Harper vs Three: Liquor Liability Insurance

Harper takes one segment-specific application to every carrier that can write the risk; THREE by Berkshire Hathaway lists liquor liability, if required, within its Business Owners Policy and directs prospects to an online quote.

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

Coverage topics

Harper

  • role: For liquor liability, Harper says it takes one application to every carrier that can write the risk and shows the business all the quotes that come back, instead of sending the account to a single carrier. Product-page description of the 'Harper Concierge' process for this line.company-reportedSource ↗
  • eligibility: Harper organizes its liquor liability practice around food-and-beverage segments: full-service restaurants with a bar program, general/casual restaurants serving beer or wine, quick-serve and fast-casual concepts, fast-food franchises, and nightclubs and bars, which it calls its highest-risk segment. Segment breakdown on the liquor liability page; each segment links to a different Harper application.company-reportedSource ↗
  • coverage: Harper says the liquor liability coverage it places is sized to the alcohol license type, from limited beer-and-wine liquor liability up to high-limit liquor liability and assault-and-battery coverage for nightclubs, usually packaged with general liability, property and other lines relevant to the segment. Segment-specific coverage lists on the product page; actual policy wording and package composition depend on the insurer and underwriting.company-reportedSource ↗
  • limits: The reviewed page describes 'high-limit' liquor liability for nightclubs and bars but does not publish specific limit or retention amounts for any segment. Liquor liability product page as read on 2026-09-23.not-disclosedSource ↗
  • services: Harper states that 98.78% of its customers renew with it and that more than 6,000 businesses use Harper, figures the company attributes to itself without citing an independent audit. Company-reported statistic on the liquor liability page; not independently verified and not broken out by line.company-reportedSource ↗
  • application: Harper routes liquor liability applicants into a segment-specific application (for example, a restaurant/bar application with a liquor supplement, or a nightclub application with an assault-and-battery supplement) after a specialist-led conversation about the business. Application flow described on the liquor liability page.company-reportedSource ↗
  • insurer: The liquor liability page names no specific insurer for this line; it shows a general partner-insurer logo strip shared across Harper's site rather than carriers tied to liquor liability placements. Liquor liability product page as read on 2026-09-23.not-disclosedSource ↗

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 ↗

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

Multi-Insurer Placement

Harper says it sends one liquor-liability application to every carrier that can write the risk and presents all returned quotes rather than directing an account to one insurer. THREE lists liquor liability “if required” in its combined Business Owners Policy. Ask Harper which markets responded and ask THREE to identify whether liquor coverage is included in its package proposal for the venue. [4] [1]

Venue Segment and Limits

Harper distinguishes full-service restaurants, casual restaurants serving beer or wine, quick-service concepts, franchises, nightclubs and bars. It says coverage is sized to the alcohol license, from limited beer-and-wine terms to high-limit coverage and assault-and-battery protection for nightclubs. THREE's listing does not provide comparable segment-specific limits. Confirm that each proposal reflects the license type, hours and venue risk. [4] [1]

Application Detail

Harper uses a segment-specific application, such as a restaurant liquor supplement or a nightclub assault-and-battery supplement, after a specialist conversation. THREE provides an online quote and licensed advisor support. Submit the same alcohol receipts, entertainment, security and loss information to both and compare the resulting exclusions and sublimits. [4] [2]

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

  • Ask Harper which carrier quotes returned and whether assault-and-battery applies to the venue; ask THREE to identify the liquor form and any separate endorsement. [4] [1]
  • Compare license-based limits, assault-and-battery sublimits, exclusions, insurer and defense costs. [4] [3]

Harper describes license-based limits and assault-and-battery options for nightlife, with segment-specific applications. THREE lists liquor liability as a possible package component.

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
    Liquor Liability Insurance

    Harper · Liquor Liability - Harper Concierge hero; segment sections for full-service restaurants, general restaurants, quick-serve, fast food & franchises, and nightclubs & bars; How Harper Concierge works; Proof: Trusted by 6,000+ companies, 98.78% of customers renew with us · accessed 2026-09-23

  5. 05
    Commercial general liability insurance

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

  6. 06
    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

  7. 07
    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

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