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THREE protects property, business auto, liability, cyber, workers comp, and much more all in one policy

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.

THREE by Berkshire Hathaway's 3 page policy


We cover your business for theft of and physical damage to property your business owns or leases.

Competitors Insurance Policy stacked


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.

No 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
Old Berkshire Hathaway Inc building

THREE is issued by
Berkshire Hathaway Direct Insurance Company

AA+  S&P Rating 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 work

THREE’s sole focus is on small business.

Every business is unique. THREE provides exceptional coverage for businesses across these industries, and more.

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.

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!

5 star rating

Leah B.

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.

5 star rating

Jill D.

Best value around

Great price for way more insurance than the other guys. Give it a try!

5 star rating

Wayne J.

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.

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Speak with a licensed Small Business Advisor.

Monday-Friday 8am–9pm EST


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