Commercial insurance for professional & personal service businesses

Professional and personal service businesses rely on equipment and inventory to serve their clients. A fire or water damage can disrupt operations and lead to costly repairs or replacements.

Property coverage helps pay to repair or replace damaged business property while Business Interruption coverage helps replace lost income if you must temporarily close.

THREE’s policy offers Property and Business Interruption coverage, helping your business recover after an unexpected loss.

A mistake in a financial report, property inspection, or client recommendation could lead to claims that your work caused financial harm. If your business provides professional advice or services, you need Professional Liability.

Professional Liability coverage helps protect your business against claims of errors, omissions, or negligence.

THREE’s policy includes Professional Liability (E&O) coverage, helping protect your business if a client claims your work or advice caused a financial loss.

Your reputation depends on how you serve clients—and how you manage employees. Disputes involving hiring, discrimination, or termination can lead to costly employment-related claims.

These claims typically aren’t included under General Liability. To help protect your business, you need Employment Practices Liability Insurance (EPLI).

THREE’s policy includes Employment Practices Liability Insurance, helping protect your business and reputation when an employee makes a claim.

Professional and personal service businesses depend on trusted access to client records and business accounts. If a phishing attack compromises an employee’s login and exposes sensitive information, the financial and reputational impact can be significant.

Cyber Liability coverage helps pay expenses resulting from a cyberattack, while Cyber Incident Response helps manage the incident, notify affected clients, and restore systems.

THREE’s policy includes Cyber Liability coverage and Cyber Incident Response, helping your business respond and recover after a cyber incident.

Company directors and officers make important decisions about finances, staffing, and growth. If someone claims those decisions caused financial harm or breached their duties, those leaders could face a costly lawsuit.

Directors and Officers coverage helps protect directors and officers against claims arising from their management decisions.

THREE’s policy includes Directors and Officers coverage, helping protect your company’s directors and officers against claims that their management decisions caused financial harm.