Who Is THREE?
THREE by Berkshire Hathaway is a small-business insurance product built around a single, plain-language, three-page policy. Introduced in 2019 and backed by Berkshire Hathaway’s financial strength and claims experience, THREE bundles the coverages most small businesses need—general and professional liability, business property, business interruption, workers’ compensation, commercial auto, and cyber—into one contract. By combining these lines, THREE aims to eliminate the overlapping coverage and gaps that occur when a business pieces together multiple separate policies. The company says this streamlined approach can cost about 20% less than comparable stacked coverage.
THREE’s appeal is simplicity: one policy, one bill, and a single phone number for questions and claims. For Better Choice Insurance Group clients who want comprehensive small-business protection without wading through jargon and fine print, THREE offers an unusually transparent alternative. Because it draws on the underwriting and financial strength of the Berkshire Hathaway family of companies, it pairs that simplicity with a well-established claims operation. We help small-business owners weigh a bundled solution like THREE against traditional multi-policy structures to find the right fit.
What They’re Known For
- Three-Page Policy: Bundles core small-business coverages into one plain-language, three-page contract.
- All-in-One Coverage: Combines liability, property, business interruption, workers’ comp, commercial auto, and cyber.
- Berkshire Hathaway Strength: Backed by the financial strength and claims experience of Berkshire Hathaway.
- Simplified Cost: Designed to reduce overlap and gaps, which the company says can cost about 20% less.
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Where We Write THREE Insurance
Better Choice Insurance Group offers THREE coverage to clients across our service areas:
- Illinois: St. Charles, Naperville, Chicago, Aurora, Schaumburg
- Texas: San Antonio, Dallas, Houston, Austin, Fort Worth
- Indiana: Indianapolis, Carmel, Fishers
- Minnesota: Minneapolis, St. Paul, Bloomington