Workers’ Compensation, included with THREE’s policy.

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.

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Protection for your business and its employees.


Workers’ Compensation laws vary by state and set out requirements for coverage employers must provide their employees. This coverage, which can also be extended to owners and officers, follows work-related injuries and illness, and covers:

  • medical expenses
  • lost wages
  • death benefits

But employees can expose businesses to risks beyond just injuries, such as fraud, or claims of harassment or discrimination. That’s why small businesses often purchase separate policies for:

  • Employment Practices Liability
  • Employee Theft and Dishonesty
With a single comprehensive policy, THREE protects your business against all these types of liability, and more.

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, one bill, one call to file a claim. THREE’s policy includes coverage for:

Business Liability

Business Liability

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

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Business Interruption

  • Business Income
  • Extra Expenses



  • Data Breach
  • Cyber Liability

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Worker's Compensation

  • Lost Wages
  • Medical Treatment

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Business Auto

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

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Property & Assets

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

THREE’s sole focus is on small business.

Every business is unique. THREE provides exceptional coverage for businesses across these industries, and more.

Dining, Hospitality & Entertainment
Personal Services & Care
Professional Financial Services
Landscaping, Maintenance & Janitorial
Retail & Wholesale
Technology & Creative Services
Trades, Repair & Construction
Transportation & Trucking

Unsure if your business is described here? Call our Small Business Advisors at 1-800-507-4495 to check if THREE is right for your business.

Get Quote

Coverage with a typical

Workers' Compensation policy

Coverage with THREE's

comprehensive policy

All the coverage your business needs, all in one comprehensive policy.

THREE is different from other small business insurers. 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.

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No loopholes and nothing to hide.

Looking at our policy, you may be surprised by what you see. And what you don’t: no jargon, no loopholes, no hidden exclusions. Just straightforward, easy-to-understand coverage for your entire business. Go ahead, take a look. It’s just 3 pages long.

Read Our Policy
THREE by Berkshire Hathaway 3-page Policy

THREE is proud to be a member of the Berkshire Hathaway insurance family, which has been serving customers for a half century.

S&P Rating

Fortune's #1
World’s Most Admired Companies: P&C Insurance

$38 Billion
claims paid in 2019

170+ Countries
Served by Berkshire Hathaway Insurance Companies

More than 225,000 workplace injuries are caused by falls, slips or trips each year.
See how THREE can protect your business
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With THREE, Berkshire Hathaway brings some long overdue change to small business insurance.
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Questions? Speak with a THREE Small Business Advisor.
Call 1-800-507-4495.

Frequently Asked Questions

What if I need specialty coverages that are unique to my industry?

Accountants need coverage for accidental errors and omissions, wine bars need coverage for liquor liability, and truckers need coverage for their cargo. Every small business has different needs. THREE provides broad coverage to address the typical needs of small businesses across a wide variety of industries. Other providers offer a countless assortment of supplemental policies and optional coverages or endorsements which, even if inexpensive, still need to be added. If you don’t pick the right ones, your business won’t have the coverage it should. We believe the coverage your business needs should be included, not hidden away in optional endorsements you need to request. If for any reason you think your needs may not be covered by our policy, call us at 1-800-507-4495 to speak with a Small Business Advisor.

How can I compare this policy with what I have today?

THREE has created insurance that is clear and straightforward. Our policy is also completely new, which makes it hard to compare against the standard jumble of jargon-filled policies from other providers. That’s why our Small Business Advisors have been trained to decipher and compare insurance policies. Just gather your current policies and call 1-800-507-4495. We’ll help you compare and see the big picture. In most cases, the biggest difference is that THREE covers you for a far broader array of risks — real risks that affect your business – than your existing policies. This broader coverage means better protection and value for your business.

How is this different than a Business Owner’s Policy (BOP)?

The Business Owner’s Policy (BOP) was first introduced in the 1970s to address the insurance needs of 1970s small businesses. The coverage included in a BOP varies from insurer to insurer, but typically includes some carefully limited coverage for your business’s property and liability.


To achieve adequate coverage, businesses may end up combining a BOP with other policies, requiring careful examination of the fine print to avoid any unexpected gaps in coverage or costly overlaps. For example, most BOPs do not include professional liability, auto insurance, worker’s compensation, flood protection or cyber insurance.


THREE is designed to provide broad coverage tailored to the unique needs of modern businesses in a single policy – reducing the risk of unexpected gaps or coverage overlaps – and eliminates unnecessary complexity at a price lower than they would otherwise pay.

Why don’t any other companies offer a policy like this?

Insurance companies are conservative by nature. Most are not looking to rock the boat or try something new (unlike many small businesses), so they keep selling the same kind of insurance the same way they did 50 years ago. Berkshire Hathaway decided it was time for a change to better meet the needs of today’s small businesses.

How long will the quote process take?

Depending on the complexity of your business and the number of vehicles and locations you have, it should take about 15 minutes to get your quote over the phone. We don’t need to complete the quote process all at once, we can always save your information and pick up where you left off at a later time.

Protect your entire business with one comprehensive policy.

Get A Quote

It takes about 10 minutes