Table of Contents

State availability

• Arizona

• California

• Colorado

• Connecticut

• Georgia

• Illinois

• Indiana

• Iowa

• Kansas

• Louisiana

• Maryland

• Minnesota

• Missouri

• Nebraska

• Nevada

• New Jersey

• New Mexico

• North Carolina

• Ohio

• Oklahoma

• Oregon

• Pennsylvania

• South Carolina

• Tennessee

• Texas

• Utah

• Wisconsin

<aside> 💡 THREE can accommodate multiple locations, but only within a single state — THREE cannot accommodate insureds with locations across multiple states.

</aside>

Industry appetite

Target industries

This is not an exhaustive list. Use the keyword eligibility guide to find a specific operation type.

✅ Food & Beverage

Including:

• Restaurants
• Bars
• Bar & grill
• Bakeries
• Cafes
• Food trucks

Why THREE:

• Liquor Liability
• Cyber Incident Response
• Cyber Liability
• Employment Practices Liability (EPLI)
• Employee Theft/Dishonesty
• Equipment Breakdown
• Food Spoilage

You should know:

• No nightclubs or bottle service
• No bouncers, cover charges, or ticketed entry
• Live music okay, but no dance floor
• Bars are only eligible in TX & CA

✅ Hospitality

Including:

• Hotels, Motels
• Inns, Bed & breakfasts
• Franchise and Independent
• Full-Service
  • Restaurant & Bar
  • Fitness Center
  • Pool
• Interior & Exterior Entry

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

You should know:

• No AirBnB/VRBO
• No high crime locations

✅ Habitational/LRO

✅ Artisan/Trade Contractors