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Three Insurance

Three Insurance Company

THREE combines multiple business-critical coverages that small businesses need, like liability and workers compensation, all in a single policy. So you can replace piecemeal protection for your business.

  • Admitted (policies will be underwritten via BHHC Specialty Risk [BSR])

  • A++ (Superior) Financial Strength Rating from A.M. Best

  • Direct Bill (full pay or 12 pay options)

Check Out The
Revolutionary Policy Specimen

THREE offers a simple, innovative, all-encompassing policy to fit the needs of small business owners.

Eligible Classes

  • Hotels, Motels, Bed & Breakfasts, Inns

  • Landscaping and Tree Services (no logging, no work on trees over 40 feet)

  • Restaurants and Bars (no nightclubs)

  • Retail (General Merchandise, Convenience Stores, Liquor Stores, Coffee Shops, Bakeries)

  • Hair Salons

  • Cleaning and Janitorial

  • Business and Marketing Consulting

  • And More (Check Three Highlights)

Next Insurance Appetite Guide
Next Insurance Appetite Guide
Next Insurance Appetite Guide

THREE is designed to cover all the risks that a small business owner would expect to be covered by insurance, all on one policy. Included coverages are:

Business Liability
General Liability, Errors & Omissions, Employment Practices, Directors & Officers, Liquor Liability, Cyber Liability, Fiduciary Responsibility, Cargo, Hired & Non-Owned

Auto Liability, Collision, Comprehensive, Towing, Rental Reimbursement

Cyber Incident Response
Crisis Management, Data System Review & Recovery, Breach Notification, Credit Monitoring

Workers Compensation


All Other Property
Business Personal Property, Inland Marine, Employee Dishonesty, Equipment Breakdown

Business Interruption
Business Income, Extra Expenses

Three Approved States

For more information about Three simple comprehensive policy feel free to check out this quick 1-minute video

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