Comprehensive insurance for your small business.
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Warren Buffett thought insurance could be better for small businesses.
Comprehensive yet uncomplicated.
THREE combines multiple business-critical coverages that small businesses need, like liability and workers compensation, all in a single policy. So you can replace piecemeal protection for your business.
Why THREENo fine print. No surprises.
The more pages in a policy, the more reasons there are to deny a claim. THREE’s policy removes paragraphs of fine print and gets rid of gotchas. What's left is a comprehensive yet uncomplicated policy.
Read Our Policy/)
We Say
We cover your business for theft of and physical damage to property your business owns or leases.
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They Say
3.
Covered Causes Of Loss
Risks of direct physical loss unless the loss is:
a. Excluded in Paragraph B. Exclusions in Section I; or
b.Limited in Paragraph 4. Limitations in Section I.
Actual policy language employed by many competitors.
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THREE is issued by Berkshire Hathaway Direct Insurance Company
A++ A.M. Best Rating
Backed by the financial strength of Berkshire Hathaway.
THREE was created out of Berkshire Hathaway, drawing on decades of insurance experience, unmatched financial strength, together with expert and responsive claims teams.
Read Our Story Learn how claims workTHREE’s sole focus is on small business.
Every business is unique. THREE provides exceptional coverage for businesses across these industries, and more.
Dining, Hospitality & Entertainment
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Landscaping, Maintenance & Janitorial
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Personal Services & Care
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Professional Financial Services
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Retail & Wholesale
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Technology & Creative Services
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Trades, Repair & Construction
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Unsure if your business is described here? Call our Small Business Advisors at 1-800-507-4495 to check if THREE is right for your business.
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See what other small business owners have to say about THREE.
insurance made simple!
Easy to work with, as well as easy to understand. Prompt attention! Thank you!
Leah B.
Simple to get exactly what you want
The service and support from Three was terrific. Exactly what a small business needs. Very responsive, quick, and easy.
John N.
So quick and helpful, all I search for!
Thanks for coming through with the plan I was looking for. It is well priced and an efficient process to get all set up.
Jill D.
Let's get you started.
Complete your quote online and secure coverage today. Our licensed Small Business Advisors can help you get started or guide you at any point in the process.
Start your quote/)
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