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Business Liability
Provides protection if your business is responsible for injury, property damage, or professional errors, with legal costs covered.
FOR BUSINESSES
Protection built for your whole business
THREE covers more of the risks that come with running your business, helping you stay focused on what's next.
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Commercial insurance
without the complexity
8
minutes on average to submit a quote for the whole business.
3
page policy, written in plain English.
1
insurance provider for all of your servicing and billing needs.
WHAT THREE OFFERS
The most coverage
in a single policy for businesses
THREE goes beyond the coverage typically found in a Business Owner's Policy (BOP), covering a broader set of risks businesses actually face every day.
Our whole-business coverage is built into a single, 3-page policy with limited exclusions and no fine print or surprises—giving you a clear picture of what's protected from the start.
Each THREE policy includes
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Commercial Property
Covers your building, equipment, and other business property from risks like fire, theft, and weather.
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Cyber Incident Response
Provides expert support to help your business respond to and recover from cyber incidents.
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Commercial Auto
OptionalCovers business vehicles and includes liability protection for hired or non-owned vehicles.
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Workers' Compensation
OptionalCovers medical costs and lost wages if an employee is injured on the job.
And much more...
BUILT FOR BUSINESSES OF ALL SIZES
Whether you're just getting started or already established
Our policy is built to support a wide range of businesses, from small, new businesses to larger companies with more complex operations.
Small business
Owner-operated or supported by a small team, these businesses need essential coverages in a clear policy that's easy to understand and manage.
Mid-size business
As teams, locations, and operations grow, new risks emerge. These businesses need coverage that keeps pace with their growth.
Large business
Multiple locations and complex operations create compounding risks. These businesses need coordinated coverage to support growth at scale.
See how THREE's policy fits across all these businesses
View our policyONE POLICY. ONE PARTNER
Dedicated support at every step
THREE is by your side from quote to claim.
1
Finding the right protection
Our advisors take the time to understand your business, identify potential coverage gaps, and help you secure the right coverage for your business.
2
Service throughout
Our service team is available to assist with policy changes, additional insured requests, certificates, and a seamless renewal process.
3
Filing a claim
Our claims representatives keep you informed throughout the process, and help secure what your business needs to move forward.
ALL-IN-ONE policy
Commercial insurance shouldn't be a patchwork of policies
Most businesses have to piece together coverages with separate add-ons and endorsements to protect their entire business.
THREE brings coverage together for the whole business in one policy.
With THREE
One policy for the whole business
-
Operations -
Property -
Vehicles Optional -
People Optional
- Operations
- Property
- Vehicles
- People
- Operations
- Property
- Vehicles
- People
- Operations
- Property
- Vehicles
- People
- Operations
- Property
- Vehicles
- People
- Operations
- Property
- Vehicles
- People
INDUSTRIES WE COVER
Insurance that understands your industry
We offer coverage tailored to how your industry actually operates. Explore some of the many businesses we serve.
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Auto Services
Auto Services
THREE covers auto service businesses against the risks of working on other people's vehicles every day.
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Bars & Restaurants
Bars & Restaurants
THREE gives restaurants the protection they need in one clear policy, from kitchen to dining room.
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Cleaning & Janitorial
Cleaning & Janitorial
THREE protects cleaning and janitorial businesses working on-site in other people's homes and offices.
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Contractors & Landscaping
Contractors & Landscaping
THREE covers contractors and landscapers against the physical, on-site risks of the job.
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Hospitality
Hospitality
THREE provides hospitality businesses with broad protection designed for the day-to-day risks they face.
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Professional & Personal Services
Professional & Personal Services
THREE covers professional and personal service businesses against the risks of advising and serving clients.
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Real Estate
Real Estate
THREE covers real estate businesses managing properties, showings, and client relationships.
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Retail & Wholesale
Retail & Wholesale
THREE protects retail and wholesale businesses handling inventory, staff, and customers every day.
Manage your policy anytime, anywhere
My THREE Online gives you instant visibility and control over your policy anytime you need it.
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What types of coverage does
your business need?
Use our self-assessment tool to see whether your business is protected against the unexpected.
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FAQ
Frequently Asked Questions
REVIEWS
See what other businesses have to say about THREE
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For Businesses
Get a quote for your business
See how easy it is to get a quote for your entire business in just a few minutes.