Restaurants & Taverns
Having a lot of insurance is not the same as having the right insurance.
THREE, from Berkshire Hathaway. The one comprehensive policy that protects your business’s operations, people and property.
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Dangerous gaps have real consequences.
Fires cause an average of $165 million in property damage to restaurants and taverns each year.1
With THREE, there are zero gaps between policies.
Having one comprehensive policy means you know you’ll have the coverage you need when you need it.
Business Liability
- Errors & Omissions
- Directors & Officers
- Liquor Liability (if required)
- General Liability
- Employment Practices Liability
- Fiduciary Liability
Worker's Compensation
- Lost wages
- Medical treatment
Business Interruption
- Business income
- Extra expenses
Business Auto
- Collision
- Comprehensive
- Auto liability
- Cargo liability
- Hired & non-owned
Cyber
- Data breach
- Cyber liability
Property & Assets
- Fire
- Theft
- Flood & water damage
- Wind & hail
- Earthquake
- Equipment breakdown
We understand the restaurant and tavern industry, its risks, and its possibilities.
When we created THREE, we knew it needed to accommodate evolving businesses, even when they grow or pivot in unexpected ways. Like when a fine dining restaurant launches a delivery service, or a café starts shipping its house roast beans. With one comprehensive policy, it’s simple to make sure your business has the coverage it needs today and tomorrow.
Coverage Highlights:
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Liquor Liability
Whether you’re serving mimosas at your famous bottomless brunch or pouring wine for the dinner crowd, the same rules apply. While specific laws vary by state, if you serve alcohol to an intoxicated individual, you could be liable for their actions—whether it’s a fight, accident, or some sort of damage, your business can potentially be held responsible.
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Evolve with your business
Perhaps you’ll grow and add another location, or maybe you’ll expand beyond your four walls to provide delivery or catering services. THREE protects your business where you do business. On-site, or off.
After more than a half century in the insurance business, Berkshire Hathaway is proud to welcome a new addition to our insurance family, THREE.
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AA+ S&P Rating
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Fortune’s #1 World’s Most Admired Companies: P&C Insurance
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$38 Billion claims paid in 2019
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170+ Countries Served by Berkshire Hathaway Insurance Companies
No loopholes and nothing to hide.
We think there’s a better way to insure your business.
THREE began with a simple idea: truly comprehensive insurance for small businesses. Go ahead and take a look at the policy, you may be surprised by what you see. And what you don’t. No jargon, no loopholes, no hidden exclusions. So, if your delivery guy is knocked off his bike by a swinging car door, he’s covered. If your pub is rented out for the night, it’s covered. If you cater a retirement party and get sued because a fight breaks out, a waiter behaves poorly, or the guest of honor has an allergic reaction, you’re covered. In a business where anything can happen, it’s important to have coverage for just about everything. With THREE you know how you’ll be covered, and you always know who to call if the need arises.
The Policy
Change, for the better
We’ve hit reset on small business insurance.
Over the last few generations, so much has changed with regard to how restaurants and taverns operate, particularly when it comes to the use of technology. Yet small business insurance has remained remarkably the same. We decided that it was time to put our decades of experience and unmatched financial stability to work and do something about that.
Our Story