What insurance coverage does my business need?

The coverage your business needs depends on its operations, employees, property, vehicles and any state or contract requirements.THREE covers the whole business through one policy instead of several separate policies, giving businesses protection across their entire operation. To check what your business may need, take THREE's coverage assessment quiz to ensure you’re protected from the start.

Will I need other policies on top of THREE's policy?

THREE's policy is built so businesses can get all the coverage they need without buying separate policies. If a contract or lender asks for specific coverage or limit, your agent or a THREE Business Advisor can review it with you and help satisfy their requirement.

What happens to my coverage if my business grows or changes?

THREE’s policy is built to support changes to a business. When you add employees, vehicles, buildings or equipment, you can simply request a policy change through My THREE Online or call us at 1-800-507-4495 to ensure your coverage keeps up.

Does THREE's policy include Workers' Compensation?

Yes, in most states where THREE is available, Workers' Compensation can be included in the same policy as your liability, property and other coverages. Workers' Compensation is optional so you can decide whether you'd like to include it on your policy whet getting a quote.

Coverages

Explore the comprehensive coverages that are included in a THREE policy.

Business Liability

Automatically Included

Provides protection if your business is responsible for injury, property damage, or professional errors. This coverage also provides legal defense if the claim involves a lawsuit.

Common situations covered

Accidental damage to customer property under your care
Customer slip and fall
Professional errors or omissions

Satisfies typical coverage requirements for

Cyber Liability
Employment Practices Liability
General Liability
Hired & Non-Owned Auto Liability
Professional Liability (Errors & Omissions)
Liquor Liability

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Commercial Property

Automatically Included

Pays to repair or replace damaged or stolen property that your business owns or leases.

Each listed Building is covered for damage to its structure and exterior including floors, roof, windows, and walls.

Includes:

All Other Property: Coverage that protects everything else your business owns, such as computers, furniture and fixtures, inventory, tools and equipment, whether it's on or off premises.
Business Interruption: Coverage that helps replace lost net income if your business cannot fully operate due to a loss covered.

Common situations covered

Embezzlement and employee fraud
Fire and smoke damage
Flood damage, if elected in select states
Non-flood related water damage
Theft and vandalization
Wind and hail damage

Satisfies typical coverage requirements for

Business Personal Property
Commercial Property
Electronic Data Restoration
Employee Dishonesty
Inland Marine

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Cyber Incident Response

Automatically Included

Provides dedicated experts to investigate the extent of a suspected cyber hack or data breach and to coordinate your business' response and recovery.

Common situations covered

Breach of customer data
Computer system hack
Ransomware attack

Satisfies typical coverage requirements for

Crisis management and PR
Customer breach notification and credit monitoring
Forensic system review
System recovery and restoration

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Commercial Auto

Optional

Covers business vehicles and includes liability protection for hired or non-owned vehicles.

Includes:

Vehicle coverage: Coverage that pays to repair or replace damaged or stolen vehicles.
Auto Liability: Coverage that responds to claims that your business is liable for an accident and provides legal defense if the claim involves a lawsuit.

Common situations covered