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Workers Compensation
A healthy business needs healthy employees
Workers’ Compensation insurance covers employees following work-related injuries or illnesses. In addition to providing the Workers’ Comp coverage required under state law, THREE provides your business with liability, property, and auto coverage — all in a single policy.
Protection for your business and its employees
Workers’ Compensation Coverage
Business owners need workers’ compensation insurance to protect both your business and your employees in the event of a work-related injury or illness. Workers’ Compensation provides medical and financial assistance to employees who are injured or become ill while performing their job and protects the business against financial losses. Workers’ Compensation coverage is required by most states and can also be extended to include owners and officers. Most policies cover:
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Medical Expenses
Surgeries, treatment, and rehabilitation
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Lost Wages
Allows recovery time after an illness or injury before an employee has to return to work
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Death/Survivor Benefits
Supports families by assisting with funeral costs, income compensation
Potential gaps in protection
Employees can also expose businesses to risks beyond just injuries, such as fraud, claims of harassment and discrimination, or theft. Small businesses often must purchase separate policies to protect against situations such as:
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An employee is being harassed by a coworker
Employment Practices Liability Insurance
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A job applicant alleges discrimination when not hired
Employment Practices Liability Insurance
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An employee claims their boss created a hostile workplace
Employment Practices Liability Insurance
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Your bookkeeper is paying fictitious vendors
Employee Theft and Dishonesty
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One of your workers steals from a client
Employee Theft and Dishonesty
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A sales rep is misusing the company credit card when traveling
Employee Theft and Dishonesty
THREE is different.
One policy, one bill, one call to file a claim.
Coverage with a typical Workers' Compensation policy
Coverage with THREE’s comprehensive policy
All the coverage your business needs, all in one comprehensive policy.
Instead of selling different types of policies to cover different parts of your business, we offer one policy to cover your entire business - your operations, your people and your property.
Get a Quote
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Frequently Asked Questions
What are our customers saying?
Really making a difference
This has been a long journey and a big risk to start my dream and with the help of your team, I am making my dream come true! Thank you guys so much for your help and being so nice and making this an experience I'll never forget. Thank you
James S.
Very reasonable and easy to deal with
Filled out an application online and ended up calling to speak with a representative and had a very positive experience with the rep I spoke with. I chose to get liability insurance and workers comp all at a very affordable rate and within 10 minutes. all in all honestly a great experience. thank you
Timothy Q.
So Easy
I needed a quote and a policy FAST. I had to move locations and needed a new policy ASAP. I was closed and would not be able to open back up without a active policy. Mike called me and walked through the estimate, taking the time to explain anything I had questions about and also found me some savings. I had a policy up and running the next day!!
Mark M.