About us

Commercial insurance, reimagined

We're dedicated to making it easier for businesses to protect their whole operation.

Businesses have changed.

Commercial insurance hasn't.

As businesses grow, so do their risks. Yet protecting the whole operation has become more challenging, requiring complex policies from multiple providers, leaving businesses unsure of what's actually protected.

THREE was created to fix this, giving businesses a better way to protect what they've built today and tomorrow.

OUR STORY

THREE was built around a simple idea:

Truly comprehensive insurance for the whole business

Where it started

THREE was founded in 2019 when Berkshire Hathaway challenged a team of insurance experts to answer a fundamental question: Could the essential coverages businesses rely on be brought together in a policy short enough to read and understand?

Mockup of THREE's three-page insurance policy, fanned out to show each page

Building THREE

To solve this problem, our team set out to build a policy around the business as a whole, rather than separating its risks across multiple policies. This allowed us to simplify the policy language while protecting more of the business. The result was a three-page policy, and the inspiration for our name: THREE.

TODAY

THREE continues to evolve to met the needs of businesses and agents. We've improved our policy over time, but its purpose remains the same: make commercial insurance easier to understand and more complete for businesses of all sizes.

Commercial insurance, made clearer

Our policy was designed to be easier to understand so anyone can clearly see what's covered and what's excluded without being an insurance expert.

We say

Mockup of THREE's simple 3-page policy document

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

View our policy

They say

Mockup of a dense, complex competitor insurance policy document

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.

Part of the

Berkshire Hathaway Insurance Group

The Berkshire Hathaway Insurance Group brings decades of underwriting experience, financial strength, and long-term stability to the businesses they insure. THREE is proud to be part of one of the world's most trusted insurance organizations.