Toronto, Canada  ·  Serving All of North America  ·  Est. 2024

We Recover
What You've
Already Paid

3H Systems is North America's dedicated insurance subrogation partner — identifying, pursuing, and collecting recoverable claims across all seven coverage sectors. Zero upfront cost. Commission only on success.

Start a Partnership  → See How It Works
7
Sectors Covered
$0
Upfront Cost to You
60%+
Target Recovery Rate
2
Countries, One Partner
Auto Insurance RecoveryProperty SubrogationWorkers CompensationCargo & LogisticsCommercial LiabilityIndustrial & EnergyCyber Insurance RecoveryNo Recovery — No FeeAuto Insurance RecoveryProperty SubrogationWorkers CompensationCargo & LogisticsCommercial LiabilityIndustrial & EnergyCyber Insurance RecoveryNo Recovery — No Fee
The Problem We Solve

Insurance companies lose
billions annually — unretrieved.

Every year, North American insurance companies pay out claims where a third party is legally responsible for the loss — yet the majority of that money is never recovered. Not because it can't be, but because the process is resource-intensive, legally complex, and routinely falls through the cracks.

"The average North American insurer recovers less than 40% of subrogatable claims. 3H Systems targets 60%+ — turning written-off losses into recovered revenue."

3H Systems was purpose-built to close this gap. We are a dedicated subrogation firm that assumes the full burden — from case identification through negotiation to final collection — entirely on a contingency basis.

$300B+
Annual Subrogatable Claims in North America
40%
Average Industry Recovery Rate
60%+
3H Systems Target Rate
Zero
Upfront Cost — Contingency Only
Business Partnership
Our Process
Our Process

From paid claim
to recovered asset

01
Case Identification & Triage

We analyze your paid claims portfolio and identify every file with subrogation potential — ranked by recovery probability and dollar value. You receive a full assessment within 5 business days of file transfer.

5 Business Days
02
Evidence Collection & File Building

Our team builds the complete legal record for each viable case: police reports, expert assessments, liability analysis, third-party insurance details — everything required to pursue recovery with confidence.

Court-Ready Documentation
03
Negotiation & Settlement Pursuit

We engage directly with the responsible party or their insurer. Our legal partners ensure every negotiation is conducted within insurance law, protecting your rights and your business relationships.

Licensed Legal Partners
04
Litigation When Necessary

When negotiation reaches an impasse, we escalate — with your written approval — to formal litigation. All strategies and costs are agreed in advance. You retain full control over every major decision.

Your Approval Required
05
Recovery & Transparent Reporting

Recovered funds are transferred directly to you. Our commission is collected only upon successful recovery. Monthly reports cover every file: status, amounts pursued, recovered, and projected timelines.

Commission on Success Only
Insurance Sectors
Coverage Sectors

Seven sectors.
Complete coverage.

Most insurance carriers operate across multiple lines of business. 3H Systems is structured to serve all of them — so as your portfolio grows, your subrogation partner grows with you.

🚗
Automobile Insurance
Individual vehicles, commercial fleets, heavy equipment, rideshare, and rental operations. The highest-volume subrogation sector — and our most common starting point with new partners.
Commission: 20%  ·  Min. $1,000/file
🏠
Property Insurance
Residential and commercial property damage — fires, floods, water damage, contractor negligence, and construction defects. Strong recovery potential when third-party fault is clear.
Commission: 22%  ·  Min. $2,000/file
⚕️
Health & Workers' Compensation
Workplace injuries from defective equipment, contractor negligence, or premises liability. Medical malpractice involving third-party providers. A high-value, chronically underserved sector.
Commission: 20%  ·  Min. $3,000/file
🚢
Cargo & Logistics
Marine, air, and ground freight losses — plus warehouse and storage damage claims. High average values make this one of the most financially attractive sectors for subrogation pursuit.
Commission: 18%  ·  Min. $5,000/file
🏢
Commercial Liability
Product liability, professional errors, contractor-to-contractor damages, and hospitality claims. Legally complex files that require the precise approach we specialize in delivering.
Commission: 20%  ·  Min. $5,000/file
⚡
Industrial & Energy
Manufacturing plant incidents, oil & gas losses, renewable energy asset damage, and infrastructure failures. The highest average claim values — demanding deep technical and legal precision.
Commission: 15%  ·  Min. $20,000/file
🔐
Cyber Insurance
Data breach losses, ransomware, business interruption from third-party tech failures, and technology E&O. The fastest-growing subrogation sector in North America.
Commission: 22%  ·  Min. $10,000/file
Partnership
Why 3H Systems

Built for insurers
who expect more

01
⚖️
Legal Partnership Model
Every file is supported by licensed counsel specializing in insurance law — ensuring procedural correctness, statute of limitations compliance, and defensible positions in both Canada and the U.S.
02
💰
Pure Contingency — Zero Risk
You pay nothing unless we recover. No retainer. No monthly fees. No invoices for failed attempts. Our incentives are perfectly aligned with yours: we succeed only when you succeed.
03
🔒
Enterprise Data Security
All client data is handled under strict NDA with encrypted systems, defined retention policies, and full compliance with Canadian PIPEDA and U.S. state privacy regulations.
04
📊
Full Transparency — Monthly
Detailed reports on every file every month: status, amounts in pursuit, negotiations in progress, recoveries completed, and KPI performance vs. contracted targets. Nothing hidden.
05
🌎
North American Reach
Operational across Canada and the United States, with working knowledge of federal, provincial, and state-level insurance regulations — your single partner for both markets.
06
📈
Scales With Your Portfolio
Whether you send 10 files or 500, our systems handle it. Start with your highest-volume sector. Add more as trust builds. A partner that grows with you — at the pace you set.
Insurer Pays Claim
$100,000
Loss recorded.
3H file opened immediately.
3H Systems Recovers
$80,000
Settlement from the
responsible party.
Net Recovery to Insurer
$64,000
After 20% commission.
Zero upfront investment.
The Partnership Model

A model built on
shared success

Our contingency model makes the partnership genuinely mutual. We invest our time, expertise, and legal resources into every file. You invest nothing upfront. When we recover, we both benefit proportionally.

This alignment drives us to pursue every viable case with full commitment — because partial effort produces no return for either party.

  • Trial partnership available: start with 10–20 files, evaluate, then decide.
  • Reduced commission during the 3-month trial period.
  • Begin with your highest-volume sector, expand naturally across all seven.
  • You retain full file control — we act only with your written authorization.
  • 30-day written termination notice. No lock-in. No penalties.
Request a Discussion  →
North America Market
Our Market

Serving insurers across
North America

🇨🇦
Canada — Home Market
All provinces · Federal & provincial compliance · Bilingual capability
$96B+
Annual Premiums
🇺🇸
United States — Active Market
All 50 states · State-level regulatory expertise · Cross-border fluency
$2.8T+
Annual Premiums
🌐
International — Future Expansion
Global reinsurance partnerships · Cross-border subrogation
2026+
Planned Launch

3H Systems is headquartered in Toronto, Ontario — Canada's financial and insurance capital — with direct reach into the world's largest insurance market across the U.S. border.

We serve both Canadian insurers operating south of the border and U.S. carriers with Canadian portfolios. One partner. Both markets. Complete compliance with regulations in both jurisdictions.

"Toronto is the insurance capital of Canada — and our home. The U.S. border is our next door. Your claims don't stop at borders, and neither do we."

Toronto Financial District

Toronto, Ontario — Insurance Capital of Canada

Headquarters of 3H Systems

Start the Conversation

Ready to recover
what's yours?

A senior 3H Systems representative will respond within one business day to discuss a tailored partnership structure for your organization.

✓

Message Received

A 3H Systems representative will contact you within one business day.

Reach us directly

Headquarters
Toronto, Ontario, Canada
Website
www.3hsystems.ca
Email
sales@3hsystems.ca
Markets
Canada  ·  United States
Response Time
Within 1 business day
What happens after you reach out?
  • We review your inquiry and match you with the right specialist
  • A senior representative contacts you within one business day
  • We schedule a confidential discovery call (30–45 min)
  • We propose a customized partnership structure
  • Trial period begins with your first 10–20 files
  • You evaluate results — then decide on full engagement