01/22/2026
Today, we’ve broken down three of our leading online restaurant markets: THREE, Coterie, and biBerk
THREE by Berkshire Hathaway: This carrier focuses on simplicity and comprehensive coverage by bundling multiple lines into a single contract.
➤ Policy Type: A single comprehensive policy that includes General Liability, Property, Workers' Compensation, Commercial Auto, EPLI, D&O, and Cyber.
➤ Key Strengths: Recognized for its simplicity with a streamlined 3-page policy and a strong appetite for Alcohol/Nightlife risks.
➤ Coverage Highlights: Both Liquor Liability and Workers' Compensation are included as standard features within the package.
Coterie: Is built for exceptional speed and efficiency, particularly for retail-oriented risks.
➤ Policy Type: Offers BOP and GL.
➤ Key Strengths: Engineered for a fast quote-to-bind process. It features a specialized appetite for Liquor Stores and has EPLI available.
➤ Coverage Highlights: While Workers' Compensation is not directly available through Coterie, LU One provides five or more alternative options to fill this gap. Liquor Liability is available as an optional add-on
biBerk: A versatile option with a broad appetite, especially for service and hospitality industries.
➤ Policy Type: Provides a robust suite of products including BOP, GL, and Workers' Compensation.
➤ Key Strengths: Strong appetite for Alcohol/Nightlife and offers Non-Owned Auto coverage.
➤ Coverage Highlights: Liquor Liability is available (even for risks with a high percentage of alcohol sales). Workers' Compensation is available in most states.
Which one is your favorite? Tell us in the comments!