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.
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Admitted (policies will be underwritten via BHHC Specialty Risk [BSR])
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A++ (Superior) Financial Strength Rating from A.M. Best
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Direct Bill (full pay or 12 pay options)
THREE offers a simple, innovative, all-encompassing policy to fit the needs of small business owners.
Eligible Classes
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Hotels, Motels, Bed & Breakfasts, Inns
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Landscaping and Tree Services (no logging, no work on trees over 40 feet)
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Restaurants and Bars (no nightclubs)
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Retail (General Merchandise, Convenience Stores, Liquor Stores, Coffee Shops, Bakeries)
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Hair Salons
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Cleaning and Janitorial
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Business and Marketing Consulting
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And More (Check Three Highlights)
Coverages
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
Auto Liability, Collision, Comprehensive, Towing, Rental Reimbursement
Cyber Incident Response
Crisis Management, Data System Review & Recovery, Breach Notification, Credit Monitoring
Workers Compensation
Building
Flood
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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