Our Story

Small business insurance, reset.

Imagine if there was one simple, comprehensive insurance policy for your small business. We did. And then we created it.

Why is small business insurance so complicated?

You have a business, you need insurance. It seems like a simple idea. But instead of a simple policy that provides the coverage you need, you’re left to cobble together an assortment of complex insurance policies from multiple providers. The system is so cumbersome that costly brokers have become a virtual necessity.

We’ve hit reset on small business insurance.

THREE began with a simple idea: truly comprehensive insurance for small businesses. No gaps between policies, no costly brokers, no lingering doubts. Just straightforward, easy-to-understand coverage for your business. With just one policy, it’s easy to work directly with your provider. And with one provider, you don’t need to worry about who’s responsible when a situation arises.

create three logo

A solution built on three pillars.


No need for brokers or lawyers to translate your policy.

The only thing missing from THREE’s comprehensive policy is about 100 pages. After removing a mountain of legalese and skipping the doublespeak, you’re left with an easy-to-understand 3-page policy.


One inclusive policy to protect your whole business.

One policy designed to provide the coverage you need—from liability to workers’ compensation to flood and cyber—avoiding gaps between policies, overlaps in coverage, or multiple policies from multiple insurers.



Designed to cost 20% less than comparable coverage.

Priced for the specific risks of your business, you can now have the best coverage available without paying too much or for coverage you don’t need.

Where we came from

Chairman of Berkshire Hathaway

Warren Buffett

We modeled THREE after Warren Buffett: Honest, principled, and easy-to-understand.

“Without passion, you don’t have energy. Without energy, you have nothing.”

Our roots are in small business.

Small business is in our DNA because we were one. Founded as a modest textile company, Berkshire Hathaway has grown exponentially over the years, due largely to its commitment to good management, simplicity, and financial soundness. Today with this same commitment at its core, Berkshire Hathaway is proud to bring THREE to small business owners.

Today we’re the second-largest insurance underwriter in the country.

Berkshire Hathaway writes over $60 billion in insurance premiums a year across many different brands. Our decades of experience and unmatched financial stability make it possible for us to introduce a brand-new kind of small business insurance, THREE.

All Historical Photos: Spinner Publications

Our Stats

+170 Countries

Countries served by Berkshire Hathaway insurance companies

Fortune’s #1

World’s Most Admired Companies: P&C Insurance category

$35 Billion

claims paid in 2018


S&P Rating

Our Brands

Our promise: one policy, comprehensive coverage, and a fair price.

It sounds simple because it is. THREE is here to serve you and your business, with no middleman and as your business’s only insurer, we’ll protect you from loss, guide you through crisis, and be here when you need us.

Get a Quote from THREE