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A better way to protect your small business.

THREE is a new kind of small business insurance. It was designed to protect your business—your people, your property, your operations—all of it, with one comprehensive insurance policy.

One partner and one policy that Protects your business

All together in one policy.

Piecing together different policies can leave you with coverage gaps. THREE provides all the coverage most small businesses need in a single, seamless policy. One policy means just one monthly bill and a single number to call for filing a claim. Protecting your business couldn't be simpler.

Business Liability

  • General Liability
  • Directors & Officers
  • Liquor Liability
  • Errors & Omissions
  • Employment Practices Liability
  • Fiduciary Liability

Business Interruption

  • Business Income
  • Extra Expenses


  • Data Breach
  • Cyber Liability

Worker's Compensation

  • Lost Wages
  • Medical Treatment

Business Auto

  • Collision
  • Comprehensive
  • Auto Liability
  • Cargo Liability
  • Hired & Non-owned

Property & Assets

  • Fire
  • Theft
  • Flood & Water Damage
  • Wind & Hail
  • Earthquake
  • Equipment Breakdown
  • Inland Marine

One partner and one policy that Evolves with your business (and the world)

Group of people with packaged goods in a trolley

Consistent coverage for your changing needs.

Running a business is risky. While some calculated risks are within your control, many are just out there, lurking. Twenty years ago, most people had never even heard of a cyberattack, let alone cyber insurance. Today it’s a top concern. We designed our comprehensive policy to protect against these and other evolving risks. Whether you’re concerned about dangers from new technologies or old-fashioned accidents, THREE has your business covered.


We don’t want to suggest that all changes are frightening. Some are wonderful, others are just part of running a business. So whether you need to make adjustments because you won a new contract, wrapped up a big project, or weathered the storm of the century, know that with THREE you’ll have the policy you need.

We anticipate more than just risk.

THREE looks beyond the risks to consider what a business does, or may do in the future—like a restaurant launching a cooking class or a salon serving alcohol. By truly understanding the industries we insure, we can better anticipate potential needs. So, when you see a new opportunity, you can grab it, not start filling out forms and calling all your insurance providers.

One partner and one policy that Provides expert advice

Our Small Business Advisors are licensed agents and ready to help.

As experts in small business insurance they can answer your questions, accept your claim, and connect you with resources. And since we’ve replaced commissions with a commitment to exceptional service, your best interest is always our main concern.

Number 1

Comparing insurance policies.

How do you compare our single 3-page policy with the multiple policies you have now? Our Small Business Advisors are trained to do just that.

Number 2

Filing a claim.

When you call, you’ll be assigned an account manager to be in charge of your claim. They’ll keep it moving forward, making sure it doesn’t get stuck in processing limbo.

Number 3

Service throughout.

If something goes wrong, we’ll help you identify and secure the services, equipment, or facilities you need to keep your business moving.


Questions? Speak with a THREE Small Business Advisor.
Call 1-800-507-4495.

Ready for a policy that works for your entire business?

Get A Quote