THREE is an all-in-one insurance option for businesses that want a comprehensive policy that works for them today and as they grow in the future.
- One policy. One bill. One provider.
- Backed (and issued) by Berkshire
Hathaway Direct Insurance Company - A++ A.M. Best Rating
- Direct bill options (full pay or monthly)
Eligible classes
- Auto services: repair shops, mechanics, gas stations, car washes
- Business & marketing consulting
- Cleaning & janitorial
- Electricians
- Hair salons
- Handyperson; home improvement, appliance installation, service, repair
- Hotels: motels, bed & breakfasts, inns
- HVAC & plumbing
- Insurance agents
- IT consulting & software development
- Landscaping & tree services (no logging)
- Painters
- Residential remodeling & renovation
- Restaurants & bars (no nightclubs)
- Retail: general merchandise, convenience stores, liquor stores, coffee shops, bakeries
Types of coverage
- Auto
Auto Liability, Collision, Comprehensive, Towing, Rental Reimbursement - Business Liability
General Liability. Professional Liability (Errors & Omissions), Employment Practices Liability, Cyber Liability, Hired & Non-Owned Liability - Workers’ Compensation
- Business Interruption
Business Income, Extra Expenses - Cyber Incident Response
Forensic System Review, System Recovery & Restoration, Customer Breach Notification & Credit Monitoring, Cyber Liability - Property
Commercial Property, Inland Marine, Employee Dishonesty, Electronic Data Restoration
Our broad appetite spans the commercial market, with a focus on key New York industries. To help you submit with ease, THREE offers an Eligibility Checker to instantly see which classes are eligible in New York.
NY quoting exclusions:
- Workers’ Compensation is not offered in New York.
- Contractors are not in appetite in New York.
- Commercial Auto will not be available until later this year.