We have a lot of exciting changes underway at THREE that will meaningfully transform how we show up in the market. Agents are central to everything we’re building, so I wanted you to hear about them from me first.
THREE was created with a clear purpose: to make commercial insurance easier to understand and more complete for businesses of all sizes. That purpose hasn’t changed.
What has changed is nearly everything we’ve built around it. We’ve clarified our appetite, strengthened our product, and grown alongside the agents who write with us.
But we’ve evolved faster than we’ve communicated. That has left a lingering misconception in the market: that THREE is mostly direct-to-consumer, a specialty or E&S carrier with a narrow appetite, and not really built for agents.
That’s not THREE today.
THREE is an admitted commercial carrier built for agents, with a broad appetite and a fundamentally different product: protection for the whole business in one policy.
We bring Business Liability, Property, Cyber, Commercial Auto, and Workers’ Comp together in one policy, so you can complete one submission, handle one payment, and get one exceptional servicing experience.
Our policy is written in plain language, with one of the broadest grants of coverage in the industry, and it’s backed by the financial strength of the Berkshire Hathaway Insurance Group. It’s a policy you can explain with confidence, from a carrier you can stand behind.
A brand that reflects who we are
Today, we’re introducing a new website and refreshed brand that reflect who THREE really is. The new website brings together our refreshed messaging, visual identity, and the full scope of what THREE offers in one place. I encourage you to take a look and see the difference for yourself.
New leadership for our next chapter
This next chapter also brings exciting changes to our leadership team. As you might’ve heard, I’ve recently stepped into the role of President.
I originally joined THREE as Head of Underwriting and Insurance Product and had the privilege of helping shape the foundation we’re built on. Leading THREE forward is a responsibility I take seriously, and one I’m excited to take on.
I’m also pleased to welcome two new leaders:
Nick Smith joins us as Head of Underwriting and Insurance Product, bringing deep product and leadership experience from The Hartford and State Auto Insurance.
Colton Marshall joins as Head of Engineering, bringing more than a decade of engineering and product experience from leading insurtech and insurance companies such as Matic and Rate.
Where we’re going
With these additions to our leadership team and a refreshed brand, we have big ambitions for 2027. These include expanding into new states, broadening our appetite, and investing in technology to make THREE even easier and faster to work with.
None of this happens without partners like you. You've shaped who THREE has become, and you'll continue to be an important part of our journey.
Thank you for your partnership,
Brandon Bauer
President, THREE by Berkshire Hathaway
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