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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.
Frequently Asked Questions
Many insurance companies offer the option to get a quote directly on the carrier website. But to know how their rates compare to other carriers, you would need to spend a lot of time at your computer, entering the same info over and over.
Republic Insurance Group makes it easy - provide your information to us just one time, and we'll do all the work checking rates from all our carriers to find the right combination of coverage and affordability for you.
Start your quote online or call us at 817-516-5501.
Working with Republic Insurance Group gives you a local independent agent who can answer questions, review your coverage, help with policy changes, and check whether better options are available, including with other insurance companies if THREE is not the best fit for your specific needs.
Republic Insurance Group is happy to complete a throrough review of your current insurance and search for any and all discounts you may be eligible for.
Yes. Republic Insurance Group can review your THREE policy and help check for available discounts.
Discounts vary by company and policy type. Commonly offered discount types include bundling multiple policies together with the same company (like auto and homeowner), safe driving records, home safety features (fire, security, water), prior insurance history, paperless billing enrollment, and paid-in-full options (paying your premium annually instead of monthly).
In most cases, switching agents is pretty simple. You usually do not need to cancel your policy or change insurance companies. Instead, you can ask THREE to transfer your policy to a new agent of record.
The process varies by company, but it often involves completing a short Agent of Record form. Once the change is approved, your new agent can help review your coverage, answer questions, and assist with future policy changes and claims.
Our team can help you with keeping your policies with THREE, but switching your insurance agent to Republic Insurance Group
No. Republic Insurance Group is an independent insurance agency, which means we are not tied to just one insurance company.
Our job is to recommend the coverage and carrier that best fits your needs, budget, and preferences. If THREE offers the best value and the right coverage for you, we will recommend it. If another company provides better coverage or pricing, we will show you those options as well.
Because we represent multiple insurance companies, our goal is to help people find the right fit for their situation, regardless of carrier.