP coverage category, but its public product description does not set out separate E&O eligibility rules or limits. A buyer should give both quote teams the actual services and contract requirements, then compare the written insuring agreement and line amount rather than relying on the labels. [4] [1] [3]

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

  • Ask Heffernan which insurer it proposes, and request the E&O limit, retention and premium because its public page gives no figures. [4]
  • Ask THREE to show E&O as included in the BOP and identify the separate limit, deductible and eligibility basis in the quote. [1] [3]
  • Compare whether each form responds to the particular client financial-loss scenario arising from your services. [4] [3]

Heffernan's small-business division places E&O for businesses across industries, including construction, healthcare, technology and transportation. THREE lists E&O as a category in its Business Owners Policy, with quote-specific terms supplied during its online or advisor-assisted process.

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
    Small Business Insurance

    Heffernan Insurance Brokers · The types of coverage we can provide include... Errors and omissions protects against claims for problems with your product or service that result in a financial loss; industries served list; Specialty Programs; contact for custom-designed packages · 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

Heffernan Insurance Brokers

  • role: Heffernan lists errors and omissions among the coverages its small-business division places for clients, shopping the line with insurers rather than underwriting it. Small Business Insurance page as read on 2026-09-23; no dedicated professional-E&O product page was found.company-reportedSource ↗
  • coverage: Heffernan describes errors and omissions coverage as protecting against claims for problems with a company's product or service that result in a financial loss to a client. Small Business Insurance page as read on 2026-09-23; the page does not list specific exclusions, claims-made versus occurrence form, or endorsements.company-reportedSource ↗
  • eligibility: Heffernan's small-business division says it serves sole proprietors through fast-growing companies across industries including construction, food, health care, hospitality, nonprofits, real estate, technology, transportation, and vintners and growers, and will custom-design a package for industries not listed. Small Business Insurance page as read on 2026-09-23; not exclusively E&O-specific, but describes the buyer base for the page listing this coverage.company-reportedSource ↗
  • limits: The reviewed page does not publish limits, retentions, or premium ranges for errors and omissions coverage. Small Business Insurance page as read on 2026-09-23.not-disclosedSource ↗
  • application: Heffernan directs small-business buyers to contact the firm's small-business division to request a quote and says it will research and build a custom package for industries not already listed. Small Business Insurance page as read on 2026-09-23.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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