Corgi vs Three: Liquor Liability Insurance

Corgi's occurrence-based liquor program applies only to the declared premises of eligible lodge bars; THREE by Berkshire Hathaway lists liquor liability, if required, as a coverage category in its combined Business Owners Policy.

Embarcadero Risk brings together source-based comparisons for businesses moving people and goods.Research updated 2026-09-30

Corgi describes an occurrence-based lodge program with a default assault-and-battery sublimit and advisor-led underwriting. THREE lists liquor liability as a package category.

Source material

  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
    Insurance for Clubs & Lodges

    Corgi Insurance · Made for Lodge Operations; Focused on Alcohol-Service Claims; Underwritten Around the Premises; FAQ on eligibility, off-premises events and underwriting information reviewed · accessed 2026-09-23

  5. 05
    Liquor Liability Insurance for Clubs & Lodges

    Corgi Insurance · What's Actually Inside Your Liquor Liability Policy (form CES-2-LIQ-001); Surplus Lines Placement notice; Scenario notes; Policy notes; Available Endorsements; Glossary; FAQ · accessed 2026-09-23

  6. 06
    Commercial general liability insurance

    Insurance Information Institute · Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance · accessed 2026-09-16

  7. 07
    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

  8. 08
    General Liability Policy Specimen including Liquor Liability Coverage

    NEXT Insurance; ISO wording · PDF pp.94–99 liquor form; p.100 BYOA endorsement; p.101 premises limitation · accessed 2026-09-16

What Are the Key Differences Between Corgi and THREE by Berkshire Hathaway Liquor Liability Insurance?

Lodge Program or Broader Package Inquiry

Corgi markets liquor liability only to eligible veterans' and fraternal lodges with licensed on-premises bars; it does not describe general liquor coverage for restaurants or other venues. THREE lists liquor liability “if required” among its combined-policy categories. A lodge can ask Corgi about program eligibility, while other businesses should ask THREE whether its quoted package can include the line for their operation. [5] [1]

Declared Premises and Assault-and-Battery Sublimit

Corgi describes an occurrence-based form for third-party bodily injury or property damage connected to selling or serving alcohol, limited to declared premises, with exclusions for off-site events and certain underage service. Its default assault-and-battery sublimit is $25,000 per common cause and $50,000 annual aggregate, with defense costs inside those limits. THREE's cited page does not publish comparable terms. Compare declarations, event scope and defense-cost treatment directly. [5] [1]

Issuer and Application Review

Corgi says its policy is non-admitted surplus-lines coverage without state guaranty-fund protection; the issuing insurer is named in the issued policy. It routes buyers to an advisor who reviews the license, alcohol receipts, hours, entertainment, staff practices and loss history. THREE offers online quote and licensed advisor support. Ask both for the issuer and the underwriting information needed before comparing terms. [5] [2]

What Should You Confirm in Corgi and THREE by Berkshire Hathaway Liquor Liability Insurance Quotes?

  • Confirm whether Corgi's lodge eligibility fits, and ask THREE whether its package can cover the venue and declared premises. [5] [1]
  • Compare per-occurrence and aggregate limits, assault-and-battery sublimits, defense-cost erosion, off-site events and insurer status. [5] [3]

Coverage topics

Corgi

  • eligibility: Corgi markets liquor liability as a program limited to eligible veterans' and fraternal lodges operating licensed on-premises bars, not general liquor liability for bars, restaurants or other venues. Liquor liability product page and clubs-and-lodges page, both current as of 2026-09-23. Eligibility for a specific lodge is subject to underwriting.company-reportedSource ↗Source ↗
  • insurer: Corgi says liquor liability coverage is issued on a non-admitted surplus lines basis and is not protected by a state insurance guaranty fund. The page does not name the specific issuing insurer; that appears in the issued policy. Liquor liability page's Surplus Lines Placement section.company-reportedSource ↗
  • insurer: The liquor liability form is numbered CES-2-LIQ-001, a different prefix from the CORG-numbered forms Corgi uses for its startup lines (for example CORG-CGL-0100). The reviewed pages do not explain what "CES" refers to or confirm whether this program shares an underwriting entity with Corgi's other products. Liquor liability page as read on 2026-09-23; form-number comparison against the CGL product page.not-foundSource ↗
  • coverage: The occurrence-based program form may respond to third-party bodily injury or property damage claims tied to selling, serving or furnishing alcohol, including allegations of intoxication and liability under an applicable dram-shop or liquor-control law, but it applies only to the declared premises and excludes off-premises events, cannabis and THC beverages, and knowing service to an underage patron by an insured who knew, unless separately endorsed. Liquor liability coverage table, scenario notes and policy notes; illustrative summary subject to the issued declarations and endorsements.company-reportedSource ↗
  • limits: Corgi's liquor liability form defaults to a $25,000 assault-and-battery sublimit per common cause and $50,000 in the annual aggregate, with defense costs inside the limits; the per-occurrence and policy-aggregate liquor liability limits themselves are shown only as "see declarations" on the page, not published. Liquor liability coverage table; default sublimits may be modified by endorsement.company-reportedSource ↗
  • application: Corgi routes liquor liability prospects to "Talk to an advisor" rather than its instant-quote flow used for CGL, Cyber and other startup lines, and says underwriting reviews the liquor license, alcohol receipts, hours of service, entertainment, staff practices and loss history. Liquor liability page call to action and clubs-and-lodges underwriting FAQ.company-reportedSource ↗Source ↗
  • services: The reviewed liquor liability pages do not describe standalone risk-control or staff-training services beyond referencing loss history and staff practices as underwriting factors. Liquor liability and clubs-and-lodges pages as read on 2026-09-23.not-foundSource ↗Source ↗

THREE by Berkshire Hathaway

  • role: THREE presents Liquor 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 Liquor Liability (if required) 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 Liquor 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 Liquor 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 Liquor 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 Liquor 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 ↗

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