Comprehensive insurance for businesses

Your whole business in one clear policy.

THREE brings together all the coverage a business needs in one policy, giving you the full picture of what's protected.

Built for

Auto Services

Built for

Auto Services

Get a Quote Become an Agent

4.7

By our verified customers

A.M. Best Rating

A++

Backed by

Berkshire Hathaway Insurance Group

4.7

By our verified customers

A.M. Best Rating

A++

Backed by

Berkshire Hathaway Insurance Group

Team members working at computers on shared desks in a bright office with tall arched windows

Receptionist greeting a customer at the front desk beside a large arched window

Worker packing boxes at a stockroom cart while another loads a delivery van at the open loading door

Protection across the entire business.

We provide whole-business coverage for the people, operations, property, and vehicles that keep a business running.

Open-plan small business with a café, a reception desk, office desks, a packing station and a delivery van at the loading door

People

Employees and customers—the people who work for and interact with the business.

Operations

The services, systems, and liability risks that can disrupt day-to-day business.

Property

Buildings, equipment, inventory, and other property that the business uses.

Vehicles

The cars, trucks, and other vehicles used to keep the business moving.

View all our coverages

Protection across the entire business.

We provide whole-business coverage for the people, operations, property, and vehicles that keep a business running.

People

Employees and customers—the people who work for and interact with the business.

Operations

The services, systems, and liability risks that can disrupt day-to-day business.

Property

Buildings, equipment, inventory, and other property that the business uses.

Vehicles

The cars, trucks, and other vehicles used to keep the business moving.

View all our coverages

INDUSTRIES WE SERVE

Built for the businesses that keep our economy moving

We serve a wide range of businesses, with tailored coverage shaped around how each business operates. Explore some of the industries we cover below:

Mechanic inspecting a blue car in an auto service garage

Auto Services

THREE gives auto service businesses broad protection tailored to their day-to-day risks, all in one clear policy.

Chef plating dishes at the pass in a bright restaurant kitchen

Bars & Restaurants

Bars & restaurants can protect their entire operation with one clear policy from THREE.

Cleaners vacuuming and tidying a bedroom

Cleaning & Janitorial

THREE provides cleaning and janitorial businesses with whole-business coverage designed for the work they perform.

Tiler spreading adhesive on a tile in a renovated room

Contractors & Landscaping

THREE offers broad protection in one policy that’s built around the risks contractors and landscapers face.

Guest checking in at a hotel reception desk

Hospitality

THREE provides hospitality businesses with broad protection designed for the day-to-day risks they face.

Team meeting around a table in a bright office

Professional & Personal Services

THREE provides professional and personal service businesses with whole-business coverage tailored to the work they do.

Real Estate

THREE gives landlords and property owners a clearer way to protect their entire business in one policy.

Florist arranging bouquets in a small flower shop

Retail & Wholesale

THREE helps retail and wholesale businesses protect more of their operations with whole-business coverage designed for the risks they face.

THREE delivers a better commercial insurance experience

See why businesses and agents choose THREE.

Protect your whole business with confidence

THREE makes covering your business easy.

Get a quote for your entire business in minutes.

Manage your policy 24/7 with My THREE Online.

Dedicated support from licensed advisors.

Get a Quote Learn more

THREE delivers a better commercial insurance experience

See why businesses and agents choose THREE.

Protect your whole business with confidence

THREE makes covering your business easy.

Get a quote for your entire business in minutes.

Manage your policy 24/7 with My THREE Online.

Dedicated support from licensed advisors.

Get a Quote Learn more

Place coverage you can
stand behind

THREE helps grow your book of business and better support your clients.

Quote, bind, and manage policies in our Agent Portal.

Broad appetite for businesses of all sizes.

One carrier across billing, claims, and policy support.

Become an Agent Learn more

Why THREE

Others zoom in. We zoom out.

Traditional commercial insurance often protects a business piece by piece. THREE does the opposite. We see the full picture, bringing broad coverage together in one clear policy, that's built around the whole business.

Financial strength

THREE

A++ from A.M. Best

Financial strength you can count on

Traditional marketplace

Varies per carrier

Ratings differ widely across providers

THREE

Coordinated coverage in one policy

Business Liability, Property, Cyber, Commercial Auto & Workers' Comp

Traditional marketplace

Often purchased separately

Add-ons and endorsements create gaps and blind spots

THREE

Clear, 3-page policy

See the full picture of what's protected

Traditional marketplace

80+ pages of legalese

Difficult to understand what's actually covered

THREE

One team behind every claim

Dedicated claims support backed by the Berkshire Hathaway Insurance Group

Traditional marketplace

Fragmented claims support

Requires timely coordination when every second matters

THREE

Single carrier to work with

Billing, claims, and support in one place

Traditional marketplace

Manage policies across many carriers

Navigate different platforms and processes per carrier

THREE

One renewal date

Easy to manage with no risk of gaps

Traditional marketplace

Multiple renewal dates

More complexity with increased risk of coverage gaps

	THREE The most coverage in a single policy for businesses	Traditional marketplace Multiple carriers. Multiple policies. More coverage gaps
Financial strength	A++ from A.M. Best Financial strength you can count on	Varies per carrier Ratings differ widely across providers
Coverages	Coordinated coverage in one policy Business Liability, Property, Cyber, Commercial Auto & Workers' Comp	Often purchased separately Add-ons and endorsements create gaps and blind spots
Policy	Clear, 3-page policy See the full picture of what's protected	80+ pages of legalese Difficult to understand what's actually covered
Claims	One team behind every claim Dedicated claims support backed by the Berkshire Hathaway Insurance Group	Fragmented claims support Requires timely coordination when every second matters
Policy management	Single carrier to work with Billing, claims, and support in one place	Manage policies across many carriers Navigate different platforms and processes per carrier
Renewals	One renewal date Easy to manage with no risk of gaps	Multiple renewal dates More complexity with increased risk of coverage gaps

Backed by the

Berkshire Hathaway Insurance Group

75+

Years of experience as part of the Berkshire Hathaway Insurance Group

4.7/5

Rating from very satisfied THREE customers

page policy with no fine print or surprises

REVIEWS

See what other businesses have to say about THREE

Jeannie P.

Family Restaurant Owner from California

I had a wonderful experience getting our insurance through THREE. An agent helped me with answering the application questions and took the time to explain things. I got my quote right away. I like the easy to read 3 pages that explain coverage. I like that THREE covers all 3 types of insurance in one policy. Another agent helped me the second day to complete the enrollment process. Both were professional and courteous.

Lars K.

Great service from Michael J and follow through by Samantha S. They were knowledgeable and extremely polite and patient. The process of enrollment was quick and the offering was better than the insurance I had previously. Highly recommend Three!

Sara G.

I had a great experience with Joseph Schaaf. I was inquiring about a new general and professional liability coverage and he answered all of my questions and explained everything in detail. He followed up with me and replied on my emails in a timely manner.

James S.

Excellent Process from inquiry through sign-up. Very impressed with the immediate call back and ability to answer any questions, completing the transaction and providing all supporting documents and information in a timely manner.

Donald L.

My experience of procuring GL and PL insurance with THREE Insurance was easy, clean, efficient, and affordable. The people I interacted with were knowledgeable and helpful. The whole experience was more enjoyable than expected.

Mark M.

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!!

Donald W.

I appreciate THREE's comprehensive approach and breath of coverage. While I have not had to use the coverage and hope not to, it is comforting to know risks are covered!

Cynthia W.

Writing business with THREE a breeze. Our agency has grown exponentially with THREE since using SOCOTRA.

Andrew R.

I especially love the clone tool, which allows me to make modifications to existing quotes. Being able to pivot quickly with a new quote is invaluable.

Timothy Q.

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

See more reviews

For Businesses

Get a quote for your business

See how easy it is to get a quote for your entire business in just a few minutes.

Get a Quote

For Agents

Get appointed with THREE

Join our growing network of agency partners and give your clients a better way to protect more of their business.

Become an Agent