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Get comprehensive quotes for your clients in half the time.
Not only can your client get a policy that offers more protection from risks, but you can get an all-in-one quote in minutes.
On the THREE agent portal, you can:
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See mid-application if a quote is rejected
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Clone & edit approved quotes
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Customize limits & deductibles
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Connect directly with your underwriter
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Chat with a live agent for support
What are agents saying?
Our go-to product and platform
The quoting platform is easy to use and the live chat option with a THREE representative is a tremendous help.
Zeenia K.
Very streamlined and easy to navigate
I especially love the clone tool, which allows me to make modifications to existing quotes. Being able to pivot quickly with a new quote is invaluable.
Andrew R.
Quote and bind within minutes
Writing business with THREE a breeze. Our agency has grown exponentially with THREE since using SOCOTRA.
Cynthia W.
New portal. Same great agent program.
State Availability
THREE can accommodate multiple locations, but only within a single state — THREE cannot accommodate insureds with locations across multiple states.
Arizona California Colorado Connecticut Georgia Illinois Indiana Iowa Kansas Louisiana Maryland Minnesota Missouri Nebraska Nevada New Jersey North Carolina Oklahoma Oregon Pennsylvania South Carolina Tennessee Texas Utah Wisconsin
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Target Industries
This is not an exhaustive list. Use the Keyword Library to find a specific operation type.
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Restaurants & Bars
Including
- Restaurants
- Bars
- Bar & Grill
- Bakeries
- Cafes
- Food Trucks
Why THREE
- Liquor Liability
- Cyber Incident Response
- Cyber Liability
- Employment Practices Liability (EPLI)
- Employee Theft/Dishonesty
- Equipment Breakdown
- Food Spoilage
You Should Know
- No nightclubs or cover charges
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Artisan/Trade Contractors
Including
- Handyperson
- Installation, service, repair
- Remodeling & renovation
- Plumbing & HVAC
- Electrician
- Painting & drywall
- Carpentry & framing
- Landscaping, lawn care, and tree services
Why THREE
- Blanket Additional Insured
- Tools & Equipment
- Contractors E&O
- Commercial Auto
- Hired & Non-Owned Auto Liability
You Should Know
- No more than 49% subcontracted payroll
- No tract developments (>5 unit new construction)
- No LPG (e.g. propane) use
- No roofing
- No logging
- No work above 40ft
- No work below 10ft underground
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Cleaning & Janitorial
Including
- Commercial Cleaning
- Residential Cleaning
Why THREE
- Blanket Additional Insured
- Tools & Equipment
- Janitorial Service Bond Liability
You Should Know
- No more than 49% subcontracted payroll
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Hospitality
Including
- Hotels
- Motels & inns
- Bed & breakfasts
Why THREE
- Property of Others / Bailee / Entrusted Property Liability
- Assault & Battery Liability
- Employment Practices Liability (EPLI)
- Employee Theft/Dishonesty
- Equipment Breakdown
- Flood and Water Damage
You Should Know
- No AirBnB/VRBO
Ineligible Industries
Transportation
- For Hire Trucking
- Public Transport
- Local Delivery
Healthcare
- Hospitals
- Healthcare Providers
- Nursing Care Facilities
Construction
- General contractors
- Home builders
- Builders Risk
Manufacturing
Exposure & Coverage Limits
THREE has no hard and fast limits on revenue, payroll, or TIV
The following risk characteristics will trigger an underwriting referral for closer review before releasing a quote:
Revenue exceeding $6m
Payroll exceeding $6m
Building values exceeding $3m
Building values more than +/- 20% from the pre-filled estimate replacement cost
All Other Property values exceeding $1m
The following table lists our limit appetite by coverage:
Coverage | Default Limits | Max Limits |
|---|---|---|
Business Liability | $1m/3m | Up to $20m/20m in most states |
Cyber Incident Response | $250k | Up to $1.25m |
Listed Building | Pre-filled based on ISO ProMetrix | Any substantiated amount |
All Other Property | Pre-filled based on class and revenue | Any substantiated amount, no less than $2.5k |
Business Interruption | Pre-filled based on class, revenue, and employee count | Any substantiated amount |
Auto Liability | $300k CSL | Up to $5m CSL |
Listed Vehicle | Pre-filled based on IHS/Markit | Any substantiated amount |
THREE can accommodate a client's need for Umbrella coverage by simply offering ground-up limits up to the desired amount. For example, if a customer currently buys $1m umbrella limit attaching above $1m GL and AL limits, THREE would simply offer $2m limit for each of Business Liability and Auto Liability.