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Why THREE > Hospitality



You provide shelter from a storm, comfortable beds for weary travelers and hot coffee to get them going in the morning. Whether guests see your place as a home away from home or a break from the everyday drudgery, your job is to make them feel comfortable. The risk you accept just letting them in the door never even crosses their minds. But since you can’t change the nature of your business, we’ll do our part to help keep things running smoothly.

THREE was created to help you manage inherent risk and seize on opportunities when they present themselves. So, if you decide to introduce a guest shuttle service, start hosting a weekly happy hour, add a pool, try selling your famous muffins or just about anything else you can think of, give us a quick call and we’ll update your account.

No matter how great an idea or perfect a plan, so much remains out of your control. That’s why THREE was designed to provide the kind of comprehensive coverage necessary to protect your operations, your people and your property, so you can keep your business going and growing.

Your Operations

Your tubs are non-slip, your reservation network is encrypted, and the pool is only 3’ deep. When it rains you literally put out the (non-slip) welcome mat—from the front door all the way to the elevator. You take all the necessary precautions, but sometimes, it’s just not enough.

58% of hotel workers & 77% of casino workers have been sexually harassed by a guest.

Your Operations, slip scenario


We keep a giant stack of plush towels by the pool but people still walk down the hall, literally, dripping wet. A few months ago, these kids were waiting for the elevator, by the time it came they had gotten the tile floor just wet enough that when another guest took one step off the elevator he slipped, fell and fractured his elbow.

Your Operations, fender bender scenario

Fender Bender

Our lot is usually self-park, but if we’re hosting an event we provide valet service. Last month two of my drivers backed into each other. What’s the opposite of a head-on collision? Tail on? Well, suffice it to say the guests were not amused.

Your Operations, cyber scenario


Last year one of my concierges opened an email that he thought was from a guest—which it wasn’t. He clicked on something and apparently installed some sort of spyware on our network.  By the time we realized it, 6 years’ worth of guest credit card and address information had been stolen.

Your People

Your staff is kind, courteous and professional (all the online reviews say so). Assembling your dream team wasn’t easy, but now that you have them, keeping them happy and safe needs to be a top priority. Unfortunately, no matter how much training you do and how many safety posters you hang, accidents still happen.

26% of injured employees in the hotel industry missed more than 31 days of work.

Your People, fall scenario


About 6 months ago a guest called down to complain that their curtains were stuck and they couldn’t close them. It was late so we only had one member of our maintenance team here. He went up to take care of it. His foot got caught in the curtain and he fell off the step ladder into the desk. He dislocated his shoulder and broke his arm.

Your People, back pain scenario

Back Pain

Not too long ago I upgraded our beds and bedding. King size pillow top mattresses and 1,000 thread count sheets— the guests loved ‘em. My housekeeping staff, not so much. Those beds may look soft and fluffy, but they’re big and heavy, like over 100 lbs. Right now, I’ve got two housekeepers going for physical therapy to address their wrist and back pain.


Your Property

In the hospitality business, damage to your physical property can mean more than just a costly repair, it can mean a significant loss of revenue when a room or entire floor can’t be rented out. Being able to make repairs quickly and being insured for a business interruption is crucial.

Fires in hotels & motels result in an average of $84 million in direct property damage each year.

Your Property, smoking fire scenario

Smoking Fire

My inn is 100% non-smoking, but some people just don’t care. Last year one of our guests was smoking. In bed. He fell asleep and started a fire. He woke up when it was barely smoldering, but instead of stomping it out he ran out of the room and down to the front desk! By then it was a full-blown fire. The room was destroyed and the entire floor smelled of smoke for weeks.

Your Property, earthquake scenario


We are used to small tremors, but this quake was the biggest in years. Our hotel had only minor damage but the pool ended up with a significant crack. It was out of commission for weeks. Around here the pool is a major draw, without it, the place is a tough sell. We lost a lot of reservations before the pool was usable. 

Your Property, flood scenario


Our place isn’t beach front, we can’t even claim a peek-a-boo view. That’s okay though, we’ve never had to worry about storms or flooding. Until last month. The water had never come into town before. It was flowing down the streets like a river. May not have been the end of the world, but it was the end of a lot of homes and businesses.

Bottom Hero, hotel service making bed

From romantic weekend destinations to the business travelers’ home away from home

Whether you’re running the trendiest downtown hotel or a quiet bed & breakfast on the outskirts of town, your success depends on making people feel comfortable. Our success depends on protecting your business. From quick claims processing to crisis management support to legal counsel, we’re here when you need us.

THREE provides comprehensive coverage for:

Small business coverage then.

Coverages and gaps notes

Small business coverage now.

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Questions? Speak with a THREE Small Business Advisor.
Call 1-800-507-4495.

An ounce of prevention

The best way to protect your business is to educate your staff to help prevent risky situations to begin with. In addition to online training tools, THREE offers these convenient posters that you can print out and start using right now.

Ready to simplify your insurance and get ready for whatever comes next?

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