THREE by Berkshire Hathaway Comprehensive insurance for your small business.
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No Nonsense
Just Common Sense

No Nonsense
Just Common Sense

No Nonsense
Just Common Sense

No Nonsense
Just Common Sense

Rated a 4.6 out of 5 According to verified customers
List of THREE industries List of THREE Industries THREE Industries List graphic

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
3-Page Policy Stacked
WE SAY

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

Competitors Insurance Policy stacked
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
Old Berkshire Hathaway Inc building Old Berkshire Hathaway Inc building

THREE is issued by
Berkshire Hathaway Direct Insurance Company

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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 Right Arrow

THREE’s sole focus is on small business.

Every business is unique. THREE provides exceptional coverage for businesses across these industries, and more.

Restaurants and Taverns Icon Dining, Hospitality & Entertainment
  • Casual Dining
  • Catering
  • Fine Dining
  • Food Trucks & Carts
  • Quick Service & Takeout Restaurants
  • Snack Bars
  • Bars
  • Brewpubs
  • Cocktail Lounges
  • Taverns
  • Wine Bars
  • Bed & Breakfasts
  • Event planning
  • Hotels
  • Inns
  • Motels
  • Travel Agencies
Entertainment
  • Billiard Halls
  • Bowling Alleys
  • Cinemas
  • Comedy Clubs
  • Event planning
  • Mini Golf
  • Museums & Galleries
  • Ticket Agencies
Personal Services Icon Personal Services & Care
  • Barber Shops & Hair Salons
  • Beauticians
  • Beauty Salons
  • Cosmetologists
  • Day Spas
  • Estheticians
  • Hair Removal
  • Hair Stylists
  • Masseuses
  • Nail Salons & Nail Technicians
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 Services Icon Professional Financial Services
  • Accounts Payable Processing
  • Auditing
  • Certified Public Accountants (CPA)
  • Consulting
  • Payroll
  • Public Accounting Firms
  • Tax & Accounting Services
  • Actuarial Services
  • Claims Adjusting
  • Consulting
  • Insurance & Reinsurance Companies
  • Insurance Agencies
  • Insurance Brokerages
  • Public Adjuster
  • Brokerages
  • Consulting
  • Credit Reporting Agencies
  • Estate Planning
  • Financial Planning & Advice
  • Foreign Currency Exchange
  • Hedge Funds
  • Investment Advice & Management
Lending
  • Mortgage Services
  • Savings & Loan Institutions
  • Venture Capital Firms
Maintenance Icon Landscaping, Maintenance & Janitorial
  • Carpet & Upholstery Cleaning
  • Commercial Cleaning
  • Construction Clean up
  • Facility Management
  • Home & Office Cleaning
  • Laundry & Dry Cleaning
  • Outdoor Cleaning
  • Restoration 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 Icon 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
Creative and Technology Icon Technology & Creative 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
  • 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)
Tradesmen Icon Trades, Repair & Construction
  • Carpenters
  • Drywallers
  • Electricians
  • Glazers
  • Ironworkers
  • Locksmith
  • Masons & Bricklayers
  • Painters
  • Plumbers
  • 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
Vehicles Icon Transportation & Trucking
  • Airport Car & Shuttle Services
  • Bus Company
  • Bus Tours
  • Chartered Bus Service
  • Limousine Company
  • Livery Company
  • School Transportation
  • Taxi/Cab Company
  • Auto Transport
  • Bulk Hauling
  • Courier Service
  • Dump Truck Hauling
  • Furniture Delivery
  • Grocery & Food Delivery
  • Local Trucking & Delivery
  • Long Distance Trucking
  • Package delivery

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.

Industries images
Grid of Different Industries

See what other small business owners have to say about THREE.

Well done!

This was a great insurance experience. Super easy to walk through the coverage I needed. Was a better price for better insurance than others.

4 star rating
THE L.
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.
Truly Easy To Navigate Through

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

5 star rating
John J.

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
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Business advisor on a call
Speak with a licensed Small Business Advisor. Monday-Friday 8am–9pm EST
Phone
Call us now 1-800-507-4495