Direct Access Markets
1-800-485-0229
Request access to THREE to provide comprehensive insurance to business owners.
THREE PAGES.
1 COMPREHENSIVE POLICY.
AmSuisse has partnered with THREE by Berkshire Hathaway to offer a unique all-in-one business insurance policy that protects business—its people, property, and operations—with one comprehensive solution.
Combining key coverages like liability, property, and workers’ compensation into a single policy helps eliminate gaps. One policy also means one monthly bill and a single number to call for claims.
Get exceptional support.
The dedicated Agency Service Team at THREE provides assistance to both policyholders and agents. Access to the THREE platform allows you to quote, bind, and issue policies online.
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.
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.
PROPERTY
LIABILITY
THREE is issued by
Berkshire Hathaway Direct Insurance Company
AA+ S&P Rating
A++ A.M. Best Rating
WORKERS COMPENSATION
BUSINESS AUTO
CYBER
MUCH MORE
What would you like to know about the program?
THREE can accommodate multiple locations, but only within a single state, but unfortunately THREE cannot accommodate insureds with locations across multiple states.
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Arizona
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California
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Colorado
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Connecticut
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Georgia
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Illinois
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Indiana
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Iowa
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Kansas
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Louisiana
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Maryland
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Michigan
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Minnesota
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Missouri
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Nebraska
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New Mexico
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Nevada
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New Jersey
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North Carolina
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Ohio
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Oklahoma
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Oregon
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Pennsylvania
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South Carolina
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Tennessee
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Texas
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Utah
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Wisconsin
Restaurants & Bars
WHY THREE: Liquor Liability, Cyber Incident Response, Cyber Liability, Employment Practices Liability (EPLI), Employee Theft/Dishonesty, Equipment Breakdown, Food Spoilage
Artisan/Trade Contractors
WHY THREE: Blanket Additional Insured, Tools & Equipment, Contractors E&O, Commercial Auto, Hired & Non-Owned Auto Liability
Cleaning & Janitorial
WHY THREE: Blanket Additional Insured, Tools & Equipment, Janitorial Service Bond Liability
Hospitality
WHY THREE: Property of Others / Bailee / Entrusted Property Liability, Assault & Battery Liability, Employment Practices Liability (EPLI), Employee Theft/Dishonesty, Equipment Breakdown, Flood and Water Damage
Ineligible Industries
TRANSPORTATION
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For Hire Trucking
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Puclic Transport
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Local Delivery
HEALTHCARE
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Hospitals
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Healthcare Providers
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Nursing Care Facilities
CONSTRUCTION
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General contractors
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Home builders
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Builders Risk
MANUFACTURING
Exposure & Coverage Limits
THREE has no hard and fast limits on revenue, payroll, or TIV
The following risk characteristics will trigger an underwriting referral for closer review before releasing a quote:
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Revenue exceeding $6m
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Payroll exceeding $6m
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Building values exceeding $3m
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Building values more than +/- 20% from the pre-filled estimate replacement cost
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All Other Property values exceeding $1m
The following table lists THREE's limit appetite by coverage:
Coverage
Default Limits
Max Limits
Business Liability
$1m/3m
Up to $20m/20m in most states
Cyber Incident Response
$250k
Up to $1.25m
Listed Building
Pre-filled based on ISO ProMetrix
Any substantiated amount
All Other Property
Pre-filled based on class and revenue
Any substantiated amount, no less than $2.5k
Business Interruption
Pre-filled based on class, revenue, and employee count
Any substantiated amount
Auto Liability
$300k CSL
Up to $5m CSL
Listed Vehicle
Pre-filled based on IHS/Markit
Any substantiated amount
Umbrella Coverage
THREE can accommodate a client's need for Umbrella coverage by simply offering ground-up limits up to the desired amount.
For example, if a customer currently buys $1m umbrella limit attaching above $1m GL and AL limits, THREE would simply offer $2m limit for each of Business Liability and Auto Liability.
Request agency access to THREE today
AmSuisse has partnered with THREE by Berkshire Hathaway to provide agencies access to exclusive commission structures, bonus opportunities, and incentive programs made available through this carrier relationship. As an independent insurance distribution partner, AmSuisse works with carriers like THREE to bring you new carrier appointments, expanded market access, and growth-focused programs to qualified agencies through our expanding national carrier & agent network.
THREE by Berkshire Hathaway® is a registered brand and insurance carrier. All brand colors, imagery, and references associated with THREE are used to accurately represent THREE and its insurance products.
For questions or real-time human assistance, contact AmSuisse representative Len Tiernay at 832-907-2304.
Independent Agents, we've got markets!
Coastal Property
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BOP
Disability / Critical Illness
Personal
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Home
Auto
Worker's Comp.
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