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Text Content

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THREE, you accept our use of cookies.

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Questions? Call us at 1-800-507-4495

 * About
   * Our Story
   * Why THREE
   * Become A Partner
 * Our Policy
 * Industries
   * Cleaning and Janitorial
   * Hospitality
   * Restaurants & Taverns
   * Technology Services
   * Trade Contractors
 * Resources
   * Articles & Whitepapers
   * Claims
   * FAQs
 * Certificates

1-800-507-4495

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COMPREHENSIVE INSURANCE FOR YOUR SMALL BUSINESS.


Policy start date:

Select a date
OCTOBER 2023

Su Mo Tu We Th Fr Sa 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23
24 25 26 27 28 29 30 31 1 2 3 4

CONTINUE
Click or press the Enter key or the spacebar to open the calendar
Go to previous month
Go to next month
Go to the previous year
Go to the next year
Close the date picker
Business location:



WHAT IS YOUR PRIMARY INDUSTRY?


SEARCH AND SELECT THE CLOSEST MATCH.

Your primary industry:

Change
 * Please enter a valid start date between 10/07/2023 and 01/04/2024 in
   MM/DD/YYYY format.
 * Please enter a 5 digit ZIP code.
 * Please select an industry from the dropdown.

Get Quote Now
Retrieve Your Quote
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RATED A 4.8 OUT OF 5


ACCORDING TO OUR VERIFIED CUSTOMERS

See all reviews >


WARREN BUFFETT THOUGHT INSURANCE COULD BE BETTER FOR SMALL BUSINESSES.


COMPREHENSIVE YET UNCOMPLICATED.

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.

Why THREE


WE SAY

We cover your business for theft of and physical damage to property your
business owns or leases.


THEY SAY

3. Covered Causes Of Loss
Risks of direct physical loss unless the loss is:
a. Excluded in Paragraph B. Exclusions in Section I; or
b. Limited in Paragraph 4. Limitations in Section I.

Actual policy language employed by many competitors.


NO FINE PRINT. NO SURPRISES.

The more pages in a policy, the more reasons there are to deny a claim. THREE’s
policy removes paragraphs of fine print and gets rid of gotchas. What's left is
a comprehensive yet uncomplicated policy.

Read Our Policy

THREE is issued by
Berkshire Hathaway Direct Insurance Company

AA+  S&P Rating A++  A.M. Best Rating


BACKED BY THE FINANCIAL STRENGTH OF BERKSHIRE HATHAWAY.

THREE was created out of Berkshire Hathaway, drawing on decades of insurance
experience, unmatched financial strength, together with expert and responsive
claims teams.

Read Our Story
Learn how claims work


THREE’S SOLE FOCUS IS ON SMALL BUSINESS.


EVERY BUSINESS IS UNIQUE. THREE PROVIDES EXCEPTIONAL COVERAGE FOR BUSINESSES
ACROSS THESE INDUSTRIES, AND MORE.


DINING, HOSPITALITY & ENTERTAINMENT


PERSONAL SERVICES & CARE


PROFESSIONAL FINANCIAL SERVICES


LANDSCAPING, MAINTENANCE & JANITORIAL


RETAIL & WHOLESALE


TECHNOLOGY & CREATIVE SERVICES


TRADES, REPAIR & CONSTRUCTION

Unsure if your business is described here? Call our Small Business Advisors at
1-800-507-4495 to check if THREE is right for your business.




SEE WHAT OTHER SMALL BUSINESS OWNERS HAVE TO SAY ABOUT THREE.


TRULY EASY TO NAVIGATE THROUGH

First time buying a policy online. Very simple and straight forward website.

5 star rating

John J.

”


GET COVERAGE, DON'T TAKE RISKS!

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!

5 star rating

Donald W.

”


SO QUICK AND HELPFUL, ALL I SEARCH FOR!

Thanks for coming through with the plan I was looking for. It is well priced and
an efficient process to get all set up.

5 star rating

Jill D.

”


LET’S GET YOU STARTED.

Complete your quote online and secure coverage today. Our licensed Small
Business Advisors can help you get started or guide you at any point in the
process.

Start Your Quote



SPEAK WITH A LICENSED SMALL BUSINESS ADVISOR.

Monday-Friday 8am–9pm EST


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1-800-507-4495

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Monday through friday, 8am to 9pm EST

© 2019-2023 Berkshire Hathaway Direct Insurance Company, dba THREE. All rights
reserved.

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DINING, HOSPITALITY & ENTERTAINMENT

 


RESTAURANTS & TAVERNS

 * Casual Dining
 * Catering
 * Fine Dining
 * Food Trucks & Carts
 * Quick Service & Takeout Restaurants
 * Snack Bars
 * Bars
 * Brewpubs
 * Cocktail Lounges
 * Taverns
 * Wine Bars


TRAVEL & HOSPITALITY →

 * Bed & Breakfasts
 * Event planning
 * Hotels
 * Inns
 * Motels
 * Travel Agencies

Learn More about Travel & Hospitality


ENTERTAINMENT

 * Billiard Halls
 * Bowling Alleys
 * Cinemas
 * Comedy Clubs
 * Event planning
 * Mini Golf
 * Museums & Galleries
 * Ticket Agencies


PERSONAL SERVICES & CARE

 


PERSONAL CARE →

 * Barber Shops & Hair Salons
 * Beauticians
 * Beauty Salons
 * Cosmetologists
 * Day Spas
 * Estheticians
 * Hair Removal
 * Hair Stylists
 * Masseuses
 * Nail Salons & Nail Technicians

Learn More about Personal Care


FITNESS & RECREATION

 * Billiard Halls
 * Bowling Alleys
 * Dance Studios
 * Gymnastics Gyms
 * Health Clubs & Gyms
 * Health Spas
 * Martial Arts Centers
 * Pool Facilities
 * Tennis Clubs


SOCIAL ASSISTANCE

 * Career & Life Coaching
 * Residential Care & Shelter Facilities
 * Social Work & Services


PROFESSIONAL FINANCIAL SERVICES

 


ACCOUNTING →

 * Accounts Payable Processing
 * Auditing
 * Certified Public Accountants (CPA)
 * Consulting
 * Payroll
 * Public Accounting Firms
 * Tax & Accounting Services

Learn More about Accounting


INSURANCE →

 * Actuarial Services
 * Claims Adjusting
 * Consulting
 * Insurance & Reinsurance Companies
 * Insurance Agencies
 * Insurance Brokerages
 * Public Adjuster

Learn More about Insurance


WEALTH MANAGEMENT  →

 * Brokerages
 * Consulting
 * Credit Reporting Agencies
 * Estate Planning
 * Financial Planning & Advice
 * Foreign Currency Exchange
 * Hedge Funds
 * Investment Advice & Management

Learn More about Wealth Management


LENDING

 * Mortgage Services
 * Savings & Loan Institutions
 * Venture Capital Firms


LANDSCAPING, MAINTENANCE & JANITORIAL

 


CLEANING & JANITORIAL SERVICES →

 * Carpet & Upholstery Cleaning
 * Commercial Cleaning
 * Construction Clean up
 * Facility Management
 * Home & Office Cleaning
 * Laundry & Dry Cleaning
 * Outdoor Cleaning
 * Restoration Services

Learn More about Cleaning & Janitorial Services


LANDSCAPING

 * Arborists
 * Equipment Operation
 * Groundskeeping
 * Hardscape Technicians
 * Irrigation Specialists
 * Landscape Design & Architecture
 * Lawn Care Maintenance
 * Tree Trimming & Removal


PROPERTY MANAGEMENT

 * Building Operations
 * Caretaker
 * Condo/Co-op Operations
 * Property Maintenance


RETAIL & WHOLESALE

 


RETAIL

 * Antique, Vintage & Thrift Stores
 * Building & Garden Materials
 * Clothing & Apparel
 * Convenience Stores
 * Department & Discount Stores
 * eCommerce
 * Electronics & Appliances
 * Food & Beverage
 * Health & Personal Care
 * Home Furnishings & Furniture
 * Rentals: Video & Clothing
 * Services: Printing & Scanning
 * Specialty Stores


WHOLESALE

 * Appliances & Hardware
 * Beauty Supplies
 * Computers & Electronics
 * Food & Beverage:
   * Dairy & Produce
   * Fish & Seafood
   * Grocery & Frozen Food
   * Meat & Poultry
 * Medical Equipment & Supplies
 * Office Equipment & Supplies
 * Optical & Hearing Aids
 * Pets & Pet Supplies
 * Sporting Goods


ADDITIONAL SERVICES

 * Arts & Educational Programs
 * Child Care
 * Engineering
 * Funeral Services
 * Medical Billing & Collections
 * Pet Care & Grooming
 * Real Estate Sales & Appraisals


TECHNOLOGY & CREATIVE SERVICES

 


TECHNOLOGY SERVICES

 * Application Service Provider
 * Computer Hardware Engineering
 * Computer Network Development
 * Computer Programming & Design
 * Consulting
 * Data Processing
 * Database Design
 * IT Project Management
 * IT Software Training Services
 * Network & Systems Administration
 * Software & App Development
 * Web Development


CREATIVE SERVICES →

 * Advertising & Public Relations
 * Architects & Draftsman
 * Consulting
 * Digital & Direct Marketing
 * Direct Mail Services
 * Graphic & Web Design
 * Interior Decorating & Design
 * Market Research
 * Media & Social Media
 * Photography & Illustration
 * Printing & Publishing
 * Procurement Consulting
 * Search Engine Services (SEO/SEM)

Learn More about Creative Services


TRADES, REPAIR & CONSTRUCTION

 


TRADE CONTRACTORS →

 * Carpenters
 * Drywallers
 * Electricians
 * Glazers
 * Ironworkers
 * Locksmith
 * Masons & Bricklayers
 * Painters
 * Plumbers

Learn More about Trade Contractors


CONSTRUCTION

 * Handyman Services
 * Home Remodeling & Renovation
 * Home Repairs
 * Property Restoration
 * Real Estate Fix and Flip


INSTALLATION & REPAIR

 * Alarm & Security Systems
 * Appliances
 * Audio / Visual
 * Fencing
 * Machine Repair
 * Office Equipment Repair
 * Vending Machine Services
 * Window Treatments


PRIVACY POLICY


BERKSHIRE HATHAWAY DIRECT INSURANCE COMPANY, DBA THREE (“THREE”), IS COMMITTED
TO PROTECTING YOUR PRIVACY. THIS POLICY DESCRIBES HOW WE PROTECT YOUR PRIVACY
AND SECURE THE PERSONAL INFORMATION THAT YOU PROVIDE TO US.


YOUR PRIVACY

In the course of our dealings with you, we will collect and process personal
information about you. Personal information includes any information allowing us
to identify you as an individual, for example, your name, your email address or
your telephone number. We will use your personal information in accordance with
all applicable laws and regulations that relate to data protection and privacy.
Subject to our Cookie Policy, we do not collect personal information from you
when you visit our website, only when you affirmatively provide it to us. The
information you provide will never be sold to a third party and any third party
that has access to your personal information in the course of providing services
for us is required to safeguard your information in the same manner that we do.


THE INFORMATION WE COLLECT

We collect information about you and your business in order to provide you with
a premium quote and issue you an insurance policy. We may also collect
information from third parties, such as credit histories and claim history,
which is disclosed to us as permitted by applicable law. You may have the right
to access and correct the personal information that we collect from and about
you. Please contact us at 1-800-507-4495 to know these rights may apply in your
state.


HOW WE USE YOUR PERSONAL INFORMATION

We use the personal information provided by you for purposes of determining
whether to issue an insurance policy, for servicing any policies issued, and for
purposes of adjusting any claims submitted under any policy. We may disclose
certain personal information to third parties as permitted or required by law,
for example to obtain a credit history necessary for processing your policy
application. We may share information in the course of satisfying certain
administrative functions under the policy such as with financial institutions
for premium payment, or in meeting our contractual obligations such as sharing
information with investigators, attorneys, medical professional, auditors,
actuaries and other insurers, or when we have a legal obligation to share such
information.

By submitting an application for insurance or otherwise providing information to
us, we have your consent for the use of your personal information in order to
perform a contract with you, or for our legitimate business and legal interests.


HOW LONG WE KEEP PERSONAL INFORMATION AND HOW WE PROTECT IT

We are required by law to keep your personal information only for as long as is
necessary for the purposes for which we are using it. The period for which we
keep your personal information will be determined by a number of criteria,
including the purposes for which we are using the information, the amount and
sensitivity of the information, the potential risk from any unauthorized use or
disclosure of the information, and our legal and regulatory obligations. We
train our employees to safeguard your information and we maintain physical and
procedural safeguards to prevent access to your information by third parties.
Finally, the use of your personal information is protected by applicable law.
Regardless of where we store any personal information, we will take reasonable
steps and implement appropriate measures to ensure that your personal
information is adequately protected in accordance with the law.


YOU CAN REVIEW AND CORRECT YOUR PERSONAL INFORMATION

You can contact us at THREE, P.O. Box 34987, Omaha, Nebraska 68134 and ask to
review or correct any personal information that you may specify. Our security
procedures may require that we request proof of identity before we are able to
disclose your personal information to you or comply with other requests. We want
to make sure that the personal information we hold about you and your
preferences as to how we contact you are accurate and up to date. If any of the
details are incorrect, please let us know and we will amend them.


THE INTERNET ENVIRONMENT

While we try to protect the information provided to us, you should recognize
that the transmission of information via the internet is not completely secure.
This risk is common across the internet and not specific to our services. We
cannot guarantee the security of your data (including your personal information)
transmitted to us via the internet; any transmission is at your own risk.

It is important for you to protect against unauthorized access to your password
and to your computing device. Be sure to sign off and close your browser when
you have finished your session. This will help to ensure that others do not
access your personal information if you share your computing device or use a
computing device in a public place such as a library or internet café.

We also use technology that includes web beacons to other websites that are not
ours. Those websites may place a cookie on your computer, which registers your
IP address and the websites that address visits. Part of our advertising
includes remarketing, a technology which allows advertising to people who have
previously visited our website when they browse websites across the internet. We
use that technology, including Google Analytics, to help us measure our website
performance or advertise our products and services. Please see our Cookie Policy
to learn more about how to restrict cookies on your computer. You can also learn
about available opt-outs for the web at Google Tools.


BY USING OUR WEBSITE YOU ARE ACKNOWLEDGING THE USE OF COOKIES AND THE
COLLECTION, SHARING, AND USE OF PERSONAL DATA FOR PERSONALIZATION OF ADS.


COOKIES AND SIMILAR TECHNOLOGIES

Cookies are small files that are sent to your computer when you visit our
website. They allow the website to recognize your browser and may store certain
information. You may be able to block cookies or receive a warning when a cookie
is being sent (typically in the privacy settings of your browser). However, some
features of our website may not function properly without the cookie. Cookies do
not gather personal information about you but you can read our Privacy
Policy for more information about how we protect any information we receive from
you.  


SORRY FOR THE INCONVENIENCE, WE ARE WORKING TO IMPROVE THE QUOTE EXPERIENCE.

Please come back later or call 1-800-507-4495 to speak with a Small Business
Advisor,Monday through Friday, 8am to 9pm EST

Mon. - Fri.

8am - 9pm EST.