Comprehensive business insurance

Protect your whole business in one policy

THREE covers more of the risks that come with running your business in one clear policy, helping you stay focused on what's next.

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Open-plan small business with a café, a reception desk, office desks, a packing station and a delivery van at the loading door

People

The employees who work for the business.

Operations

The services, systems, and liability risks that can disrupt day-to-day business.

Property

Buildings, equipment, inventory, and other property that the business uses.

Vehicles

The cars, trucks, and other vehicles used to keep the business moving.

Backed by the Berkshire Hathaway Insurance Group

75+

Years of experience as part of the Berkshire Hathaway Insurance Group

4.7/5

Rating from very satisfied THREE customers

A++

A.M. Best rating

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.

Mechanic working on the engine of a car in a repair shop

Auto services

Team of chefs preparing food together in a busy commercial restaurant kitchen

Bars & restaurants

Cleaning crew vacuuming carpet and washing windows in a modern office

Cleaning & janitorial

Landscaper in gloves laying a roll of fresh sod beside a paver walkway

Contractors & landscaping

Hotel housekeeper making a bed with fresh towels in a guest room

Hospitality

Interior atrium of a multi-level retail and office shopping center

Real estate

Two colleagues reviewing documents on a laptop in a bright office meeting room

Professional & personal services

Small business owners packing and labeling shipping boxes in a stockroom

Retail & wholesale

See how easy it is to get whole-business coverage for your business.

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Why THREE

Others zoom in. We zoom out.

Traditional business insurance often protects a business piece by piece. THREE does the opposite. We see the full picture, bringing broad coverage together in one clear policy, that's built around the whole business.

Financial strength

THREE

A++ from A.M. Best

Financial strength you can count on

Traditional marketplace

Varies per carrier

Ratings differ widely across providers

THREE

Coordinated coverage in one policy

Business Liability, Property, Cyber, Commercial Auto & Workers' Comp

Traditional marketplace

Often purchased separately

Add-ons and endorsements create gaps and blind spots

THREE

Clear, 3-page policy

See the full picture of what's protected

Traditional marketplace

80+ pages of legalese

Difficult to understand what's actually covered

THREE

One team behind every claim

Dedicated claims support backed by Berkshire Hathaway Insurance Group

Traditional marketplace

Fragmented claims support

Requires timely coordination when every second matters

THREE

Single carrier to work with

Billing, claims, and support in one place

Traditional marketplace

Manage policies across many carriers

Navigate different platforms and processes per carrier

THREE

One renewal date

Easy to manage with no risk of gaps

Traditional marketplace

Multiple renewal dates

More complexity with increased risk of coverage gaps

	THREE The most coverage in a single policy for businesses	Traditional marketplace Multiple carriers. Multiple policies. More coverage gaps
Financial strength	A++ from A.M. Best Financial strength you can count on	Varies per carrier Ratings differ widely across providers
Coverages	Coordinated coverage in one policy Business Liability, Property, Cyber, Commercial Auto & Workers' Comp	Often purchased separately Add-ons and endorsements create gaps and blind spots
Policy	Clear, 3-page policy See the full picture of what's protected	80+ pages of legalese Difficult to understand what's actually covered
Claims	One team behind every claim Dedicated claims support backed by Berkshire Hathaway Insurance Group	Fragmented claims support Requires timely coordination when every second matters
Policy management	Single carrier to work with Billing, claims, and support in one place	Manage policies across many carriers Navigate different platforms and processes per carrier
Renewals	One renewal date Easy to manage with no risk of gaps	Multiple renewal dates More complexity with increased risk of coverage gaps

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.

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