Slips and falls. Client dissatisfaction. Cybercrime. Property damage. Workers’ Comp. If anyone understands the many, many, many risks faced by a small business, it’s you. As a member of the insurance industry you know as well as anyone the consequences of operating without the proper insurance.
THREE was created to give you the freedom to accept new opportunities without accepting unnecessary risk. So, if you’d like to expand your business to include retirement planning, branch into investment management, move from personal to commercial (or vice versa), host a workshop 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.
You know your clients, their hopes, their dreams, their families and their businesses. And more importantly they know they can count on you. For honest answers, expert guidance and prompt attention. They know that if things go wrong, you’ll be there for them.
60% of businesses say regulatory accountability impacts their decision-making process.
One day about six months ago I had a couple of people out at meetings and one out sick. I was working in the back and my 2 agents were on the phone when it started to rain. Before anyone had a chance to put the mats down, a client came in for an appointment. She promptly slipped and hit her head. The floor wasn’t even wet, but her shoes were.
Last summer when our office got infected with some sort of virus, my tech guy said we were “lucky.” I understand it could have been far worse, but we weren’t allowed to access the network for 3 days. It definitely cost me at least one new account and made a bad impression a number of prospects and several clients.
We try to do right by our clients—help them get the coverage they need without paying more than they should. One of our clients, a restaurant, expanded into catering. It wasn’t until a situation arose that we all realized there was a gap in their coverage–they weren’t covered for offsite alcohol service. Now they’re suing us to recoup their losses.
Insurance may be a product, but your business is all about your people. Whether it’s a personal connection with a client, assessing the damage after a storm or working out contingency plans with a client, your people are your business. Which is why protecting them is job one.
The #1 influencer on harassment is workplace culture.
The fees on our 401(k) seemed kind of high. Our HR director did some research and found switching providers could save everyone 1.5%/year. Problem is, the day everyone’s plan moved, the market was down, so on paper it looked like a huge loss. One of my employees who’s around 60 panicked and got a lawyer. Accused us of stealing her retirement.
There was a big storm a few months ago. Trees down, power outages, roads flooded, it was something. My roof looked like it might be damaged, one of my agents who spent his summers working construction straight through college offered to take a look. I should have known better. He lost his footing and slipped. Two weeks in the hospital and another four at home.
While it’s true that your people make your business, let’s face it, property can be really, really expensive. The car you drive to inspect a claim? The office space? The equipment? Sure, there’s nothing that can’t be replaced—if you can afford it.
86% of IT practitioners report someone in their organization having a laptop lost or stolen.
Claims assessments are usually routine, sometimes they can be dangerous. Occasionally, they’re both. Not long ago one of my adjusters went out to a client’s house to assess some water damage. She was just turning the corner to their house when a dog ran out in front of her. She swerved to avoid it and slammed into a garbage truck. She was okay, but my van was totaled.
We’re not a tech firm with high end equipment and we don’t keep cash in the office, I don’t know why anyone would bother breaking in here, but they did. Last year, someone smashed a window and made off with all our laptops. The newest was probably a year old, not much resale value. But all our records and emails and contacts…it was a mess.
Whether you’re crunching numbers, surveying damage or putting together a proposal, your clients trust you to make sure they are properly protected. But just as airline flight crews advise putting on your oxygen mask before helping others, you need make sure your business has the coverage it needs.
Actuarial Services & Consulting
Questions? Speak with a THREE Small Business Advisor.
Call 1-800-507-4495.
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.
First Aid for a Heart Attack
Recognizing Medical Conditions
Communication Tips for a Diverse Workforce
101 Stress Relievers
Managing Work Stress
A Guide to Worksite Fire Safety
Get the latest updates from THREE
Contact a Small Business Advisor at 1-800-507-4495
Mon. - Fri. 8am-9pm EST
Monday through friday, 8am to 9pm EST
© 2019-2024 Berkshire Hathaway Direct Insurance Company, dba THREE. All rights reserved.
Cookie Policy Privacy Policy Sitemap Pressroom Careers Get a QuoteIn the course of our dealings with you, we will collect and process personal information about you. Personal information includes any information allowing us to identify you as an individual, for example, your name, your email address or your telephone number. We will use your personal information in accordance with all applicable laws and regulations that relate to data protection and privacy. Subject to our Cookie Policy, we do not collect personal information from you when you visit our website, only when you affirmatively provide it to us. The information you provide will never be sold to a third party and any third party that has access to your personal information in the course of providing services for us is required to safeguard your information in the same manner that we do.
We collect information about you and your business in order to provide you with a premium quote and issue you an insurance policy. We may also collect information from third parties, such as credit histories and claim history, which is disclosed to us as permitted by applicable law. You may have the right to access and correct the personal information that we collect from and about you. Please contact us at 1-800-507-4495 to know these rights may apply in your state.
We use the personal information provided by you for purposes of determining whether to issue an insurance policy, for servicing any policies issued, and for purposes of adjusting any claims submitted under any policy. We may disclose certain personal information to third parties as permitted or required by law, for example to obtain a credit history necessary for processing your policy application. We may share information in the course of satisfying certain administrative functions under the policy such as with financial institutions for premium payment, or in meeting our contractual obligations such as sharing information with investigators, attorneys, medical professional, auditors, actuaries and other insurers, or when we have a legal obligation to share such information.
By submitting an application for insurance or otherwise providing information to us, we have your consent for the use of your personal information in order to perform a contract with you, or for our legitimate business and legal interests.
We are required by law to keep your personal information only for as long as is necessary for the purposes for which we are using it. The period for which we keep your personal information will be determined by a number of criteria, including the purposes for which we are using the information, the amount and sensitivity of the information, the potential risk from any unauthorized use or disclosure of the information, and our legal and regulatory obligations. We train our employees to safeguard your information and we maintain physical and procedural safeguards to prevent access to your information by third parties. Finally, the use of your personal information is protected by applicable law. Regardless of where we store any personal information, we will take reasonable steps and implement appropriate measures to ensure that your personal information is adequately protected in accordance with the law.
You can contact us at THREE, P.O. Box 34987, Omaha, Nebraska 68134 and ask to review or correct any personal information that you may specify. Our security procedures may require that we request proof of identity before we are able to disclose your personal information to you or comply with other requests. We want to make sure that the personal information we hold about you and your preferences as to how we contact you are accurate and up to date. If any of the details are incorrect, please let us know and we will amend them.
While we try to protect the information provided to us, you should recognize that the transmission of information via the internet is not completely secure. This risk is common across the internet and not specific to our services. We cannot guarantee the security of your data (including your personal information) transmitted to us via the internet; any transmission is at your own risk.
It is important for you to protect against unauthorized access to your password and to your computing device. Be sure to sign off and close your browser when you have finished your session. This will help to ensure that others do not access your personal information if you share your computing device or use a computing device in a public place such as a library or internet café.
We also use technology that includes web beacons to other websites that are not ours. Those websites may place a cookie on your computer, which registers your IP address and the websites that address visits. Part of our advertising includes remarketing, a technology which allows advertising to people who have previously visited our website when they browse websites across the internet. We use that technology, including Google Analytics, to help us measure our website performance or advertise our products and services. Please see our Cookie Policy to learn more about how to restrict cookies on your computer. You can also learn about available opt-outs for the web at Google Tools.
Cookies are small files that are sent to your computer when you visit our website. They allow the website to recognize your browser and may store certain information. You may be able to block cookies or receive a warning when a cookie is being sent (typically in the privacy settings of your browser). However, some features of our website may not function properly without the cookie. Cookies do not gather personal information about you but you can read our Privacy Policy for more information about how we protect any information we receive from you.
Please come back later or call 1-800-507-4495 to speak with a Small Business Advisor, Monday through Friday, 8am to 9pm EST
