Become a partner

Join the THREE partner agency program!

Let’s partner together to provide comprehensive insurance to business owners.

THREE by Berkshire Hathaway created a unique all-in-one business insurance policy designed to protect your business – your people, your property, your operations – with one comprehensive insurance policy.

Combining all the business-critical coverages that small businesses need like liability, property, and workers’ compensation all in a single policy eliminates coverage gaps. One policy also means just one monthly bill and a single number to call for filing a claim.

Get exceptional support.

Our dedicated Agency Service Team provides assistance to both policyholders and agents. Access to the THREE platform allows you to quote, bind, and issue a policy online. THREE protects property, business auto, liability, cyber, workers comp, and much more all in one policy

Become A Partner!

To get started, complete the form below and submit to be taken to our partner application.

What would you like to know about the program?

State availability

THREE can accommodate multiple locations, but only within a single state — THREE cannot accommodate insureds with locations across multiple states.

Map of the United States with available states highlighted in blue
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Georgia
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Louisiana
  • Maryland
  • Missouri
  • Nebraska
  • New Jersey
  • North Carolina
  • Oklahoma
  • Oregon
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Wisconsin

Target Industries

This is not an exhaustive list. Use the Keyword Library to find a specific operation type.

Ineligible Industries


  • For Hire Trucking
  • Public Transport
  • Local Delivery


  • Hospitals
  • Healthcare Providers
  • Nursing Care Facilities


  • General contractors
  • Home builders
  • Builders Risk


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:

CoverageDefault LimitsMax Limits
Business Liability$1m/3mUp to $20m/20m in most states
Cyber Incident Response$250kUp to $1.25m
Listed BuildingPre-filled based on ISO ProMetrixAny substantiated amount
All Other PropertyPre-filled based on class and revenueAny substantiated amount, no less than $2.5k
Business InterruptionPre-filled based on class, revenue, and employee countAny substantiated amount
Auto Liability$300k CSLUp to $5m CSL
Listed VehiclePre-filled based on IHS/MarkitAny 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.

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