Send the package and its declarations
Share the policy, declarations page and any endorsements. Your Spot team notes whether you came through a Small Business Advisor, the online quote or a partner agent.
Maple Street Co.Organized by Spot
Switch from THREE
Switching from THREE? Compare your options with Spot
Spot reads your THREE package policy part by part and asks brokers to quote the same pieces, whether you bought direct or through a partner agent.
- Each part of the package listed and compared
- Direct and agent-bought policies both handled
- Your THREE policy runs until the new one binds
How it works
We list every part inside the package
A business owner’s package can hold liability, property, auto, workers’ compensation and more. Your Spot team writes down each part with its limit, waiting period and exclusions, so a proposal can be checked against all of it.
Business owner’s policy
Maple Street Co. · Policy review
- Policy wording
- Coverage limits
- Compare with
- Contract requirements
Confirm with your broker
Limits, exclusions, and endorsements
Brokers quote the same components
Spot prepares one submission and works with brokers to approach insurers that write a package or separate policies for your lines. Their questions reach you in your Slack channel.
# spot-support
AlexMaple Street Co.
Can we explore other brokers for our business owner’s policy?
RileySpot
Let’s review the information and discuss the next steps with your broker.
Bind, then keep certificates handy
You choose between a new package and separate policies. Your Spot team helps you bind, and certificates of insurance for the new policies can be generated in the Spot app.
AlexMaple Street Co.
Can you help prepare proof of our business owner’s policy?
Certificate of insurance
Maple Street Co.
Ready for your review
Moving from THREE by Berkshire Hathaway
THREE by Berkshire Hathaway markets packaged commercial insurance for small businesses through a direct quote route and a partner-agent platform. Eligibility and availability are quote-specific and vary by state. Its package options include business owner’s policies, workers’ compensation, commercial auto and professional liability.
Why businesses consider switching
- 01
You outgrew one bundled policy
More vehicles, locations or staff can make separate policies with their own limits worth a look.
- 02
A renewal looks different
A new premium or changed terms at renewal are a natural time to compare.
- 03
A landlord or client wants specific wording
Contract requirements can call for endorsements a package doesn’t include.
- 04
You’d like help with changes
Adding vehicles or locations is quicker with a team handling the paperwork alongside you.
How to switch without a gap
- 01
Find your policy period
The declarations page shows the dates. Moving at the end of the term avoids paying twice for the same cover.
- 02
Ask for matching components
Tell brokers which parts of the package you want replaced so nothing drops out of the new quote.
- 03
Hold the new policy first
Get written confirmation that it has bound and when it begins. Leave the THREE policy active until then.
- 04
Cancel by the route you used
If you bought online, use My THREE Online or your advisor. If an agent placed it, ask the agent to send the request.
Coverage to consider
Business owner’s policy
Buy a business owner’s policy with Spot: a prepared submission, packages compared on property, liability and income terms, and certificates ready when asked.
Get quotesGeneral liability
Buy general liability with Spot: we prepare your submission, compare broker proposals on limits and terms, and get certificates and endorsements ready.
Get quotesCommercial property
Commercial property insurance with Spot: every location prepared for the market and proposals compared on valuation, coinsurance, deductibles and exclusions.
Get quotesWorkers’ compensation
Workers’ compensation with Spot: state requirements checked, payroll and job classifications described correctly, and broker proposals compared before you bind.
Get quotesCommercial auto
Commercial auto with Spot: one submission for your vehicles and drivers, and proposals compared on liability, vehicle damage, deductibles and who’s covered.
Get quotesCyber liability
Buy cyber insurance with Spot: we describe your systems and controls for insurers, compare response and liability limits, and check customer cyber clauses.
Get quotesEquipment breakdown
Equipment breakdown insurance with Spot: critical equipment listed by location, and proposals compared on repair, lost income, spoilage and deductibles.
Get quotesProfessional errors and omissions (E&O)
Buy professional liability (E&O) with Spot: a prepared submission, proposals compared on scheduled services, claims-made terms and defense, and certificates handled.
Get quotes
Common questions
Does my package matter when I compare?
Yes. A package bundles coverages under one policy, so your Spot team asks for the same components from other insurers and checks nothing falls out.
Did I buy direct or through an agent?
Your paperwork shows it. If an agent was involved, they’re your first call; if you bought direct, check your online account. Spot works alongside agents and brokers either way.
Is THREE part of Spot or the other way round?
Neither. Spot isn’t affiliated with THREE or with Berkshire Hathaway, and the name is used only to point at your current policy.
Can I leave before the term ends?
Perhaps. Look at the cancellation terms in your policy, find out how any refund is worked out, and bind the replacement first.
Do I lose my agent if I use Spot?
No. Spot works with agents and brokers and takes no commissions on premiums, so yours can stay involved.
Related
Get insurance off your to-do list.
Spot reads your THREE package policy part by part and asks brokers to quote the same pieces, whether you bought direct or through a partner agent.
Get StartedLearn more before you switch providers
Read these before you choose a policy or an insurer.
More guides
- Business owner’s policy: A Buyer’s Guide
- General liability: A Buyer’s Guide
- Commercial property: A Buyer’s Guide
- Workers’ compensation: A Buyer’s Guide
- Commercial auto: A Buyer’s Guide
- Cyber liability: A Buyer’s Guide
- Equipment breakdown: A Buyer’s Guide
- Professional errors and omissions (E&O): A Buyer’s Guide