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About THREE by Berkshire Hathaway
Small Business Insurance, Reset
Imagine if your small business could be protected by one simple, comprehensive insurance policy. We imagined it too—then we built it. Because small business insurance shouldn’t be complicated.
You run a business. You need insurance. It should be straightforward. Instead, most business owners are forced to piece together a confusing mix of policies from multiple providers, hoping the gaps don’t show up when it matters most.
Coverage from everywhere doesn’t mean coverage for everything.
Even with a full stack of policies, hidden exclusions can leave you exposed. And when a claim arises, you’re often left wondering who’s responsible—or worse, discovering no one is. That’s why we hit reset on small business insurance.
Introducing THREE: Comprehensive Coverage, Reimagined
THREE was built around a simple idea: one truly comprehensive policy for small businesses. No gaps between policies. No uncertainty. Just clear, complete protection.
With a single policy, you work directly with one provider. And with one provider, you never have to question who’s accountable when something goes wrong.
A Solution Built on Three Pillars
🔵 Simple
A straightforward policy written in plain English.
We removed the dense legal jargon and eliminated the unnecessary pages. What remains is a clean, easy-to-understand, three‑page policy that tells you exactly what’s covered.
🟡 Comprehensive
One inclusive policy to protect your entire business.
From liability to workers’ compensation, from flood to cyber, THREE is designed to cover the full spectrum of risks—without overlaps, gaps, or the hassle of juggling multiple insurers.
🟢 Cost‑Effective
Designed to cost 20% less than comparable coverage.
By pricing your policy around the specific risks of your business, you get exceptional protection without paying for what you don’t need.
We modeled THREE after the principles of Warren Buffett: honest, straightforward, and built to last.
“Without passion, you don’t have energy. Without energy, you have nothing.”
—Warren Buffett, Chairman of Berkshire Hathaway
Our Roots Are in Small Business
Small business is part of who we are. Berkshire Hathaway began as a modest textile company and grew through a commitment to simplicity, sound management, and financial strength. With that same commitment, Berkshire Hathaway proudly brings THREE to today’s small business owners.