Scout Insurtech 2026: THREE's Brandon Bauer on One Policy, Plain English and AI Across the Carrier Stack

Quick Summary

Brandon Bauer, Head of Underwriting & Insurance Product at THREE Insurance, outlines how a single all-lines policy written in plain English removes the exclusions, overlaps and multi-quote friction of traditional small commercial coverage. He also identifies where carriers are accelerating AI adoption, from claims and fraud detection to document ingestion and premium audit.

How does THREE simplify small business insurance?

THREE bundles workers' comp, commercial auto, professional liability and other ancillary lines into one proprietary policy. Bauer describes it as a broad grant of coverage with minimal exclusions: if a claim is legitimate, it is likely covered. For agents, a plain-English policy that clients can actually read is protection against E&O exposure, and the portal quotes every line at once in five to seven minutes.

Where are carriers deploying AI first?

Bauer sees virtually every carrier looking for the same three outcomes: higher productivity, better decisions and lower cost, particularly on the claims side. The use cases moving fastest include:

• Claims handling and fraud detection
• AI embedded in the underwriting process
• Document ingestion and premium audit