How does my deductible impact a claim?

The deductible is the portion of each claim that you are responsible for paying. THREE is responsible for amounts above the deductible, up to the specified limit for each type of coverage. The deductible amounts per coverage are listed on your Policy Summary.

Where can I get status updates for my claim?

As your claim is being processed, your Claims Adjuster will call or email you to keep you up to date on the status of your claim. You can reach out to them directly any time you have a question regarding your claim.

What should I do if my business has a cyber incident or data breach?

Contact THREE promptly at 1-800-507-4495 to report a suspected cyber incident. Each THREE policy includes Cyber Incident Response which includes a professional breach coach who can help you determine whether a cyber event happened and what to do next.

How will a claim impact the policy premium?

A claim will not impact your premium during the current policy year. At renewal time, claims history is just one factor among many that will be used to determine your premium. The specific impact of any given claim will be based on the characteristics and size of the specific claim.

Claims support you can count on

Get peace of mind knowing your policy is backed by the financial strength and expertise of the Berkshire Hathaway Insurance Group.

REPORT ONLINE

File your claim in just a few minutes.

File a Workers’ Compensation Claim File a Property, Auto or Liability Claim

CALL

If you are concerned about a potential issue or have questions, don’t hesitate to call. The sooner we know, the sooner we can help limit the damage.

1-800-507-4495

CLAIMS PROCESS

Filing a Claim with THREE

File online or by phone

We make it easy to file your claim. Submit your claim using the links above, in My THREE Online, or by calling us. Once your claim is filed, we’ll assign a claims adjuster to handle it and guide you through the process.

Information gathering

Our expert claims adjusters will work with you to gather information about what happened, discuss your coverage, and identify next steps.

Hands-on support

No business can afford to be out of service. Our adjusters will work with you to proactively identify how we can help your business resume operations.

Proactive claim updates

Waiting can be the hardest part of a claim. We’ll keep you informed on the status of your claim throughout the process so you always know where it stands.

Settlement

We work to resolve claims quickly, fairly, and reliably. For covered claims, we’ll send payment to your business for a direct loss or may pay a repair service, attorney, or other third party directly.

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Need to file a claim?

Report an incident quickly online.

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FAQ

Frequently Asked Questions

Find answers to common questions here.

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