Coverages
THREE brings together the coverages your clients need into one policy — so you can spend less time piecing together policies and more time writing business. Each THREE policy includes:
Business Liability
General Liability, Errors & Omissions, Employment Practices, Directors & Officers, Liquor Liability, Cyber Liability, Fiduciary Responsibility, Cargo, Hired & Non-Owned
Commercial Property
Covers scheduled buildings on an all-perils basis, including flood and earthquake.
Business Interruption
Replaces lost net income when operations are impacted by a covered loss, with up to
12 months of extended income protection.​
​Cyber Incident Response
Crisis Management, Data System Review & Recovery, Breach Notification, Credit Monitoring.
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All Other Property
Business Personal Property, Inland Marine, Equipment Breakdown.​
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Commercial Auto*
Auto Liability, Collision, Comprehensive, Towing, Rental Reimbursement.
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Workers' Compensation*
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*Optional coverages
Target Industries and Classes
THREE has a broad commercial appetite serving businesses of all sizes with tailored coverage shaped around how each business operates.
Auto Services
Car washers, detailing services, gas stations, mechanics, repair shops
Cleaning & janitorial
Commercial & residential cleaning
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Contractors & landscaping
Carpentry/framing, electricians, landscaping, painting, drywall, plumbing, HVAC, renovation
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Hospitality
Bed & breakfasts, hotels, inns, motels
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Real Estate
Apartment buildings, mixed-use, office spaces, retail shopping centers
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Restaurants
Bars, bakeries, cafes, food trucks, restaurants
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Professional & personal services
Accounting, business & IT consultants, home/building inspectors, insurance & real-estate agents, tattoo shops, software engineers
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Retail and wholesale
Clothing stores, convenience stores, florists, grocery stores, hardware stores, home-based businesses
THREE is built to help agents win
Place business faster
With a broad appetite and streamlined quoting experience, you can write business more efficiently across a wide range of industries.
Coverage you can stand behind
Sell with confidence, knowing your client is backed by the financial strength of the
Berkshire Hathaway Insurance Group, rated A++ (Superior) by A.M. Best.
One carrier for servicing
Eliminate the hassle of juggling multiple providers with one seamless servicing experience across billing, claims, and support at no additional cost.