The idea of insurance is simple: protection against the unexpected. At some point, insurers–small business insurers, in particular–lost sight of that idea and began narrowly defining coverage, while drafting increasingly complex policies. This led to small businesses requiring multiple policies in order to obtain the coverage they typically need. One of the problems that results is that these multiple policies sometimes provide overlapping coverage, and at other times leave gaps between them (that are not easy to anticipate given the complex wording and inconsistent treatment of exclusions and limitations). With THREE, you’re not left wondering if you have the coverage your business needs. You know what's covered and how your company is protected, because you can read it and understand it in one short review.