Learn more about our industry appetite, state availability, target classes, and ineligibility so you can submit with confidence.

Click the ▶️ next to each title to expand or collapse that section.

Table of Contents

State availability

THREE is live in 29 states, with additional states planned in 2026.

• Arizona

• California

• Colorado

• Connecticut

• Georgia

• Illinois

• Indiana

• Iowa

• Kansas

• Kentucky

• Louisiana

• Maryland

• Michigan

• 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.

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Industry appetite

✅Target industries

Please note, this is not an exhaustive list. Use the **keyword eligibility guide** to find specific operation types that are within appetite.

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Artisan/Trade Contractors

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Auto Services

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Cleaning & Janitorial

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Food & Beverage

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Habitational/LRO

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