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.
Become A Partner!
Let’s get started! Fill out our partner application to begin the process of partnering with THREE.
Apply To Become a PartnerAlready a partner? Log in here.
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.
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
/)
Target Industries
This is not an exhaustive list. Use the Keyword Library to find a specific operation type.
/)
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
/)
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
/)
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
/)
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.