Restaurants & Taverns

Having a lot of insurance is not the same as having the right insurance.

THREE, from Berkshire Hathaway. The one comprehensive policy that protects your business’s operations, people and property.

Person baking for their business

Switch to comprehensive coverage today.

Get quote

It takes about 10 minutes.

Dangerous gaps have real consequences.

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Fires cause an average of $165 million in property damage to restaurants and taverns each year. 1

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40% of businesses do not reopen following a disaster. 2


With THREE, there are zero gaps between policies.

Having one comprehensive policy means you know you’ll have the coverage you need when you need it.

Business Liability

Business Liability

  • Errors & omissions
  • Directors & officers
  • Liquor liability (if required)
  • General liability
  • Employment Practices liability
  • Fiduciary liability
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Worker's Compensation

  • Lost wages
  • Medical treatment
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Business Interruption

  • Business income
  • Extra expenses
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Business Auto

  • Collision
  • Comprehensive
  • Auto liability
  • Cargo liability
  • Hired & non-owned


  • Data breach
  • Cyber liability
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Property & Assets

  • Fire
  • Theft
  • Flood & water damage
  • Wind & hail
  • Earthquake
  • Equipment breakdown

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Stay Informed

We understand the restaurant and tavern industry, its risks, and its possibilities.

When we created THREE, we knew it needed to accommodate evolving businesses, even when they grow or pivot in unexpected ways. Like when a fine dining restaurant launches a delivery service, or a café starts shipping its house roast beans. With one comprehensive policy, it’s simple to make sure your business has the coverage it needs today and tomorrow.

Coverage Highlights:

Liquor bottles on shelves

Liquor Liability

Whether you’re serving mimosas at your famous bottomless brunch or pouring wine for the dinner crowd, the same rules apply. While specific laws vary by state, if you serve alcohol to an intoxicated individual, you could be liable for their actions—whether it’s a fight, accident, or some sort of damage, your business can potentially be held responsible.

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Evolve with your business

Perhaps you’ll grow and add another location, or maybe you’ll expand beyond your four walls to provide delivery or catering services. THREE protects your business where you do business. On-site, or off.

Learn More

After more than a half century in the insurance business, Berkshire Hathaway is proud to welcome a new addition to our insurance family, THREE.

S&P Rating

Fortune’s #1
World’s Most Admired Companies: P&C Insurance

$38 Billion
claims paid in 2019

170+ Countries
Served by Berkshire Hathaway Insurance Companies

No loopholes and nothing to hide.

We think there’s a better way to insure your business.

THREE began with a simple idea: truly comprehensive insurance for small businesses. Go ahead and take a look at the policy, you may be surprised by what you see. And what you don’t. No jargon, no loopholes, no hidden exclusions. So, if your delivery guy is knocked off his bike by a swinging car door, he’s covered. If your pub is rented out for the night, it’s covered. If you cater a retirement party and get sued because a fight breaks out, a waiter behaves poorly, or the guest of honor has an allergic reaction, you’re covered. In a business where anything can happen, it’s important to have coverage for just about everything. With THREE you know how you’ll be covered, and you always know who to call if the need arises.

The Policy
THREE by Berkshire Hathaway 3-page Policy

Change, for the better

We’ve hit reset on small business insurance.

Over the last few generations, so much has changed with regard to how restaurants and taverns operate, particularly when it comes to the use of technology. Yet small business insurance has remained remarkably the same. We decided that it was time to put our decades of experience and unmatched financial stability to work and do something about that.

Our Story

See how THREE can protect your business

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Questions? Speak with a THREE Small Business Advisor.
Call 1-800-507-4495 or schedule an appointment for a callback. schedule a callback.

Frequently Asked Questions

How is this different than a Business Owner’s Policy (BOP)?

The Business Owner’s Policy (BOP) was first introduced in the 1970s to address the insurance needs of 1970s small businesses. The coverage included in a BOP varies from insurer to insurer, but typically includes some carefully limited coverage for your business’s property and liability.


To achieve adequate coverage, businesses may end up combining a BOP with other policies, requiring careful examination of the fine print to avoid any unexpected gaps in coverage or costly overlaps. For example, most BOPs do not include professional liability, auto insurance, worker’s compensation, flood protection or cyber insurance.


THREE is designed to provide broad coverage tailored to the unique needs of modern businesses in a single policy – reducing the risk of unexpected gaps or coverage overlaps – and eliminates unnecessary complexity at a price lower than they would otherwise pay.

What if I need specialty coverages unique to the Restaurant or Tavern Industry?

THREE provides broad, comprehensive coverage to address the typical needs of small businesses across a wide variety of industries. We are well versed in the risks associated with Restaurants and Taverns, if you think your particular needs might not be covered by our policy, call us at 1-800-507-4495 to speak with a Small Business Advisor.

How long will the quote process take?

Depending on the complexity of your business and the number of vehicles and locations you have, it should take about 15 minutes to get your quote over the phone. We don’t need to complete the quote process all at once, we can always save your information and pick up where you left off at a later time.

Why did you name your insurance THREE?

By removing all the jargon and legalese from small business insurance, we were able to create a simple, comprehensive policy that was surprisingly short. 3-pages short! And so, THREE was born.

Simplify your portfolio of business insurance policies. Switch to comprehensive coverage today.

Get A Quote

It takes about 10 minutes